Insurance

Does condo insurance cover windows?

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Whether you live in a condo, a house or an apartment, your windows are your invaluable opening to the outside world. Will condo insurance cover them?

It’s a question often posed to our team.

Here’s the answer from our St. Augustine, FL condo insurance professionals.

Condo Insurance and Windows

Windows are more valuable than most condo and homeowners think. Even if you are renting a condo, your windows are of the utmost importance. Get a quote for window replacement and you’ll likely be shocked as to just how valuable they are.

Oftentimes, condo owners find it difficult to determine the classification of windows. In general, condo owners are responsible for repairs and replacement of private spaces. 

Common areas and shared areas tend to be the responsibility of the overarching condo authority. Corridors, laundry facilities and courtyards are considered common areas in condo units.

As a result, you’ll need condo insurance to cover your windows, whether they need repair or replacement.

Exclusive Common Elements

In general, the windows of a condo unit are typically considered an exclusive common element. As such, the windows are likely covered by each individual condo unit owner’s policy. 

However, an exception might arise based on the window type. If the outside portion of the window is damaged, it might be the condo association’s collective responsibility. The interior portion of the window is almost always viewed as the condo owners’ responsibility.

Contact Tim Huber Insurance Today

If you are considering buying or renting a condo, you’ll need insurance. Tim Huber Insurance serves the entirety of the greater St. Augustine, FL area. Dial 904-824-2555 to get a personalized condo insurance quote.

Why Newly Married Couples Should Review Life Insurance

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Most insurance policies are there to protect you from financial harm when unexpected events happen. Life insurance is different because this type of insurance exists to protect the people you love from financial harm. Having life insurance means your spouse, your children, and other dependents can be cared for even if you die. This is why life insurance needs to be reviewed periodically, especially when big changes like marriage take place. The professionals at Tim Huber Insurance servicing St. Augustine, FL can help with the life insurance review process. Here’s what to know. 

How Does Life Insurance Help Married Couples?

Spouses rely on each other in various ways. They share finances, household responsibilities, and childcare duties. If you’re recently married, then having life insurance can help ensure that if something happens to you, your spouse will still have financial resources to fall upon — even if you aren’t there to provide them. 

Why Review Your Life Insurance?

Reviewing your life insurance policy after you get married gives you a chance to ensure that your life insurance policy still works for you. Is the coverage enough? Is the beneficiary correct? These are the questions you should ask yourself when reviewing your home insurance policy. 

When to Review Your Life Insurance?

You should review your life insurance policy when various life changes happen. After marriage, after the birth of a baby, after accepting a new job or moving — all of these moments make good times to review your life insurance policy. 

Need Help With Life Insurance? Call Today

If you need help reviewing your life insurance policy, the professionals at Tim Huber Insurance servicing St. Augustine, FL can help. Call today to speak with one of our insurance professionals. 

Will Commercial Insurance Cover Mixed-Use Equipment?

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At Tim Huber Insurance, it’s common for our team to work with small business owners who have mixed-use equipment. For example, maybe they use their laptop both at home and on the job. Or they might have a printer that they use both to print out flyers for their business and invitations for their kids’ birthday parties. Here, we’ll look at how commercial insurance works to cover your mixed-use equipment in St. Augustine, FL and why it matters. 

Mixed-Use Equipment and Commercial Insurance 

Commercial insurance will cover mixed-use equipment, though it’s important for policyholders to be upfront about how they use the equipment. For example, if you don’t let your insurance company know that you bring your laptop home with you every night and then your toddler spills water all over it, then a commercial insurance company might reasonably deny your claim. In that case, you may want to go through your home insurance policy. 

Why It Matters 

It can be easy for business owners to dismiss mixed-use equipment coverage, especially if their business is more of a side hustle or doesn’t require a lot of expensive equipment to run. However, even if you don’t have a lot of equipment overhead, you might be surprised at how much you have to lose should you face anything from damage to theft to vandalism. Strengthening out your policy now, before there’s a dispute, can help you feel more prepared for whatever may happen down the line. 

At Tim Huber Insurance, we help people in St. Augustine run their businesses more efficiently by providing policies that strike a good coverage balance. Whether you have questions about how you use your equipment or you’re just looking for a quote, contact us today to learn more about what we can do for you. 

Does Flood Insurance Cover Mold Removal Costs?

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Standing water creates the perfect environment for mold spores to flourish, creating fuzzy walls, toxic furniture, and a hazardous environment for your family. Flood insurance may be able to help homeowners in St. Augustine, FL, but it depends. 

What Counts As A Flood?

A flood is defined as damage that occurs due to water rising from the ground up. For example, if heavy rainfall causes flooding or a lake rises to the point where it floods. Other incidents, such as an overflowing washer involving water, do not count. Policies will only provide coverage if the incident meets the company’s definition of a flood. Call an agent here at Tim Huber Insurance to learn more about the details. 

Was The Water Removed Promptly?

How quickly you take action after the disaster can determine whether your claim gets denied. If you leave the house, even though it’s not declared unsafe, and don’t return to remove water for weeks, the company will likely look at that as the mold being caused by your neglect, which won’t be covered. 

