Name: 925 Partners Insurance Agency
Address: 12735 Gran Bay Parkway, Suite 130-B, Jacksonville, FL, 32258
Telephone: 855-925-1200

3 Tips for Buying Home Insurance in Florida

Posted on November 29, 2020November 29, 2020 by admin

Your home is a valuable asset, probably the most valuable asset you have in Florida. That’s why it is so important to protect your property in the event of fire, theft, or liability, for example. If you’re looking to buy your first home insurance policy, or upgrade an existing one, follow these three simple tips to help you get started. Read on to learn more.

1. Compare Several Quotes

It just makes sense to compare more than one home insurance quote with a reputable agent. Not all policies are the same, and you need to be aware of what you’re getting at what cost. Go over each quote in detail to fully understand the policy before making a final decision on the right one for you.

2. Bundle Your Policies

Have auto insurance? Life insurance? If so, talk to your insurance agent about bundling your policies under one carrier. This could get you a discount on your premiums. Insurance companies enjoy rewarding loyal customers, and this is one way they do it. Talk to your insurance agent in Jacksonville, FL about other ways to save, such as a senior citizen discount.

3. Work with a Reputable Agent

Navigating the insurance buying process shouldn’t be something you do alone. Instead, work with a friendly, reputable insurance agent to help you compare quotes, bundle policies, and find the right home insurance policies for your needs and budget.

To learn more about purchasing home insurance, contact 925 Partners today, serving Jacksonville, FL. Our agents are standing by right now to take your call and answer all your questions and concerns. 925 Partners can be reached right now at 855-925-1200.

Is getting classic car insurance in Florida a good idea?

Posted on October 31, 2020October 31, 2020 by admin

In the Jacksonville, FL area, there continue to be many people who love cars and dream of owning a classic or antique vehicle. When you own one of these cars, it will provide you with a prized possession that you can showcase and enjoy the appreciation as the years go by. If you are going to purchase a classic car here, you should consider getting a specialized classic car insurance policy. There are several reasons why this type of insurance is ideal for classic car owners.

Classic Car Coverage Reflects True Liability Risk

No matter what type of car you drive in Florida, you need to have liability insurance. If you are a classic car owner, you likely will drive it very infrequently. Due to this, the actual risk that you pose is minimal compared to the typical driver. If you invest in a classic car insurance policy, you will get the coverage that reflects this reduced liability risk.

Classic Car Insurance Protects Value

Another advantage of getting classic car insurance compared to a normal insurance policy is that it can cover your car’s true value. With a classic car, there will be a lot of collectible value, which you will want to be able to protect. When getting classic car insurance, you will negotiate with the provider to have this covered.

Getting classic car insurance in Jacksonville, FL is a good idea for any classic car vehicle owner. When you are shopping for insurance coverage, you should call 925 Partners. The team at 925 Partners can give you the guidance needed to understand this unique form of insurance. From there, you will be able to get into a policy that offers the right coverage for your situation.

Common Myths About Umbrella Insurance

Posted on September 29, 2020September 29, 2020 by admin

Umbrella insurance is additional coverage that protects already existing coverages and limits of other policies. It is a specific type of insurance that may be difficult to understand. One of the main reasons is that there are many misconceptions and myths about this type of insurance. In order to help you get more educated about it, 925 Partners, serving Jacksonville, FL, decided to debunk some of those myths:

Umbrella Insurance Is Extremely Expensive

In fact, the cost of umbrella insurance depends on the risk. When it comes to insurance, the higher the risk, the higher the price. Therefore, if you have expensive assets to insure, for example, or there are teenage drivers in the family, you will have to pay more.

Only Wealthy People Need Umbrella Insurance

It is wrong because umbrella insurance provides protection to everyone, including homeowners, car owners, and renters. Umbrella insurance is a guarantee that you will be covered in case of different injuries, and this can happen to anyone regardless of their financial status. The difference is that wealthy people can afford out of pocket expenses if they do not carry appropriate insurance.

Umbrella Insurance Can Replace Auto, Home, or Boat Liability Coverage

It is a myth because umbrella insurance works as additional coverage for those who already have liability coverage from auto, home, or boat insurance policy.

By debunking these myths about umbrella insurance, we hope you will be able to see more benefits of it. If you still have questions about this type of insurance and need some help, 925 Partners, serving clients from Jacksonville, FL and other surrounding areas, are ready to assist you. Do not hesitate to visit our office or give us a call for more information.

Life events that require you to rethink your life insurance

Posted on August 26, 2020August 26, 2020 by admin

Life insurance is one of the most important things people do to protect their loved ones. Nobody likes to think about their death, but if you do pass away, life insurance will take care of those you love. Life insurance needs to change over your lifetime, and some events require you to reassess the amount and type you have. Your insurance agent can help you out, and in Jacksonville, FL, 925 Partners is the one to call to make sure your life insurance meets all your needs.

