For those in St. Augustine, FL, figuring out if umbrella insurance is a wise decision can be daunting. Still, Tim Huber Insurance wants to use our knowledge to help Floridians better understand the role of umbrella insurance and how they can choose a policy that works well for them. Umbrella insurance is not the most well-known type, so many people are surprised by its usefulness.

Weather the Storm with Umbrella Insurance

In life, unexpected incidents can cause lots of chaos, stress, and financial burden. It can feel like you’re forced to stand in a storm that leaves you soaking wet and unsteady on your feet. It’s in those types of situations that umbrella insurance can come in handy. Umbrella insurance is a lot like an extension of your other insurance because when you reach limits on different policies, like home or car insurance, your umbrella insurance can then pay for costs you owe beyond what your other policies will cover.

Different umbrella insurance policies will cover different things, but these plans often cover situations such as injuring someone, damaging someone’s property, defamation, or other similar liabilities. It doesn’t cover expenses related to business liability (unless you get a specific business policy), injury to yourself, or property damage. In Florida, you aren’t required to have umbrella insurance, but it can be good to have if you think you are likely to be sued or have many assets.

People who own property, for instance, often choose this type of policy, or families with a new or inexperienced driver may also opt for this type of policy. Certain types of equipment or items may be associated with higher potential liability, such as dogs, guns, pools, or trampolines, which can all cause harm in worst-case scenarios. You’ll want to ensure your policy covers your assets or potential liabilities. Some insurers, for instance, do not cover certain breeds of dogs.

Get Yourself Covered

At Tim Huber Insurance, we love to help people in and around St. Augustine, FL, get the coverage they need to feel confident, no matter what obstacles are ahead of them. If you’re ready to call a policy your own, our agency will gladly help you through the process and share our experience and knowledge with you. Contact us to learn more and ready yourself for unexpected accidents.

Knowing if your home is situated in a flood zone or flood plain is crucial for assessing your flood risk and securing the right flood insurance. Tim Huber Insurance, based in St. Augustine, FL, is here to guide you through this critical aspect of safeguarding your property.

How to Determine Your Flood Zone

1. FEMA Flood Maps: FEMA offers Flood Insurance Rate Maps (FIRMs) that delineate flood zones. You can access these maps online or consult local authorities or insurance agents like Tim Huber Insurance for guidance.
2. Property Survey: If your property boundaries are unclear, consider hiring a surveyor to assess your property and provide flood zone information.
3. Local Authorities: Contact your local zoning or planning department for flood zone information. They can help you determine your property’s flood zone.
4. Insurance Agent: Consult an experienced insurance agent, such as Tim Huber Insurance, for insights into your flood risk and help with obtaining flood insurance.
5. Online Tools: Some websites offer tools that allow you to input your address and receive flood zone information. However, these tools may not be as accurate as official FEMA maps.
6. Community Rating System (CRS): If your community participates in FEMA’s CRS program, they may have information on your property’s flood risk reduction efforts, which can influence insurance rates.

Determining if your home is in a flood zone or flood plain is essential for making informed decisions about flood insurance. Tim Huber Insurance in St. Augustine, FL, is ready to assist you in understanding your flood risk and acquiring the appropriate flood insurance coverage. Contact us today to evaluate your flood risk and secure suitable flood insurance coverage.

Few things compare to the joy and beauty of being out on the open water in places like sunny St. Augustine, FL, where boating and beaches go hand in hand. For boaters, however, that also means being prepared, and that is where the professionals at Tim Huber Insurance can help.

If you need boat insurance or are comparing policies and plans, we invite you to visit us today. The only thing more important than having fun when we are at the helm of our seaworthy vessel is staying safe.

Protect You and Your Vessel with Boat Insurance

From the legal aspect to the practical standpoint, boat insurance isn’t only advisable but necessary. Like any motorized vehicle, with great power comes great responsibility, which is where insurance plays a role.

In addition to the legal and practical considerations, boat insurance is a great way to protect your investment. If you are like most boat owners, you take great pride in your boat and spend time and energy to keep it in excellent, seaworthy shape.

It is also an excellent idea to protect your time, effort, and investment in your seaworthy pride and joy with a boat insurance plan to fit your needs. While boat insurance isn’t a legal requirement in Florida, taking care of you and your boat does require the kind of protection boat insurance can provide.

