Homeowners insurance provides you with financial protection against disasters. A typical homeowners policy will insure the home’s structure, and the contents inside it.

Homeowners Insurance covers damage to your property and provides liability protection. If injuries occur on your property that you are legally liable for, you homeowners coverage will protect you. Additionally, coverage extends to include property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by disasters is also included in a standard homeowners policy. Floods, earthquakes, and poor maintenance often cause damage that would be covered under your homeowners insurance. But if you are looking for additional protection, you will need to purchase separate policies for flood and earthquake coverage.

A basic homeowners insurance policy typically includes the following four types of coverage:

• Coverage for the structure of your home.
• Coverage for your personal belongings.
• Liability protection.
• Additional living expenses in the event you are temporarily unable to live in your home because of a fire or other insured disaster.

If you want to learn more about your homeowners options, give Emerald Coast Insurance Solutions a call at 850.XXX.XXXX or fill out our contact form. Our friendly agents will give you a free homeowners quote that could help you save big. And to save up to 30%- think about combining your auto and homeowners policies with Brown Insurance.

Insuring your car will protect you from financial loss if you are ever involved in an auto accident. An auto insurance policy is essentially an agreement between yourself and your insurer that provides you with property, liability and medical coverage.

Although many people opt for minimum liability coverage, an auto policy may insure any of the following protections:

• Bodily Injury Liability

  Bodily injury liability covers the designated driver or policy holder if they are injured in an auto accident or if they cause injury to others. If you have family members listed on your policy, they are also covered if driving another person’s vehicle with their permission. If you opt for the minimum liability coverage, the amount you purchase may not completely cover you if you are involved in a serious accident or are served with a lawsuit. Buying more than the state required minimum will protect your assets – your home, boat, and savings- if you get into an accident.

• Medical Payments

  Medical payments (or personal injury protection plans) pay for the care of injuries to the driver and passengers of the policyholder’s car in the event of an accident. Depending on the amount of coverage you choose, medical payments coverage can cover medical costs, lost wages, and possible funeral costs.

• Property Damage Liability

  Property damage liability coverage covers the damage you, or someone driving your car with your permission, does to another person’s property. Usually, this includes damage to lamp posts, telephone poles, buildings, fences, or other structures you may hit.

• Collision

  Collision coverage covers damage that to your car that results from a collision with another vehicle or object. This type of coverage also covers your car against damage from potholes, or if it flips over. You can choose a relatively low deductable or a high one- but keep in mind that a higher deductable will result in a lower premium.

• Comprehensive

  If you car is stolen or is damaged by something other than a collision with another car or object (i.e. fire, falling objects, missiles, explosions, hail, vandalism, etc.). Comprehensive insurance will also reimburse you if your windshield is cracked or shattered. Some companies offer glass coverage with or without a deductible.

• Uninsured and Underinsured Motorist Coverage

  If you are hit by an uninsured driver, or are the victim of a hit and run accident, this type of coverage will reimburse you, a member of your family, or a designated driver. Underinsured motorist coverage is used when an at-fault driver does not have enough insurance to pay for the costs to repair your vehicle. This coverage can also come into play if you are hit as a pedestrian.

If you are looking into purchasing an auto insurance policy,Emerald Coast Insurance Solutions is happy to help. Contact us today for more information, or to get a free auto insurance quote. Even better- by combining your auto and homeowners insurance with Emerald Coast Insurance Solutions, you can save up to 30%!

Many insurance agencies can offer the following business insurance coverage:

• Business Owners Policies
• Worker’s Compensation
• General Liability
• Errors & Omissions
• Commercial Auto
• Commercial Property
• Professional Liability
• And much more…

A business is a huge investment; do not leave it to chance by having inadequate insurance coverage. Berry Insurance Agency, Inc. is a business too, so we understand the importance of comprehensive coverage. We offer many options for business insurance, no matter how big or small your business may be. Contact us today and fill out our free business insurance quote form!

When you’re out on the waterways, there’s always a chance that something might go wrong. We hope it doesn’t, but the most important thing you can do is make sure you’re covered if it does.

