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Panama City Beach, FL 32407

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Florida Insurance Blog

My bike was stolen! Will home insurance reimburse me?

Our team at Hall Insurance hates thieves! Unfortunately, even those neighborhoods in Panama City Beach, FL and its nearby areas with good security fall victim to property theft from time to time. This includes bike theft as even bikes locked up or considered secure in a locked fenced-in area can be stolen. The good news is that if your bike is stolen, your home insurance may step in to help recover the costs. The following is a look at what you’ll need to know about your home insurance policy to see what and how much they can help in the event of a stolen bike:

Understanding the Terms of a Home Insurance Policy for Bike Theft

Most importantly, if your bike is stolen from your property, the very first thing you need to do is to call the non-emergency police number and have an officer come out to file a police report. Having a police report in hand about your stolen bike makes it easier to claim your bike should you find it trying to be re-sold at a pawn shop, used bike store, or by an individual online. Most insurers will also require a police report in order to start the claim process on a stolen item.

Other things to look at when filing a claim with your home insurance company for a stolen bike are:

  • Personal property coverage. This is the specific type of coverage that will be used to reimburse you for a stolen bike. Some policies will only reimburse stolen property that was stolen from the home or a locked garage. 
  • Proof of ownership and value. When filing a claim, you’ll likely need to show a picture of you with the bike or a receipt listing you as the owner. This receipt will also be used to determine the value of the bike.

Learn More About Home Insurance

For more information about what is and isn’t typically covered by your Panama City Beach, FL or other Florida neighborhood home insurance policy, give our team at Hall Insurance a call!

What You May Not Know About Condominium Insurance

Insurance can be a bit confusing at times. It is why having a team like Hall Insurance on your side is so valuable. This includes those who may own a condominium in the Panama City Beach, FL area. Our professionals can help protect your investment and provide critical liability coverage should a visitor get injured while on your property.

Condominium insurance, however, does have its share of misperceptions.

Here are a few things you may not know about condo insurance:

Association Insurance is Not Enough

Sure, your HOA is likely to have insurance, but this is only designed to cover common areas and exterior structures. You will need your own condo insurance to cover your furniture, valuables, and personal belongings as well as the interior of your unit.

You Are Responsible From the Walls and Inward

Condo insurance will cover your investment from the walls and inward. This includes mechanicals, appliances, and personal belongings.

It Offers Protection from Liability Claims

Should a visitor, contractor, or delivery person slip and fall or otherwise become injured while on your property, the liability coverage of condo insurance can help cover legal fees and damages.

You May Be Able to Purchase Assessment Insurance

Associations can sometimes levy large assessments to cover major repairs, like ones needed after storm damage. Add-on association assessment insurance may be available to help protect you from these unexpected costs.

We Can Help!

There are differences between home insurance, renter’s insurance, and condo insurance. Hall Insurance is serving the Panama City Beach, FL area and can help you understand the nuances. Contact us today for a review and quote on protecting your condominium investment.

Safe driving tips for new drivers

Safe driving skills are important for new drivers to learn here in the Panama City Beach, FL area, as they set the foundation for how they will operate a vehicle in the future. As such, there are some tips from us at Hall Insurance that all new drivers should keep in mind when they are first getting behind the wheel. 

First and foremost, new drivers should always obey traffic laws and speed limits. This is essential for staying safe on the road and avoiding potential citations or accidents. It’s also important to remain aware of one’s surroundings at all times so that a driver can react quickly if necessary. This includes being mindful of other vehicles and pedestrians, as well as keeping an eye out for animals or other obstacles in the road. 

It’s also important to make sure that your car is properly maintained before getting on the road. New drivers should inspect their tires regularly, be sure to check their brakes and oil levels often and ensure that all fluid levels are topped off when needed. By taking these simple steps, new drivers can help prevent potentially dangerous situations while driving, such as engine failure or tire blowouts. 

Finally, it’s essential for new drivers to practice patience while driving. This can include allowing extra time for stops and turns, leaving room between cars to avoid rear-end collisions and being mindful of aggressive or reckless drivers on the road. 

Reach Out To Us

By following these safe driving tips for new drivers, you can help ensure a smooth transition into becoming a confident driver on the roads! For more tips, give us at Hall Insurance a call today. We are proud to serve the Panama City Beach, FL area.

How Does Commercial Insurance Relate To Certain Properties?

