How to Choose the Right Auto Insurance Policy for Your Needs

In the Deerfield Beach, FL area, ensuring you have a reliable and efficient way to get around the community is smart. This can mean investing in a vehicle. When you are looking to buy a car, you need to ensure you also get the right insurance. There are various factors to consider when shopping for an auto insurance plan. 

Consider Requirements

One of the factors that you will want to think about when building a plan is what your requirements are. All drivers in Florida will be required to carry liability insurance when driving, which is a state requirement. Many drivers will also take out an auto loan when buying a car. When this happens, you will need to have an insurance plan that meets your loan requirements. 

Level of Coverage

You should also consider the level of coverage you need. All drivers must carry liability insurance, but investing in comprehensive insurance can also be a good idea. When you have a full collision and a comprehensive policy, it will protect your vehicle. This will ensure you can repair or replace your car if you have incurred a loss due to theft or accident damage. 

Anyone in the Deerfield Beach, FL area will want to ensure they have proper insurance support. When you are looking for this coverage, it can be helpful to call our team with Deboo Insurance Agency Inc. There are a lot of important choices to make as you are looking for coverage. Our Deboo Insurance Agency Inc. team can provide the support you need to build your next policy. 

Keep Your Business Protected from Financial Harm with Commercial Insurance

If you’re a new Florida business owner, you already know that starting and running a business can be challenging. Deboo Insurance Agency Inc. in Deerfield Beach, FL can help! 

Keep Your Business Protected with Commercial Insurance in Florida

Commercial insurance can help Florida business owners avoid being stuck in a financial bind when unexpected business shutdowns, natural disasters, or theft happen. 

Most commercial insurance policies are affordable and can even be bundled with existing policies. 

Commercial Insurance Policy Types

If you’re new to the business world, you probably don’t know that not all business insurance is the same.

Understanding the differences between commercial insurance types is essential to make an informed decision when choosing your policy. 

Below are three examples of commercial insurance coverage for businesses of all sizes to protect their financial assets. 

  • General Liability Insurance: This commercial business insurance safeguards your business finances from lawsuits and damage claims when people are injured due to doing business with you. 
  • Property Insurance: Business owners have more peace of mind knowing their business assets, buildings, equipment, and inventory are protected. 
  • Worker’s Comprehension Insurance: Regardless of the size of your business, having workers comp insurance can help protect your business and provide supplemental income when your employees are injured at work. 

Get Commercial Insurance in Florida 

Don’t wait until the unexpected happens! Be proactive and get business insurance to cover your assets and business property. Some commercial policies offer add-ons to help you protect against theft of intellectual property and cybercrime. 

A knowledgeable insurance agent can answer your questions about commercial insurance and help you choose the best commercial insurance policy for your needs. 

Contact Deboo Insurance Agency Inc. in Deerfield Beach, FL for a free commercial insurance quote today! 

Four things you should know about home insurance

Buying a house, especially your first home, is always exciting and stressful. Before you buy your home, there are some things you need to know, including whether you need insurance and what types of coverage are available.

You need home insurance if you have a mortgage.

The top thing on your mind might be whether you are required to have home insurance. Most states do not require home insurance, but if you have a mortgage, your lender will most likely require home insurance.

Not all policies are created equal.

You might be surprised at how many people think all home insurance policies are the same. This is not necessarily true. There are many options to choose from and different coverage types that you can have or do without. Some insurance companies include certain coverage types that other companies do not cover. You have to shop around to find the right insurance policy for your needs.

There are some things home insurance will not cover.

Although most policies cover lots of things, there are some things that home insurance does not cover. Hail storms, flooding, maintenance, and earthquakes are some of the most common things home insurance doesn’t cover.

What types of coverage are available?

While home insurance has a variety of things that aren’t covered, most basic home insurance policies cover the following:

  • Dwelling coverage
  • loss of use
  • Other structures
  • Bodily injury and property damage liability
  • Personal belongings

Contact Deboo Insurance Agency Inc.

Most lenders require home insurance. If you are in the market for home insurance, stop in or contact us at Deboo Insurance Agency Inc. in Deerfield Beach, FL.

Does My Car Insurance Cover Hurricane Damage in Deerfield Beach, FL?

Here in Deerfield Beach, FL, we know how devastating hurricanes can be. The destruction these intense storms can cause to your car and property is immense, from massive flooding to powerful winds. So if you’re a driver in Deerfield Beach, FL, you’re likely wondering: does my car insurance cover hurricane damage? Let’s explore this topic further. 

What Does Comprehensive Coverage Include? 