Medical Payments Coverage

Medical coverage typically helps take care of eligible medical expenses as defined in your policy. The limit you choose for this coverage will decide how much coverage you will have.

Physical Damage Coverage

When something goes wrong, good boat insurance coverage can mean all the difference in the world. It can be the difference between sinking and surviving. This optional coverage is typically designed to take care of your boat, motor, and trailer all the time. Our agents will help you determine the right amount of physical damage coverage for each boat on your policy. You will also need to choose a deductible, the amount you would pay on a claim before your policy kicks in.

Liability Coverage

If you’re involved in an accident, there’s a good chance another person or another watercraft is involved. And if you’re at fault, you’ll need liability coverage. Unfortunately, sometimes it only takes a minute to turn a good day into a bad one. And when the unexpected happens, liability coverage typically makes a big difference. It’s an important part of your watercraft policy.

If you plan to spend time on the water, you need to plan for the unexpected. Enjoy your time on the boat, but protect what you’ve worked hard to get by including adequate liability coverage. If you or someone else in your household has a boating accident that injures someone else (including a swimmer or water skier) or damages someone else’s watercraft or dock, you’ll feel better knowing that you have coverage in place to help manage the situation. You can choose a lot of liability coverage or a little – it’s up to you. We’ll show you what coverage and limits may be available and how to get the maximum personalized protection you need. Whether you’re a lifelong boater or just getting started, it’s always a good idea to take a close look at your new or existing marine policy. We can help.

Call one of our agents today to check our competitive rates and eligibility. Our expert agents will be happy to answer your questions and help you design a policy that fits all your needs.

You’ve worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price. Why not get started today and save with a free boat rate quote?

Our RV insurance offers legal and financial protection for a wide range of circumstances. If you are ever involved in an accident, or if your RV is damaged as the result of a fire, vandalism, theft, or other covered situation, Emerald Coast Insurance Solutions can provide you with protection to lessen the blow and get you back on the road as soon as possible. Our RV insurance can also cover you if you get hurt in an accident caused by another vehicle (or your own) and are faced with medical expenses.

Emerald Coast Insurance Solutions is with you as you explore the open road. Whether you’re taking a weekend trip across Florida or going coast to coast, we have the policy to help protect your vehicle. Our recreational vehicle insurance has the coverage options to help meet your needs. Take advantage of our free online recreational vehicle insurance quote today to see how much you can save by choosing Emerald Coast Insurance Solutions.

Dwelling Fire Insurance coverage can protect your rental property from fire damage and yourself from legal and personal liability. With Dwelling Fire Insurance through Acclaim Insurance, you can rent your property out with confidence.

• Dwelling Fire policies cover houses and structures that are NOT occupied by the owner
• A homeowners insurance policy will NOT cover damages to a home that the policy holder is not living in
• Dwelling Fire insurance covers all fixed structures such as the home itself, the foundation, cabinets, walls, countertops, etc.
• Most dwelling fire policies DO NOT cover personal property because the policy holder is not an occupant of the home
• Dwelling fire policies can be written for other structures on the property also such as sheds, unattached garages, barns, pagodas, greenhouses
• If a fire leaves your rental home inhabitable, a dwelling fire policy will cover up to a year’s rent for the vacancy

Emerald Coast Insurance Solutions will shop the top carriers in the country to find you a dwelling fire policy that is both affordable and reliable.

Whether you’re a weekend warrior, a casual rider, or a hardcore motorcyclist, our motorcycle policy offers protection for you, your bike, and your accessories. Our policy is designed to meet the personal and financial needs of most motorcycle owners.

All you need to do is choose the type of coverage and deductibles that best cover your motorcycle and your lifestyle, and we’ll do the rest. We offer competitive prices plus convenient payment plans, and we’ll place your coverage with a company that has the financial stability to be there when you need them the most. We hope you never have a bad day, but if you do, our motorcycle insurance coverage is designed to help turn a very bad day around.

And no doubt you’ll qualify for some of our discounts that will make your motorcycle insurance premiums even lower. We want you to enjoy your ride with the peace of mind that comes from knowing that you’re covered.

