East & Greenwell Insurance Inc: Allstate Insurance

There are so many factors that determine your auto insurance rate, including your coverage, how long you were insured with your prior carrier, your credit score, whether or not you own a home, whether or not you are married, and your driving records. As you can see, rates are naturally going to be different person to person. The best thing to do is to contact East & Greenwell to review your insurance and discuss possible savings.

If you have questions about coverage, especially whether you are carrying the appropriate amount of coverage for your home, it is always best to contact us and speak with one of our agents. We are happy to do an insurance review and make recommendations if there is something that needs to be adjusted. Our approach is to treat you as if you were our friend or family member and recommend the type of coverage we would want for them.

On a homeowners policy, there is limited, standard coverage available for your jewelry up to a maximum of $1,000 per item. In most cases, you may want to consider scheduling the items, which provides coverage for your jewelry when its value is higher than the limits stated in your homeowner’s policy. In addition, it typically expands the types of losses the item would be covered for, including “mysterious disappearance”.

Yes. Homeowners insurance will pay for damages, if the accident is the result of your negligence. It will also pay for the legal costs of defending you against a claim. Additionally, part of your homeowners policy will cover medical expenses arising from an injury to a neighbor or guest. **We also suggest Umbrella Insurance for our customers to gain additional coverage worldwide.

Most insurance companies in Florida do not automatically include animal liability coverage. Some carriers offer it for an additional premium. If you own a dog and are concerned about animal liability, please contact our office and discuss it in more detail with one of our agents.

No, typically flood insurance has to be purchased in a separate policy. There are some companies that now include private flood in your policy, but it is best to read the fine print. By “flood” we are referring to rising water as a result of heavy rain, a storm surge, or a nearby lake flooding. However, “accidental discharge of water” is something that is typically covered under homeowners/condo insurance. For example, if a pipe bursts, that should be covered under your homeowners insurance. To fully understand what is covered on your homeowners insurance, please refer to the policy jacket or contact East & Greenwell.

Absolutely. This is the most important coverage in Florida as it protects you and your family even if the other person(s) involved in the accident do not have insurance. It’s more common than you may think, too. In fact, 1 out of every 4 people in Florida do not have Auto Insurance.

Auto insurance rates are on the rise nationally, but especially in the state of Florida. The main factors contributing to this increase are the increased frequency of claims and the increased cost of claims. For more information about the industry issue, please read our article: The Truth About Why Auto Insurance Rates Are On The Rise In Florida

a. Auto insurance premiums change for the same reasons that the price of other goods and services you buy change. b. Insurance companies incur the same costs you do in buying goods and services, and these costs can ultimately affect your insurance premium. Costs affecting the ultimate price of auto insurance include: i. Medical costs to treat injuries ii. Auto repair costs iii. Costs to adjust claims iv. Inflation v. Uninsured drivers (your policy pays when the other driver doesn’t have an auto insurance policy if you purchase Uninsured Motorist coverage) vi. Fraud vii. Reinsurance – yes, insurance companies buy insurance too

You’d need personal information like: Name, DOB, social, driver’s license. But if you are able to give year, make, model and VIN as well for the vehicles, this will help give you more of an exact rate for quoting.

This is the State required No Fault coverage. It pays for 80% or up to $10,000 in medical should you be involved in an auto accident and need medical attention.

You should consider a renters policy to cover his personal items along with liability. You should also contact your Auto Insurance agent to make sure that your son or daughter is rated as a Resident Student if he or she will not have a car on campus. This will provide additional discounts.

We always suggest you buy Medical Payments coverage. Because of the way No Fault works in the State of Florida, you could still have out-of-pocket medical expenses even if you have Health Insurance.

The typical rule of thumb is to have liability protection that is at least equal to your net worth. We suggest doing a review with your agent to make sure your protection is up to date.