When you are already paying monthly rent, purchasing additional insurance may seem like an unnecessary expense; however, renters insurance offers incalculable peace of mind and protection for your personal belongings should something happen. Keep in mind that some landowners will even require that you possess renters insurance prior to allowing you access to the apartment, home, or condo. While it can be tempting to assume that your landowner’s homeowner’s insurance policy will protect your belongings, the simple reality is that it only covers their items. 

A renter’s insurance policy covers personal property such as clothes, jewelry, electronics, furniture, and computers. Without looking at or writing down the entirety of your personal items it can be easy to assume your belongings are not worth much; however, they add up far quicker than you think. While policies vary from company to company, the vast majority protect against a myriad of potential perils and concerns such as damage caused by vehicles, explosions, theft, vandalism, fire, smoke, riots, and much more. In addition to covering your personal belongings, renters insurance also includes liability protection. For instance, if your dog sitter is injured while inside your home the policy will pay any legal expenses, medical bills, and court judgments until your policy limit has been exhausted. 

At Palm Valley Insurance Inc. in Ponte Vedra Beach, FL our friendly and talented team of insurance professionals are ready to answer any questions you have. By taking the time to learn about our customers we are able to offer customized insurance policies that meet all your needs. Give us a call today to schedule an appointment with one of our knowledgeable representatives. 

At Palm Valley Insurance Inc. we provide motorcycle insurance to riders located in Ponte Vedra Beach, FL. We’re here to answer any questions that you have and assist you in finding a motorcycle insurance policy that meets your needs.

The following are three steps to purchasing the right motorcycle insurance policy in Florida.

Decide what types of coverage you want

You have a lot of options when it comes to a motorcycle insurance policy. You will be required to purchase liability insurance coverage in Florida. However, you have the option of purchasing other types of coverage including collision and comprehensive coverage.

You also have some decisions to make about how much coverage you want. You are only legally required to meet minimum coverage requirements for your liability coverage. However, you can always invest in more coverage if it makes you more comfortable and gives you greater peace of mind out on the road. 

Research your options

There are many insurance providers in your community offering motorcycle insurance coverage. You need to find which insurance providers you’re interested in purchasing coverage from. Then, you can get quotes on a few providers.

Evaluate quotes and select a policy

Once you have quotes on a few policies, compare them. Consider how much individual policies cost and what types of features they come along with. After you’ve evaluated quotes, you can select which policy you want to purchase.

Avoid simply choosing the least expensive policy. The policy that costs the least might not be the best. It’s always best to have too much coverage than too little coverage. Look for a policy that will offer you value and security. 

Are you ready to purchase motorcycle insurance? Let us know! Get in touch with us at Palm Valley Insurance Inc. to find coverage for your bike in Ponte Vedra Beach, FL. 

Having proper personal liability insurance coverage is extremely important. If there is ever an accident that you cause, you will be responsible for any damages or expenses related to bodily injury. Additionally, there are a variety of different forms of liability risk that some people take on. To ensure that you are fully covered for liability insurance, it is important that you get an umbrella insurance policy. This insurance can protect someone in the Ponte Vedra Beach, FL area in several ways.

Offers Coverage on Top of Base Policies

One way that an umbrella policy can protect you is by giving you coverage on top of your base policies. When you get this coverage and you are involved in an accident that exceeds coverage in your auto or home policies, your umbrella coverage will begin to provide protection. This can provide great coverage if you are ever at fault in an accident that leads to significant damages.

Provides Coverage for More Situations

Most people’s liability risks will be covered by vehicle and property policies. However, there are situations when they may have risks that fall outside of these policies. Depending on the profession you are in or hobbies you have, the additional risks need to be covered by a separate policy. In these situations, getting an umbrella policy can be the best option. 

As you are shopping for umbrella insurance in the Ponte Vedra Beach, FL area, you should reach out to the team at Palm Valley Insurance Inc. When you are speaking with the team at Palm Valley Insurance Inc. you can learn a lot more about how umbrella coverage can protect you. This will help to ensure that you are able to get the insurance coverage that you need to have proper personal liability coverage. 

How do you know when is the best time to buy life insurance?  Most people don’t know a lot about life insurance and deciding when to buy it and how much to buy is something that isn’t taught in school or by our parents. According to the experts, the best time to buy life insurance is when you are young. Certainly, the prices are lower when you are young but it may also be the time when you can least afford it. Having an insurance agent you trust can make the decision-making process easier for you. At Palm Valley Insurance Inc.in Ponte Vedra Beach, FL our staff has years of experience helping clients find the right insurance for their needs. 

