5 Reasons To Double Check Your Home Insurance Annually

When you have home insurance in St. Augustine, FL, it’s critical that you check the policy annually. It will ensure that you have sufficient protection to avoid problems when you file an insurance claim.

At Tim Huber Insurance, we’re here to make sure that you have the right protection in place.

Home additions and renovations need to be updated on your home insurance. If you have made some purchases throughout the year, these need to be included so that your policy coverage levels are updated.

Your desire to have more riders on the account may have changed. For example, you may now need a rider to increase liability, especially if you have done a lot of entertaining inside your home. You may also need a home office rider if you have started working from home.

Discounts may be available to your policy. What you may not have qualified for last year could be different this year. It’s important to review any discounts that you may be eligible for.

Prices change between the different insurance companies, too. It’s a good idea to get quotes from several home insurance companies so that you can make sure that you are getting the most affordable premiums possible.

Policy fine print can change, too. You may think that you are covered in an area but you’re actually not. Home insurance companies will often renew your policy without identifying any changes made to your policy. It is up to you to manually pull a copy of the policy to read it for yourself.

When your home insurance policy is getting ready to renew, be sure that you take the time to double check everything. Contact us at Tim Huber Insurance so that we can be sure that your policy looks good. We may be able to help you get a better policy in St. Augustine, FL.


Common Commercial Insurance Mistakes for Restaurants

Running a restaurant in St. Augustine, FL can be a rewarding experience but can be a challenge if you don’t buy high-quality commercial insurance. The following mistakes are ones we at Tim Huber Insurance have seen far too many unfortunate business owners make.

Weak Liability Coverage

Though general liability coverage is a good choice for restaurants, you’re going to want more than that to protect your business. For example, umbrella insurance policies help protect you from claims such as damage from food poisoning or burns caused by spills. Comprehensive liability also helps to protect you from specialized restaurant claims, such as slipping on a wet floor.

No Loss of Income Coverage

What happens to your business if a fire or a health-related shutdown close your doors for weeks or months at a time? You won’t be getting any money and neither will your employees. If you bought loss of income coverage, this situation wouldn’t be devastating. This coverage will pay for your lost income when your restaurant is closed. It may also help your employees if you set up this type of extra coverage with your insurance company.

Poor Background Checks for Drivers

If your restaurant does deliveries, you need to make sure that you double- and triple-check the records of each employee who drives your company vehicle. Your commercial auto insurance policies will hinge on the abilities of your drivers. So even if you don’t cause an accident but an employee does, you will end up having higher premium rates and struggling to make your payments.

Avoid These Issues With Our Help

So if you run a busy St. Augustine, FL restaurant and want to make sure you don’t fall a victim to these mistakes, please contact us at Tim Huber Insurance right away. Our agents will work with you to identify the best commercial insurance coverage for your restaurant’s needs.

What are the benefits of classic car insurance?

Owning and driving a classic car is a dream for many people around St. Augustine, FL. A classic car is not only stylish, but it can also be a good investment as they tend to increase in value over time. While having a classic car is a dream for many, it is also an important asset that needs to be protected with insurance. One of the best ways to do this is through a classic car insurance policy, which can provide you with unique benefits. 

Gives Additional Value Coverage

If you have a classic car that has the value that you want to protect, classic car insurance is a necessity. Most car insurance policies will only provide you with coverage for up to the actual cash value, which is just the replacement cost less past depreciation. With classic car insurance, you will receive a guaranteed value that has been agreed to in advance by you and your auto insurance provider. This ensures that you can receive the full value of the car if it is damaged beyond repair.

Typical Liability Coverage

Another advantage of classic car insurance is that is can provide you with the standard liability coverage. With a classic car, you will have the same liability insurance obligations as you would if you were driving any other car. Part of your insurance policy will provide you with coverage that will at least the state minimum requirements.

If you are an owner of a classic car in the St. Augustine, FL area, you should reach out to the team at Tim Huber Insurance. Choosing a quality classic car insurance policy can be complicated and you will want to speak with someone that is knowledgeable about this unique product. Tim Huber Insurance will help you to build a policy that provides you with the right level of coverage to protect your classic car. 

Does Motorhome Insurance Cover Your Personal Items?

If you are planning on setting out on the road in a motorhome, you may want to familiarize yourself with the insurance terms and conditions whether you are providing your own vehicle or renting one. There are different types of motorhome coverage, just like there are different types of auto insurance.

Basic Motorhome Insurance

If you purchase basic motorhome insurance, generally, it covers the actual engine and structure or the motorhome. If you want to include more comprehensive coverage, you will have to purchase additional insurance. There may be some all in one package available, but you should inquire about your options with a reputable insurance provider. They can recommend options right for your individual needs and help you prevent gaps in coverage that could prove costly if you have a claim. 

