Tim Huber Insurance serves the St. Augustine, FL community, as well as the surrounding areas, by offering residents multiple types of insurance coverage. We enjoy simplifying the process of helping our clients find the policies they need to protect what matters most. We have a passion for helping people.

Common Umbrella Insurance Myths

Umbrella insurance is an asset during times when you are faced with a potential liability dispute. The policy acts as a safety net to protect you from potentially dealing with huge losses. You’ll be protected if someone is injured while visiting your St. Augustine, FL residence. If you are a business owner, you’ll also be protected if you are in a serious liability issue that threatens your assets. While you are researching policies, avoid some of these common umbrella insurance myths.

Umbrella Insurance Stands Alone

This is incorrect. Umbrella insurance functions as a secondary policy. The coverage is not designed to take the place of a home, auto, or commercial policy.

I Don’t Need Coverage Because My Assets Aren’t Valuable

Umbrella insurance doesn’t simply protect people with luxury assets. Everything that you own has some type of value. If someone gets seriously injured at your home, you could potentially be faced with expensive litigation. However, umbrella insurance provides a safety net.

Umbrella Insurance Policies Are Too Complex

The process of finding the right umbrella insurance policy can be complicated at times. However, the primary objective is to add coverage to protect your investments. If you are involved in an auto accident you cause serious property damage, you can rely on your umbrella coverage to back up your traditional auto insurance policy.

Tim Huber Insurance Will You Protect Your Investment

Visit our website today to learn more information about umbrella insurance.

The St. Augustine, FL area continues to be a great place for anyone to move to and purchase a home. Those that are in this area will love the warm weather and access to local beaches. While there are a lot of advantages that come with living here, there are some risks as well. One risk that people in this area have is the risk of their home being damaged by the flood. Fortunately, you can protect against this risk with flood insurance. This type of coverage offers several benefits. 

Coverage for Property

One of the advantages that comes with a flood insurance policy is you will receive coverage if your property is damaged. If your property is ever damaged by floodwaters, the costs to remediate can be extremely significant. When you have a flood insurance policy, you will receive the protection you need to cover this damage. 

Loan Compliance

Another advantage of getting flood insurance for your property in Florida is that it can help you achieve loan compliance. When you get a mortgage, you will need to comply with all lender requirements. If your home is located in a flood zone, there is a good chance the lender will require that you protect it with flood insurance. 

In the St. Augustine, FL area, there continues to be a risk that your home could be affected by a flood. If this is the case for you, it is important that you speak with someone that you can trust about your flood insurance needs. The insurance professionals at Tim Huber Insurance should be the first group that you call. The team at Tim Huber Insurance understands the value that flood insurance provides and will be able to help you build and choose a new policy. 

Florida boat owners are not required to carry insurance or have a special license to operate their boats in the state; however, you will need to have a safety identification card, active registration, and have titled your boat with Florida. Additionally, while state law does not stipulate that you need insurance if you financed your boat then the lender may require that you have coverage to protect their investment. With that said, boat insurance is highly recommended – particularly in Florida – given the number of boats on the water, the high risk of hurricanes and other storms, and the high cost of repairs.

Given the expense associated with owning and operating a boat, having insurance is an excellent source for peace of mind. Generally speaking, a boat insurance policy will offer coverage for damage to the boat or personal property that is on board (minus your deductible), liability coverage for damage to another person or their property, medical payments, uninsured boat owners coverage, and towing coverage if you become stranded and need to be towed to a marina. When shopping for boat insurance coverage, it is important to know that most policies are limited to specific territories which means that if you take your boat outside of Florida waterways you may not be covered unless you have prior approval.

If you are in need of boat insurance coverage in Florida, look no further than the talented and professional team at Tim Huber Insurance. Conveniently located in St. Augustine, FL, our knowledgeable insurance professionals are ready to assist in finding your boat insurance that exceeds all your needs. Give us a call today to schedule a no-obligation consultation and learn how we can help you safeguard your investment while keeping your family and friends safe while using the boat. 

People that live in the St. Augustine, FL area should consider purchasing their home. One great housing option to consider would be to purchase a condo. When you get a condo, you are going to have a property that offers you a lot of comfort and security while minimizing your maintenance obligations. If you do purchase a condo, you should carefully consider your insurance needs. There are several situations when having condo insurance will be a requirement. 

When Taking Out a Loan

One situation when you will need to get condo insurance is when you are going to take out a loan. Similar to if you purchase any other property or major asset and finance it, the bank will want to ensure that the underlying collateral is protected. If you get a condo insurance policy, it will ensure you will have the ability to repair or replace your condo or use the insurance proceeds to pay off the loan. 

When in an Association

You will also need condo insurance if you are in a community that has a condo association. Most condos in this area of Florida are going to require you to carry insurance at all times. The bylaws will have rules that govern the level of coverage that you need to have. 

It is almost always required for someone in the St. Augustine, FL area to get condo insurance. If you are going to get a condo insurance policy here, you should speak with the insurance team at Tim Huber Insurance. When you call Tim Huber Insurance, you can get the support that you need to pick a policy. This will help to ensure that you pick a policy that keeps you in compliance with all obligations and properly protects your asset. 

With so many options for life insurance, it can be a bit like a puzzle to find the perfect policy for you. When making such an important decision, here are some tips on how to choose the right life insurance policy and make sense of your options. 

Term Life Insurance

Unlike permanent life insurance, term life insurance is only valid for a specific period of time. Consequently, term life insurance is a great option if you know that you need life insurance for a certain period of time. For instance, let’s say that you just had a baby and want to ensure that there is enough money for your child to go to college if you pass away before that occurs. In this scenario, you might consider purchasing a 20-year term life policy because this will take the coverage period to right about the age that your child enters college. 

