Do I need auto insurance in Florida?

The Okeechobee, FL area is a popular place for people to move to and visit. This area offers an incredible amount of local amenities. To ensure that you can enjoy the area as much as possible, owning a vehicle could make a lot of sense. If you are going to get a car here, it is vital that you get the appropriate insurance policy. There are several reasons why you will need auto insurance here.

Provides Valuable Coverage

One reason why you need to get auto insurance in Florida is that it can provide you with very valuable coverage. A full auto insurance policy will give you both liability, collision, and comprehensive insurance coverage. This means that you will be covered if you cause an accident or if your vehicle is damaged and you incur a loss.

Coverage is a Requirement

Another reason why you need to get auto insurance is that it could be a requirement for you. Anyone that drives a car will need to comply with state laws regarding auto insurance. Additionally, if you have taken out a loan to purchase a vehicle, there is a good chance that you will need to maintain full insurance coverage. 

When you are in the Okeechobee, FL area, it is very likely that you will own a car and need auto insurance. When you are in the market for your next auto insurance policy, you should call the team at Pritchards and Associates, Inc. The insurance team at Pritchards and Associates, Inc. can help you to assess your insurance needs to make sure that you choose a policy that offers you the right coverage. This will ensure your vehicle is protected and that you are in compliance with all requirements. 

Important insurance policies all small businesses should consider

All small business owners in the Okeechobee, FL area must protect their businesses with a comprehensive insurance package. Since no one business has the same needs, it is critical to design a policy package that is right for your business. The agents at the Pritchards and Associates, Inc. would be delighted to have the opportunity to build a custom insurance solution for your business. Below is a list of coverages all small businesses should consider. 

Commercial General Liability 

All small businesses should consider a liability policy to protect against claims made by third parties. A liability policy is critically important if you run a business in which customers come to your business as there is potential for slip and fall claims. A general liability policy might even be a requirement of your lease. 

Professional liability 

Professional liability will protect your business against claims that you were negligent in your work or that your business failed to perform. 

Workers compensation 

For many businesses, workers’ compensation will be required by state law. Even if it is not required, a business should consider this coverage to protect your business in the event an employee is hurt on the job. 

Product liability 

If you own a product-based business, you must consider product liability. Even if you believe you take every precaution to ensure that your product is safe, there is always a risk, and a liability policy will protect you in the event of a claim. 

Auto insurance  

If your business has company vehicles, it is imperative that you have an auto insurance policy. It will protect your business against liability in the event one of your vehicles causes an accident 

If you are interested in putting together a comprehensive insurance plan for your company, reach out to an agent at the Pritchards and Associates, Inc. today. We proudly serve the small businesses in the Okeechobee, FL area. 

How Often Should I Revise My Home Insurance Inventory?

An insurer like Pritchards and Associates, Inc. can only protect everything inside your Okeechobee, FL home if they know what’s inside your home. This means that you need to keep an inventory and update it every now and then so that your agent can adjust your policy to cover all your new stuff. There are essentially two points of an update to consider:

  • Whenever you’ve made a large purchase. New fridge? New TV? Take some photos, get the receipt, and let your insurance agent know. Whenever you make a big purchase, it’s a good idea to update your insurer at your next convenient moment. It might not be a big deal to lose a brand new necktie a week after you’ve bought it, but to have a TV ruined in a small fire before you added it to your policy, that can be frustrating.
  • Once every six months to a year. A lot of our possessions are accumulative. That is, we don’t go out and buy a Blu-Ray collection worth a car payment, we buy one Blu-Ray disc at a time until it all starts to add up. This is what your annual or semi-annual checkups are for. It’s a good idea to document with both photos and videos. The video will catch things you might not think to include, and you’ll be glad you caught your sneaker collection on tape if you forgot to add those new Nikes to the list.

Your insurance provider is there to help you out in the event of a disaster, but they can’t cover you unless they know what they’re covering. If you’re still shopping around for an insurer in Okeechobee, FL, call Pritchards and Associates, Inc. or visit our office to get in touch and see what they have for you.

Our Doors Are Open! (COVID-19 Update 05/04/20)

We understand how important insurance protection is to you and your family. That’s why Pritchards And Associates has re-opened our doors for in-person consultations and transactions, effective May 4, 2020.

We also take seriously the safety and health of our clients and staff, so we have instituted additional processes and protocols.

Please Note:

  • Appointments are highly encouraged, as we are allowing only a limited number of people inside the offices at one time in order to ensure social distancing.
  • All matters can be handled via email and phone. Use of these technologies is encouraged.

Thank you for your understanding, and please remain diligent as we navigate this situation together.

Sincerely,

Pritchards And Associates

What Are the Benefits of Recreational Insurance for Your Vehicle?

When you save up enough money to put a down payment on a recreational vehicle, it allows you to hit the trails or waterways in style. To give you peace of mind as you begin your trek, a review of your insurance can give you the confidence to roam without worry. If you need insurance for your recreational vehicle, contact Pritchards and Associates, Inc. in Okeechobee, FL to find the best options for your needs. Meanwhile, learn more about the benefits of RV insurance below.

What Is Recreational Vehicle Insurance?

As with coverage for your truck or car, a recreational insurance plan reimburses you for physical damage to off-road vehicles in case of an accident or burglary. If you experience an accident, recreational insurance added to your auto insurance policy may cover you for bodily injury and property damage.

Benefits of Recreational Insurance

Recreational insurance is easier to understand by comparing it to auto insurance. Like car insurance, your recreational policy covers events such as collisions and some natural events, including hailstorms. You can file a claim after a covered peril and receive compensation up to the maximum insurance limit.

