The right auto insurance policy in Florida can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with us to determine the best coverage for you.
Insurance for cars, trucks, boats and more!
Our independent auto insurance agents of Florida can insure your Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, and ATV too! Contact us for more information today!
How much auto insurance is right for you in Florida?
Based in Palatka, our independent auto insurance agents understands the auto insurance needs of Florida.
Auto insurance requirements vary by state. In some states, to drive you must carry:
Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.
Comprehensive Insurance (Other than Collision)
Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it’s not legally required by any state, you will probably need it if your car is financed.
Every situation is unique – talk to us today to find out how to get the best price and value on auto insurance for you.
Two-Wheeled Vehicles Defined
If you’re unsure about the registration and insurance requirements for your two-wheeled vehicle, please call Bobby at Millican Insurance at (386) 325-5793 for clarification.
Motorcycle―Motorcycles are generally the easiest of the two-wheeled vehicles to spot. Know that if your vehicle has an engine displacement of more than 50 cc, Florida considers it a motorcycle and you must register it.
Mopeds―Your vehicle is a moped if it has:
Scooters―Your vehicle is a scooter if it has:
ATV & Motorsport Insurance
With a good variety of coverage types available, you should be able to work with an ATV insurance provider to create a policy that can provide you with maximum protection. There are multiple types of coverages available that you can choose from to create a comprehensive ATV insurance policy. Common types of ATV insurance coverages include:
RV & Mobile Home Insurance
RV insurance can protect your motorhome, travel trailer, camper and even your horse trailer. Here at Millican Insurance Agency, let us help you select the right coverage for your RV needs and get a great price at the same time. Call us today at 386-325-5793 to get your free insurance quote.
Florida – Here are some things to consider when shopping for recreational vehicle insurance:
RVs that are for personal, recreational use can be insured for up to 250 days per year. This gives you plenty of time to travel south and enjoy some warmer winter weather or that extended vacation.
Liability coverage provides you with bodily injury and property damage coverage, medical payments, uninsured coverage and more.
Coverage varies by state.
You may be able to choose how your Comprehensive and Collision coverage will be settled in the event of a covered total loss. Options tailored to your needs can include:
Consider Vacation Liability coverage for when you stop driving and start using your recreational vehicle as a temporary residence.
Personal Effect Coverage provides replacement cost for damage or loss to items normally used with your RV when physical damage coverage is selected.
Some policies include Roadside Assistance, which has you covered 24/7 in the event of a breakdown or accident. Some will even allow you to upgrade the coverage to include lodging, transportation and meal coverage if needed.
Ask if customer assistance is available 24/7 to answer all your insurance questions. In the event you have a loss, the insurance companies we work with have skilled claims teams who will work with you to get your RV repaired and back on the road.
Other additional coverage can include: Accident forgiveness, pet coverage, diminishing deductible, and more.
Discounts can lower your premium. Ask us whether you qualify for safe driver discounts, original owner discounts, package discounts and more.
You can save money if you insure more than one item with a single company, including your home, cars, motorcycles, classic cars and boats. It will also simplify your life.
Condominium insurance is unique.
In Florida we experience tornadoes, tropical storms, hurricanes, lightening and more.
Your condo insurance policy covers your personal property and liability, as well as any additions, alterations and improvements you make to your unit that are your responsibility based on the condo association agreement.
Optional loss assessment coverage is also available to protect you against certain assessments that may be levied by the association. You would be compensated for additional living expenses incurred should you need to vacate your condo after a covered loss. Let Millican Insurance Agency help you find the right amount of coverage to suit your insurance needs. Call us today at 386-325-5793.
What you need to know about condao insurance in Florida
Condo insurance provides coverage for your personal property and much more. For a few more dollars, you can elect to carry Full Value Personal Property which ensures that you are reimbursed full replacement value without regard for depreciation after a covered loss.
If you have upgraded cabinets or put in hardwood floors, condo building item coverage protects these investments. Be sure to consult your HOA agreement to determine what the Association policy covers and what you are responsible for. If common areas are damaged, your condo association may levy assessments against all the owners to pay the deductible on their association policy.
