Does Auto Insurance Cover Upgrades and Cosmetic Repairs?

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When our team at Abney Insurance speaks with car owners in Winter Garden, FL, we hear from folks who have all sorts of cars. From classic cars to modified vehicles, we know how important it is to have coverage that serves your needs not only as a vehicle owner but as someone who owns your specific kind of automobile. Sometimes, you may have a car or other vehicle in your garage that doesn’t fit the standard auto insurance coverage. 

Alternatively, you might have questions about whether your current policy has the level of coverage you need to meet your goals as a car owner such as making modifications or repairs that alter the function or style of your car. In these cases, it pays to speak with an agent at our office to determine what policies might be available to fit your preferences. Until you do that, we can only provide general guidance about what auto insurance policies may cover without going into detail about what your policy in particular can offer.

Does Auto Insurance Cover Upgrades and Cosmetic Repairs?

When you want to upgrade or repair your vehicle for purely aesthetic reasons, a typical auto insurance policy will probably not be able to help you cover those costs. Sometimes, when you modify a vehicle, it makes it ineligible for standard auto insurance coverage. The good news is that there are policies that might be more appropriate in that case to use like classic car insurance. Classic car insurance may be a better fit if you have a modified vehicle. Custom vehicle insurance may also be a good option if you modify your car with custom paintwork or other unique modifications.

For more information, call Abney Insurance in Winter Garden, FL!

How many kinds of commercial insurance do I need for my small business?

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What kind of insurance your small business needs depends on several factors such as what you do, whether you have employees, and whether you provide a product or a service. Abney Insurance can help you figure out which protections your Winter Garden, FL small business needs.

Commercial Insurance Coverage Options

We will talk to you first about a Business Owner’s Policy(BOP). A BOP combines multiple kinds of insurance in one policy. When you bundle insurance, you can save money and make the entire process smoother.

General liability insurance is vital for a small business. It provides coverage against financial loss when someone claims property damage or physical injury from your business.

Commercial property insurance will protect your building and much of what you keep in it from fire, smoke, vandalism, and other listed events.

Product liability insurance will protect you if one of the products you make injures someone.

Professional liability insurance (also known as Errors & Omissions Coverage) will protect you if someone makes a claim against you because of the services you provide as a licensed professional. This type of coverage is important for medical and legal professionals, accountants, contractors, and other individuals who depend on their licenses.

The federal government requires every business with employees to protect them. You will need workers’ compensation, unemployment, and disability insurance to protect your workers.

Temporary business closure insurance can help you pay the bills when your business is closed through no fault of your own.

If you work from a home base, you may need home-based business insurance. This will protect your equipment and other assets in your home. 

Schedule A Consultation Today

If you have a small business in Winter Garden, FL, you need protection from all the things that could happen. Call Abney Insurance today so we can help you create an individualized policy.

4 Tips to Back Up a Home Insurance Claim

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When you have home insurance, it’s a relief knowing that damage or loss to your home is covered. Filing a claim is easy when you work with your insurance representative at Abney Insurance serving Winter Garden, FL. Still, you can make the process of filing a home insurance claim even easier with these four tips for backing up your claim.

4 Tips to Back Up a Home Insurance Claim

1. Submit Receipts

Your insurance provider will want to give you accurate compensation for your loss or damage. Submitting original purchase receipts with your claim establishes value. Whenever you purchase anything that’s covered by your home insurance, keep the receipt. One great way to do this is to photograph the original receipt and file it in a dedicated folder on your PC or cloud storage folder.

2. Document With Photos

It’s helpful if you can submit photos that prove ownership, damage, or loss, too. For instance, when you have a kitchen remodel, photograph the new space, including sink fixtures, appliances, tile, and so on. Then, if something happens years later, you’ll have these photos available to show the original condition of your home.

3. Obtain 3rd Party Reports

If a loss included a burglary or something similar, be sure to get a copy of the police report. Submit this with your claim to help establish the details of the loss and a 3rd party’s objective backup.

4. Know Your Policy

When you get your home insurance policy, read through it carefully so you understand your coverage. You may have coverage for more than you realize. Also, the policy will explain in detail how to submit a claim and what to expect.

For more information and support for filing a home insurance claim, contact Abney Insurance serving Winter Garden, FL. We’re here to help.

What Is Umbrella Insurance?

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If you own a home and a vehicle, you likely already have a home policy and an auto policy. These are needed for many reasons, and each offers several different kinds of protection. One of these types is liability coverage. Getting more liability coverage is necessary for many people, and it’s as easy as getting an umbrella policy. If you’re interested in getting an umbrella policy, call us at All-Tex Insurance in Granbury, TX.

