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Florida Insurance Blog

How To Choose The Right Deductible For Your Auto Insurance

We understand that selecting the best deductible for your auto insurance can be challenging. That’s why we’re here to help. Choosing the right deductible is one of the most crucial car insurance decisions.

The Role of a Deductible

The deductible is the sum of money you pay out of pocket towards a claim before an insurance company starts to pay for repairs to your damaged vehicle. Moreover, you will pay a deductible every time you file a claim. For example, if your repair cost is $5000 and your deductible is $500, you must pay the $500 first. Subsequently, your insurance company will pay the remaining $4500 of the repair bill.

The higher the deductible, the greater your financial responsibility is when filing an auto insurance claim. However, higher deductibles result in you paying a lower premium on your policy.

Conversely, choosing a lower deductible on your auto insurance policy results in lower out-of-pocket costs when there is a claim after an accident. However, the premium for that coverage is higher.

On auto insurance policies, deductibles are typically only attached to comprehensive, collision, uninsured/underinsured motorist, and personal injury protection coverage.

Some drivers avoid filing claims to dodge the deductible, but this results in them bearing all the repair costs.

Selecting a Deductible: Things to Consider

  • Would you prefer a higher or lower deductible?
  • What is the premium cost for each deductible?
  • How likely are you to file a claim?
  • Consider the value of your vehicle.
  • How much money have you saved up in case you need to file a claim?
  • Are you a risk-taker? The riskier you are, the higher the deductible.

Most people choose a $500 deductible for their car insurance coverage. However, deductibles can begin as low as $250 up to $2500 or more. When choosing a deductible, ensure you can afford to pay the deductible if you need to file a claim.

We Are Your Lifeline

If you’re in Panama City Beach, FL, or the surrounding areas, contact us today at Hall Insurance. We will assist you in choosing the best deductible options, acting as your lifeline and saving you from the stress of making these challenging decisions alone.

Commercial Property Damage Protection

Is your commercial property equipped with adequate protection against theft, vehicular accidents, vandalism, or natural disasters? If you are uncertain if the level of coverage you have is sufficient, review your policy and explore some ways to increase security.

Comprehensive Coverage

A comprehensive insurance product that covers your commercial property will protect you against the following events.

  • Burglaries
  • Acts of vandalism
  • Fires
  • Floods
  • Earthquakes
  • Hailstorms
  • High winds

Upgrading your existing insurance policy to one that provides comprehensive coverage will eliminate the need to acquire multiple policies. Your commercial property will be protected from natural and planned disasters, as well as theft and other criminal acts.

Inspection and Results

A commercial property inspection will help you identify potential weak spots that could lead to property damage or criminal activity. You may take note of inadequate locking systems, poor drainage, or another flaw that could be problematic after a while. Your inspection results can be used to help you pinpoint how much property insurance you need.


There are always ways that you can make improvements to your commercial property. Even if you decide to purchase a comprehensive property insurance product, safeguarding your property as much as possible is in your best interest.

Security improvements will keep you and your workforce safe and allow you to continue conducting business operations as normal.

Contact Hall Insurance

If you feel that having access to a comprehensive commercial property insurance policy is in your best interest, contact one of our Hall Insurance agents today. Our friendly and helpful agents, who serve Panama City Beach, FL, can recommend insurance products that will keep your commercial property protected throughout the year.

Insurance Products for Specific Living Situations

Assess your current residential living situation. Then, research insurance products that will protect your investments.

Safety Concerns

Determine if any safety concerns warrant purchasing additional liability protection. Accidents within your home may necessitate a higher amount of liability coverage.

  • Multiple stories
  • Older structural materials
  • Uneven terrain
  • Water features

The list above outlines some categories to consider when you perform a safety assessment. If you own a large house, for example, there may be a higher likelihood of an accident occurring than if you were to own a smaller residence. Someone could fall down the steps or encounter another type of accident.