Various limits of loss assessment coverage are available. Be sure to consult the HOA agreement to determine the potential for such assessments. Millican Insurance Agency can help you determine your coverage needs to make sure you’re properly covered.
Protect yourself and your guests
Your condo insurance policy protects you and your family members against bodily injury and property damage liability claims and any litigation that may result subject to the limits you select. In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available.
Extra coverage doesn’t have to cost a lot
Many people supplement their condo insurance coverage with personal umbrella liability insurance for broader protection. If you have special valuable items such as jewelry, art, antiques or collectibles, ask about our Valuable Articles option which provides broader coverage and no deductible in the event of a covered loss.
Find unique insurance that is right for your condo
Contact Millican Insurance Agency to identify the best combination of coverage, value, and price for you. We can help make sure your condo insurance continually meets your needs.
Since standard homeowners insurance doesn’t cover flooding, it’s important to have protection from the floods associated with hurricanes, tropical storms, heavy rains and other conditions that impact the U.S.
In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves. The NFIP offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP. Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding. Find out more about the NFIP and how it can help you protect yourself.
Learn about The NFIP Partnership.
Flood insurance protects two types of insurable property: building and contents. The first covers your building, the latter covers your possessions; neither covers the land they occupy.
Building coverage includes:
The two most common reimbursement methods for flood claims are : Replacement Cost Value (RCV) and Actual Cash Value (ACV). The RCV is the cost to replace damaged property. It is reimbursable to owners of single-family, primary residences insured to within 80% of the buildings replacement cost.
All other buildings and personal property (i.e. contents) are valued at ACV. The ACV is the RCV at the time of loss minus physical depreciation. Personal property is always valued using the ACV.
Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. Millican Insurance Agency can help you find the homeowner’s insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.
Insurance for All Kinds of Homes
Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Contact us for more information today!
Florida – What you need to know about homeowners insurance
Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, hurricanes or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
Homeowners policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.
Millican Insurance Agency is here to help you find the right insurance for your home
Whether you’re a home or condo owner, a renter, or a landlord, Millican Insurance Agency will work with you to find a home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price.
Your home insurance policy is most often made up of the specific options you choose, so how much you’ll pay for your policy depends on:
What you select. Oftentimes homeowners insurance options are priced individually, so how much you’ll pay for your policy depends on what coverages you buy.
How much you want to cover. Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
Where you set your limits. You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.
Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.
The Right Coverage. The Right Price. The Right Value.
The amount you pay for your homeowners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect.
Protection for Your Home
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
Protection for You and Other People
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.
When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.
This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
Additional Living Expenses
If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses-commonly for up to 24 months-while damage is assessed and your home is repaired or rebuilt.
Protection for Your Belongings
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.
Scheduled Personal Property Coverage
If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.
If You Rent Out Your Home
Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings. Visit our Landlord Protection Insurance page for more information.
BOBBY Millican SAYS: Protect the Things that Matter to You. Call us now (386) 325-5793
Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.
Every home is unique – talk to us today to find out how to get the best price and value on homeowners insurance for you.
Classic Car Insurance
It takes more than age to make it a classic. A collector car isn’t just a way to get around. It’s an investment that will continue to appreciate in coming years.
Not all classic or antique cars are used the same, so Millican Insurance Agency will work with you to select the appropriate policy to accommodate coverage needs, miles driven, vehicle age, and vehicle modifications to make sure you have the best policy to meet your needs. Here are some features below you should look for when shopping for classic car insurance.
Agreed Value: This means the provider will pay you the full (agreed to) amount in the event of a covered total loss, less any applicable deductible. This type of coverage is much better than “actual cash value” or “stated value” that you may get with some companies.
Low Rates:Why pay full-time insurance when you drive your collector car only part-time.
Coverage Options:Not all collector cars are the same, so Millican Insurance Agency can work with you to determine the right amount of coverage to meet your specific needs.
Generous Mileage: You’re proud of your collector car, so drive it. Not all insurance companies have a mileage limit, but most collector cars should be driven less than 5,000 annual miles to maintain their value.
