Florida Insurance

In the modern world, insurance is a flourishing industry and the USA is home for some of the famous insurance companies with worldwide fame. The state of Florida comprises a number of insurance companies offering insurance of various types.

Following are the different types of insurance available in Florida:

Home insurance in Florida

Homeowner's insurance: Homeowners policies in Florida offer coverage for owner occupied homes, personal properties and liabilities. Dwelling Fire policies also insure owner occupied homes, the building structure and lilted contents of the home too.

• Condominium Owners Insurance: In this kind of policy covers the condominium that is owned and occupied by the policy holder and also covers personal assets and liabilities.
• Mobile Homeowners: This policy covers mobile homes that are owner occupied and also includes personal properties and liabilities.
• Renters Insurance: Covers the tenant's property in a rented home.
• Flood Insurance: Insures against damage due to flooding as per the guideline of the National Flood Insurance Programme (NFIP).
• Commercial Line Products: Provides business-holders with coverage of property, liability and other types of commercial coverage for the working of mobile home dealers, mobile home parks, residential home-owners associations' sand and other commercially owned residential property.

Life Insurance in Florida

• Term Life Insurance: It is a policy with a set duration limit on the coverage period. It is said to be the most affordable among all kinds of insurance available. Here the benefits are paid only after the demise of the insured.
• Whole Life Insurance: It is a policy that covers the contract holder for his or her entire life. In this kind of policy the insured is required to pay a certain amount of sum as premium on an annual basis. The policy covers the individual until the time of his death or up to the age of 90 or 100.
• Universal Life Insurance: This type of insurance was introduced in the 1980s as a high interest alternative to whole life insurance. This policy provides a bigger set of investment choices and higher projected interest rates.
Current Assumption Life Insurance: In this policy a fixed annual premium is paid for the duration of the plan. The policy holder receives a fixed rate of interest on the premiums paid, less the cost of insurance.
• Riders and Options: Insurance policies which provide the option of adding additional conditions and clauses for more coverage. For example an individual can avail of the accelerated benefits option which allows the policy holder to receive one-fourth the policy value prior to his death if he is struck by illness of serious nature.

Life Insurance Companies in Florida:

American Council of Life Insurance Curt Leonard, Senior Director, Southeast Region Tallahassee, FL Phone: (850) 386-6668, ext. 224 Fax: (850) 386-7371 curtleonard@acli.com MetLife Tim Ring, Vice President Long Island City, NY Phone: (212) 578-2640 Fax: (212) 578-9890 tring@metlife.com New York Life Insurance Company Gil Valdes, Legislative Vice President Office of Governmental Affairs Phone: 212-576-6590 Gilberto_Valdes@NewYorkLife.com

Aflac Address: 13902 North Dale Mabry Highway City: Tampa , State: FL Phone: (1-813) 576-7958 Website: www.aflac.com Allstate Insurance Address: 20335 Biscayne Blvd. City: Miami , State: FL Phone: (1-305) 933-0050 Website: www.allstate.com Nationwide Insurance Address: 8875 Hidden River Pkwy City: Tampa , State: FL Phone: (1-813) 631-8789 Website: www.nationwide.com

Auto and Vehicle Insurance in Florida
This type of insurance covers the owner's cars truck sand other types of vehicles, including boats. Property damage insurance in Florida pays when the policy holder causes property damage. This can include the other vehicle or other types of property. Drivers in Florida need to take at least $10,000 worth of coverage. Under personal injury protection, medical expenses are covered regardless of the fault of policy holder or his/her children, family members or other passengers who do not own a vehicle with PIP insurance cover.

Hurricanes are a common threat in Florida. So, it will be better to take an insurance policy that will pay to replace your boat if it is baldy damaged or destroyed. Some policies will only pay the amount, for which the boat is worth. The insurance must also cover the possessions onboard in case of any damage.

Health Insurance in Florida
This kind of policy covers all or a part of an individual's health expenditures. These plans are generally available in two kinds of plans Health Maintenance Organization and Preferred Provider Organization

Workers Compensation Insurance in Florida
An insurance program offered by the state of Florida for workers injured on the job and dependents of workers killed on the job.

Travel Insurance in Florida
This policy insures against adverse events associated with travel.

Travel Insurance Companies:

Blue Cross Blue Shield of Florida 800 S Douglas Rd Miami, FL 33134 (305) 529-0075 Blue Cross Blue Shield of Florida Inc 11630 N Kendall Dr Miami, FL 33176 (305) 596-7600 Global Insurance Solutions Llc 1421 SW 8th St Miami, FL 33135 (305) 857-3746 Liberty Mutual Group 8725 NW 18th Ter Ste 100 Miami, FL 33172 (305) 593-6533

Blue Cross Blue Shield of Florida Inc 3350 S Dixie Hwy Miami, FL 33133 Nationwide Insurance 8401 NW 53rd Ter Ste 211 Miami, FL 33166 (305) 639-9660 Nationwide Insurance 8701 SW 137th Ave Miami, FL 33183 (305) 661-1795 Nationwide Insurance & Financial Services 12651 S Dixie Hwy Miami, FL 33156 (305) 256-6631