If you’re a classic car enthusiast like we are at Tim Huber Insurance, there are specific tips to remember for proper vehicle care. Taking the time to maintain and protect your classic car is essential for preserving its value here in the St. Augustine, FL area, so here are some tips to help you out!
1. Check the fluids: The engine requires oil, brake fluid, coolant, and power steering fluids – all of which should be checked regularly. Make sure to follow the manufacturer’s instructions for changing these fluids regularly.
2. Clean your classic car: Regular cleaning is important for the interior and exterior of the vehicle. Use special cleaners explicitly designed for classic cars, and wax it often to protect the paint and finish from fading or cracking over time.
3. Maintain the tires: Your car’s tires need a regular inspection for wear, uneven tread depth, or any signs of damage that could lead to a flat tire or blowout on the road. You should also check tire pressure often and adjust it accordingly.
4. Protect against rust: Rust can easily compromise your vehicle’s frame structure if left unchecked, so frequently inspect areas like door hinges and fender panels where rust tends to appear first. If any rust is found, use an appropriate cleaner before applying a fresh coat of paint or sealant as needed.
By following these simple tips above, you can ensure that your classic car stays in good condition over time and continues to provide you with years of enjoyment! For more information, give us at Tim Huber Insurance a call today. We are proud to serve St. Augustine, FL, and beyond.
You might think of your conversion van as a van, but insurance companies and underwriters think of it as an RV. Before you can purchase insurance for it, you will need to convert the auto title at the St. Augustine, FL Department of Motor Vehicles to change its vehicle category from personal or commercial vehicle to a motor home or RV. That’s because once converted from a regular van to a conversion van, it no longer qualifies for standard auto insurance.
RV Insurance/Motorhome Insurance
Motorhome policies, also called RV policies, cover motorhomes, trailers, and conversion vans. A conversion van falls into the Type B category of recreational vehicles. That means you’ll need at least the state minimum insurance for motor vehicles to cover it. We recommend full coverage for RVs, though, due to their expense and the cornucopia of personal items, individuals traveling in them typically haul in them.
Policy Considerations for a Conversion Van
If you park your van at your home in St. Augustine, FL, and only use it for vacations. You can probably stick with the standard full coverage. If you want to travel full-time and reside in your conversion van, you’ll need a full-timer’s policy from Tim Huber Insurance. It provides an enhanced level of liability coverage since it’s more likely that you’ll have guests over and entertain in your RV.
Contact Tim Huber Insurance for an RV Policy
Contact Tim Huber for RV insurance for your conversion van and protect your financial investment in your motorhome. Let us help you protect your financial security so you’re covered if found at fault for an accident.
Protecting your investment with a comprehensive home insurance policy is crucial as a homeowner. However, knowing which policy is right for you can be challenging with so many options available. That’s why Tim Huber Insurance in St. Augustine, FL recommends asking these five essential questions before purchasing home insurance:
1. What does the policy cover?
When considering a home insurance policy, it’s essential to understand what is covered and what isn’t. A comprehensive policy should cover damage from events such as fire, theft, and natural disasters. However, it’s also essential to know what is excluded, like floods or earthquakes, and if you need additional coverage.
2. What is the deductible?
The deductible is the amount you pay out of pocket before your insurance coverage kicks in. Choosing a deductible that you can comfortably afford if you need to make a claim is critical. A higher deductible will typically result in a lower monthly premium, but you must be prepared to pay more upfront if an incident occurs.
3. What is the replacement cost?
When purchasing home insurance, you must ensure that the policy covers the full replacement cost of your home and belongings. This means that in the event of a total loss, you’ll receive enough funds to rebuild your property and replace your possessions. Be sure to ask about coverage limits and any exclusions.
4. What does liability coverage mean?
Liability coverage is a critical part of a comprehensive home insurance policy. It protects if someone is injured on your property or if you accidentally cause damage to someone else’s property. Ask about the limits of liability coverage the policy offers and whether you need to purchase additional coverage.
5. What is the claims process?
Knowing what the claims process entails is vital in the unfortunate event of a claim. Ask your insurance agent about the steps you need to take to file a claim and how long it typically takes to receive compensation.
Trust in Our Team
At Tim Huber Insurance in St. Augustine, FL, we understand that choosing the right home insurance policy can be overwhelming. That’s why our team of experts is here to help you navigate the process and find the coverage that meets your needs. So contact us today to learn more!
Every business owner knows that shoplifting can be a significant and costly loss for profit margins. It’s vital to reduce these losses and protect your business from the financial burden of shoplifting. In St. Augustine, FL, Tim Huber Insurance is here to suggest ways to protect your business from shoplifting losses.