More Liability Coverage

The liability coverage that you have in your home and auto policies is there to protect you financially in case someone else is injured in an accident. However, you may not have much of this coverage in those policies. When you want more, it may seem like a good idea to add more directly to each of these policies. However, this can be highly expensive. A much less expensive option is to get an umbrella policy. These come with reasonable prices and add an enormous amount of liability coverage onto both of those policies at once. Not only do you get more peace of mind from having better coverage, but you also save money. 

Paying the Overage

When you have home and auto insurance, the appropriate policy will pay out after an accident to take care of expenses like medical bills for the injured party. However, when your liability coverage maxes out, it won’t pay anymore – even if there are still medical bills owed. That’s where your umbrella policy would come in. It would take those overages and pay them so you don’t have to pay them out of pocket. It comes with extremely high maximum payouts so a serious accident can be paid for. 

Get an Umbrella Policy

When you want more liability coverage through an umbrella policy, call us at All-Tex Insurance in Granbury, TX. 

Is Auto Insurance Required in Florida?

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Our auto insurance agents at Abney Insurance serving the Winter Garden, FL area want you and your vehicle to be adequately protected before you hit the streets. The best way to do this is to have an auto insurance policy that works well for you and your situation.

Is Auto Insurance Required in Florida?

Yes, auto insurance is required in Florida as it is in most of the 50 states across the country. Florida law mandates that all drivers maintain a minimum amount of auto liability insurance coverage to legally operate a vehicle. The minimum coverage includes personal injury protection (PIP) with a minimum of $10,000 in medical benefits and $10,000 in property damage liability (PDL).

This type of coverage is imperative to have in place since it will protect you and your passengers as well as other drivers on the road in the event of an accident. If you do not have at least the minimum amount of auto insurance in place, you can end up with penalties, such as fines, as well as a driver’s license suspension and even vehicle impoundment.

Auto Insurance Coverage Options

Uninsured and Underinsured Motorist Coverage

This type of insurance will come in handy if you are ever involved in an accident with a driver who has no insurance or does not have enough to cover the damages to your vehicle and injuries to you and your passengers.

Comprehensive Insurance

Comprehensive insurance is very important to have in place, especially if you still owe money for your vehicle. This is because it will help you repair or replace your car, truck, or SUV if your vehicle is damaged by a natural disaster, and act of vandalism, or a fire. It can also help you replace your vehicle if it is stolen.

Collision Insurance

This type of insurance may also be required by a lender if you still owe money on your vehicle since it will help repair your vehicle if you collide with another vehicle or a stationary object.

Contact Us Today

To create the best auto insurance policy for you and your vehicle, you can contact the experienced and trustworthy auto insurance agents at Abney Insurance serving the Winter Garden, FL area today!

Essential insurance policies every business owner should have

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Every business owner here in the Winter Garden, FL area should prioritize the safety of their company and the security of their employees. One of the best ways to do this is by investing in essential insurance policies from us at Abney Insurance that help protect the business from costly liabilities.

Here are some of the most important insurance policies for business owners to consider: 

1. Commercial Property Insurance:

Protects your business from losses due to fire, theft, and vandalism. It also covers damages caused by natural disasters such as floods and earthquakes. 

2. General Liability Insurance:

Covers your business if a third party sues you for property damage or bodily injury. It also protects against financial losses related to advertising errors and product recalls. 

3. Professional Liability Insurance (Errors and Omissions):

These policies cover legal costs if you are accused of negligence or mistakes in the professional services you provide. This includes malpractice, copyright infringement, or other errors and omissions related to your professional services. 

4. Commercial Auto Insurance:

If you use cars or trucks for business purposes, this insurance policy helps cover costs associated with accidents, injuries, property damage, medical bills, and more resulting from a car accident involving one of your vehicles. 

5. Workers’ Compensation Insurance:

This coverage pays for medical expenses if an employee becomes ill or injured while working on behalf of your company. It also covers lost wages and salary reimbursements while they are unable to work due to their illness or injury. 

Reach Out To Us

For more information, give us at Abney Insurance a call today. We serve the Winter Garden, FL with pride and would be happy to help you put together the right portfolio of coverage to ensure your business is protected.

Are Broken Windows Covered By Home Insurance Policies?

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The windows in your home can get damaged in a number of different ways. A child throwing a ball can hit the window, a rock can fly up and damage the window, or a potential thief can break the window attempting to break into your home. One of the questions that we at Abney Insurance, serving the greater Winter Garden, FL area, are often asked is whether broken windows are covered by home insurance policies. 

Are Broken Windows Covered By Home Insurance Policies?

Whether or not broken windows are covered by a home insurance policy depends on the specifics of the policy and the cause of the damage. In general, most standard home insurance policies provide coverage for broken windows if the damage is the result of a covered peril, such as a storm, vandalism, or a fallen tree limb.

