Who Should Have Disability Insurance in Florida?

Just like health insurance, disability insurance is one policy you buy, hoping never to use it. But because life is full of surprises, you can’t take chances by assuming all will be well. Instead, invest in disability insurance from Martin Insurance Team located in Ft Myers, FL. This way, you will have made a huge step in protecting your future financial plan.

What is disability insurance?

Before going far, let’s get the basics out of the way. What is disability insurance? This insurance policy covers your income if you can’t continue to work because of factors like illness or injury. You may think that disability insurance is just for freak accidents, but it also covers things like personal injuries, cancer, and heart attack — things that you may not link with disabilities.

Who needs disability insurance?

Some states require employers to purchase disability insurance, but Florida isn’t one of them. However, this doesn’t mean you should risk going on without disability insurance. It would be best if you had this insurance plan to supplement your income when you cannot work.

You may think that your emergency fund is enough, but this can only sustain you for a few months. If your disability persists for more than one year, disability insurance gives you part of your income to cover your expenses and long-term care.

So, in summary, you need disability insurance if:

  • You rely on income and don’t have enough savings to carry you through when not earning
  • Your employer doesn’t offer this insurance plan
  • You need peace of mind because life is very unpredictable

Ultimately, everyone needs disability insurance because you never know when disaster will strike. And even if you have sufficient savings, the purpose of these savings wasn’t to step in when disabled. Let disability insurance do this for you.

Invest in disability insurance today!

Want to invest in disability insurance in Ft Myers, FL? You can trust Martin Insurance Team for all your disability insurance needs.

Health Insurance Benefits for your Family

We live in unpredictable times. Today you are healthy or okay, and tomorrow the story is different. The fact that no one plans to get hurt or sick should make you think twice about getting a health insurance policy. Health insurance is that safety net that protects you and your family financially when that illness kicks in. Besides the financial confidence of taking care of your loved ones, health insurance is beneficial in so many ways.

To that end, when you purchase health insurance from Martin Insurance Team in Ft Myers, FL, you get to enjoy the following benefits.

It protects your savings and assets

Some health conditions like cancer can wipe out all your savings to the extent of getting into your assets. That’s why health insurance is essential at all times, as no one plans for an illness. With good health insurance, your savings and assets can be used for the intended purpose.

It safeguards your family

Let’s talk about our aging parents, who are vulnerable to diseases. Ensuring that everyone in your family, including them, gets good medical treatment if they fall ill is essential. With a good health cover, you will not stress about medical expenses.

Offers preventive care

Health insurance offers preventive care that helps you stay healthy, like immunizations and annual check-ups.

Offers peace of mind

Nothing can beat the peace of mind. You see, no one is immune to an accident or an illness. Having a health cover allows you to live your life doing the activities you love knowing your health is protected.

Helps with medical inflation

As technology improves, the cost of treatment increases. The cost of diagnostic tests, consultation, theater, ambulances, or medicines is also rising. Without a sound health insurance plan, the costs could jeopardize your finances.

Buy health insurance near you

Health insurance is a no-brainer in a world full of uncertainties. It would be best to protect yourself and your family from any eventuality that could lead to expensive medical costs. If you live in Ft Myers, FL and its environs, contact Martin Insurance Team today for an affordable quote.

Types of Motorcycle Insurance

If you have a motorcycle, you may be struggling to find the right policy for your insurance. There are so many different types of insurance, and it can be very confusing. You need to read the fine print to make sure that you are fully protected.

Here are some types of motorcycle insurance you may want to consider.

Liability insurance is used to cover bodily injury and even property damage that may occur while you are out riding your motorcycle. It will also help you if you are sued, by covering your legal costs. Most basic motorcycle insurance policies consist of liability insurance only.

Motorcycle collision insurance will cover the cost to fix or replace your bike if you are in an accident. Unless you can easily replace your bike, you should consider getting some sort of collision insurance.