Life insurance is part of an overall financial plan that lasts a lifetime. You should start as early as possible to make sure you have a plan in place. But there are other times when you will want to reaccess the amount of coverage that you have. 

Getting married

When you get married it is time to think about the amount of life insurance that you have. You may get some insurance from your employer but you should make sure not only is it adequate but it is possible to continue the coverage if you leave your employer. While you are checking it, you should change the beneficiary as well. 

Having a child

When you have a child, it is a good time to consider buying additional life insurance. If something happens to you, your spouse will have to care for the child/children for many years. Having enough money to care for them is important. 

These are just a few of the times in your life when you will want to consider buying life insurance. Talking to knowledgeable insurance agents can help you to make sure you and your family are protected. Give the office of Palm Valley Insurance Inc. in Ponte Vedra Beach, FL to set up an appointment to discuss all your insurance needs. 

Having a teen driver on the road can be a big deal for most guardians, which is why it is important to make sure the appropriate insurance is in place to protect them and other drivers on the road. In addition, getting the right amount of coverage and coverage options are also important. While some guardians prefer to have a teen driver on their insurance, it may not be permissible or practical. In many instances, the teen driver will need their own separate policy.

Teen Driver Policies

Teen drivers who finance or have a vehicle in their name will usually need to have their own insurance policy. This is because they are responsible for any vehicle they own. Additionally, those drivers who add a teen driver to their policy will notice some significant changes and possible restrictions. The best way to ensure the proper policy is purchased or altered is to work with an experienced auto insurance agent. They can walk customers through the whole process and make recommendations along the way. 

A Helpful Resources

Licensed insurance agents are a vital source of information related to auto insurance and can explain all of the terms and conditions of each policy. They will also be able to explain any changes or possible changes that occur along the way. Not only will they help customers understand all of the options, but they can also help make sensible recommendations to fit each individual’s situation. Residents of Ponte Vedra Beach, FL can turn to the professionals at Palm Valley Insurance Inc. to get the assistance they need to make an informed choice. 

Anyone with a teen driver in the Ponte Vedra Beach, FL area who is looking for more information on teen driver auto insurance can call or stop by Palm Valley Insurance Inc. to speak with an agent. 

Like many homeowners, you may have bought home insurance when you first purchased your Ponte Vedra Beach, FL home and then automatically renewed it annually without taking time to review your policy. As time goes by, however, your coverage may change due to changes in your home or lifestyle. Without updating your policy, you could be missing out on valuable protection. At Palm Valley Insurance Inc., we recommend you review your home insurance annually to stay current on your coverage. Here are some reasons why you should be familiar with your policy.

Maintain Optimal Protection 

The purpose of home insurance is to protect your dwelling and belongings. Failure to update your policy could leave you short of protection in various aspects of your coverage. Major renovations or upgrades to your home’s systems, for example, can increase your home value, making your current dwelling insurance insufficient to rebuild your Ponte Vedra Beach FL home if it’s destroyed in a disaster. You’ll also need to add home renovations to your policy to include them in your coverage.

If you’ve accrued high-end goods since purchasing your policy, they may not be fully protected under the current limits of your policy. In the event of theft or damage, you could wind up paying for most of the repair or replacement costs out of pocket. By reviewing your policy annually, you can keep up with changes that affect your coverage and take steps to update your protection against unforeseen disasters.

Facilitate Making a Claim

Being familiar with your insurance coverage will make it easier to make a claim. You’ll know what kind of protection you have and be able to complete your paperwork quickly and accurately.

To learn more about your home insurance coverage, contact your Palm Valley Insurance Inc. agent today.

There are beautiful apartments and houses throughout Ponte Vedra Beach, FL. When you make the decision to rent instead of own, you want to make sure you’re doing what you can to protect your belongings. With the help of Palm Valley Insurance Inc., we can ensure you have a renters insurance policy that you can count on.

Why Renters Insurance?

Many people assume that there’s no need to have renter’s insurance because you’re covered by the home insurance of the owner. However, the owner likely has “owner-occupied” coverage which means that they aren’t going to cover what happens when you’re living there. Additionally, apartments may require you to show proof of insurance.

Anything can happen inside of rental – and renter’s insurance covers your personal belongings since the owner’s property insurance will not.

How much coverage?

As you look to cover yourself in Florida, the question becomes how much coverage you actually need. Some landlords may require you to have a policy of $50,000 or more. You will want to consider what you need based on the value of your items. If you have a lot of high-end electronics, jewelry, or artwork, you may need significantly more. Otherwise, you may find that an insurance claim will only provide partial payment of what it will take to replace anything in the event that a disaster strikes.

