What Do I Need to Know About Car Insurance?

There is a lot to know about car insurance and sometimes industry jargon can make understanding your policy difficult. Today on the Reliance Insurance blog, we are going to share with you the very basics you need to know about insurance to not only understand what kind of coverage you are getting, but also how to make sure you are completely covered. 


Keep reading, watch the videos below, and visit the Reliance Insurance website to find the best cheap car insurance that can effectively cover you. 

Everything You Need to Know About Car Insurance in Florida

What Type of Insurance Do I Need

Welcome to the Reliance Insurance blog! Here you can find information about insurance and everything you need to know about getting the coverage you need in Jacksonville. Insurance can seem confusing and, in many cases, too expensive. However, Reliance Insurance is here to take the confusion out of finding coverage — we offer cheap car insurance that will keep you protected when you’re behind the wheel. 

Commercial Auto Insurance

Protect Your Small Business with Commercial Auto Insurance

Whether you use your own car or a fleet of box trucks to get the job done, Freeway Insurance can provide the commercial vehicle insurance protection you need to help you keep your business moving forward. Freeway has been providing affordable commercial auto insurance for over 30 years and is a name you can trust when it comes to the needs of your small business.

Why Home Insurance is Less Expensive than Car Insurance

A car can go zooming down the road at speeds of up to 70 miles per hour, lawfully, and can go over 100 miles per hour, considered to be reckless driving. On the other hand, a house stays constantly fixed in one location day and has a statistically far less chance of experiencing any damage or loss to belongings in the home.

The premium that you are paying is simply based on the risks of accidental damage that your policy covers. Homeowners insurance may assess the location of the house for crime rates or possible weather damage, not including natural water damages.

How to File a Homeowners Insurance Claim

When the loss occurs.

Creating a Home Inventory for Insurance Purposes

Keep it simple

Don’t attack the whole place at once. Deal with one room at a time, or inventory your goods by category, age, or price. The process can be consuming and tiring, so set a pace that works for you and isn’t overwhelming. Take the inventory seriously and make it as complete as possible.

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Can My Homeowners Insurance Insurance Be Cancelled If I Own a Pitbull?

Owning a “dangerous breed”

Owning a “dangerous breed” makes insurance carriers leery because they believe it’s more a matter of “when” the dog will attack rather than “if”, according to Howard Bergstein, president of independent insurance agency, Erich Courant & Co.

Does Renters or Homeowners Insurance Cover Items in Rented Storage Units?

Some policies limit coverage

For instance, some policies limit coverage for off-property losses to 10% of your total insurance policy. In other words, if you currently have $75,000 in personal property coverage under your homeowners policy, your stuff stored off-premises may be capped at $7,500.
Also, don’t expect your homeowners insurance or renters insurance to cover your stored items for loss due to flooding, mold, mildew, earthquakes, rodent or insect damage or negligent maintenance. Additional coverage would be required and may not be available.

Replacement Cost vs. Market Value of Home

What Does Market Value Mean?

To put it plainly, the market value is the amount a buyer would pay to purchase your home and land property in its current condition. While the land itself isn’t covered in most homeowners policies, its worth would be included in the home market value.