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Florida Insurance Blog

Three things you shouldn’t assume regarding condo insurance

Those who live in a condo unit in Panama City Beach, FL should invest in condo insurance coverage. Hall Insurance can meet your condo insurance needs so that you can be confident that you’re financially protected.

When you purchase condo insurance, it’s important that you understand the details of the coverage you’re getting.

The following are three inaccurate assumptions you shouldn’t make about condo insurance coverage:

Your condo association’s insurance coverage will cover you completely for a burst pipe

You cannot assume that you’ll be covered for all expenses resulting from a burst pipe by your condo association’s policy. While your condo association policy may cover you for damage to the walls themselves, you will probably need to have your own condo insurance policy to enjoy coverage for damage to your belongings within your unit. 

You don’t need to purchase any condo insurance on your own if your condo association offers insurance coverage

There are many scenarios in which condo association coverage will not cover you. That’s why you should never rely solely on condo association coverage and should always purchase additional individual coverage. 

A condo insurance policy will cover you for all damage to your possessions in your home

It’s important to pay attention to your policy limits when it comes to coverage for your belongings within your unit. Your policy will only cover you up to the maximum policy limit, so it’s best to consider the value of your belongings when you decide on how much coverage you want for personal possessions. 

Contact Us Today

Are you interested in getting a quote on a condo insurance policy for your home in Panama City Beach, FL? Get in touch with us by phone or online at Hall Insurance and we’ll provide you with a quote as well as details on our policy offerings. 

Tips to Help You Stay Safe When Driving on Icy Roads

While it is rare that roads get icy in Florida, you may find yourself traveling out of the state for the holiday season. Many Florida drivers have no idea how to navigate icy roads, and as such, accidents happen. At Hall Insurance, serving the greater Panama City Beach, FL area, we want to help prevent that from happening.

Here are a few tips to help you stay safe when you are driving on icy roads:

Keep Your Driving Speeds Low

Any time you are driving on roads that may have ice on them, you should always drive slower than the posted speed limit. Driving slowly helps you to maintain control of your vehicle in the event that you hit a patch of black ice. 

Ease Off the Gas Without Hitting Your Brakes

If you do hit a patch of ice, one of the worst things that you can do is slam on your brakes. Instead, slowly ease off of the gas, helping your car to come to a stop. If you slam on your brakes when you hit the ice, there is a good chance you may fishtail or slide. 

Have the Right Equipment For the Conditions

Lastly, always ensure you have the right equipment for the conditions. This may mean putting on snow tires, tire cables, or tire chains. Having the right equipment can help prevent your car from sliding on slick or icy surfaces. 

Get Auto Insurance

No matter how safely you drive, there is always a chance of an accident happening. This is why having the right auto insurance is a must. If you are in the greater Panama City Beach, FL area, and are looking for a new auto insurance policy, Hall Insurance can help you. Call us and get a free estimate today. 

Does an Online Business Need Commercial Insurance?

Many people today have online business endeavors they need to protect. Like any other business, an online business needs reliable protection from unique risks. Anyone currently living in the Panama City Beach, Fl area can count on Hall Insurance to help them get the protection they need to prevent losses and risks associated with their online business. 

Considerations for Online Business

You must protect your investments and property if you own an online business. For example, if you operate your business from your home or a separate office, you’ll need to protect that property just as you would a brick-and-mortar location. You also need protection for any equipment you own, including any inventory you store. Many things can happen to an online business, such as fire, theft, or acts of nature. 

Additionally, if you have an online business, you are prone to risks such as hacking and system breaches that expose your company and customers’ personal information. If any customers decide to sue you, having that protection in place is the key to having peace of mind.

Get the Right Insurance for Your Online Business

Each online business is unique and has its insurance requirements and recommended coverage. To find out what those are and get the best all-around protection available, you should speak with one of our top insurance agents who can work with you directly to help you get the best policy. 

Reach out Today

Don’t struggle to find which insurance products are ideal for your online business. Get the hands-on help and education you need to make a great choice. Let our team work with you today to get top-notch coverage you can rely on when you need it most—Call Hall Insurance serving Panama City Beach, FL. 

I’ve Paid Off My Property: Do I Still Need Home Insurance?

Excellent! There are few better rewards in life than owning your home outright. Once you’ve made the last mortgage payment, you’re free and clear! But even if you don’t have a mortgage, that doesn’t mean you don’t need home insurance. Hall Insurance in Panama City Beach, FL can help you navigate this important insurance coverage. 

Why You Need Home Insurance

Protect Your Valuables

Your home contains your life’s possessions – everything from furniture and electronics to clothing and family heirlooms. Even if you don’t have a mortgage, your belongings are still at risk from theft, vandalism, and natural disasters. Home insurance can help you replace your valuables if they’re ever lost, stolen, or damaged.