Security Cameras and Alarms
Using security cameras or alarm systems discourages shoplifters and deters them from entering your store in the first place. Installing cameras inside and outside your store will help you know who is always entering and exiting your store. Having an alarm system installed can also deter thieves by sounding off when they enter or attempt to leave with stolen items. Additionally, having visible signage that communicates that such systems protect your store may cause potential thieves to think twice before entering the premises or attempting to make away with stolen items.
Suspicious Behavior Monitoring
Have staff members on alert for any shoppers who seem overly preoccupied with their surroundings, linger around certain sections of the store too long, or quickly rush out upon noticing someone is watching them closely. Employees must also be trained to safely and appropriately handle any situations involving possible theft safely and adequately.
At Tim Huber Insurance, we understand how devastating losses from shoplifting can be for small businesses like yours, so you must take steps to reduce them before they become too costly. Installing security cameras and alarm systems, closely monitoring customer behavior within your premises, and investing in appropriate insurance coverage are all key measures. If you’re located in St. Augustine, FL, contact us today so we can get started helping you secure the proper protection for your business!
You either purchased or are considering investing in a classic car in St. Augustine, FL. Still, you want to ensure you have completed all the necessary research and the proper documentation to keep your collectible vehicle safe. At Tim Huber Insurance, we get questions about why classic car insurance is necessary, and our professionals are here to clear up any concerns you may have.
Custom Tailor Your Policy
You’ve likely invested a decent amount of money in your classic car, and perhaps you’ve even done some of the work yourself. With classic car insurance coverage, you can customize your policy. Unlike a traditional insurance policy, the value of your car is determined only after a claim is made. Instead, you will know what your coverage includes if you need to make a claim.
With classic car insurance, you can include post-factory features that were added during the restoration process. Some of the items that are typically covered are things like air conditioning installation, paint, an upgraded engine, or a power steering addition. With standard car insurance, you don’t have the option for additional coverage.
Your classic car is considered a second vehicle, not a daily driver. That means the rate you are charged is significantly less than it would be if you covered it with a standard insurance policy.
You are encouraged to contact the qualified professionals from Tim Huber Insurance and Financial Services to clarify any additional questions or to receive further information about classic car insurance in St. Augustine, FL.
Like most people in St. Augustine, FL, you’ve worked hard to build a wonderful life to be proud of. Good insurance is the key to protecting that life and all the things and people that matter most to you, but many people don’t find out they’re underinsured until it’s too late.
Umbrella insurance can help keep you covered where other policies fall short. Here are some perks and benefits to discuss with your Tim Huber Insurance representative when you set up your policy.
1. Umbrella insurance can ensure liability coverage
Naturally, your auto, home, and other policy types come attached to liability coverage. However, there’s always the chance you could be involved in a situation that exceeds the limits of those policies. Umbrella insurance kicks in at that point, ensuring you’re still covered.
2. Umbrella insurance protects your entire household
Just like a real umbrella would keep everyone underneath it dry in the event of a rainstorm, a nice, broad umbrella insurance policy protects everyone in your household from the fallout of life’s unexpected events. That means greater protection not only for you but for your spouse and everyone else in your home, no matter where in the world you go.
3. Umbrella insurance lets you finally stop worrying
Worry and stress are terrible for your mental and emotional health, so it’s essential to do everything you can to protect your peace of mind – something that’s hard to do when the metaphorical rain starts falling. With umbrella insurance in your corner, you don’t have to settle for hoping you’re covered in the event of an emergency. You can know you are instead.
Ready to make a priceless investment in your entire St. Augustine, FL family’s security and overall quality of life? Contact a Tim Huber Insurance agent today to discuss your options.
Flooding is one of St. Augustine, FL’s most common and costly natural disasters. According to the National Flood Insurance Program, floods cost Americans more than $5 billion in damage yearly. While you can’t control the weather, there are things you can do to reduce your risk of flood damage. Here are a few tips from Tim Huber Insurance to help you protect your home from flooding.
What can I do to help keep my home safe from floods?
You can do a few things to help keep your home safe from floods. First, please ensure your gutters and downspouts are clear and in good working condition. This will help ensure that water can flow away from your home rather than pooling around it. You should also check your home’s foundation for cracks or gaps that could allow water to seep in. If you find any, seal them with caulking or another appropriate material.
Another good way to help protect your home from flooding is to create a buffer zone around it. This can be done by landscaping with native plants and trees resistant to flooding. If you live in an area prone to floods, consider installing a sump pump and a French drain. These systems can help remove water from around your home before it has a chance to cause any damage.
Does homeowners insurance cover flood damage?
No, homeowners insurance does not cover flood damage. Flood damage is typically only covered by a separate flood insurance policy.
Where can I learn more about flood insurance?