Finding A Good Insurance Provider

Not all insurance providers are alike. In order to get the coverage you need, make sure you work with an insurance provider with experience in motorhome insurance and who also has an established reputation ion in the community. Working with a knowledgeable agent will give you the peace of mind you need to enjoy your time out on the open road without worrying about coverage. If you live in or around the St. Augustine, FL area, you should consider purchasing your motorhome insurance from Tim Huber Insurance. 

Enjoy your free time without having to worry about insurance protection. St. Augustine, FL residents can count on the insurance products offered by Tim Huber Insurance. They are ready to work with you to help you get on the road. Call or stop by the office to speak with one of our friendly insurance agents today. 

Types of Motorcycle Insurance

Choosing to carry motorcycle insurance is one of the important safety precautions every biker should take. Read on to learn more about the different types of motorcycle insurance you should purchase from Tim Huber Insurance.

Liability Insurance

Motorcycle owners in St. Augustine, FL, should buy liability insurance for their motorcycles. Tim Huber Insurance recommends that you should at least buy the minimum liability to protect yourself financially in the event of a motorcycle accident. Without a liability insurance coverage, you may end up paying a lot of money out-of-pocket in terms of bodily injury and damage to other people’s property.

Medical Insurance Coverage

In case you or your passengers get injured in a motorcycle accident, the medical insurance coverage will cover the medical bills and other expenses resulting from the injuries. You can purchase the coverage in different amounts to help you address various expenses including prescription pain medications.

Uninsured Automobile Coverage 

The coverage comes in handy when you or your family member is injured or killed in the event of an accident involving an uninsured or underinsured driver. The coverage can also provide financial compensation if the driver who hit your motorcycle is unidentified. The insurance company will also help you cover the cost of damage to your motorcycle through the coverage.

Comprehensive Coverage

Sometimes, natural causes that are not related to collision or being hit by another motorist can cause damage to your motorcycle. Hence, when your motorcycle is damaged by events or disasters such as fires, floods, vandalism, or theft, your insurance company will reimburse if you have a comprehensive coverage.

Even if you have motorcycle insurance, your coverage may not be enough to help you fully pay for serious injuries or loss of your motorcycle. Therefore, it is important to consider filing a claim against the at-fault driver or party for compensation. If you need more information about motorcycle insurance and how to get the most affordable quotes in St. Augustine, FL, contact Tim Huber Insurance today.

Reasons why you need umbrella insurance

Sometimes we have found ourselves in an incident where the insurance policy covers we hold are not accountable to all the costs of damages caused. In the USA, the insurance companies have a liability policy to cover you against these extra costs. This is meant to give you a peace of mind when you are harassed by a coincidence of depression and financial crisis.

With Tim Huber insurance- an insurance company with an agency serving city, St. Augustine FL you can access an umbrella insurance policy. However, it has been discovered that a good percentage of the population think that the policy is meant for the rich – false. Umbrella insurance policy will cover you against the following incidences. They include:

•    Protection against an injury caused to a person while in the custody of your property- If a visitor is bitten by your dog or a person breaks a leg while in your compound, they may sue you in the court of law. However, having accessed an agency serving the city, St. Augustine, FL; Tim Huber insurance and procured an umbrella insurance policy, you will be at peace. The policy will take of both the medical payment and legal charges cost – if the cost exceeds what your homeowner’s policy covers.
•    Protection against a damage caused to person’s property- sometimes we find ourselves in situations where we are the cause of damage to another parties’ property. Umbrella insurance by an agency serving the city, St. Augustine, FL; Tim Huber insurance will cover you against the cost of the loss caused to another person.
•    Coverage from lawsuits that are not under your home policy- Umbrella insurance policy by an agency serving, St. Augustine- Tim Huber insurance will pay for you the remaining legal costs.

How Much Flood Insurance is Enough?

Flooding can be common around St. Augustine, FL, especially around hurricane season. However, that is not the only time that you need to worry about it. You should have a flood insurance policy in place all year long from Tim Huber Insurance because flooding can happen in a variety of ways, not just with hurricanes. Unfortunately, most home insurance policies do not actually cover any flood damages so you need to get this in addition to that policy. However, the question is for how much?

When it comes to getting flood insurance, what you want to look at are the coverage amounts. To get the right coverage amount, you should consider not only the rebuild cost of your home but also the cost of your personal belongings in the home. Both of these things can be impacted by a flood and in the case of a total loss, you want to make sure you have enough in place to replace as much as possible. You may also want to consider getting enough coverage for housing in the interim if that is not covered by your home insurance policy. By taking these estimated amounts into consideration, it will give you the estimated amount of flood insurance coverage you need. 

