Does a Sole Proprietorship Need Insurance Coverage?

A sole proprietorship is an unincorporated business entity with one owner. It is the simplest form of business entity and the most common. A sole proprietor is given all the business profits but is also responsible for any losses and liabilities.

If you are a sole proprietor in St. Augustine, FL, Tim Huber Insurance would like to take a moment to talk to you about the many benefits of commercial insurance for your business.

What risks does your business face?

Every business faces risks, from the smallest mom-and-pop shop to the largest corporation. Risk isn’t always obvious. Here are some examples of threats your business may face:

  • Physical damage – Natural disasters, vendors, or even your employees could damage your business property.
  • Liability – If your employees are injured, your business could be held liable. Your business could also be held liable for the actions of your employees on another person’s property. If a customer is injured in your business, you could be held responsible for their injuries.
  • Reputation – A lousy reputation could damage your business. A bad review online can cost you thousands of dollars in lost business. The actions of your employees could also damage your business.
  • Security – Thieves or vandals could target your business. You could fall victim to online crimes even if your business is not physically targeted. Cyber risk can be even more damaging than a physical crime.

These are just a few examples. You’re responsible for all these damages when you’re the sole proprietor. If you don’t have insurance, you will pay for these damages out of your pocket.

Are you a business owner in St. Augustine, FL? Contact Tim Huber Insurance today to learn more about protecting your business with commercial insurance.

What makes a car eligible for classic car insurance?

Florida residents interested in classic insurance should familiarize themselves with Florida’s eligibility requirements for classic car insurance. Typically, a car is considered classic if it’s at least twenty years old. However, the requirements and even the age of a car are subject to the insurance company’s requirements offering classic car insurance. Our team at Tim Huber Insurance understands that the ABCs of classic car insurance may not be clear to many St. Augustine, FL residents. This is why we’re committed to creating clarity when it comes to understanding what classic car insurance is and who’s eligible for it. 

What’s the Definition of a Classic Car?

Truthfully, how a classic car is defined can vary from insurance company to insurance company. However, some generalizations tend to be true across the board. Most cars are classified as classic depending on age, use, and how they are kept. Classic cars are typically at least 15-20 years old, maintained in mint condition, and driven less than 5,000 miles annually. Classic cars aren’t daily drivers. However, the insurance information institute defines a classic car as a car that’s 25-30 years old, and most Florida insurance companies define a classic car as thirty-plus years old.

What is Classic Car Insurance, and Who’s Eligible?

Classic car insurance is designed to meet the needs of classic car owners. This type of insurance is typically cheaper than conventional car insurance because classic cars are generally second cars and are not driven daily. This type of car insurance is designed to protect classic/antique cars. Florida residents who own a classic car that’s 30 years old or older are eligible for classic car insurance and must purchase property damage liability and personal injury protection. Conversely, classic car insurance differs from conventional car insurance in that the value of a classic car is agreed upon by both the insurance company and the car owner. If you have questions about classic car insurance, give us a call. We’d be happy to answer all of your questions.

Why Should I Invest in Motorhome Insurance?

Are you a motorhome owner in St. Augustine, FL? Have you thought about motorhome insurance? Please feel free to speak to insurance experts at Tim Huber Insurance and get motorhome coverage that meets your needs and budget. Here are the reasons you should invest in motorhome insurance:

Liability protection

While using your motorhome, accidents are bound to transpire at any given time. Imagine inflicting bodily injury or propagating property damage to other people? What of the expensive legal fees if a third-party files a suit against you? Luckily, these unexpected expenses are sorted out if you have liability coverage under your motorhome insurance plan.

Protection of assets

Motorhomes are a massive investment that doesn’t come cheaply. When your means of transport transforms and becomes your home, it’s crucial to bestow it with splendid protection because risks like vandalism, hail, and fire can throw your precious asset into disarray. Without a prolific motorhome policy, your motorhome or camper can cost you fortunes to repair or replace. However, if you possess motorhome insurance, it caters to fixing or restoring your motorhome when it gets damaged, stolen, or vandalized. Additionally, procuring content coverage safeguards your belongings that get lost or damaged while in your motorhome.