If you’re a homeowner in St. Augustine, FL, you may wonder if you need flood insurance. Tim Huber Insurance can help you understand your options and make the best decision for your needs. Flood insurance is essential to have in this area, as flooding is a common occurrence. We can help you get the coverage you need to protect your home and belongings. Feel free to give us a call today to learn more.
Boating under the influence (BUI) is one of the leading causes of accidents and fatalities on waterways across the United States. Boaters may assume insurance will cover damages and injuries resulting from a BUI accident, but this is not always the case. At Tim Huber Insurance, serving St. Augustine, FL, we want to help keep you safe on the water this summer with our comprehensive boating insurance. We also want to educate you about the dangers and consequences of operating a boat under the influence, which include:
1. Higher Boat Insurance Rates
Your boat insurance rates will likely increase if you’re convicted of a BUI. In some cases, your insurer may even cancel your policy altogether. Finding coverage from another company may be difficult if your insurer drops you.
2. Increased Risk of Collision
Alcohol impairs your judgment and slows your reflexes, making it more difficult to operate your boat safely. This increases the risk of collision, which could result in serious injuries or even death.
3. Possible Criminal Charges
Depending on the accident’s severity, you could face criminal charges if you’re convicted of a BUI. These charges could include manslaughter, negligent homicide, or assault. You could also be fined and imprisoned.
4. Damage to Your Boat
In the event of an accident, your boat could sustain serious damage. If you’re not adequately insured, you could be left to pay for these repairs out of pocket. Your insurance company may also refuse to pay for damages if they determine you were operating your boat under the influence.
Get Comprehensive Boating Insurance in St. Augustine, FL
At Tim Huber Insurance in St. Augustine, FL, we offer comprehensive boating insurance to protect you and your vessel in the event of an accident. Contact our office for more information on a policy.
Tim Huber Insurance is here to help the greater St. Augustine, FL community meet all of its insurance needs. If you are a condo owner in the area, call us for help with any of your insurance needs.
Give your policy a review before starting any major improvements to your condo.
Updating your condo unit is a great way to make the space feel like a home. Condos afford residents a low-stress lifestyle, often with several wonderful amenities. If you’re preparing for a major overhaul, like updating the kitchen and bathrooms, it makes sense to take a close look at your current policy.
Condo insurance protects you from liability when accidents or damage happen in your unit or outside events damage your unit. Double checking the liability protection you have in place is advisable before undergoing any renovation project.
If something should go awry with your project, the damage could be the result. Making sure you have the protection you need before starting the improvement project is the way to go. This example illustrates the importance of having the proper protection in place before the work begins.
Knowing that your policy provides the protection you need will give you peace of mind. Please don’t leave anything to chance when protecting your condo and financial health! Take the time to review your policy today.
We look forward to working with you!
St. Augustine, FL area residents have a resource in the Tim Huber Insurance team. We help you with your insurance needs, including condo policies. Give us a call or stop by today!
Life insurance coverage offers compensation in a lump sum in the event one dies within the time of the policy. A life insurance policy entails an agreement between the insured and the indemnity company. In the treaty, the insured agrees to pay a certain amount for an agreed period in exchange for a life insurance policy. Life insurance is vital as it compensates individuals and families in St. Augustine, FL, and ensures that the deceased has left an inheritance to the loved one in the unfortunate occurrence of death. Tim Huber Insurance provides life insurance solutions in St. Augustine, FL, tailored to your needs and desires.
The following is a list of some of the benefits accrued to life insurance in St Augustine, FL:
- Financial Stability– Tomorrow can’t be too definite. In case of death, one is assured that the loved ones and family are compensated. Parents in St Augustine labor hard to make sure their families are comfortable and children attend their education. Life insurance promises financial stability for generations.
- Peace of Mind– A guarantee of financial well-being in families gives the breadwinner some contentment and peace of mind. It helps reduce worry and stress.
- Protection of One’s Family and loved ones– Families are faced with unique issues and situations. Some families have some members disabled or old, and others are terminally hindered in different ways. Every member deserves love, care, and attention. Life insurance guarantees that members of the family and loved ones will be taken care of in the event the breadwinner pass on. It will offer financial support to the old, physically challenged or any other need stated by the policyholder.
- Leaves an Inheritance– Tim Huber Insurance offers solutions about inheritance in the event the policyholder dies. Most families are struggling with the estate. Life insurance ensures the deceased leaves stable families stable financially and mitigates against possible battles that may arise because of the dead property.
Life insurance provides security and peace of mind to families and loved ones of the deceased. All breadwinners in St Augustine need to ensure they leave an inheritance for their loved ones. For life insurance needs in Florida, call or visit us at Tim Huber Insurance in St. Augustine, FL, and your lives will never be the same again.