Comprehensive coverage is one of the essential types of coverage you should have on your car insurance policy. It typically covers any damage caused by hail, fire, theft, or vandalism, as well as any damage caused by a hurricane or other severe weather-related event. In addition, comprehensive coverage may also cover expenses associated with repairs to your vehicle due to flooding caused by a storm. 

It is important to note that some policies may not cover certain types of damages, such as water damage from flooding or tree/debris removal after a storm. Hence, reviewing your policy thoroughly and understanding what is covered and what isn’t before disaster strikes is essential. If you need help with your coverage, contact Deboo Insurance Agency Inc. We have knowledgeable agents who can help you understand your policy and any specific coverage exclusions.

Do I Need Additional Coverage?   

Despite having comprehensive coverage on your policy, there may still be instances where extra coverage is needed for complete protection against hurricane-related damages. For example, suppose you live in a high-risk area. In that case, your insurance provider may require additional coverage to protect against significant property damage or the cost of replacing your car after a hurricane.

Drivers in Deerfield Beach, FL, should contact Deboo Insurance Agency Inc. to help find the right coverage for their car insurance policy.

What commercial insurance can cover in Florida

Commercial insurance can help protect businesses from a variety of potentially disastrous incidents. Commercial coverage often includes property damage, personal injury, legal liability, and other types of damage that could have a severe financial impact on your business. Generally speaking, commercial policies are designed to cover anything that may happen to your business that could result in significant losses or damages. This includes things like theft, vandalism, and fire. It can also have more specialized types of protection, such as product liability coverage or professional indemnity insurance if you provide specific services. In addition, some policies may even offer extra protection for particular types of risk associated with specific industries, such as cyber security threats for technology businesses.

Businesses need to consider the risks they face and the best way to protect themselves. With the right commercial insurance policy from the Deboo Insurance Agency Inc. in the Deerfield Beach, FL area, you can rest assured that your business is protected from unexpected events and their associated financial losses. You’ll also have peace of mind knowing that you’re covered should anything happen to your staff or customers while they are on the premises. Investing in a comprehensive plan will ensure that any such incidents don’t harm your bottom line.

No two businesses are alike, so finding an insurance provider who understands your unique needs and can help tailor a policy to fit them is essential. Researching providers and comparing policies could make all the difference in helping you feel confident about protecting what matters most: your livelihood.

Get started today by calling us at Deboo Insurance Agency Inc. today. We proudly serve the Deerfield Beach, FL area. 

How Home Insurance Protects You

It’s exciting when you buy a home, but there’s a lot to do. The first thing we recommend you do is purchase insurance for your new home. Your mortgage lender probably told you they require this insurance to be in place when you buy your home. It’s good to set it up even before your closing appointment begins. When you need home insurance, you can call us at Deboo Insurance Agency Inc. in Deerfield Beach, FL.

Protection for Your Home

One of the many types of protection in a home insurance policy is protection for the house. This coverage will go over what kinds of damaging events it will cover you against and which types it won’t. It will cover various events, such as accidents and specific types of disasters. If you don’t have home insurance and your home becomes damaged by one of the covered events, you would be on your own to pay for all the damages and repairs. With home insurance, those repairs will be paid for. 

Protection for Your Things

You have a lot of belongings in your house, and your home insurance covers those as well. When added up, your things have an enormous value, which needs to be protected with a home insurance policy. Damaging events can also destroy your possessions, and your policy will pay for replacing them. Without this coverage, life could be very difficult when you have to pay for everything out of your own pocket. 

Get the Protection of Home Insurance

If you’re buying a home or want to change insurance companies, you need a home insurance policy. Call us at Deboo Insurance Agency Inc. in Deerfield Beach, FL.

Three reasons why your auto insurance policy should include comprehensive coverage

Motorists should understand the importance of having comprehensive coverage as part of their auto insurance policy. If you’re a motorist in Deerfield Beach, FL, and you’re looking for comprehensive coverage for your vehicle, we can assist you at Deboo Insurance Agency Inc. 

The following are three reasons your auto insurance policy should include comprehensive coverage. 

Collision coverage will not compensate you for certain types of damage.

Your insurance policy should cover any damage your vehicle could experience so that you can protect your vehicle’s value. If you only have collision coverage, your car could be extensively damaged in an incident that won’t be covered under the terms of your policy. 

Comprehensive coverage can cover you in many situations where your collision coverage won’t cover you. 

Auto damage from incidents involving theft and vandalism is not uncommon. 

The types of auto damage that comprehensive coverage covers tend to be pretty common. Incidents involving vandalism or theft frequently cost motorists a lot of money. These are some of the most frequently occurring auto damage causes that comprehensive insurance covers. 

Lenders will typically require comprehensive coverage for those who take out auto loans. 