However, unlike car insurance, recreational plans extend your vehicle protection beyond accidents and theft. Some policies cover appliances in your RV. Others protect off-road vehicles such as golf carts and ATVs. There are a lot of options to find coverage to protect all your recreational vehicles, and your insurance agent can help you find the policy that’s perfect for you. 

Contact Pritchards and Associates, Inc. in Okeechobee, FL to learn the best way to meet all your vehicle insurance needs. Set up an appointment for a full review of your current policy to find out if better options are available. 

What Type of Insurance Do I Need If I Live in My RV?

In Okeechobee, FL, the agents at Pritchards and Associates, Inc. work with many individuals who live in their RVs. After years of owning a home and maintaining the property, they now live their lives traveling the open road and enjoying retirement. This poses a problem for some, however, when it comes to how they should insure their new "home." While it is genuinely their own version of home, it is one they can travel in as well.

Your Home Is Mobile

When your home is mobile, you need to have an insurance policy in place that covers it while it is traveling on the highways. This means that the insurance policy you have in place must also meet the same minimum standards for a vehicle that you drive on the highway. As long as you are driving your RV from place to place, it must be covered by an auto policy that will allow it to be driven on the roads.

Protect Your Home

Because you live in your RV, you must also have coverage for your possessions and also be able to cover any liability that you may need. Your RV insurance policy will bring both policies together so that you are fully covered in all of these areas.

At Pritchard and Associates, Inc., the agents can explain how RV insurance works to the residents of Okeechobee, FL. If you are living in your RV, you need to be fully insured! Call and schedule an insurance policy review with one of the agents so that you fully understand what an RV policy is and how it works.

We’re Here For You … COVID-19 Update, 03/27/20

We understand how important insurance protection is to you and your family. We also take seriously the safety and health of our clients and staff.

Therefore, Pritchards And Associates is currently serving clients via telephone and e-mail only. Thanks to technology, this does not diminish our ability to handle your needs. There is also a kiosk outside each office for accepting payments if necessary.

This policy will remain in place until further notice.

Thank you for your understanding, and please remain diligent during these times.

Sincerely,

Pritchards And Associates

Toll Free – (877) 763-6625

pritchardsinc.com

We’re Here For You – (COVID-19)

We understand how important insurance protection is to you and your family. We also take seriously the safety and health of our clients and staff.

Therefore, effective March 18, 2020, Pritchards And Associates will be serving clients via telephone and e-mail only. Thanks to technology, this will not diminish our ability to handle your needs. There will be a kiosk outside each office for accepting payments if necessary.

This policy will remain in place until Monday, March 30, 2020, when we will re-evaluate.

Thank you for your understanding, and please remain diligent during these times.

Sincerely,

Pritchards And Associates

Motorcycle Training: A Must for New Riders

If you’re new to motorcycle riding, you can significantly benefit from taking a motorcycle training course to learn safe, defensive techniques for riding. Motorcycle training gives you much-needed practice on your new motorcycle to help you gain confidence on the road. The more riding experience you have, the higher your chances of preventing accidents. At Pritchards and Associates, Inc. in Okeechobee, FL, we encourage new riders to sign up for motorcycle training and take advantage of all that it has to offer. Motorcycle training combined with motorcycle insurance from Pritchards and Associates Inc. can help protect you against motorcycle accidents on the road.

What Can a Training Course Offer New Riders?

Motorcycle training courses are designed to help new riders develop the skills and techniques they need to be a confident rider. Depending on the course you take, training may consist of the following:

  • Motorcycle knowledge and control
  • Defensive techniques for safe riding
  • Hands-on experience in handling different types of motorcycles
  • Training exercises in learning how to brake, accelerate, shift gears, make turns, change lanes, and navigate your bike safely around objects
  • Valuable experience in riding over different types of terrain or in different scenarios

Benefits of Motorcycle Training

During motorcycle training, you have the opportunity to work with experienced riding instructors who can teach you the ins and outs of riding. You hone riding skills in a safe, controlled environment with a reduced risk of accidents and a gain of valuable experience that will make you a more confident rider once you get out on the open road. Your instructor can also provide valuable input on buying a bike or getting your motorcycle license.

Completing a motorcycle training course can also qualify you for discounted insurance coverage. To learn more about motorcycle insurance coverage and costs, contact Pritchards and Associates, Inc. in Okeechobee, FL.

How Boat Insurance Protects You Financially

Many Floridians take advantage of the natural beauty that the state offers around its lakes and waterways. It is a great time for water sports and fishing, but there are times when things can go wrong. Both the boat and the people enjoying it need insurance coverage when out on the water. Our agents at Pritchards and Associates in Okeechobee, FL will work with you to select the right coverage for your situation. 

Many homeowners believe that their boat is automatically covered by their home insurance policy. In rare circumstances, small watercraft can be covered by this. It is an exception to the rule. Most need a separate boat insurance policy, though. This is especially important for larger boats that sail in international waters or those used for sports.

The policy will have liability coverage and cover any damage to the boat. This means that if someone is injured on the boat and they decide to sue, the owner is financially protected. It also covers damage to mechanical equipment. Acts of vandalism and all of the contents of the boat, such as personal possessions and sporting equipment should also be included. You may also consider uninsured/underinsured boaters’ coverage. One last thing to talk with your agent is about whether to choose a policy option of ‘agreed value’ or ‘actual cash value’. These terms mean the insurance company will either pay out a pre-determined amount or the vessel’s original value less depreciation. 

At Pritchards And Associates in Okeechobee, FL, our agents are knowledgeable about boat insurance. We will discuss your many options and help you select the coverage that makes the most sense for you and how you enjoy your boat. We will take the time to explain every option so that you understand what you are getting. Your boat is an investment. Contact our office by phone, then come in for a visit with our agents. The time to protect your boat is today!