Liability Protection

Homeowner’s insurance also provides liability protection in case an injury occurs on your property. If a visitor is injured and sues, your home insurance policy can help cover the costs of a lawyer, any damages they may order you to pay, and more. Your Hall Insurance agent can help you determine how much liability protection you need.

Peace of Mind

Home insurance isn’t just about protecting your property – it’s also about peace of mind. Knowing you’re covered can help you relax and enjoy your home, even if something goes wrong.

So even though you don’t have a mortgage, home insurance is still a good idea. It can help you protect your belongings and give you peace of mind in an accident. Be sure to shop around and compare rates to find the best policy for you.

Give Us A Call

If you don’t have the time to find the best coverage, consider an independent insurance agent like Hall Insurance in Panama City Beach, FL. We work with several home insurance carriers and can help you find the right policy at the best price. Call us today.

Things condo insurance doesn’t cover

Florida is a great place to live year-round or as a snowbird. If you are not into yard care, a condo is a great option and it is also a more affordable way to break into the housing market. At Hall Insurance in Panama City Beach, FL, we have been locally owned for three generations and have been around for more than 20 years. We place our customers first and will work to find the right policy for you. 

While condo insurance does cover quite a few things, it does have some exclusions that you need to be aware of:

Exterior damage

Your condo association has a master policy that takes care of the common areas and the exteriors of the units. Your personal condo insurance will not be required to cover these. 

Owner neglect

If you have a minor problem that you leave uncorrected and it leads to a serious issue, you are responsible. If you have termites or any type of pest infestation, it is up to you to be proactive and take care of the issue. Mold falls under this provision as well. 


Floods are a major cause of damage to homes and very little water can cause thousands in damage. The sad part is that typical home insurance doesn’t cover this damage. You can buy a separate flood insurance policy if you live in an area where flooding is a danger. 

Earth movement

If there is an earthquake, a sinkhole, or a landslide that damages your condo, your condo insurance will not cover the damage. Again, if you have concerns, you can purchase an additional policy to offer you this protection. 

Give Us A Call

Contact Hall Insurance in Panama City Beach, FL to get a quote for your condo insurance or just to ask some questions about coverage. 

Types of Automobile Insurance Coverage in Florida

When you need to buy auto insurance in Florida, you may need information about the different types so that you can know what to ask about when you talk with your insurance salesperson. You can talk to an agent with Hall Insurance serving Panama City Beach, FL to find out how to buy the insurance you need. 

Types of Automobile Insurance Coverage 

Bodily Injury Liability (BI):

This type of insurance is used if there is a serious and permanent injury or death to another person or people and you caused it. 

Property Damage Liability (PD):

This type of insurance would pay for the destruction of property of another person or people if you are legally liable for this damage. The legal requirement for this is $10,000 for any auto insurance policy. 

Personal Injury Protection (PIP): 

This type of insurance is used to pay 80 percent of all medical expenses resulting from an injury caused by an auto accident, regardless of fault. This pays for necessary ambulance services, medical care, surgery, x-rays, dental, and rehabilitation services.  PIP pays 60 percent of work loss.

Uninsured/Underinsured Motorist (UM): 

This type of insurance is used when the at-fault person does not have Bodily Injury (BI) insurance and not enough liability insurance, and pays for bodily injury, including death. 

Comprehensive or Other than Collision: 

This type of insurance is used to pay for damage to a vehicle from windstorms, theft, fire, flood, vandalism, falling objects, and a collision with an animal. 

Collision Coverage: 

This type of insurance is used to repair your vehicle if it collides with another vehicle, crashes into an object, or flips over, regardless of fault.

You can contact to an agent with Hall Insurance serving Panama City Beach, FL to find out how to buy the insurance you need.

Shopping for Commercial Insurance: What to Look For

Commercial insurance is a necessary purchase for many businesses. However, it can be difficult to determine which policy is right for your company. Hall Insurance in Panama City Beach, FL offers four things to look for when shopping for commercial insurance. 

Shopping for Commercial Insurance

1. Coverage That Meets Your Needs

When shopping for commercial insurance, it’s important to find a policy covering all your business’s needs. Consider what kinds of risks your business faces and ensure your policy covers those risks. You may need property insurance to protect your business’s physical assets, liability insurance to protect against lawsuits, and product liability insurance if you sell products.

2. A Reputable Insurance Company

It’s also important to choose an insurance company that is reputable and has a good track record. Research insurance companies to find out their financial stability and customer satisfaction ratings. Make sure the company you choose is one you can trust to pay out claims in a timely manner.

3. Deductibles and Limits

When choosing a commercial insurance policy, you’ll also need to decide on deductibles and limits. While a higher deductible may mean lower premiums, it also means you’ll have to pay more out of pocket if you need to make a claim. Limits determine the maximum amount your insurance company will pay out for a covered claim. Choose deductibles and limits that make sense for your business and budget.

