Get answers to common insurance questions from the GRL Insurance team
Florida requires minimum coverage of $10,000 Personal Injury Protection (PIP) and $10,000 Property Damage Liability (PDL). However, we strongly recommend higher limits and additional coverage like bodily injury liability and comprehensive/collision coverage to protect yourself adequately. We'll help you determine the right coverage for your situation.
There are several ways to reduce your premiums: maintaining a clean driving record, bundling auto and home insurance, taking advantage of mobile app discounts, increasing your deductible, and asking about available discounts like good student, safe driver, or multi-vehicle discounts. Contact us to review all available discounts for your situation.
First, ensure everyone's safety and call 911 if needed. Exchange information with other drivers, take photos of the scene and damage, and file a police report. Then contact us as soon as possible â we're here to guide you through the claims process and advocate for you every step of the way.
In most cases, auto insurance follows the vehicle, not the driver. If you lend your car to someone with your permission, your insurance is typically primary. However, coverage can vary depending on specific circumstances and policy details. Contact us to understand how this applies to your policy.
Standard homeowners insurance typically covers your dwelling (the structure), personal property, liability protection, and additional living expenses if your home becomes uninhabitable. Coverage usually includes damage from fire, wind, hail, lightning, theft, and vandalism. It's important to note that flood damage typically requires a separate policy.
Your dwelling coverage should be enough to rebuild your home at current construction costs (not the market value). We recommend conducting a home inventory for personal property coverage and choosing liability limits of at least $300,000 to $500,000. We'll help you evaluate your specific needs based on your home's characteristics and assets.
Replacement cost coverage pays to replace damaged items with new ones of similar quality, while actual cash value pays the depreciated value. For example, if your 5-year-old roof is damaged, replacement cost pays for a new roof, but actual cash value only pays for a 5-year-old roof's value. We typically recommend replacement cost coverage for better protection.
Homeowners insurance typically covers wind damage from hurricanes, but flood damage requires a separate flood insurance policy. In Florida, most policies have a separate hurricane deductible that's higher than your standard deductible. We'll explain exactly what's covered and help you get the protection you need for Tampa's weather risks.
Yes! Tampa is a high-risk area for flooding due to hurricanes, tropical storms, and heavy rainfall. Standard homeowners insurance does NOT cover flood damage. Even if you're not in a high-risk flood zone, flood insurance is strongly recommended. More than 20% of flood claims come from moderate-to-low risk areas.
Flood insurance costs vary based on your flood zone, elevation, coverage amount, and deductible. Properties in moderate-to-low risk areas can get coverage starting around $400-600 per year. High-risk areas may cost more. We'll help you get accurate quotes and find the most affordable options for your property.
Yes, there's typically a 30-day waiting period before flood insurance coverage begins. This means you can't wait until a storm is approaching to buy coverage. It's important to get flood insurance in place before you need it. Don't wait â contact us today to get protected.
Flood insurance covers direct physical damage to your building and contents caused by flooding. Building coverage includes the structure, foundation, electrical and plumbing systems, HVAC, appliances, and more. Contents coverage protects your personal belongings. Maximum coverage is typically $250,000 for the building and $100,000 for contents.
A common rule of thumb is 10-12 times your annual income. However, your actual needs depend on your debts, mortgage, number of dependents, income replacement needs, and financial goals. We'll help you calculate the right amount to ensure your family is protected if something happens to you.
Term life insurance provides coverage for a specific period (10, 20, or 30 years) and is typically more affordable. Whole life insurance provides lifetime coverage and builds cash value, but costs more. Term life is often best for temporary needs like mortgage protection, while whole life can be good for estate planning. We'll help you choose what fits your situation.
While it's less critical than for someone with dependents, life insurance can still be valuable. It can cover final expenses, pay off debts, help aging parents, or leave a legacy. Plus, buying life insurance while you're young and healthy locks in lower rates for the future when you might have a family.
Yes, your health, age, lifestyle, and family medical history all affect your rates. Generally, younger, healthier applicants pay less. Tobacco use significantly increases rates. Some health conditions may result in higher premiums or coverage limitations. We work with multiple carriers to find you the best rates regardless of your health situation.
As an Allstate agency, we combine the strength and reliability of a national carrier with personalized local service. We get to know you personally, understand your unique needs, and provide ongoing support. You're not just a policy number â you're our neighbor.
Absolutely! Bundling your auto and home insurance can save you significant money. Plus, it simplifies your insurance management with one agent handling all your policies. Contact us to see how much you could save by bundling.
We recommend reviewing your coverage annually and whenever you have major life changes like marriage, divorce, buying a home, having children, or significant purchases. Your insurance needs change as your life changes, and we're here to ensure your coverage keeps up.
We offer flexible payment options including monthly automatic payments, quarterly or semi-annual payments, and annual payments. Many clients prefer monthly automatic payments for convenience and budgeting. We'll work with you to find a payment schedule that fits your needs.
We're here to help! Contact us today and we'll be happy to answer any questions you have about insurance coverage.