For All Your Boating Insurance Needs

Thank you for visiting Tim Huber Insurance, where we proudly help boating enthusiasts in and around St. Augustine, FL with all their boat insurance needs. Contact us today to learn more and hit the open waters with the confidence to handle any rough waters that come your way.

Life insurance is essential to protect your loved ones, especially the older you get. But there are several different kinds, and it can be hard to understand them all. Here’s how to know what type of life insurance you need and how to get quality life insurance in St. Augustine, FL. 

Whole Life Insurance 

Whole life insurance offers a one-time, lifelong, permanent policy that costs more each month but doesn’t require renewal. It builds cash value over time, but term life insurance tends to be less expensive ongoing. 

Universal Life Insurance 

This is an uncommon type of life insurance that allows you to change a permanent policy in the future and usually costs less than whole life insurance. That said, you’re not guaranteed that your policy’s cash value will grow as it does with whole life coverage. 

Term Life Insurance 

Term life insurance is the most common coverage type and is affordable and easy to get. You can purchase a policy that lasts only a few years or up to 30, depending on your age and current health status. But if you live longer than your policy, you’ll have to take out a new one. This is usually a lot more expensive later in life. 

Variable Life Insurance 

A variable life insurance policy has both fixed premiums and a guaranteed death benefit, but it’s also tied to investment accounts like stocks, bonds, and mutual funds. You could do very well, but you’ll have to be involved in managing your account, since its cash value will fluctuate along with the market. 

Need life insurance in St. Augustine, FL? Tim Huber Insurance serves your area. Call now at (904) 824-2555. 

Living in St. Augustine, FL, you are no stranger to floods. With hurricanes and tropical storms frequently hitting our coastal community, flooding is a real threat we must prepare for. Tim Huber Insurance discusses the factors you must consider when assessing your flood risk to ensure you have the appropriate coverage.

1. Location: Location is vital in determining your flood risk. Living in a coastal area makes you more likely to experience flooding during a tropical storm or hurricane. Additionally, if you live in a low-lying area, you may be at a higher risk of flooding during heavy rains. Even if you do not live in a high-risk flood zone, it does not mean you are safe from flood damage.
2. Home Elevation: Your home’s elevation can also impact your flood risk. If your home is built in a high-risk flood zone, it will be elevated to reduce flood damage. However, your home may not be elevated if you live outside a high-risk area. Considering this when assessing your flood risk and purchasing insurance coverage is crucial.
3. Age of Home: The age of your home can also impact your flood risk. Older homes may have outdated plumbing or insufficient drainage systems, which can lead to flooding during heavy rains. Assessing your home’s existing drainage systems and making any necessary improvements is essential.
4. Proximity to Water: The proximity of your home to water sources like rivers, lakes, and the Atlantic also impacts your flood risk. If you live near a water source prone to flooding, you are at a higher risk of flood damage.

Understanding your flood risk is crucial in St. Augustine, FL. Contact Tim Huber Insurance to determine the appropriate coverage for your home and possessions.

The agents at Tim Huber Insurance serving the St. Augustine, FL area want you to understand the importance of commercial insurance for your Florida business. First of all, it is imperative that you have the proper amount of auto liability insurance on each vehicle that is driven for your business or is owned by your company. Auto liability insurance is mandated under Florida law for all drivers, including those driving for your business.

Commercial Liability Insurance Coverage

Commercial liability insurance is critical to have in place since it can protect your business in various ways. For example, if someone falls and is injured at your business or due to something from your company, this type of insurance will help you out if a lawsuit is filed against you. It can help pay the injured person’s medical bills and even lost wages. It will also pay for any property damage caused by your business or someone working for your business. It can also help you in other court cases, such as slander, libel, or copyright infringement.

Commercial Property Insurance

Commercial property insurance is critical for you to have as a business owner. This is because we never know when a natural disaster will occur, a fire will break out, or someone will commit an act of vandalism at our business. This type of insurance will help you replace any lost inventory and other damage caused by these events. It can also help if a burglary or theft incident happens at your business.

Contact Tim Huber Insurance

To create the best commercial insurance policy for you and your business, contact the trustworthy and experienced agents at Tim Huber Insurance, serving the St. Augustine, FL area, today!

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.