On your way to work, have you ever wondered if that hospital over there has insurance? They certainly ask for yours, don’t they? How about that farm? Is the land insured or just the buildings? You’re pretty sure they’re all covered by some type of insurance, but what type? Hall Insurance in Panama City Beach, FL is happy to help.

Insurance Coverage For Commercial Properties

Commercial insurance relates to buildings and land that serve a commercial purpose. This could include hospitals, office buildings, retail stores, Sam’s Club, warehouses on the river, doctor offices, hotels, farms, and apartment buildings to name just a few. What else does commercial insurance do?

What About The Grass Upon Which A Business Sits?

Earthquakes and floods aren’t rare. They are infrequent enough, though, that insurance companies ask for flood insurance as well as earthquake insurance for your business. 

Hurricanes, on the other hand, are regularly scheduled, so to speak. There’s a warning when one is approaching an area. There are things to do that help protect a building in a hurricane, quite unlike flooding or an earthquake. Thus, most commercial insurance covers hurricane damage. 

Are Empty, Dilapidated Buildings Insured?

Empty warehouses, barns, shopping strip buildings, and other seemingly abandoned structures stand empty for many reasons such as financing. However, they, too, are susceptible to fire, theft, flooding, and other destructive events. Commercial insurance is a good idea if the owners don’t want to lose their money.

Does Commercial Insurance Deal With Mold Or Dry Rot?

Mold can be caused by leaking pipes. Dry rot, fungus, and mold are generally covered only if it’s caused by a circumstance described in the policy. 

Reach Out To Us!

Hall Insurance wants your Panama City Beach, FL commercial property to be well protected. Come in and talk to us or call about commercial insurance. We’re glad to help.

Tips to make your house more energy efficient

Making your Panama City Beach, FL area home energy efficient can be an intimidating task, but it can also be rewarding when you start saving on your energy bills.

Here are some tips from us at Hall Insurance to make your house more energy efficient: 

1. Get a Home Energy Audit

A home energy audit is the first step in making your home more efficient. An auditor will come to your house and give you recommendations on how to make it more energy-efficient. 

2. Install Insulation

Proper insulation is key in keeping your home comfortable year-round and reducing the amount of energy you use for heating and cooling. 

3. Replace Old Appliances with Energy-Efficient Models

Replacing old appliances with new, energy-efficient models can drastically reduce the amount of electricity and water used in homes. 

4. Utilize Natural Light

 Take advantage of natural light whenever possible by installing skylights or windows that face south for maximum solar gain throughout the day. 

5. Upgrade Your Lighting

Switching out incandescent bulbs with LED lights or CFLs (compact fluorescent lamps) is an easy way to reduce electricity usage while still providing adequate lighting throughout your home. 

Reach Out To Us

By following these simple tips, you can make a big difference in how much energy you use each month and save money at the same time! For more energy-saving tips or to explore a homeowner’s policy that meets both your needs and your budget, give us a call at Hall Insurance today. We are proud to serve the Panama City Beach, FL area, and we’ll be glad to assist you. So don’t wait, call today!

The top exclusions condo owners should be aware of under their condo insurance.

If you are a condo owner in the Panama City Beach, FL area, you must understand what is covered by your insurance policy and what might be excluded. The agents at Hall Insurance have compiled a list of the most common exclusions in condo insurance policies. 

Condo Coverage Exclusions

Luxury items 

While your policy will cover your personal property, there may be an exclusion or small limits for items considered luxuries such as jewelry, fine art, or electronics. So, checking your policy to see if you have coverage for luxury items is essential. If not, you can often add coverage or take out a separate policy for those items. 

Floods and Earthquakes

A condo insurance policy will not cover claims due to a flood or earthquake. However, with events like floods and earthquakes becoming increasingly common, condo owners should consider taking out separate policies. 

Vacant condo 

If you do not occupy your condo full-time, it is essential to see if your policy covers you when it is vacant. It is common for insurers to exclude coverage if you do not occupy the condo for more than 30 days. So, if you are away from your condo for more than 30 days, please let your carrier know to ensure you have coverage. 

Failure to maintain 

One of the most important things you can do as a condo owner is to ensure you regularly maintain your home’s condition. If you suffer a loss due to failure to keep your condo maintained, your insurance carrier may not provide coverage. For example, if you do not repair an active leak and mold starts to grow, your claim may be denied. 

Any Questions? We Are Here To Help!

If you’d like to learn more about condo insurance coverage, you can contact an expert at Hall Insurance today. We proudly serve the Panama City Beach, FL area. 

