General Information about Florida Health Insurance

General Information about Florida Health Insurance

 If you’ve been staying abreast of all the national news pertaining to recently imposed Florida health insurance mandates and federal fines for not signing up at the Health Insurance Marketplace, then there’s a good chance you’re a bit confused.  While it might seem as though things have become even more convoluted and difficult to decipher, the affordable care act was actually established in order to help rebalance an increasingly strained and subjective insurance industry.  Before the law was introduced it was possible for companies to engage in direct discrimination of individuals thanks to loopholes, particularly those which pertain to pre-existing conditions. According to, anyone can sign up and even check to see if they pre-qualify for special tax breaks, incentives or subsidies. Then you can compare these rates to what the public sector can provide via a service.

 If you Qualify for a Subsidy…

Assuming that you’re one of the many that will ultimately qualify for some type of special subsidy, then a number of options will open up to you which will translate into lower premiums and increased care.  Of course, this also means that you must choose from a list of “exchange plans” which have been set up and pre-approved by the federal government itself. The actual options and benefits will vary widely depending on a number of circumstances, including your personal history, relevant dependents, employment situation, existing health conditions as well as where you live.  All of these factors will determine what sorts of policies will be made available to you.

If you Don’t Qualify for a Subsidy…

Not everyone will receive benefits, sadly.  While this is largely to be expected (and not really much of a radical change from the older system) it does mean that certain people will need to choose from a list of private providers.  Moreover, each participating company is rated (between 1 and 5 stars) for their overall level of coverage and premium prices. In these health exchange plans you’ll encounter wider price discrepancies and varying levels of coverage as well.

 At the same time, certain individuals will more or less have to seek out private providers due to the fact that they might be self employed or working for a company that doesn’t offer group coverage.  Likewise, many might be interested in changing certain elements of their current coverage and/or attempting to find was to lower the cost of their premiums (especially when you consider the state of the national economy).

What Happens if I Don’t Sign up for a Policy in Florida?

Not signing up means that you will be levied a penalty fee which is currently priced (in the state of Florida) at around $95 per adult (and $47.50 per child).  (Note* – This is also calculated to be at around 1% of a family’s income once you pass the $285 per family mark.) While paying the fine is acceptable if you don’t want any coverage you must keep in mind that this does little to nothing to protect you or your family should an unexpected health issue arises. Don’t wait, get a quote online at this website today!

Florida Commercial Auto Insurance

Florida Commercial Auto Insurance

Obviously, there are different rules in Florida with regards to commercial auto insurance requirements. You can learn about this in more detail here.  The same minimum coverage, $10, 000 x 2, property damage + personal injury coverage just isn’t going to cover things for those who operate large vehicles for businesses on a regular basis.  The state requires individuals to be able to demonstrate financial responsibility in this regard, with the exact costs of a policy being related to a number of factors.

Four Basic Factors Relating to Commercial Auto Insurance in Florida

First off, there are the distances which the driver(s) will typically drive.  This also includes every possible way the vehicle is being used as well. Anything that might be considered to influence or damage someone or something should be listed.  For example, if you have a large truck that does nothing more than deliver flowers around your metropolitan area, you’ll need a very different style of coverage vs. the person who works for an interstate hauling business.   Often times business-related materials cannot be removed from a vehicle or might have an auto that only tradesmen use – all of these things matter. Likewise, there are special considerations to keep in mind if you’re going to be transporting additional passengers as well (i.e. – like a taxi service).

Then there’s the issue of who is actually driving the automobile(s).   Each individual’s driving record and personal history will likely affect pricing options, and this will begin to multiply quickly if you’re talking about a policy which insures a fleet of drivers and vehicles.  Of course, this will require investigation on the part of the policy holder(s) and even more research time.

Who actually owns the vehicle being insured is also of vital importance.  Regardless of who might be driving a commercial vehicle, who owns the thing is also of vital importance.  Because rates are often linked to personal data like driving history or even credit scores, owners with better standing ultimately stand to receive better discounts (as you’d expect).

Lastly, there’s the make / model of each automobile and number being insured to consider.  Just like with your conventional auto insurance policies, what make / model your vehicle is and what condition it is in will also influence the cost(s) of your policy.  In most situations this means that newer autos and those with more recently added safety features will get the best commercial rates. Be sure to check out the specifics for your own Florida auto insurance requirements.

Why is FL Commercial Auto Insurance Important?

According to you must be in compliance with the law, but the correct insurance is needed to be sure that your business can remain up and running should an accident occur.  Moreover, one should consider who might be fronting the costs of dealing with an incident as well, the two biggest concerns being property damage and replacing a damaged fleet vehicle, for instance. However, by and large one’s thoughts should be in trying to make sure that (even in the event of an absolute disaster, perhaps resulting in the complete destruction of one or more vehicles) you can keep your business operating.  Fully understanding the value in Florida commercial auto insurance usually leads to a policy upgrade.

Does my Florida Home insurance cover damages caused by my aquarium?

Does my Florida Home insurance cover damages caused by my aquarium?

Many homeowners love the idea of having an aquarium in their home. Aquariums are fun and beautiful to look at, but what if yours were to burst and cause damages to your home? Would your Florida home insurance policy from cover you?

If an aquarium breaks, will my FL home insurance replace it?

No, if your aquarium suddenly breaks, then your policy will not replace it. Sure, personal property is covered by a list of specific perils. If your tank breaks for no reason at all, you cannot file a claim for a replacement.

Now, if someone decides to break into your home and smashes your aquarium then you would be covered. This is considered as a covered loss. This would be considered as vandalism, and is covered by your home insurance in Florida.

What if my aquarium breaks, will I be covered for the water damage?

Nope. If your aquarium breaks for any reason, your liability for water damages will more than likely not be covered. Technically this would be considered as pet damage. These things come along with the responsibility of owning a pet. An aquarium tank breaks and leaks all the time.

What if my aquarium is stolen?

If your aquarium is stolen, your Florida home insurance from will replace the stolen property. This would include the tank and all of its parts. Keep in mind that your policy will not replace actually fish.

What if my aquarium starts a fire?

As you may already know, aquariums do require electricity in order to operate various lights, pumps, and other equipment. A failure of this equipment can result in an electrical fire. If your aquarium pump started a fire, then you would also be covered.

Owning an aquarium is definitely risky business. Always double check your Florida home insurance policy. Carefully read over each line. If you are currently shopping around online for a policy, follow these tips to ensure you make the right decision.

First you need to determine how much coverage you need for your home. Florida is a high risk state so the more coverage the better. After determining your coverage levels, you are ready to collect quotes.

Quotes from are definitely your gateway to finding better deals. Once you receive a quote you are happy with, review the company carefully, then finalize your policy. Always remember to thoroughly review your company before your final decision.