Work with an Independent Insurance Agent

The process of finding renters insurance can be complicated due to the many factors, such as:

• Deciding on the level of coverage
• Choosing a reputable insurance company
• Comparing quotes

You don’t have to go through the process alone. Independent insurance agents can answer questions, get quotes from top companies, and help you compare quotes to get the most affordable premiums.

When you want to protect your personal property in a rental in Ponte Vedra Beach, FL, call us at Palm Valley Insurance Inc. today.

Motorcycle owners love their bikes. Many have their rides customized with unique mirrors, handlebars, seats, saddlebags, and customized paint jobs. The agents of Palm Valley Insurance Inc. can assist motorcycle owners in Ponte Vedra Beach, FL with getting the coverage they need to properly insure their bikes for not only the mandatory liability but also for the cost of repairing or replacing their bike if an accident occurs.

Customized Paint and Modifications

Customized paint jobs and modifications can dramatically increase the replacement cost of your motorcycle. A traditional motorcycle insurance policy, however, will only cover the replacement cost of the original bike before modifications were made. It will also provide you with the mandatory liability coverage that is required by the state. 

Additional Coverage

If you want to insure your motorcycle for the cost of all of your modifications and your personalized paint job, you will have to purchase additional coverage to supplement your original coverage. Discussing your options with an agent is the best way to determine what type of coverage you need and in what amounts. In some cases, you can add coverage directly to your motorcycle insurance policy while in others, you may have to purchase a rider to cover the additional investment.

The agents of Palm Valley Insurance Inc. offer their residents in Ponte Vedra Beach, FL sound advice when it comes to purchasing their motorcycle insurance. Schedule an appointment so that you can discuss your options with an agent. They have all of the information you need to keep your motorcycle fully insured and give you the peace of mind you need. Call today!

 

Umbrella insurance is designed to supplement your basic insurance policies, including renters insurance, auto insurance, and home insurance. Its purpose is to protect your assets if you are held responsible for an accident, damages, or injuries. Some assets that it can help protect are:

• Home and vehicles
• Retirement accounts and other investments
• Future income
• Bank accounts
• Vacation and rental properties
• Businesses you own

Umbrella insurance policies start at $1 million in coverage, but you can get higher levels of coverage. The amount you need depends on what you stand to lose. Consider the following:

• What is your net worth? If you were sued, how much do you need to protect?
• What types of risks do you face regularly?
• What is the potential loss of your future income, including your earning potential if you are on your way to a promotion?

If you are still unsure of the amount of coverage you need, Palm Valley Insurance, Inc. in Ponte Vedra Beach, FL can help you decide. Depending on your current financial situation, you might also consider consulting a financial advisor. He or she can help you determine the value of your current and future assets so that you obtain enough coverage.

An umbrella insurance policy can be beneficial in personal situations, but it can also cover you in professional ones, as well. For instance, if you own rental property, umbrella insurance can provide additional protection should you face situations such as a guest being injured or if a fire that you are held liable for ruins all of your tenant’s items. Umbrella insurance can protect other North East Florida business owners as well.

If you live in Ponte Vedra Beach, FL and have assets to protect, give Palm Valley Insurance, Inc. a call or stop by today.

 

In Ponte Vedra Beach, FL, the agents at Palm Valley Insurance, Inc. understand that their clients often have questions about how they can find ways to lower their insurance costs. One of the most convenient methods is to bundle your home and auto insurance policies. Bundling not only saves you money, but it also makes it easier for both you and your agent to manage your accounts.

One Convenient Payment

Bundling your home and auto policies involves rolling two policies into one. By bringing the two policies together, you only pay one premium each month. Having both policies in one place makes it easier for you to remember when to make your payment. All of your insurance information is in one place, so you won’t have to worry about finding two separate policies.

Discounted Premiums

By bundling policies, you save us administrative work. Instead of managing two policies, we only have to manage one, which means less paperwork for us and lower premiums for you. Bundling your policies makes it easier for us to manage your records and provide you with higher quality service, especially when you need to file a claim. With both of your policies rolled into one, they will also both renew at the same time.

The agents of Palm Valley Insurance, Inc. in Ponte Vedra Beach, FL have many years of experience when it comes to making your insurance premiums more affordable and your policies more reliable. If you are interested in purchasing a new policy or would like to have your existing policies reviewed, call and schedule a consultation with one of our agency’s agents. Don’t wait to get the answers you are looking for!