Comprehensive coverage provides coverage for anything that may occur when you are not riding your bike. This can include damage to the weather or fire. It will also cover theft and vandalism.

Uninsured and underinsured motorist insurance will protect you if you are in an accident with someone who doesn’t have enough insurance to cover your needs. It will step in after their insurance pays, or will pay the whole thing if they don’t have insurance at all.

Guest passenger liability coverage might be something else that you want to consider. It will cover the cost of the injuries of any passengers that are riding with you.

The best way to make sure that you have enough insurance is to talk to a professional. Don’t hesitate to contact us today at Martin Insurance Team in Ft Myers, FL. We will be glad to help you find the right coverage.

Florida Health Insurance: How to Get the Most of Your Coverage When You Are Healthy

Many Florida residents think that just because they are healthy, they don’t have to go to the expense of health insurance. It’s true that if you haven’t been to the doctor’s office in years, you won’t need as much coverage.
However, there are always things that might come up in life that could lead to an expensive visit or hospital stay.

At Martin Insurance Team, we want Ft Meyers, FL residents to have the health care they need, even if they don’t need very much.

Learn about how to get the most out of your coverage when you are healthy.

Dental, Vision, and Hearing

You may not need traditional health care coverage if you are healthy, but you will always need checkups for these things in life. If you don’t have any of these matters covered, you may be avoiding critical wellness matters that should be attended to. 

This is what health care coverage is for. You don’t need to spend a lot to get this kind of coverage. 

Additional Practitioners

If you are a healthy person, you can make yourself even healthier by taking advantage of the little perks in life that will keep the wellness machine going. Get a massage once in a while, go to the chiropractor for the odd headache you can’t be bothered to tell anybody about.

Take advantage of what health care coverage can offer you. You can get this in a health care plan. The cost of the coverage is much more affordable than paying for it yourself every time.

Get a Quote

You aren’t required to have health insurance in Ft Meyers, FL, but it’s never a bad idea to get it. It will be there when you need it.  It will be there for life’s extras as well. At Martin Insurance Team, we want you to be healthy all the time, and health care coverage will help. Call us for a quote today.

Your Florida Disability Insurance Frequently Asked Questions (FAQ) Answered

Disability insurance in Florida is an insurance policy that you can get through a private insurance company to cover you in the event that you become unable to work. You do not need to be disabled to qualify for it.

At Martin Insurance Team, we help Ft Meyers, FL residents get covered for the sudden events in life that can lead to a loss of income. That is what disability protection can do for you. 

Get answers to your frequently asked questions about disability insurance here.

What is Disability Insurance?

Disability insurance is income protection for you if you have to stop working for a little bit. If you have an injury or sickness where you have to take time off of work, you can file a claim on your disability insurance to collect a monthly amount of income replacement. 

This gives you some financial security in the event of a crisis. You can use it for whatever you want such as your monthly bills and necessities.

How Does Disability Insurance Work?

Disability insurance provides a certain amount of monthly income, established when you purchase the policy, when you become ill or injured. When you become disabled and can no longer work, you will file a claim on your disability insurance. 

The insurance company will send you a monthly check to serve as your income. The amount is typically 60 to 80 percent of your monthly income.

How to Qualify for Disability Insurance

You will qualify for disability insurance according to your age, gender, and overall health. If you don’t have a major illness already, or a preexisting condition, you may have a problem qualifying. Or, your premiums may be higher.

Women also typically file more claims on this policy than men, so premiums are higher for women. Age will also play a role as you are more likely to get sick when you are older, than at younger age brackets.

See if You Qualify

If you want income protection in the event that you become injured or ill, see if you qualify for disability insurance. At Martin Insurance Team, we help Ft Meyers, FL residents get covered for the protection they will qualify for. Call us for a quote today.

Explaining The Benefits Of Transportation Insurance

Martin Insurance Team offers insurance coverage to Ft Meyers, FL community, as well as the surrounding areas. We are an independent insurance agency. We understand that searching for insurance coverage can be complicated. That’s why we are committed to helping our clients find policies to protect their assets. We have a working relationship with multiple carriers throughout Florida.