However, if the window is broken due to wear and tear, neglect, or intentional damage, it may not be covered under the policy. Additionally, if the damage is caused by a flood or earthquake, which are typically excluded from standard home insurance policies, the broken window may not be covered.

Reach Out To Us!

Broken or damaged windows may be covered by home insurance policies if the window is broken or damaged by a covered event. Here at Abney Insurance, serving the greater Winter Garden, FL region, we are committed to helping you to understand your policy and what is and is not covered. If you have any questions about an existing policy or are looking to purchase a new home insurance policy, our team would love the opportunity to help you. Call us today to get started.

What to do after a traffic accident in Florida

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There’s nothing more frightening than being involved in a traffic accident. One minute you’re driving along, and the next, you’re in a car crash. The aftermath of an accident can be overwhelming, leaving you feeling disoriented and unsure of what to do next. If you find yourself in this situation, don’t panic. Abney Insurance recommends these steps to take after a traffic accident in Winter Garden, FL.

Traffic Accident: Next Steps

1. Check for Injuries

The first step after an accident is to check yourself and your passengers for injuries. If anyone is injured, call 911 immediately. Even if you feel fine, it’s still a good idea to see a doctor, as some injuries may not be immediately apparent.

2. Move to a Safe Location

If possible, move your vehicle to the side of the road to a safe location. This helps to prevent further accidents from occurring. Turn on your hazard lights, and use cones or flares to alert other drivers of the accident scene.

3. Exchange Information

After ensuring the safety of all involved, they exchange the necessary information with the other driver. Be sure to take note of their contact information, license plate number, insurance information, and driver’s license information. Photographic evidence of the accident scene and damage can also be helpful. Other information that may be exchanged includes any witnesses’ names, addresses, and phone numbers.

4. Report the Accident

Florida state law requires all accidents to be reported to the police if anyone is injured or property damage exceeds $500. Call 911. The officer will file a report, which your insurance company will need to process your claim.

Give Us A Call

Contact Abney Insurance once you are back in a safe place. We’re here to help our customers in Winter Garden, FL.

What are some reasons to get commercial insurance for my Florida business?

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The Winter Garden, FL area has continued to be a good area to be a business owner. When you are an owner of a business here, you will be happy to know there is a good local economy and support for businesses of all sizes. As you are looking to start or improve a business here, you need to ensure you have the right insurance.

There are many good reasons to have commercial coverage:

Protect Your Business

A great reason for anyone to have a commercial insurance plan is so you can protect your business. A quality commercial insurance policy will give you liability coverage and can protect any assets that are owned by your business. Ultimately, this can make it the best way for you to mitigate various risks that could result in a loss and financial setback, which can help to keep your business afloat during otherwise difficult times. 

Meet Standards and Requirements

It is also a good idea to get a commercial insurance plan so you can meet the standards and requirements set for your business. Most business owners will have various insurance needs. This can include having requirements set by lenders and investors, requirements for worker’s compensation, and various other requirements. When you are properly covered with your commercial plan, it will ensure you remain in good standing with such obligations. 

Give Us A Call

As you are looking for a new commercial insurance plan in the Winter Garden, FL area, it would be a good idea to call our team with Abney Insurance. There are many great reasons to get this coverage, and our professionals with Abney Insurance will help you build your next plan. This can offer all of the support you need to properly protect your organization. 

Creating and storing a home inventory

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Home insurance protects your largest investment from a great many of the hazards that can befall it. While coinsurance covers everything, it can give you confidence your home is as safe as possible. At Abney Insurance, serving the greater Winter Garden, FL region, we are independent insurance agents and our team has the knowledge you require to make the correct choice when it comes to home insurance. 

Why create a home inventory?

If you ever need to file a claim for damages to your home, having an inventory can greatly facilitate the resolution of your claim. Your inventory will provide the information you need to tell what was lost. 

You can create a home inventory by using a pad and a pen. You will also need to bring along a camera or a cell phone. Begin in the room of your choice and list all the items in the room. Open any drawers or closets and make a list of what is inside. Give as much detail as possible, including make and model, and any serial numbers there may be. Take pictures of the room from a variety of angles. 

Do this for every room in your home. If you have any expensive items, it is worth getting an appraisal. Attach any receipts you may have to back up the information you have. Don’t forget to go up to the attic and into the basement. You want your list as complete as possible. Attach the correct photos. 

Now comes the important part; storing your inventory. You want it to survive anything that might happen. It is best stored away from your home. One of the safest things you can do is to make sure your inventory is available on the cloud where it is sure to survive.  

Reach Out To Us

Contact Abney Insurance in Winter Garden, FL if you have home insurance needs or questions. 

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