What are the Florida Boat & Personal Watercraft Insurance Coverage Options?
Boat and Personal Watercraft (PWC) Insurance policies can vary widely from company to company. Don’t trust that your homeowner’s policy will cover your needs. Typically your homeowners policy only offers limited coverage and won’t protect you from total loss or injuries and accidents that occur on …
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What are my antique, collector and classic car insurance coverage options in Florida?
Carpenter Insurance works with top collector car insurance carriers to bring Florida Panhandle classic car enthusiasts and antique car collectors individualized classic car insurance options at the lowest possible price. Collector Car Insurance Coverage Options Standard Auto Insurance Coverage – If you are planning on …
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Do I and my vehicle qualify for Florida classic car insurance?
Because classic and antique car insurance carriers are working hard to keep premiums low for classic car enthusiasts, they do need to put restrictions on which vehicles and drivers they will cover. What types of classic cars may be covered? What vehicles’s typically are not …
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What does the Florida insurance term “Agreed Value” mean and why is it important for classic car owners?
In the classic car insurance world, the difference between “agreed value” and “stated value” can mean everything. An agreed value police guarantees the policy will pay a previously agreed upon price in the event of a total vehicle loss – with no depreciation, negotiation or …
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What are the differences between classic car insurance and regular auto insurance in Florida?
Classic car insurance, also called collector or antique auto insurance, is a lower cost alternative to regular auto insurance designed solely for the special needs of the car collector. The classic car policy can cover the usual risks of loss, such as fire, collision, theft …
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How do I choose the best deductibles for my Florida auto insurance?
Selecting the best car insurance deductible depends on a number of key factors. You will need to consider everything from your driving history, your current financial situation, the value of your vehicle(s), and if you can afford to wait to fix a car that has …
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What are my Florida motorcycle insurance coverage options?
Carpenter Insurance works with several top motorcycle insurance companies to help ensure we can offer you the coverage you want and need at the very best possible price. Our motorcycle insurance experts will work with you to design a policy that provides you with the …
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What Florida motorcycle insurance discounts are available?
Many of the motorcycle insurance companies we work with at Carpenter Insurance provide money-saving discounts to help make the cost of motorcycle insurance a little cheaper. When you work with one of our motorcycle insurance experts, we will analyze your individual needs and situation and …
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What types of motorcycles does Florida motorcycle insurance cover?
With so many different policies available, choosing the right motorcycle insurance can be challenging. At Carpenter Insurance, our agents are experts at helping you design a policy that meets your financial needs and protects you and your bike. Not all companies will cover all types …
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Do you offer Florida motorcycle insurance that covers my bike customization & accessories?
When you purchase Comprehensive or Collision coverage, at least $1,000 of Custom Parts and Equipment (CPE)/Accessory coverage is included in most states. Additional CPE coverage can be purchased to cover equipment, up to $30,000 in value. CPE covers equipment, devices, accessories, enhancements and changes, other …
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What does it mean when people say Florida is a “no fault” auto insurance state?
Florida is different than most states in the USA when it comes to car insurance. There are 2 compulsory types of insurances that you have to get: one is of minimum $10,000 and is called Personal Injury Protection (PIP) and the other is also of …
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What are my Florida auto insurance coverage options?
Choosing your auto insurance policy means choosing from a wide range of coverage’s that protect you, your family and your vehicle. The State of Florida is a “No Fault” insurance state and does have mandatory minimum coverage requirements. Be sure to check out our articles …
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What Florida auto insurance discounts are available?
Most of the auto insurance companies we represent at Carpenter Insurance have discounts available that may reduce your premiums by 20% or more. These discounts vary by company and our agents are experts and analyzing your situation and recommending the company that meets your coverage …
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What are the Florida SR-22 & FR-44 Financial Responsibility auto insurance requirements?
In Florida, you may be required to purchase additional car insurance above the Florida state minimums if you have been in a car accident or you have had certain traffic violation convictions. SR-22 in Florida Certain incidents or violations may require you to carry an SR-22 certification, …
Read MoreWhat are the Florida minimum auto insurance coverage requirements?
Florida law requires residents of FL to have car insurance. You must purchase the minimum coverage amounts for both personal injury protection (PIP) insurance and property damage liability (PDL) car insurance. Luckily, Florida offsets this coverage requirement by offering some of the lowest car insurance …
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