4. Claims Process

One of the most important things to consider when shopping for commercial insurance is the claims process. Find out how long it takes for claims to be processed and paid and whether there are any limits on the types of claims that can be made. You’ll also want to make sure you’re comfortable with the way the company handles claims.

Hall Insurance in Panama City Beach, FL offers commercial insurance policies that meet the needs of businesses of all sizes. Contact us today to get a free quote.

Types of homeowners insurance

Amidst your excitement of moving to Panama City Beach, FL, Hall Insurance wants you to remember that whether you buy or rent, you’ll need home insurance. Home insurance refers to all types of insurance that covers any kind of home – single-family homes, new homes, historic homes, condos, mobile or manufactured homes, and rented homes. There’s even a specific type of home insurance for a landlord who owns the rental home. 

Types of homeowners insurance

This quick guide provides you with an at-a-glance method of determining which home insurance policy type you need. The HO in the name stands for “home.”

HO-1: the essential single-family home policy that covers ten named perils, commonly called dwelling insurance,

HO-2: a single-family home policy that covers added perils,

HO-3: the most commonly purchased single-family home policy covering 16 named perils,

HO-4: a home policy covering the personal property and liability of renters,

HO-5: a comprehensive single-family home policy that covers all named perils,

HO-6: a home policy for condos that covers named perils, personal property damage, and liability from the walls-in,

HO-7: a home policy for mobile, manufactured, or RV homes,

HO-8: historic home policy, also available for architecturally significant homes that provides named peril, personal property, and liability coverage.

Landlords frequently choose HO-1 or HO-2, but if they rent out a condo, they would purchase HO-6. The person who rents their home would purchase HO-4.

If you buy an older home, such as a house nearing the 100-year qualification for designation as a historic home, you’d choose HO-8. You’d also choose HO-8 if you purchased a home a famous architect designed, such as a Frank Lloyd Wright home.

Wherever in Panama City Beach, FL, you’ve settled, call Hall Insurance to learn more about covering your new abode. Let us help you protect your financial investment.


Condo Insurance Policy Errors To Watch Out For

Hall Insurance proudly serves the Panama City Beach, FL community. We are an independent insurance agency. We work closely with multiple clients throughout the South. We are committed to helping you find the necessary coverage to navigate life’s risks.

Condo Insurance Policy Errors To Watch Out For

The Panama City Beach, FL community is home to several areas with luxury condos. If you are staying in one of these appealing properties, consider the benefits of condo insurance. Condo insurance protects your personal items at the property. This gives you peace of mind if your items are stolen or vandalized. Condo insurance also covers any interior damage to the property, such as the walls and the ceiling. Liability coverage protects you if you invite guests over and they suffer an injury on the property. You are also covered if you accidentally cause damage to another unit. You can amend your policy to provide extra coverage if you have valuable items such as fur or antique paintings at the condo. If your condo is severely damaged due to inclement weather, you can add alternative living coverage, which helps you find another place to stay until the necessary repairs are made.

It’s recommended that you take inventory when you first move in. A common error that many people make is failing to take inventory. This makes the process more complicated if some personal items are stolen. Taking inventory helps you determine the actual value of your possessions. Failing to research flood damage is another common error. Florida is prone to severe weather, which causes flooding. If your condo suffers flood damage, you aren’t covered unless you amend your policy.

Hall Insurance Will Help You Protect Your Assets

Contact us today to learn more information about condo insurance.

What is the value of having an auto insurance policy in Florida?

Those that are in the Panama City Beach, FL area will want to know that they have a reliable way to get around the community. If you are looking for transportation in this area, owning a car is a good idea. Along with buying a car, you need to get a quality insurance plan. There is a lot of value that comes with having a quality auto insurance policy in this part of Florida.

Coverage Protects Your Car

One of the reasons that people in this part of Florida will always want to have insurance is that it can help to protect their car. If you go out and buy a car, you will want to know that you can use and enjoy it for a long time. A great way to ensure this happens is by getting a full plan with comprehensive coverage. This will give you support if your car is damaged or stolen. 

Comply with Law 

You also will want to have this insurance to comply with the law. Anyone that drives a car in Florida needs to carry auto insurance with liability support. If you do not get this insurance, it could be a violation of state law. This could lead to various forms of penalization. 

It is always a good idea to have a proper auto insurance plan. When you are in the Panama City Beach, FL area, you will want to know that you are picking a policy that is ideal for your situation. As you are looking for coverage in the region, Hall Insurance can help you build an ideal plan. When you do call Hall Insurance, you can learn a lot more about how this coverage can help and then build a policy that will give appropriate coverage. 


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