Buying life insurance for yourself should begin when you get your first job. Your employer may provide some life insurance, but you should also get some yourself, so you never lose your coverage if you change jobs. The next life event requiring a rethink of your life insurance is the purchase of a home. If you have a mortgage, you don’t want to leave your family holding the bag. Having enough life insurance to cover your mortgage will take care of that.

Getting married is a significant life event, and part of your role in a marriage is to be sure your partner is always provided for. This goes for either partner, and making sure the name of the beneficiary on your policy is changed is also important.

When you welcome a child into your family, you start to think about the future. That future may include college for this child, and life insurance can help you to plan for that major financial event.

As you get ready to retire and look to your golden years, it is time to reevaluate what part your life insurance plays in your retirement.

Many life events happen and result in changes to your life insurance. 925 Partners in Jacksonville, FL will help you to determine the best way to make your life insurance work for you. Give us a call or stop by the office for a quote.

Three flood insurance mistakes to avoid to protect your property

Posted on July 29, 2020July 29, 2020 by admin

Flooding can cause extensive damage to Florida homes. That’s why it’s so important for homeowners in Jacksonville, FL to invest in a flood insurance policy.

When you purchase flood insurance, you need to make sure that you avoid making the following three mistakes.

Not understanding precisely what flood insurance covers.

One of the most important things to understand before you purchase a flood insurance policy is what it covers and what it doesn’t cover.

A flood insurance policy can’t be expected to cover every type of damage or asset. However, flood insurance should include things like your foundation, plumbing system, appliances, HVAC system, and carpeting.

Read the fine print to understand the exact extent of the coverage you’re getting.

Failing to compare quotes on flood insurance policies

Flood insurance providers will offer you quotes on policies without any commitment. For this reason, it’s important to get multiple quotes and to compare them. This will allow you to find the best flood insurance option for your particular needs.

Thinking you don’t need flood insurance because of your home’s location

Every home is designated as being in a particular flood zone. Some flood zones pose a greater risk of flood damage than others.

However, it’s essential to understand that every home could experience flood damage regardless of its location. It’s a good idea to invest in flood damage even if your home is not in an at-risk area. Homes that are not in high-risk areas often offer the benefit of relatively inexpensive flood insurance premiums.

Start exploring your flood insurance options with 925 Partners by giving us a call. We’ll find the right flood insurance solution for your home in Jacksonville, FL.

What Type of Auto Insurance Covers Vandalism?

Posted on June 29, 2020June 29, 2020 by admin

Auto insurance covers several types of occurrences. Theft and vandalism can occur at any time or place. The agents at 925 Partners offer residents in Jacksonville, FL a full line of auto insurance policies so they can purchase exactly what they need. Each agent can explain what type of policy is best for your vehicle and what kind of coverage is offered by each one. Florida requires that insurance be carried on all vehicles driven on public highways to ensure that all residents are protected from financial loss.

Comprehensive Covers It All

Comprehensive is the only type of full-coverage offered when it comes to auto insurance. Comprehensive insurance covers both theft and vandalism. Other policies only cover damage that is related to an accident or collision. Comprehensive policies are designed to compensate you (or your lender) in case your care is damaged in any way.

Damage Caused by Theft

Theft and vandalism often go hand in hand. If your car is broken into, there will more than likely be some type of damage. Damage can also be caused if your care is stolen. In either case, the only way to receive compensation for your damages is to have a full-coverage, comprehensive auto insurance policy in place.

At 925 Partners, the agents offer Jacksonville, FL residents the type of auto insurance policies they need to protect their vehicles adequately. Having full coverage on a newer car is essential and often required by your lending institution. Call and talk to one of the agents today to find out what type of policy is best for you. You can also schedule an appointment and visit our office for a policy review.

Is Commercial Insurance Required in Florida?

Posted on May 31, 2020May 31, 2020 by admin

There is no one-size-fits-all commercial insurance policy for your business in Jacksonville, FL. Still, some parts of commercial insurance will be required if you want to operate a business in the state of Florida. There are two types of commercial insurance required in the state, but an agent at 925 Partners can help you determine which coverage is best for your business, even if it isn’t required.

If you want to operate a business in Florida and have four or more employees, whether part-time or full time, then you will need to have workers compensation insurance. If you run a business in the construction industry, then you must have this type of commercial insurance, even if you have only one employee. Workers’ compensation covers medical bills for any work-related illnesses or injuries. If you have business-owned vehicles in the state, then you will also need to have a commercial auto insurance policy. The policy should have $10,000 for liability for bodily injury and $10,000 for property damage liability. Just like personal auto insurance, it covers property damage and injuries after accidents. Keep in mind that a personal auto policy will generally exclude you if you are using your car for commercial purposes.