Roadside Assistance:Whether your down the street or on a classic rally through the mountains, you’ll want to find coverage that will flatbed your car to the closest qualified repair facility.
Do you need the insurance for your prize Mustang, Camaro, Charger, Corvette, Thunderbird, or other collector car? Talk with Bobby today to identify the best combination of coverage, value, and price for you. We can help make sure your insurance continually meets your needs.
Millican Insurance Agency can help make your time on the water relaxed and worry-free!
We will find you comprehensive protection that protects you, your friends and family, your watercraft and your boating equipment. The average boat costs less than a dollar a day to insure. You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety your passengers, or your investment.
Florida – Do you know what to look for in a watercraft insurance policy?
Bobby at Millican Insurance Agency can help you determine the right amount of coverage to meet your specific needs. Just give us a call today at 38325-5793 to get started. Here are some items you’ll need to consider when shopping for boat insurance in Florida.
Navigational Area:- Know where you are covered in the water. Whether it is inland, or off the coastline of the Atlantic Ocean or Gulf of Mexico and even into the Bahamas. Some companies offer protection that covers you up to 75 miles from the U.S. coastline plus additional coverage area can be purchased.
Agreed Value Coverage: – Watercrafts depreciate just like automobiles. Actual cash value policies can make it difficult to replace a boat that’s been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it for, minus any deductible.
Liability – Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages and other costs incurred as a result of a boating accident for which you are at-fault.
Medical Payments – Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.
Physical Damage Coverage- Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer, if it is stolen or damaged.
Uninsured/Underinsured Watercraft Bodily Injury – Since boat coverage is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater, and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.
Fuel Spill Liability and Wreckage Removal – Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner you are required by law to have this cleaned up, which can be time consuming and expensive.
Personal Effects – Your policy can provide coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state – check with Reedley Insurance Agency for information. Personal effects coverage does not include jewelry, watches or furs.
Unattached Equipment Coverage – This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps etc.
Emergency Assistance – The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.
Every need is unique – contact Millican Insurance Agency today to find out how to get the best boat and watercraft insurance coverage for you.
You have a lot of things that are important to you – from your clothes and furniture to your sound system, sports gear, and computer. And you want to feel confident that everything you’ve worked for is not at risk. Let Millican Insurance Agency help you find coverage options that protect you, your family, and your personal property.
What you need to know about renters insurance in Florida
Your renters policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home. For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.
Protect yourself and your guests
Your renters insurance policy protects you and your family members against bodily injury and property damage liability claims and any litigation that may result subject to the limits you select. In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available. Let Millican Insurance Agency help you find the right amount of coverage to suit your insurance needs Florida.
Get the right amount of insurance coverage at the best price
Whether you’re starting out, between homes or downsizing, Millican Insurance Agency will help you pick the renters insurance coverage that best fits your needs. Give us a call today at (386) 325-5793 and get covered. Be sure to ask about available discounts including burglar alarm credits and the account credit for customers who package auto and/or umbrella policies with their renters policy.
Extra coverage doesn’t have to cost a lot
Whether you’re starting out, between homes or downsizing, we will help you pick the renters insurance coverage that best fits your needs. If you have special valuable items such as jewelry, art, antiques or collectibles, ask about our Valuable Articles option which provides broader coverage and no deductible in the event of a covered loss.
As a landlord, you want insurance that’s tailored specifically to protect your rental properties.
A Landlord Protection policy gives you choices when purchasing the insurance coverage you need.
What You Need To Know About Landlord Insurance in Florida
Rental property is a great investment, especially if you protect your assets with excellent coverage. Make sure that you and your property are covered when choosing a landlord protection insurance policy.
Landlord Protection liability insurance options protect you and your spouse or domestic partner against personal injury, wrongful eviction, or wrongful entry as well as other non-bodily injury claims such as libel and slander.
Extra Coverage Doesn’t Have to Cost a Lot
Many landlords supplement their coverage with personal umbrella liability insurance for broader protection. Talk to us today about the amount of coverage that’s right for you.