On the other hand, if you can’t get into your home because an authority has deemed it unsafe, making it impossible to remove the water, your policy provider might help cover the cost. Coverage can depend on the situation, so it’s always important to give your agent as many details as possible. 

Pre-Existing Mold

Companies will rarely cover mold removal if there was already mold in the home. For example, if you had a few spots of mold before the flood and it rapidly multiplied afterward, it won’t be covered. 

It’s always a good idea to ask one of our agents here at Tim Huber Insurance about your situation to determine if mold removal will be covered. We’re ready to help you any way we can. Contact us today. We’re currently serving the St. Augustine, FL area. 

Insurance Protection for Your Motorhome’s Contents

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The personal items stored within your motorhome can be added to your insurance policy. Conduct a walkthrough of your motorhome. Prepare a list of items that will benefit from being insured.

Purpose of Walkthrough

Performing a walkthrough of your motorhome will ensure that all the items you review are fresh in your mind. During the walkthrough, take the time to assess each item completely. Think about the overall use value of the furnishings, decor items, appliances, and other essentials that you own. Consider the monetary value of the items too.

The walkthrough gives you time to contemplate whether you will be able to easily repair or replace an item if it becomes damaged or stolen in the future. If not, you may want to think about insuring it.

Placement and Use Considerations

While you are deciding which items within your motorhome to insure, assess the placement of them. Also, think about the frequency in which you use items. If your motorhome is used for travel on a seasonal basis, you may only need insurance coverage for a specific timeframe. 

Insurance Products

Motorhome insurance includes liability coverage, collision coverage, personal property coverage, and more. The types of insurance you pursue will be dependent upon your preferences and needs.

Your motorhome insurance policy could provide coverage for inspecting, cleaning, repairing, and replacing any items that are affected during a criminal activity, vehicular accident, or catastrophic event. 

Insurance Help

Do you need help with your existing motorhome insurance policy, or would you like to take out a new policy? You can receive all the help you need by contacting our Tim Huber Insurance office. An insurance agent who represents the St. Augustine, FL region will help you out with your concerns.

Does Your Team Need a BOP, a CPP, or a GL?

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If you’re a Florida business owner, purchasing commercial insurance is essential to protect your business interests and support your employees. Many business owners value working with an experienced insurance agent to navigate their commercial insurance options. If your company is near St. Augustine, FL, our team at Tim Huber Insurance can help you select the right policy. We’ve been assisting businesses like yours since 1987.

Understanding BOP, CPP, and GL Insurance Options

When purchasing commercial insurance for your company, you may encounter various terms describing the types of coverage available. According to the Florida Insurance Information Portal, several types of commercial insurance are required for businesses in the state. Many insurance agencies offer the option to combine these coverages into convenient packages, such as a BOP, CPP, or GL.

A Business Owner’s Policy (BOP) includes commercial property insurance, business income insurance, and general liability insurance. This combination is ideal for small to medium-sized businesses seeking comprehensive coverage. A Commercial Package Policy (CPP) is a more flexible option that combines general liability, commercial property, and commercial auto insurance. General Liability (GL) insurance is a standalone policy that provides essential liability coverage and is required for all Florida businesses.

Contact Us Today for Expert Guidance

Every business is unique, and your commercial insurance policy should reflect your specific needs. At Tim Huber Insurance, we take the time to help you make the best possible choices for your insurance portfolio. Businesses in the St. Augustine, FL area have trusted our team for over 35 years. Call us today to schedule an appointment and let us help protect your business with tailored insurance solutions.

When a “Weekend Car” Changes How Insurance Should Work

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If you own a classic car, you know. There’s a specific moment every classic car owner recognizes immediately. It’s the moment when the car stops being how you get somewhere and starts being why you go. That shift matters. And it matters even more for classic car insurance than most people realize.

Here at Tim Huber Insurance, we see this transition all the time with St. Augustine, FL drivers. The car still runs. It’s still licensed. But its role has changed, and your insurance should change with it.

From Transportation to Intention

Here’s the thing: Daily-use vehicles are insured around routine exposure. Commutes. Errands. Predictable patterns. A weekend car doesn’t live in that same world. It’s driven intentionally, selectively, often for enjoyment rather than necessity. And that shift affects how risk is evaluated.

Classic car insurance isn’t triggered by age alone. It’s triggered by purpose. When your car becomes something you preserve, showcase, or take out only under certain conditions, standard auto insurance assumptions usually fall short.

Why Less Driving Isn’t the Whole Story

The most common assumption we see is that less driving automatically means simpler insurance. In reality, occasional use concentrates exposure into specific moments, like events, weekend traffic, or weather-dependent outings. Long periods of storage followed by short bursts of use create a completely different risk pattern compared to steady, everyday driving.

Classic car insurance takes this pattern into account. Not just how far the car goes, but why it’s going out at all.

Where Classic Car Insurance Fits

Classic car insurance is explicitly designed for vehicles that have crossed that identity line; from transportation to passion project. It reflects how the car fits into your life now, not how cars are generally used. At Tim Huber Insurance, we work with St. Augustine, FL classic car owners to help them recognize when a “weekend car” has quietly outgrown standard coverage. Give us a call to discuss your lifestyle and we’ll walk you through your exposure and coverage options.