Permanent Life Insurance

Offering coverage for as long as you live, permanent life insurance is more expensive than term but you only need to qualify once meaning that only one medical exam – at the time of policy initiation is needed – so you don’t run the risk of being disqualified at a later point in life because of a medical condition. Another benefit of permanent life insurance is that it allows you to accumulate a savings fund that increases on a tax-deferred basis and can be borrowed against for a myriad of reasons if needed. 

When it comes to knowing life insurance, you need trusted professionals to help you make an informed and educated decision. At Tim Huber Insurance in St. Augustine, FL our friendly and knowledgeable team is ready to discuss your options and help you find the right policy for your needs. 

Living in the St. Augustine, FL area is a dream for many people. With access to the ocean and beaches, it can be a great place to live. While there are plenty of great advantages that come with living in this area of Florida, there are risks as well. For property owners, finding a way to mitigate the risk of flood damage is very important. One way to do this is by getting flood insurance. There are several situations when you will need to have flood insurance in Florida. 

When Required by Lender

One of the most common reasons why someone will get a flood insurance policy in Florida is because it will be required by their mortgage lender. If you purchase a home in Florida and it is located in a high-risk flood zone, your lender will want to make sure you have the appropriate insurance in place to protect their collateral. 

When Concerned About Flood Risk

Even if you do not have a requirement by a lender to get flood insurance, you should still get coverage if you are concerned about the risk of flooding in your area. A flood insurance policy can provide you with ample coverage to restore your property if it is damaged. This could prove to be a very valuable investment. 

Ultimately, choosing a new flood insurance policy for your St. Augustine, FL home is very important. When you are looking for a new policy, you should reach out to the team at Tim Huber Insurance. The insurance professionals at Tim Huber Insurance can help you to better understand all of your obligations when it comes to insuring your home. They can then help you to choose a flood insurance policy that offers the best coverage possible.

Those that live in the state of Florida and want to start a small business will find that this state offers an incredible amount of opportunities. If you are going to start a company here, you could do quite well as long as you take the proper precautions to protect your company. One of the best ways that you can do this is by getting a commercial insurance policy. There are several reasons why a St. Augustine, FL business owner should invest in this insurance coverage.

Ensures Proper Liability Coverage

One of the advantages that come with investing in a commercial insurance policy is that it will ensure you receive proper liability insurance coverage. A business owner of any kind is going to take on liability risk very frequently. To ensure that you and your company are properly covered, you should get a commercial insurance policy as it will include liability insurance protection.

Gives Coverage for Assets

A commercial insurance policy will also give you coverage to protect your assets. Business owners will need to invest a lot in company assets to get the company off the ground. When you get insurance for your business, you will receive coverage for these assets. 

When you are going to get a St. Augustine, FL commercial insurance policy, it is important to fully understand your needs and options. Due to the complexities that come with picking a policy, you should reach out to the team at Tim Huber Insurance. When you speak with Tim Huber Insurance to discuss your insurance needs and options, you will learn a lot more about how you can protect your company. This will ensure you are able to choose a policy that protects your company as well as possible. 

Driving a classic car even for short distances in St. Augustine, FL without insurance is illegal and risky. You may be thinking it’s okay to put your classic car on your regular auto insurance policy but that’s also not a good idea. The best thing you can do to get the right coverage is to get a specific classic car insurance policy from Tim Huber Insurance.

You need special coverage to protect your classic car and an ordinary policy won’t provide that for you. A well-maintained classic car will often appreciate in value, while a standard insurance policy assumes that a car will depreciate over time.

Your classic car insurance policy should include liability, collision, and comprehensive coverage. Liability insurance will be required if you want to drive on state roads. With comprehensive and collision, you are covered in the event of an accident and your insurance will pay for your valuable car. The insurer will work with you in St. Augustine, FL and discuss an agreed value based on the appraised market value or auction prices for cars similar to yours. There are other add-ons to your policy that you may want to consider depending on how you use your classic car. If you visit a lot of auto shows, you may want to get insurance for this that will cover your vehicle, whether or not you are actually present with your vehicle. You can also get insurance to cover towing should your classic car break down away from home.

Even though you will be getting higher coverage, your classic car insurance isn’t likely to cost you more than regular insurance. The policies do have some restrictions. You may be limited on how much you can drive your classic car and you will have to make sure it’s stored in a secured garage.

Contact Tim Huber Insurance to get a quote on classic car insurance.

As beautiful as St. Augustine, FL may be, sometimes you just want to head out for a trip in the wild. If you’re considering buying something for those long camping trips, you may be wondering what the difference is between a motorhome and a camper.

What it really comes down to, as far as the law is concerned, and as far as an insurer like Tim Huber insurance is concerned, is the engine.

If you pull it, it’s a trailer, and you don’t need to insure it unless you want to.

If it has a motor in it, it’s a motorhome. It’s really as simple as that.

Which One Is Right For You?

If you’re just looking for something you won’t have to insure, there you go. But of course, there’s a lot more that goes into the decision than that. One major point to consider here is the size of the camper.

A camper is going to be somewhat restricted in terms of size. It needs to be small enough that you can pull it with a standard-sized vehicle, which means that it’s not going to be as roomy as some of the larger RVs available. This might not be a big deal if you travel light, but if you’re hoping for a full bathroom-and-kitchen setup, you might be somewhat limited. You’ll also want to consider that motorhomes are built to pull all that extra weight, your car might not be.

If you’ve selected a vehicle to spend your summers away from St. Augustine, FL in, Tim Huber Insurance can get you set up with a policy to protect your motorhome and everything in it. Give them a call and see what they have for you.