Quick Auto Insurance Stats and Facts

Curious about auto insurance? Like automobiles, auto insurance is a relatively new concept but has had a huge impact on society. We’ll cover some of the basic stats and facts but if you have any questions, contact Hall Insurance, serving Panama City Beach, FL and other areas nearby.

The Earliest Known Insurance Plans

The oldest known insurance plan in the world was issued in 1347 in Genoa, modern-day Italy. Of course, cars weren’t being insured, but instead maritime shipments.

America’s First Auto Insurance Plan

The first auto insurance plan was offered by Traveler’s Insurance Company in 1897 to Gilbert J. Loomis and was issued in Dayton, Ohio.

Over 200 Million Americans Have Access to Car Insurance

IBISWorld reports that roughly 215 million Americans are covered by car insurance. This represents the bulk of the American adult population. The auto insurance industry is believed to be worth $300 billion.

Nearly 300 Million Cars Are On The Road

It’s estimated that roughly 290 million cars are on the road in the United States. The average age of a car is about 12 years. 

Car Accidents Are Sadly Common

Unfortunately, roughly 6 million car accidents occur each year. Thankfully, many of these accidents won’t result in extensive property damage or serious injuries. “Fender benders” are common. Still, motor vehicle accidents are a leading cause of death in the United States, resulting in more than 35,000 fatalities per year.

New Cars Are Getting More Expensive

As of 2022, a new car costs an average of roughly $48,000. Over the years, many vehicles have gotten bigger and are now packed with more technology than ever before. This has resulted in increasing prices. Used cars have also gotten more expensive over time, costing roughly $30,000, on average, in 2022.

Want to learn more about auto insurance?

Get in touch with Hall Insurance, serving Panama City Beach, FL.

What is a BOP?

Commercial insurance is not mandatory in Panama City Beach, FL except with regard to workers’ compensation which protects individual employees in the event they are sickened or injured at work. For business owners who protect their companies with commercial insurance, a BOP, or business owners policy is what they often opt for. 

Business Owners Policy: The Basics

Entrepreneurs typically run into common perils that befall others in the same industry as them. For this reason, insurance companies will often bundle these indemnifications together conveniently into a BOP. Your Hall Insurance agent can confirm what covered perils are named in your BOP. 

Something as simple as a slippery floor causing a fall can spiral into medical costs and lost wages that can bankrupt a business. This is why a BOP will frequently include such hazards as injuries that occur on your premises that are sustained by a customer. You may also find yourself the target of a lawsuit for such occurrences. 

Your BOP likely contains coverage that will offer payment in the event that your business inventory suffers damage from a variety of causes. This can happen due to fire or windstorms or mechanical malfunction due to power surges. Raw materials may also be affected, causing your income to be endangered. 

Certain dangers may arise due to advertising mistakes in the form of typographical errors or unintentionally misleading statements. Additionally, your products, services, or employees may inadvertently cause property damage to your clients, resulting in the need for financial remedy or repairs. 

Hall Insurance Is Here To Help

Our knowledgeable insurance representatives can help you choose the insurance package that will be most appropriate for you, and we invite you to reach out to us. We service those who live in and around the Panama City Beach, FL area. 

Who should get a home insurance plan in Florida?

When you are in the Panama City Beach, FL area, it would be a good idea to own a home. If you are a property owner here, it will offer various benefits, including providing a consistent place to call home and an asset that can appreciate in value. If you would like to buy a home, you also need to have insurance for it.

There are various reasons to obtain a home insurance policy:

Those with Insurance Obligations

A situation when you should get home insurance will come when you have insurance obligations. If you are going to take out a mortgage or live within a home association in Florida, you will undoubtedly be required to carry insurance. If you select a home insurance plan, it can help to keep you in good standing with such obligations moving forward. 

Those Looking for Coverage

Even if you are not legally obligated to carry this insurance, it can still be wise to obtain it. If you are going to take out this insurance, you will obtain coverage for your assets and your dwelling. Further, you will receive personal liability insurance, which can prove to be very helpful if you are named liable for an accident that occurs on your property. Ultimately, this can provide you with helpful financial support during difficult times. 

Contact Us Today

If you want to get a home insurance plan for your Panama City Beach, FL home, it never hurts to get support from someone that is experienced and whom you can trust. A great company that you can work with for all of your insurance needs is Hall Insurance. The professionals with Hall Insurance understand and value home insurance and will offer any support that you need to build your next policy to protect your home. 

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. 

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