Instils peace of mind

Many roads in St. Augustine, FL, are susceptible to all forms of dangers because of drunk driving and uninsured drivers. Motorhome insurance gives you peace of mind, knowing that your prized asset is well protected.

Buy motorhome insurance today!

Road trips, camping, and other activities with your motorhome are undoubtedly fun. However, these breathtaking experiences come with inherent risks. Therefore, calling or visiting our agents at Tim Huber Insurance in St. Augustine, FL, is the ultimate way to protect your motorhome by getting formidable insurance coverage.

Common Risks Not Covered by Typical Home Insurance

Your home insurance from Tim Huber Insurance covers your dwelling, belongings, and protects you against liabilities. Unfortunately, your home insurance doesn’t cover you against everything. As such, you need to know about your home insurance exclusions to save you heartache and money down the line.


While floods are one of the most common natural disasters in America, the bad news is that your typical home insurance doesn’t cover flood damage. However, the good thing is that you can purchase a stand-alone flood insurance policy from the National Flood Insurance Program (NFIP) or private carriers to cover your home against floods.


Your home insurance doesn’t typically cover earthquakes and other earth movements. However, you can purchase an endorsement to protect your home against earth movements.

Maintenance issues

If your home is infested by mold and pests, home insurance doesn’t cover any ensuing damage. Similarly, if you file a claim to get compensation for normal wear and tear, your claim is likely to be voided by your insurer.

Also, if food put in your refrigerator spoil due to power loss, you won’t be compensated for the loss.

Valuable properties

Your standard home insurance provides limited protection for your high-value items like jewelry, fur, and guns. For instance, most home insurance policies cover jewelry theft up to a maximum of $1,000. Suppose you have jewelry with a value of $8,000. With $1,000 coverage, you will have a significant amount of uncovered loss.

Government actions

Your insurer isn’t responsible for your government’s actions. For instance, if the government confiscates your assets or seizes the land where your home is located, home insurance won’t come to your rescue.

Learn more about home insurance in St. Augustine, FL 

Need more information about the ins and outs of your home insurance policy? Please get in touch with Tim Huber Insurance.

Benefits of Commercial Insurance

If you have a business, you know that commercial insurance is one of the cornerstones of good business acumen. Tim Huber Insurance serving St. Augustine, FL would like you to know about commercial insurance benefits.

Asset Protection

One of the key benefits of a comprehensive commercial insurance policy is the financial protection of your assets against certain perils you may experience. Depending on your policy structure, you may either have a policy that pays for the perils specified in the policy or pays unless it is a peril specifically excluded from the policy. This can include policy add-ons that provide additional insurance against theft and vandalism.


Liability and litigation go hand in hand. If you are legally responsible for someone’s injuries or damage to their property, you are liable. Liability insurance provides a financial cushion, and certain policies may include insurance covering you for the costs of a liability lawsuit.

Employee Protection

If you are a business with employees, then there is a chance that your employees may experience injuries, death, or disability while working. Workmen’s compensation insurance pays or helps to pay for these costs, often including a loss of income benefit for the employee while they recover.

Business Interruption

It shouldn’t happen often, but sometimes, an event beyond your control may interrupt the industry of your business, directly affecting your bottom line. This is where business interruption insurance comes in. Depending on your policy wording, this provides you with benefits while your business is closed.

Contact Us

The biggest benefit of commercial insurance is peace of mind, knowing that you have tailored your commercial insurance to protect you against your greatest enemy, the unexpected. Speak to Tim Huber Insurance serving St. Augustine, FL, today about renewing or reviewing your commercial insurance policy.

