If you own a home you have homeowners insurance, if you own a vehicle you have auto insurance. We all pretty much know the basics of these policies but your Homeowners and Auto Insurance may offer more then you think.
On the rise, hackers are on the hunt for your information, these criminals can take your credit card, debit card, social security information and more. Once this is done, you will now be spending your time fixing your credit and reputation.
Under your homeowners policy you can report Identity theft and get help. Coverage limits vary, so contact our homeowners insurance agent to find out if you have it or can add it for a small fee and what coverage is best for you.
Off To College
If your child is a college student living on campus in a dorm, your homeowners policy may cover them for any items if there stolen. If your child is still a dependent, the dorm is considered an extension of your home and so the coverage applies. Before your child moves in take pictures and write down the information of that item such as serial numbers, make, model, etc, and keep in a folder. If other valuable items are purchased after they move in be sure to keep pictures of them also in case you need to make a claim. Contact one of our agents today for more information.
Flat tire, run out of fuel or locking your keys in the car, you need roadside assistance and this can be costly. Ask our auto insurance agents what type of roadside assistance is available on an auto policy.
Call us today to get your questions answered. 863-453-3903 or visit our website budgetbirite.com fill out the form and we will have an agent contact you within 24 hours.
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An SR-22 / FR-44 is a certificate used by the insurer to file the motorist’s policy with the state. You’ll need an SR-22 or an FR-44 if you’ve had a problem with your drivers license, such as a DUI, (Drinking Under the Influence), reckless driving or not carrying auto insurance. This is a major part of your journey as a driver to get back the privilege of driving.
An SR-22 is a form that is submitted by your auto insurance company to Florida’s Bureau of Financial Responsibility. This ensures that you have met the state of Florida’s liability limits. The state requires you to carry minimum liability limits of $10,000 in bodily injury per person and $10,000 in property damage. You will pay more for auto insurance because of your driving record. Plus, you’ll pay a $15 filing fee to submit the SR-22.
You may also be required to file an FR-44 which is similar to an SR-22 but the minimum liability is higher – the minimum requirements are $100,000 in bodily injury per person and $50,000 property damage. The cost to file the FR-44 is also $15 but again you will pay more for auto insurance because of your driving record and the increased liability limits. This form is referred to as Florida Uniform Financial Responsibility Certificate FR-44 or just FR-44 for short. You must maintain this filing for three years.
If you are required to fill an SR-22 or an FR-44, you will have to pay more for your auto insurance, but there’s no need to pay more than necessary. This is where an insurance agency like Budget Bi Rite comes in. They are able to help you find the policy you need at the cost you can afford. They will also assist you with filing for your SR-22 and FR-44 in their office.
Have Questions? Call us today to get your questions answered. 863-453-3903
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