Florida Auto Insurance
In Florida, the minimum state requirements for auto insurance are 10/20/10 which refer to the amounts of the different types of insurance your policy must include. The first number refers to bodily injury which covers the injury or death of a person in a single accident, and the second number is the total amount to be paid out per accident. The last number refers to how much property damage coverage you must have. So if you're in an accident and three people get injured, each person may get up to a certain amount with the total not to exceed. In a situation where that amount won't cover the expenses of the injured people, you may be responsible for paying the difference.
Of course you can have more coverage than this and, as long as you can afford it, it's never a bad idea to have a little extra coverage in the event that the costs of an accident are more than your insurance company will pay out. It's very important to remember that if the costs do exceed this amount, you'll be personally responsible for the remainder of the costs. It's better to pay a few extra bucks a month for extra coverage, than to pay out thousands of dollars in the event of an accident.
Commercial Auto Insurance
This policy will cover losses in the event of accidental damages done to a work-related vehicle, as well as damages done to property or people. Please check with your NXT Insurance Agent for your best auto insurance options.
Florida Homeowners Insurance
At NXT Insurance we offer an online insurance comparison tool that can get quotes from a number of the nation's top insurance companies in just minutes. Simply fill in the requested information about yourself and your home, and you'll be able to compare quotes from a range of different policy options.
Each policy is different, but a standard policy often covers damages done to your personal property caused by events outlined in the policy, coverage to your house and permanent structures, and limited coverage of valuables like jewelry and antiques. Please check with your
NXT Insurance Agent for your best homeowners insurance options.
Florida Condo Insurance
Having your own condo in Florida is wonderful, but sometimes life throws troubles your way such as fire, a storm or a burglary occurring while you're away. When something like this happens, you'll be glad to have condo insurance.
Many people mistakenly think that their condo association dues cover the costs of property insurance, as well as upkeep on the units. The money may be used to buy a policy which protects the common areas of the buildings, but it usually does not cover your own unit or your belongings. To be sure that all of your possessions are covered, you need an individual condo insurance policy. In addition to your current belongings, the improvements you make to your home will also be covered.
Florida Renters Insurance
Check your lease agreement. Most landlords require their tenants to carry renters insurance to protect their personal contents. Even if your lease does not require you to carry renters insurance it is still a very good idea.
Contents. This protects your personal belongings in case of fire, hurricane, etc.
Betterment and improvements you have made to the home or apartment such as fixtures or window treatments.
Medical payments. This coverage protects your guest if they are injured on your premise.
Florida Motorcycle Insurance
To be safe when driving on the highway, it is not only enough to know the rules of the road, you must also protect yourself. Florida motorcycle insurance laws do not require all riders 21 years of age and older to carry motorcycle insurance. However, it is highly recommended by experts never to hit the road without your bike insured.
Motorcycle insurance not only protects you as a rider, but it also protects you from other drivers on the road. In the state of Florida, drivers under the age of 21 who are caught driving without motorcycle insurance could lose their registration and license, and then be required to purchase expensive high risk motorcycle insurance. As an adult, insurance will cover your bike and could cover your health, and bank account.
Some motorcycle drivers that also drive ATV's believe that their auto insurance will cover any motorcycle incident or accident that may occur, which is not true. It is a proven fact that drivers are at a higher risk of injury when riding a motorcycle than when driving a four door automobile; which is an even bigger reason why motorcycle insurance should be purchased. Florida motorcycle insurance is meant to cover damages resulting from drivers negligence, accidents, thefts, hurricanes or other natural disasters. Please check with your NXT Insurance Agent for your best motorcycle insurance options.
Florida Boat Insurance
Most boating accidents happen because someone gets careless, often because their attention is not on operating the boat safely. All it takes is a split second of inattention for a pleasant day to turn into a tragedy.
Florida RV Insurance
Florida requires you to carry a minimum amount of insurance in order to register your motorhome. Many insurance companies offer coverage to meet this requirement, but the key to save money is to shop around. That’s where we come in. NXT Insurance has the tools to shop the top companies in Florida to find you the best rate.