Items Stored

Take a look at the items stored within your residence. If you own a lot of valuables, you may want to seek coverage that will protect each of these items. This type of coverage could potentially pay for the repair or replacement of any item of value that you currently own.

Utility Coverage

Have the utility systems in your home inspected? Your home insurance policy can cover the plumbing and wiring in your home.

If you are going to have any of the systems upgraded, it may be in your best interest to add the utility materials to your existing home insurance policy. This will provide protection in the event that materials are damaged or stolen while the upgrades are underway.

Contact Hall Insurance

Set aside some time to consult with one of our agents at Hall Insurance. Your consultation will help the agent recommend some insurance products that will provide coverage for your unique living situation. An agent who serves the Panama City Beach, FL, region will advise you during your consultation.

Understanding Condo Insurance Needs in PCB: Insights from Hall Insurance

Living in a condo in Panama City Beach, FL, offers exceptional views and proximity to gorgeous attractions. Nonetheless, it is crucial to protect your home and have a deep understanding of your condo insurance needs. At Hall Insurance, we are here to guide you.

Home Protection

Though your condo association has insurance covering the building and common areas, it does not cover personal damages. For instance, if you have water damage from a flood or a plumbing disaster in a neighboring unit, their insurance does not cover you. Therefore, you need your own coverage in Panama City Beach, FL, to cover any incident that may occur in your unit. With the right policy, you can protect your home against any disaster.

Personal Items Coverage

Condo insurance isn’t just about protecting the building; it’s also about safeguarding all the personal items inside it. If an incident occurs where something gets stolen or damaged, having sufficient coverage allows you to file a claim with confidence. However, you may face considerable out-of-pocket expenses to replace furniture, clothing, electronics, and more without the proper coverage.

Choosing the Right Policy

With numerous policies and insurance companies to choose from, it can be challenging to decide. However, a knowledgeable insurance agent can guide you and ensure you have comprehensive coverage for your condo. You can reach out to us at Hall Insurance for more guidance. We will work diligently to build the right policy, get quotes from multiple companies, and more. This way, you can rest assured knowing that your condo is fully protected.

The Risks of Flood Damage to Vehicles

If you live in Panama City Beach, FL, then you understand the extreme and often unpredictable nature of the weather. More specifically, water damage is something to your vehicle is something every auto owner should be aware of. Below are some of the most common risks of vehicle flood damage and how Hall Insurance can help.

Damage To Your Interior

One of the major risks of flood damage to vehicles is the potential damage to the interior. Water entering your vehicle can quickly seep into every nook and cranny, causing extensive harm to your upholstery, carpets, and electronic components. The moisture can penetrate deeply into these materials, leading to mold growth and unpleasant odors if not addressed promptly. Seats may become saturated, leaving behind stains that are not only unsightly but also difficult to remove completely. Water often carries debris, such as dirt and sediment, which can get trapped in various parts of your car’s interior. This accumulation might result in permanent discoloration or even degradation of certain surfaces. Electrical systems within your vehicle are also at risk during a flooding incident.

Smoke And Unusual Noises

Driving a car with water damage can cause smoke and unusual noises. When water enters the engine or exhaust system, it can create steam and smoke as the heat from these components starts to evaporate the moisture. This is a clear sign of an issue with your car’s mechanical systems, and driving in this condition could lead to further damage.

Call Hall Insurance Serving Panama City Beach, FL

Our experts are here to help you navigate the process if your vehicle has water damage. Contact us for more information or if you would like to file a claim.

The Types of Commercial Insurance You Can’t Ignore

Hall Insurance is a trusted insurance provider that can help Panama City Beach, FL businesses get the protection that they need. Over the years, we’ve matched companies with various commercial insurance properties and can help you find the coverage options that make sense for you.