Explaining The Benefits Of Transportation Insurance

As a Ft Meyers, FL business owner, transportation insurance helps alleviate some stress involved with moving property from one location to another. The type of coverage you need is based on the value of the items being moved from one location to the next. Common cargo includes food, auto parts, equipment, livestock, and steel. You can add transportation coverage to your commercial or personal line’s policy.

Transportation insurance covers your business if any items are damaged or mishandled while in transit. You are protected in the event of an accident, fire, or potential theft attempt. You can amend your policy to cover the items during the packing and unpacking process. Transportation insurance covers items moved by land, air, and water. Transportation insurance does cover items that are being moved abroad. Being held responsible for damaged or stolen cargo can cause significant damage to the reputation of your business. While there are multiple variables at play while shipping cargo, transportation insurance offers protection. Before you start the loading process, check each item to make sure that the goods are covered in your policy. Make sure that you have a proper assessment of each item’s declared value.

Martin Insurance Team Will Help You Protect Your Assets

Visit our website to learn more information about transportation insurance.

3 Risks of Riding Without Florida Motorcycle Insurance

Few things can match the thrill of a motorcycle ride. Unfortunately, riders are more susceptible to auto injuries. To that end, you will want to make sure you are rightfully covered both physically and financially in case of an unfortunate event. How so? By purchasing motorcycle insurance.

Even though motorcycle insurance is not a requirement in Florida, it’s highly recommended. Given the vulnerability of motorcycle accidents and the severity of injuries, it’s just wise to purchase one. But why should one purchase motorcycle insurance here in Florida, yet you can drive without one? Well, Martin Insurance Team explores the risks associated with operating your motorcycle without insurance.

Risk of being bankrupt

Insurance is a financial safety net. In case of an accident and you cause bodily injuries or property damage, you are financially responsible. Depending on the severity of the accident, this could cost you thousands of dollars. Not to mention lawsuits if you got sued. To be on the safe side, purchase motorcycle insurance from Martin Insurance Team.

Risk of facing severe consequences

If you are in an accident and at fault, the law requires that you be held financially responsible. Assuming the cost was too much to bear, and you are not able to pay. What would happen? Your driving privileges would be suspended, your registration suspended and having a civil judgment against you. Nobody wants that. Be wise and buy motorcycle insurance.

Risk of losing your entire investment

Motorcycles don’t come cheap. Unfortunately, one event can destroy your whole investment in seconds. Think of an event that you have no control over, like fire or a notorious driver on the road. Your sweet ride can be destroyed entirely or even stolen. Fortunately, with motorcycle insurance, the replacement is swift and hassle-free.

Motorcycle Insurance in Ft Meyers, FL

Would you like to purchase motorcycle insurance in Ft Myers, FL? Please look no further than Martin Insurance Team. Call us today for an affordable quote.

Required Commercial Insurance in Florida

In Florida, there are two commercial insurance types that are required for many businesses in the state. These two commercial insurance policies can help to protect your business, but they aren’t the only insurance policies that could be useful to your business. There are many other insurance types, including cyber insurance and general liability insurance, that you should look into before you get your commercial insurance. To get started, call us at Martin Insurance Team in Ft Meyers, FL.

Workers’ Compensation Insurance

This type of commercial insurance is required in Florida for businesses that have at least four employees. If you have four or more, it doesn’t matter if they are part-time or full-time- workers’ comp insurance is required. If your business is in the construction industry, however, there is a different standard. All construction companies must have workers’ compensation insurance if they have even just one employee. This insurance pays the expenses due when an employee has an accident and becomes injured at work. This includes paying their medical bills and any lost wages due to the accident. 