You may qualify for a number of discounts including:

• Insuring more than one motorcycle
• Mature riders
• Renewals
• Credit for qualified safety courses
• Multi-policies with our company

Discounts that could significantly lower your insurance premium aren’t the only reason to place your policy with us. Competitive pricing, customer service, and peace of mind are more reasons to put us to work for you. We’ll help you design a policy to meet your needs as a proud motorcycle owner. We’ll show what coverage may be available and how to get the personalized protection you need.

Even if you’ve been riding for years, it’s a good idea to take a close look at your motorcycle insurance coverage. Things change, times change, and chances are your policy may need to be updated to meet your changing lifestyle.

Is Your Property in Need of Flood Insurance?

For better or for worse, mother nature doesn’t play favorites. Over time, certain areas are more likely to flood than others, but flood damage can happen to anyone.

Flood insurance provides protection for destruction and financial devastation caused by floods. Although it may not seem like much, even a few inches of water can cause serious damage, resulting in thousands of dollars in repair and restoration costs. Homeowners insurance does not typically cover floods. Purchasing a flood insurance policy through Emerald Coast Insurance Solutions can protect you.

Although it may not seem as necessary as homeowners insurance, flood insurance is important if you want to keep your home safe and your possessions secure. Flood coverage offers protection against losses that result from heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, etc.

Different types of policies are available based on your property’s location and flood history:

• Standard Flood Insurance Policies

  If you live in a community that participates in the NFIP, your building and its contents can be covered by a standard flood insurance policy. The National Flood Insurance Program (NFIP) was established by the Federal Government to help communities who “voluntarily participate in the NIFP by adopting and enforcing floodplain management ordinances to reduce future flood damage.” To be considered a flood, the waters must cover at least two acres or affect at least two properties. You must apply for building coverage and contents coverage separately if you choose to invest in a standard flood insurance policy.

• Preferred Risk Policies

  If your home or business is in a low or moderate risk zone, your building may qualify for a low-cost preferred risk policy. While you aren’t required to purchase flood insurance in low-to-moderate risk areas, a preferred risk policy will protect your home and its contents if you are effected by a small flood, or a larger flood that has extended into your low-risk area. In truth, many flood insurance claims occur in low-to-moderate risk areas.

Don’t wait until it’s too late. Contacting Emerald Coast Insurance Solutions today will get you on the path to flood protection with an affordable and comprehensive insurance policy.

Emerald Coast Insurance Solutions offers umbrella coverage that can protect you from added risk, without much added cost. Additional liability insurance is typically not very expensive, especially with the added coverage it provides. Umbrella coverage can protect you from risk at any non-business time, anywhere in the world. Wouldn’t you rest easier knowing that you were thoroughly protected from loss and lawsuits?

You’ve worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price. Why not get started today and save with a free personal umbrella insurance quote?

Why Should You Have Renters Insurance?

While you may not own the home you’re currently in, you value your possessions and want to protect them from any potential hazards. Your rented home holds everything that is important to you – family heirlooms, jewelry, furniture, clothes, computers, and more. Don’t let an incident such as fire, theft or weather damage destroy your important things. Also, keep in mind that most landlords do not cover the belongings of their occupant if a damaging situation occurs.

Often, renters don’t realize that the owner/landlord has insurance for the building, but what’s inside your walls is not covered unless you insure it yourself.

A good renters insurance plan could also protect you in the event that somebody is injured in your apartment and will take effect when finances are needed.

It doesn’t matter if you’re renting an apartment, a condo, or a home – most likely, your landlord’s policy is not going pay for that beautiful plasma TV or any other furniture or personal items in the event of theft, fire, or water damage.

If it’s inside your walls, it’s yours, and you need to protect it. In today’s world, we all tend to accumulate possessions, and the value of contents can add up very quickly. Making sure you have sufficient coverage can help you get back on track a whole lot easier than if you try to go it alone. You’ve worked too hard for what you have to lose it all in moment’s notice. Let us take the risk.  Put Emerald Coast Insurance Solutions to work for you!