Classic Car Insurance FAQs

If you own a 1956 Chevrolet Bel Air or a 1968 Chevrolet Camaro, you may need classic car insurance from Tim Huber Insurance of St. Augustine, FL. But since classic car insurance differs from standard auto insurance, most collectors’ car enthusiasts aren’t so sure about this coverage. Today, we have created a FAQs section to respond to questions we receive from our clients. But if your question isn’t still covered, don’t hesitate to get in touch with us.

Is my car eligible?

Your daily drive car isn’t eligible for classic car insurance. Besides, your vehicle needs to be at least 25 years and above to qualify for classic car insurance.

What is the agreed value, and why does it matter?

The insured value of most standard vehicles is actual cash value — here, your insurer determines the value of your car at the time of loss. However, things are a bit different in classic cars. You and your insurer pre-agree with the value of your car in the event it’s totaled. This way, you get the actual value of your car, which is a good thing because antique cars’ value appreciates or remains constant.

Is classic car insurance expensive?

You will be surprised that classic car insurance is significantly cheaper compared to standard auto insurance. Since you don’t drive your car every day, the risk of your exotic vehicle is considered minimal, making the premiums affordable.

What are the different classic car insurance coverages?

Most coverage options for your classic car insurance are similar to those of your standard auto insurance. Here are some examples of classic car insurance:

  • Comprehensive and collision coverages
  • Liability coverage
  • Medical payments (MedPay)
  • Uninsured/underinsured motorist coverage
  • Original replacement coverage
  • Roadside assistance

Protect your pride and joy in St. Augustine, FL

Since your classic car is more than a vehicle, you need the right insurance coverage to protect your investment. To get classic car insurance, please get in touch with Tim Huber Insurance.

3 Ways Umbrella Insurance Covers Your Assets

Expanding Your Home and Auto Liability Coverage

The financial damage from an auto accident or a medical emergency in your home can be astronomical. If an injured person sues you, the amount could be higher than your coverage, even with a sizable policy limit. Umbrella insurance, offered through agencies like us at Tim Huber Insurance in St. Augustine, FL, focuses on covering people who already have insurance, so it kicks into effect in these situations to pick up the loss. Since its policyholders have less risk due to already having insurance, umbrella coverage has high coverage limits and low premiums that make it valuable for those scenarios without breaking your bank.

Protecting Your Family

An umbrella policy’s spread of coverage goes beyond yourself. As long as they don’t have their own separate insurance policy, members of your household will be covered. More household members make for more potential risk, especially if you have a young driver living at home. Signing up for umbrella coverage ensures you can be there for them in every way.

Covering Your Uncovered Losses

Umbrella insurance has fewer restrictions on what it will cover compared to home and auto insurance. Instead of telling you what the policy will cover, the policy explicitly outlines the things that it won’t cover. Which items are excluded will vary as you look between providers and policies, but the exclusions are usually ones that make sense, such as not covering damage that you cause to your own property. If you are liable for a loss that isn’t excluded but has no other coverage, you pay a limited amount similar to a deductible. When you venture out of St. Augustine, FL, you can focus on having a good time instead of worrying if you sign up for an umbrella insurance policy with the help of Tim Huber Insurance.

Your Flood Insurance Options Explained

Flood risks can ruin your home and your valuable items. While no one can give back something with sentimental values, you can protect yourself as much as possible.

Do you know how covered you are in case your neighborhood and home experiences flooding? Or do you know when flood insurance becomes a must? We do and we are here to help you figure this all out too.

Contact Tim Huber Insurance in St. Augustine, FL to discuss flood insurance or to receive assistance revising your current flood insurance.

When You Need Flood Insurance

Of course, it seems logical to get flood insurance if you live in an area that is at a high risk of flooding. It’s definitely incredibly wise to get flood insurance at that point, but in some cases, you are actually required to have flood insurance. Mortgage lenders might not give out a mortgage for certain high-risk areas unless the buyer agrees to flood insurance. Make sure to read up on your flooding risk now, but especially if you plan on moving to a new area. 