Commercial Auto Insurance

If your Florida business owns a vehicle, that vehicle has to have a commercial auto insurance policy. This coverage must include at least the minimum required amount for personal injury protection and for property damage liability. In Florida, personal injury protection coverage pays for your own medical bills. This lessens the incentive to sue someone for medical bills after an accident. If you want better coverage than the bare minimum, there are other coverage types that you can add to your policy. This includes collision insurance to cover your vehicle if you cause an accident and comprehensive insurance that covers off-road problems. 

Get Your Commercial Insurance Coverage

If you own a Florida business, make sure you know which commercial policies you need. Give us a call at Martin Insurance Team in Ft Meyers, FL to find out more. 

Home Insurance Add-ons to Consider

Whether you are buying a new home in Ft Meyers, FL, renewing your home insurance, or moving homes, there are many factors to consider when shopping for home insurance. While most homeowners concentrate on what their coverage covers, it’s crucial to know what’s not covered by your policy.

But why is this important? Understanding your home insurance exclusions helps you establish the add-ons to buy to strengthen your policy. Not sure what add-ons to consider? Although there exist numerous endorsements, Martin Insurance Team shares four add-ons that are worth your money. 

Flood insurance

Floods can cause unspeakable damage to your home. And the unfortunate thing is that your typical home insurance policy doesn’t cover overland flooding. However, to be on the safe side, it’s crucial to purchase individual flood insurance if you live in a flood-risk area. This coverage protects your dwelling and its contents, helping you avoid out-of-pocket expenses.

Sewer and drain backup

When the sewer lines overflow due to malfunction, clogging, snowmelt, or flooding, it may cause water backup that may cause damage to your dwelling’s floor and walls. While this damage can be expensive, the unfortunate thing is that conventional home insurance doesn’t cover it. However, you can purchase a rider to cover such risks. 

Sinkholes

You must have heard about sinkholes causing property damage. And since this risk is becoming increasingly common, it’s thoughtful to purchase sinkhole endorsement to ensure that your insurer caters to any resulting damages.

High-value items endorsement

Do you own high-value items like art, silverware, and jewelry? While your home insurance policy covers these risks, the protection is little. As such, you need to purchase a rider to protect your valuables from theft and other risks. 

Buy home insurance today!

Since home insurance is a must-have investment, don’t hesitate to purchase coverage from Martin Insurance Team of Ft Meyers, FL. Besides, we will advise on add-ons suitable for your situation.

Does Homeowners Insurance Cover Renters?

Renting out your Florida home is a great way to earn extra money during the months you are not living in the residence. With so many homes available for rent, homeowners in Ft Meyers, FL may be wondering if their homeowner’s insurance policies cover the renters in their Florida homes. Unfortunately, your basic homeowner’s insurance policy does not cover renters in your home, nor does it protect their property. 

For more information about how to get your renters covered, call the experts at Martin Insurance Team today. 

Does Homeowners Insurance Cover Renters? 

Homeowner’s insurance does not cover renters. It is a policy that protects the structure of the building and the landlord’s personal property. Your homeowner’s insurance policy does not cover your tenants nor their personal property. Therefore, it is best to recommend or require your tenants to purchase their renter’s insurance policies. 

Should I Get Landlord Insurance? 

If you plan to rent out your home, you should consider getting landlord insurance. This insurance is similar to homeowners insurance but designed to protect properties you do not live in. Coverage includes dwelling, personal poverty, and liability protection. Most homeowners insurance policies require you to live in the home, while landlord insurance provides the same coverage without you having to live there. 

Protecting Your Rental Property

When renting out your home, you want to make sure your property is protected. To ensure you and our rental property are protected against any unforeseen accidents, it is recommended you do the following:

  • Purchase additional liability coverage
  • Remove all of your personal belongings from the home
  • Check the property’s classification with the insurance company (ensure it is classified as a rental)
  • Get flood insurance
  • Make renters insurance mandatory for your tenants and get proof of it

When renting out your Ft Meyers, FL home, call the Martin Insurance team to discuss your options about landlord insurance coverage.