Many motorists purchase their vehicles by taking out an auto loan. Lenders require borrowers who take out auto loans to insure their vehicles. Lenders will typically require borrowers to buy not only collision coverage but comprehensive coverage to cover any damage to their vehicle. 

Are you interested in getting a quote on an auto insurance policy that includes comprehensive coverage? Call or email us at Deboo Insurance Agency Inc., and we’ll provide you with information on comprehensive insurance options in Deerfield Beach, FL. 

Does commercial insurance cover delays in the supply chain if I can’t meet production requirements?

If you’re a Deerfield Beach, FL business owner, you know that a million things could go wrong on any given day. You work hard to mitigate risks and plan for the unexpected, but sometimes things happen beyond your control. Does your commercial insurance policy cover the loss if you can’t meet production requirements because of a delayed shipment? 

How Does a Supply Chain Delay Impact My Business?

If you’re unable to meet production requirements because of a delayed shipment, it can significantly impact your business. For one thing, you may have to cancel orders or delay shipments to your customers. This can lead to lost revenue and damage to your reputation. In some cases, you may even be liable for breach of contract. 

What Does Commercial Insurance Cover?

The first thing to remember is that every policy is different, so it’s important to speak with us to find exactly what’s included in yours. That said, most commercial insurance policies will cover some or all of the following: 

  • Lost revenue due to delayed shipments 
  • The cost of hiring an outside company to meet production requirements 
  • Breach of contract penalties 
  • The cost of expediting shipments 
  • Reputational damage 

Remember that there may be limits on the coverage available, so it’s important to find out what those are before you purchase a policy. 

Does your commercial insurance policy cover the loss if you can’t meet production requirements because of a delayed shipment? In most cases, the answer is yes—but it’s important to check with Deboo Insurance Agency Inc. if you don’t have commercial insurance, now might be the time to call us!

Why You Need Home Insurance

Buying a home is an exciting time. There is a lot to do and a lot of business to take care of. During this busy time, don’t forget that you need a home insurance policy to protect yourself. Home insurance includes coverage against a wide range of potential risks to your home. It protects you in several ways, and it’s never a good idea to be without it. When you need this vital protection, call us at Deboo Insurance Agency Inc. in Deerfield Beach, FL to get started with a policy.

It Protects Your Home

As your most significant investment, you need protection for your home. If a serious event were to damage your home, you could be out enormous money to get the repairs made. That’s why home insurance is essential. It pays for those repairs so you can get them done without ruining your finances or waiting to get them done. 

It Protects Your Belongings

Your possessions are also protected with this insurance policy. Everything in the home is covered when you have this insurance. If something destroyed what you own, the policy would pay for those items to replace them. Without home insurance, this would cost a prohibitively large amount. Even if you don’t think you need coverage for your things, it’s essential to have it. You may be underestimating just what all of your possessions are worth. 

Get Covered by Home Insurance

If you need home insurance, don’t put it off. Getting it as soon as possible is important, so you aren’t left without protection. To get your coverage, call us at Deboo Insurance Agency Inc. in Deerfield Beach, FL, and we can help. 

Why Choose Full Coverage Auto Insurance

When many clients contact Deboo Insurance Agency Inc. to insure their automobiles, they want to save money. Florida requires auto insurance for each driver, so residents of Deerfield Beach, FL must carry it if they’re avoiding tickets.

Why Full Coverage?

You may request a quote for the minimum state insurance coverage, but invariably, we include an option that offers you a quote for full coverage. We don’t do this to try to oversell you, but because most of our customers ask for what will save them the most money. That’s full coverage in most cases.

Now, we don’t mean that the premiums would cost the cheapest. It saves you the most in the long run because it covers everything.

Florida’s weather regularly damages vehicles with hail, high winds that blow debris into the vehicles, and flash floods. Single car accidents can wreak major damage on a car, truck, or SUV, but minimum coverage doesn’t pay for that. Neither does it pay for a deer that hits your vehicle.

The Problem with Minimum Coverage

Minimum coverage only looks out for the other drivers’ vehicles. You must pay for any damage your vehicle incurs out of pocket as long as you caused the accident.

Carrying full coverage means that besides the required liability and property damage, your policy includes comprehensive, collision, roadside assistance, and vehicle rental coverages. Regardless of who causes the accident, your insurance will cover the damage. If your vehicle gets stolen, your full coverage policy covers that, too.

If you drive a used car with a value of $1,000 or less, you could probably replace it with a similar vehicle without insurance. However, if you drive a new car, you must pay off the auto loan and purchase a new one. That costs more than $20,000 out of pocket, making full coverage auto from Deboo Insurance Agency Inc. a bargain. Contact our office serving Deerfield Beach, FL today.