Commercial Insurance Policies You Need to Get 

When buying your commercial insurance, you should bundle various types of protection into one package to streamline your experience. Doing so can ensure that your business is protected and minimize various types of issues. Just a few options that make the most sense for you include:

  • Property Insurance: This policy protects all of your business property, including equipment, computers, documents, buildings, and other structures. It helps against risks like fires, vandalism, and theft.
  • General Liability Insurance: If you cause injuries to your customers or other third parties (either physically or financially), liability protection will pay for any money you owe them. 
  • Umbrella Insurance: Higher-risk businesses likely need umbrella coverage, an extra level of liability protection that pays for extra costs after a standard policy maxes out.
  • Errors and Omissions Insurance: Do you give advice or various types of personal service to your customers? This coverage will protect you if you make a mistake that affects them. 
  • Product Liability Insurance: Any business that sells products should seriously consider this type of protection to avoid serious issues if their products fail unexpectedly.
  • Workers’ Compensation Insurance: Florida law requires you to have workers’ compensation to help your employees after injury, so make sure you keep your policy up to date.
  • Other Policies to Consider: Don’t neglect options like employer liability, business interruption, commercial auto, D&O, contractor liability, and bond coverage for your firm.

We’re Here to Help!

Our crew at Hall Insurance have years of experience working with Panama City Beach, FL businesses. We can help you find these and other commercial insurance policies and keep you safe. Please don’t hesitate to contact us to learn more about which options may work best for your needs.

4 Weird Things Home Insurance May Cover

Buying home insurance from Hall Insurance, serving Panama City Beach, FL, and surrounding areas, is one of the smartest investment decisions you can make for your family. Whether or not your home is all paid off, home insurance should never be canceled. This is especially true because of the many extra things that this kind of insurance can cover.

Here are some weird things home insurance may cover that you may not have thought of:

1. Identify Theft

Identify theft is more common than ever. Luckily, some home insurance policies offer riders that cover this particular kind of loss. If you’re interested, contact your Panama City Beach, FL home insurance representative.

2. Outbuildings

Many homeowners these days have outdoor living spaces that may include outbuildings, such as art studios or man caves. The category of outbuildings also includes structures such as detached garages, tool sheds, and even dog houses and chicken coops. If disaster strikes, such as a hurricane, your home insurance may cover outbuildings like these.

3. Injuries From Animals

Pets sometimes cause injuries to guests, delivery persons, and even family members. If you or someone you know has been injured by one of your animals on your property, it may fall under your home insurance policy.

4. Temporary Accommodation

If your home is damaged to a point where you can’t reside in it until its repaired, the cost of your temporary accommodation might be covered by your homeowners insurance policy. It’s possible you would need a special rider to cover this scenario, so contact your insurance broker for details.

Call Today To Discuss Your Options

Your particular home insurance policy may or may not cover the things mentioned here. For details about your particular policy, contact your insurance representative at Hall Insurance serving Panama City Beach, FL and surrounding areas. We look forward to serving all your home insurance needs!

HOA and Condo Insurance: What You Need to Know

The idea of getting both HOA and condo insurance in Panama City Beach, FL seems redundant. But the truth is, they are two different animals. Most HOA insurance policies protect the condo building and its common areas.  They don’t protect your personal items. You need condo insurance to cover the gaps.

The Differences Between Condo and HOA Insurance

Both types of insurance coverage have their benefits. But, when they work together, they accomplish more. That’s why it’s important to know the difference between the two. For instance, there are two basic types of HOA insurance:

  • Studs-out coverage: This is the basic HOA policy discussed earlier. It covers the outside of the building and areas like the roof, elevator, lobby, and pool.
  • All-in coverage: This coverage has the same coverage as studs-out coverage but with a little extra. It also covers the walls, floors, ceilings, cabinets, and lighting fixtures in the condo.

Condo insurance, on the other hand, goes a little deeper. It typically covers:

  • Personal property: Your furniture, clothing, electronics, and other personal items
  • Dwelling: The inside of your condo, like the walls, floors, ceilings, etc.
  • Liability: The damage that happens if someone gets hurt in your condo. It also covers you if you accidentally damage someone else’s stuff.  
  • Loss of use: This involves the additional living expenses you accumulate if you have to move out temporarily.

