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13510 A Hutchison Blvd
Panama City Beach, FL 32407

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Florida Insurance Blog

Auto Insurance Guide To Help Florida Residents Find Coverage

Hall Insurance offers coverage to Panama City Beach, FL residents. We are committed to helping our clients find policies that align with their lifestyles. We proudly serve the community as an independent agency. We are confident that we can help you find the right coverage to meet life’s demands.

Auto Insurance Guide

Auto insurance helps you stay safe on the road as you travel around the Panama City Beach FL community and beyond. The policy covers you if you collide with another object and damages occur. You are also covered if one of your passengers suffers an injury.

Comprehensive coverage protects you if you are a victim of theft. You are also protected if your car is damaged by a fire or hurricane. Comprehensive coverage will protect you in unpredictable situations. You can add coverage to protect you if your vehicle suffers engine failure, and you need urgent service.

Liability coverage is another important part of your policy. You are covered if you are ruled to be at fault for the damages caused in an accident or if somebody got hurt. This helps protect your assets and prevents you from facing legal action. You should also consider looking into uninsured motorist coverage. Uninsured motorist coverage will protect you if you are injured or your vehicle is damaged by someone who does not have insurance.

While researching coverage, you have to weigh multiple factors, including the make of your vehicle and how often you plan to drive it. If you plan to customize parts of your vehicle, you’ll have to amend your policy in order to fully cover those parts if they are damaged.

Hall Insurance Will Help You Protect Your Assets

Visit our website to learn more information about auto insurance.

Difference Between Liability Options

As a business owner, having liability coverage is not a requirement, but it does come highly recommended. When selecting general liability and professional liability for commercial insurance, it is important to know the difference between the two and if it is right for your Florida business.

General Liability

Outlined to cover the majority of your liability cases, your general liability is directed at protecting when you are sued by a third party such as customers, public patrons, or former employees. There is coverage available for bodily injury, medical expenses, and property damage that may have been caused by your business to their personal property. In essence, general liability focuses on direct physical damage either to the body or property that is owned by someone other than the business. 

Professional Liability

There are some areas that general liability does not cover, and that is damages caused by professional services. Also known as errors and omissions, professional liability is meant to provide protection if you are sued for a different type of damage. Businesses that offer consulting services and accounting fees can be sued if the service provided had errors when they were provided to the client. If that client suffered a financial loss as a result of these errors, and it can be proven, you could be found liable to repay the loss. These errors could be promises that were not fulfilled by your employee, negligence, or other documented errors that had an adverse effect. 

Contact An Agent For The Right Policy

If you are not sure which type of liability insurance your business needs, our agents at Hall Insurance is happy to assist our Panama City Beach, FL business owners. Contact us today to see which policy you qualify for and to get your personalized quote. 

Tips to Keep Your Florida Roof Safe

One of the most expensive home repairs you can get on your Florida home is replacing the roof. Since Panama City Beach, FL experiences mild to warm weather all year, the damage from the sun can be extensive if not maintained. With the right maintenance practices throughout the year, you can maximize the longevity of your roof and keep the rest of your home safe from leaks and water damage. 

Inspect Your Roof Twice

Since snow and ice are not as common as the heat in Florida, you want to give your roof a thorough inspection during the Spring before the weather gets too warm and again in December after hurricane season. Most roof damage comes from the heat damaging shingles, or too much wind and rain from the recent hurricane season. 

Replace Missing or Damaged Shingles

If you find that you are missing several shingles during your inspection, or the heat has destroyed some, you need to have them replaced right away, even if it is just a handful of shingles. It only takes a small area to allow water into your home and cause mold and mildew.

Have It Waterproofed

Roofers in Florida offer a waterproofing service to homes before the summer heat set in so that the damage is minimal to your roof and the chance of collapse is heavily reduced. Too much moisture mixed with heat in Florida can cause a roof to collapse in the middle of the summer. 

Clean Your Drains and Gutters

When you do your biannual inspection on your roof, you need to clean out any build-up from leaves and debris in your drains and gutters. If they become clogged, they will allow water to sit and that can back up onto your roof, causing further damage. 

Are you looking for a new home insurance policy? Contact our agents at Hall Insurance today for your personal quote. 


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