When You Should Want Flood Insurance

If you don’t live in a high-risk area, it is still worth discussing flood insurance with us. Even if the risk is low or you live in a high rise, knowing what you stand to lose in case of flooding might be the push you need to avoid losing your valuables and property damage in case the worst happens.

We can provide you with multiple quotes and advise you on what flood insurance is best suited for your circumstances. You can call Tim Huber Insurance in St. Augustine, FL to enquire about quotes.

Is Boat Insurance A Must in Florida?

Boat insurance.

Boat insurance is an insurance policy provided by companies like Tim Huber Insurance Company that helps protect vessels motorized by a motor power that comprises at least 25 miles per hour against damage. This insurance covers all boats, including fishing boats, Bowrider boats, Deck boats, among others. It protects you from risks like theft, physical loss, damage, or towing. Some boat insurance covers for injury to other people other than the driver and medical payments. For this reason, it is wise for all boat owners to choose boat insurance that is best suitable for them in St. Augustine, FL.

Is Boat Insurance a Must in Florida?

In Florida, it is not mandatory for boat owners to have boat insurance. But, considering the value of your boat, why risk it? Some boat owners might consider it pocket-friendly to purchase or repair damages on their boat. Hence, they end up not opting for boat insurance. Others consider the value of their boat so high that they choose suitable boat insurance. Therefore, the decision to have boat insurance, from a company like Tim Huber Insurance, is instrumental in instilling peace of mind. 

Optional Types of Boat Insurance.

Total Loss Replacement Boat Insurance Coverage.

It is an option that most boat owners in St. Augustine, FL opt for. This option is only available if the boat is not more than a one-year-old model. In case of total damage to the totaled boat, the company buys the owner another boat or gives the owner the sum they initially paid for it. This is usually optional. 

Medical Payments Boat Insurance.

Medical payments boat insurance option ensures the medical payments for the boat owner, passengers, and any other person hurt in an accident. This is a perfect option because no one predicts the occurrence of an accident or its intensity.

Trailer Trip-Interruption Boat Insurance.

Here, a boat is covered if it experiences some interruption in the middle of the journey on water that is at least 100 miles from home. The insurance company comes through by covering food, hotel, and other transportation expenses. 

Boat insurance is a great deal for all boat owners in St. Augustine, FL. Carnages are not predictable. They may sometimes be fatal and make it difficult for the owner to pay cash from the pocket to cover the damages and medical bills. Please get in touch with our agents at Tim Huber Insurance to get detailed information about boat insurance. 

Why Is Condo Insurance Different from Home Insurance?

If you buy a condo, you may be surprised to learn that you need to buy condo insurance rather than homeowners insurance. They are very different types of policies. The key difference between the policies surrounds what each protects.

If you live in St. Augustine, FL and own a condo, Tim Huber Insurance has some information that may help you choose the right policy for your needs. Here’s what you need to know as you shop for a new policy.

Condo Insurance Covers the Interior

While homeowners need coverage for the interior and exterior of the property, people who own condos need coverage for only the interior of the unit and their own personal items. You also won’t need dwelling coverage for the building.

Your standard condo insurance may cover your personal belongings up to a specific financial limit. You may add on additional personal property coverage.

Condo Insurance Offers Different Add-Ons

You will find plenty of add-ons for condo insurance policies that differ from homeowners insurance coverage. For instance, condo owners may add loss assessment coverage. This helps cover the gap between your standard condo policy and the insurance of the condo association.

Condo Insurance Has Different Liability Coverage

When you own a condo, you don’t need liability coverage for the exterior of your home, like the yard. You only need liability coverage for the interior of your unit.

Condo Insurance Offers Different Policies

Choosing the right insurance policy for your condo can be complicated, which is why so many owners speak with insurance agents. If you live in St. Augustine, FL and want to purchase the right policy, get in touch with Tim Huber Insurance for more information about the difference between condo and homeowners insurance.