As you can see, condo and HOA insurance are two halves of the same coin. They work together to give you the best coverage possible. To get the right condo insurance coverage, you must:

Check your HOA insurance policy to see what it does and doesn’t protect

  • Read your policy carefully to get a good understanding of the terms, conditions, etc.
  • Ask one of our trustworthy agents at Hall Insurance in Panama City Beach, FL any questions you have.

Hall Insurance Is Here To Help

Bridging your coverage gap with condo insurance is a smart way to protect both your condo and belongings from unexpected events. Call us to learn more about how our agents at Hall Insurance can help you bridge your coverage gap.

What Happens if I’m Sued After Causing a Wreck?

If you’re ever involved in a car accident in Panama City Beach, FL and are pretty sure it was your fault, you will undoubtedly be stressed. If the other driver or pedestrian you hit was seriously injured, then your insurance may be maxed out. What does that mean? It means that the victim may opt to sue you for the remaining costs of their medical bills. So, what exactly happens if you’re sued after causing a wreck?

You Will Be Required to Go to Court

If you’re sued after causing a car wreck, you will be required to go to court. Be sure to inform your insurance company, who will provide an attorney to represent you. If you don’t wish to be represented by the assigned attorney, you can always hire your own. You will go to court, the victim will plead their case, and any possible witnesses will testify.

You May Be Ordered to Pay Additional Money Out of Pocket

You will be allowed to defend yourself and have your own witnesses testify on your behalf if there are any available. Once all testimony has been heard and the judge is ready to make a ruling, you should prepare yourself, as you could be ordered to pay additional money out of pocket. Your insurance company, whether it’s Hall Insurance or another agency, will only pay a certain amount to the victim, according to your plan, and you will be required to pay any excess. 

Hall Insurance Is Here For You

Being sued because of a car accident will undoubtedly cause a great deal of turmoil. However, the right insurance company will provide you with adequate legal counsel who can keep any out-of-pocket costs to a minimum. If you’re in Panama City Beach, FL, we at Hall Insurance would be glad to have you as a client. We treat all our customers with the same stellar service and are ready to extend that same service to you. Contact us today.  

Do I Need Commercial Car Insurance When I Drive My Personal Vehicle for Work?

At Hall Insurance, we help you determine whether you need commercial car insurance for the personal vehicle you use on the job. We serve the greater Panama City Beach, FL community, and we are experts who know that that decision can be complicated. 

If you use your personal vehicle just to drive to and from work, you’re okay with a personal auto policy. But under most circumstances, when you use your personal vehicle while on the clock, you need a commercial auto policy.

Policies for Employers and Employees

As an employer who drives your own personal vehicle, talk to us about insurance that does not only protect your vehicle in the event of a collision. There may be a policy to protect your business assets if you or an employee is in an accident while driving a personal vehicle. As an employee, do not assume that if your employer has commercial auto insurance you are covered. 

Why Learn More About Commercial Car Insurance

Florida law mandates that all who have a commercial vehicle policy also have personal injury protection. This coverage pays for medical bills or funeral expenses due to injury or death if someone else is injured in an accident when you are the driver.

Be Specific About How You Use Your Vehicle

For us to know what coverage you need, we ask detailed questions about how you as an employee or an employer use your personal or business vehicle. Failure to let your insurer know exactly how you use your vehicle when you purchase insurance could result in any claims not being paid.

We Are Here To Help

Hall Insurance competently serves clients in and around Panama City Beach, FL. Reach out to us for your commercial insurance needs.

Our Partners

  • Appalachian
  • Auto Owners
  • Bankers
  • Citizens
  • First Comp
  • Lexington
  • National Flood Insurance Program
  • National Flood Services
  • Olympus
  • Progressive
  • Safeco
  • The Hartford
  • United
  • Universal