Even if it is not required, it’s still best for businesses to have some added liability protection. General liability can be needed to cover common risks, such as customer injuries and property damage. Professional liability insurance can be used to protect you if your work depends on the expertise and includes things such as client lawsuits. Depending on the size of your business, you may be able to get a business owner’s policy to help you bundle general liability insurance and property insurance and protect your company against a variety of different business risks.

Contact 925 Partners in Jacksonville, FL to get a quote on commercial insurance.

Do I need to create a home inventory?

Posted on April 29, 2020April 29, 2020 by admin

Owning a home comes with a lot of responsibility. As a homeowner, you are responsible for the care of your home. Part of that care involves choosing the right home insurance. You want to make sure that you have adequate coverage and that you are dealing with a reputable company. At 925 Partners in Jacksonville, FL, we are Independent Agents, and we offer insurance products from the highest quality carriers in the business.

A home inventory is something that every homeowner needs to consider. While everyone hopes that they will never have to deal with a catastrophic event, having done a home inventory will allow the claim process to be a lot less painful. Most people have many more possessions than they realize. Imagine trying to remember what was in your linen closet after a house fire or a hurricane? It doesn’t take a lot of imagination to understand how stressful that would be.

A home inventory provides the proof you need to verify the things that were in a room before it was damaged or destroyed. Depending on how much damage there is, there may not be much left to remind you of all that you had. A home inventory is a combination of a list, photos or videos, and receipts. It should also include as much detail as possible.

It is bad enough having to go through a catastrophic loss, trying to reconstruct your home room by room and closet by closet is just too much to ask. So to answer the question, do I need to create a home inventory, the answer is yes and as quickly as possible. Be sure to store it away from your home in a safe place. When you are ready to discuss your home insurance needs, give us a call or stop by at 925 Partners in Jacksonville, FL for a no-obligation quote.

What are the Benefits of Classic Car Insurance?

Posted on March 30, 2020March 30, 2020 by admin

If you live in the Jacksonville, FL area and are a car lover, getting a classic car can be an ultimate dream. Since these are not typical vehicles, you need to get an insurance policy that is designed for the needs that come with a classic car. Several benefits come when choosing to acquire a classic car policy for your antique vehicle.

Appropriate Coverage Amount

One of the main advantages that come with getting a classic car policy is that you can get a proper level of insurance coverage. With standard auto insurance, a car is viewed as a depreciating asset, and your coverage will reflect this. When you have a classic car, you are going to want to get more coverage that reflects the market value of the antique vehicle. With a classic car insurance policy in Jacksonville, FL, you can negotiate with the insurance provider and get to an agreed-upon value that reflects the market value.

Risk Reflects Driving Habits

One difference between a classic car and a traditional vehicle is that you will drive the antique far less. You can get an insurance policy that reflects this reduced driving frequency. This can then result in lower insurance premiums for you going forward.

Picking a classic car insurance policy is a big decision. If you are confused about your options, it would be a good idea to contact our office. The team at 925 Partners can assist with any of your needs when it comes to choosing a classic car policy. 925 Partners is ready to partner with you and determine your needs. Contact our office for more information on how to get a quote.

3 Ways to Protect Your Assets with Umbrella Insurance

Posted on February 29, 2020February 29, 2020 by admin

If you have considerable assets, you may be a candidate for umbrella insurance. Umbrella insurance gives you extra liability protection above the limits of your home, auto or renter’s liability coverage. Liability coverage is the part of your insurance that protects you against injuries or property damage to other people in accidents you cause. If you cause an accident where injuries or damage exceeds that of your primary liability coverage, umbrella insurance will pick up where your other policies leave off. In this case, umbrella insurance from 925 Partners in Jacksonville, FL can protect your valuable assets from serious mishaps you may be held responsible for.

Here are three ways an umbrella policy can benefit you:

Bodily Injury – If you’re found at fault for a home or auto accident that causes severe injuries to someone, you could be held responsible for paying his or her medical costs. The high cost of hospital and doctor bills could easily deplete the limits of your home or auto liability coverage. If so, umbrella insurance will kick in to pay for remaining medical costs, saving you from financial loss.
Property Damage – In like manner, umbrella insurance can be used to pay for damage to others’ property in accidents you cause. Umbrella coverage begins once the limits of your primary liability coverage have been exhausted. This saves you from dipping into savings, retirement, or investment funds to cover these costs.
Actions that Can Lead to Lawsuit – If you’re found guilty of slander, libel, or other acts that cause people extreme mental anguish, you could be sued for damages. Umbrella liability insurance can help cover your legal costs and settlement, up to the limits of your umbrella policy.

To learn more about umbrella insurance and the benefits it has to offer, call us to visit us at 925 Partners in Jacksonville, FL.