Now that you have an idea of what you should be looking for in terms of a flood insurance policy, it is time to get one. You do not want to get caught without one during a flood because the financial impact can be devastating. Be sure to reach out to us here at Tim Huber Insurance, serving St. Augustine, FL, to get your flood insurance policy in place as soon as possible. We will also work with you to make sure we find a policy that fits in your budget. 

The ABCs of Liability and Boat Insurance

Owning a boat can bring both a lot of joy and also a lot of responsibility in your life. If you are concerned about the amount of insurance coverage that your current policy provides, or you are thinking about buying a boat and want to learn more about the boat policies that are available, contact Tim Huber Insurance, serving the greater St. Augustine, FL area, to learn more about your options. 

The ABCs of Boat Ownership and Liability

As a boat owner, you are responsible for any damage that your boat causes, whether through an accident or another mishap and for any injuries sustained by your passengers. Many owners do not consider that their liability can extend to medical costs as well as damages brought by a party who is injured while on your boat. In fact, if someone is injured climbing onto or out of your vessel you may be held responsible even if the boat is docked. In order to protect yourself from such damages, it is important to carry adequate liability coverage. Our team of professional agents can meet with you and review your current policy and confirm if the protection is adequate for your needs. Many boat owners focus on coverage for the boat itself without considering what can happen to them if there is an injury-causing accident involving their craft.

Don’t let the joy and exhilaration of boat ownership cloud your judgment when it comes to securing adequate boat insurance coverage. The team at Tim Huber Insurance is proud to serve the St. Augustine, FL area, especially those who own boats and enjoy being out on the water! Contact us today or stop by our office to learn more about your options when it comes to boat insurance.

Does My Condo Insurance Cover Jewelry?

A condo insurance policy offers an excellent protection package. However, this insurance coverage doesn’t automatically cover everything you own. There are some limitations to your basic policies when it comes to unique and valuable items like furs, collectibles, jewelry, and fine art.

Realizing that your condo insurance doesn’t cover your valuable jewelry may leave you wondering what to do next. Can you comfortably replace your jewelry out of your pocket when it’s stolen or destroyed in a fire? Is there an insurance option that will not leave you empty handed in case the unexpected happens? The key is to understand the situations and the items your insurer covers and for how much. Here at Tim Huber Insurance, we help St. Augustine, FL residents learn how to protect their valuables through insurance.

Jewelry coverage in condo insurance

In most cases, a condo insurance policy may cover your jewelry, but not entirely. Sometimes coverages are limited by:

  • Coverage value limits
  • Exclusions or limitations on the covered situations
  • The need for different estimates before a claim is settled
  • The requirements for using jewelry replacement companies

Additionally, a jewelry claim can easily affect your entire policy status, and this is why you need to evaluate all your options. Make sure you contact your condo insurer and find out more about your jewelry coverage details. Don’t just assume that your condo insurance covers your jewelry.

Getting jewelry insurance

Since your condo insurance won’t cover your jewelry and other valuables fully, you need to get a separate insurance policy from a reliable insurer. You may also upgrade your existing condo insurance policy by buying a rider that particularly insures these types of items. This is a mini-insurance policy that can be added to your condo policy covering certain lists of items.

For more information on your jewelry coverage, be sure to contact us at Tim Huber Insurance in St. Augustine, FL.


Why do life insurance companies need me to take a medical exam?

When you purchase a life insurance policy when you are very young, or through some work programs, there is usually no requirement for the individual covered to undergo a medical exam. One of the advantages to buying a loved one a whole life insurance policy from a very young age is that they have the benefits of the policy for life, without a threat of increased premiums, and they cannot be forced to take a medical exam.

When you are older and attempting to purchase a whole life policy in St. Augustine FL,  there is usually a requirement to go through a medical exam. Even though it is relatively noninvasive and only takes about 20 minutes, it gives the insurance company important information about your health. At this point, they are evaluating your health because when you buy life insurance, you become one of their investments. 

At Tim Huber Insurance, we can help you choose your options and prepare you for your exam. They will need to get basic information like height, weight, blood pressure and medical history, and being relaxed can make a difference.

You may be able to get a term life policy, which is more expensive, without a medical exam. It doesn’t have as many benefits, and will expire as soon as the premium is no longer being paid, but it does have the basic death benefit.

Our friendly agents at Tim Huber Insurance can help explain all your options. If you are in St. Augustine FL and are interested in obtaining a life insurance policy, or just have questions about an existing one, don’t hesitate to call us today.