Can You Add Pet Insurance to an Umbrella Policy?

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Chances are you have heard of umbrella insurance. You might even have umbrella insurance atop your existing policies. However, you probably aren’t completely certain as to whether umbrella insurance includes pet insurance.

Our St. Augustine, FL insurance providers are here to help clarify the complexities of umbrella insurance. 

Umbrella Coverage and Pet Accidents

Is it really possible to add pet insurance to an already existing umbrella insurance policy? If you own a dog, cat or any other pet, it is in your interest to know the answer to this question.

Umbrella insurance is optional insurance tacked on to basic insurance. Though most people are aware that umbrella insurance covers bodily injury and property damage, there is some confusion as to whether pet insurance is applicable.

Homeowners should be aware that their basic homeowner insurance policy from Tim Huber Insurance usually kicks in to cover incidents involving pets. As an example, such a policy typically provides coverage if a dog bites someone at the property yet it wouldn’t be applicable if the bite occurred in a public park.

Additional Protection

The logic in adding umbrella insurance is that it provides another layer of protection that extends past the regular homeowner insurance. The same is true for renter insurance in St. Augustine, FL. 

Such protection is essential when dog bites occur. Moreover, other pet-related accidents including clawings, scratchings and other attacks can occur. In some instances, pets cause significant damage to property.

Get umbrella insurance and you’ll sleep soundly knowing you have an additional layer of liability coverage. This extra coverage extends beyond the limits of regular insurance. Such high limit insurance protects your business from potentially costly claims that put your financial future in jeopardy.

Obtain umbrella insurance and you’ll add new pets to your home without worry. From pit bulls to Saint Bernards and other large or dangerous pets, umbrella insurance provides high limit protection in the event of bites, clawings or other damage or harm.

Get a Quote From Tim Huber Insurance 

Serving St. Augustine, FL, our insurance team provides fair quotes and extensive coverage options. Reach out to us today at for your customized quote.

Why You Need Both Home Insurance and Flood Insurance

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Homeowners virtually know how important it is to have home insurance. However, many don’t know that they also need flood insurance. Both of these policies work together to protect your home from the various risks it faces. If you don’t have flood insurance, it’s time to find out more. To get started, you can contact us at Tim Huber Insurance, serving St. Augustine, FL. 

Standard Home Insurance Doesn’t Cover Floods

One of the most important reasons to get flood insurance is that your home insurance won’t cover a flood. There are specific exclusions from home policies, and flooding is one of them. With just a home policy, your home would be completely unprotected from the cost of a flood. It’s important to have home insurance to cover a wide range of situations, but it’s also important to have flood insurance for this risk. Flooding can cause extreme damage to a home, sometimes requiring a complete rebuild.

Flood Zones

Many people believe that they don’t need flood insurance because their home isn’t in a flood zone. While these zones are good predictors of flooding, flooding often occurs outside them. About one-third of all flood claims come from areas that aren’t inside a flood zone, according to the Federal Emergency Management Agency. Virtually anywhere can flood, and floods are always extremely expensive to remediate. Few people could handle the costs of a serious flood without flood insurance.

Get Flood Insurance

If you don’t have flood insurance, your home is vulnerable to the high cost of flooding. Make sure this never happens to you and keep flood insurance for as long as you own the home. Contact us at Tim Huber Insurance. We’re currently serving St. Augustine, FL.

How Boat Insurance Protects Against Theft of Equipment and Accessories

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Your boat represents a significant investment, but it’s not just the hull you need to worry about. All those electronics, fishing gear, and accessories can add up to thousands of dollars. At Tim Huber Insurance in St. Augustine, FL, we help boat and watercraft owners understand how their coverage protects against theft of valuable equipment.

What Does Your Policy Cover?

Most boat insurance policies include coverage for permanently attached equipment, such as GPS units, fish finders, and radio systems. This coverage typically applies to items that are bolted down or hardwired into your electrical system. However, the definition of "permanently attached" can vary between insurers, so it’s important to review your specific policy language.

Personal property coverage is another key component. This protects removable items like fishing rods, tackle boxes, life jackets, and portable electronics. Many policies set limits on personal property coverage, often around 10% of your boat’s insured value.

Understanding Policy Limitations

Here’s where things can get complicated. Many policies only cover theft when there is evidence of a break-in, such as signs of forced entry. If someone takes your unsecured fishing gear while you’re grabbing lunch, you might not be covered. Some insurers also exclude coverage for theft of items left in open areas, such as on deck or in unlocked compartments.

High-value electronics often require special consideration. For example, a $5,000 fish finder might exceed your standard limits, necessitating additional coverage or a scheduled item endorsement.

How to Protect Your Investment

The best strategy combines proper insurance with smart security practices. Document your equipment with photos and serial numbers, use locks, and consider removing valuable portable items when leaving your boat unattended.

Tim Huber Insurance in St. Augustine, FL, can review your current coverage and help ensure your valuable boat equipment is properly protected.