Does my Florida homeowners insurance cover my bicycle?

Bicycling is a fun outdoor sport. In fact, cycling is a great way to get around. There are thousands of people who use a bicycle every single day. If you are one of them, it makes sense that you want to find out if your coverage is the best Florida homeowners insurance your bicycle.

So is my bicycle covered by my Fl homeowners insurance?

For the most part, your bicycle is covered. If you have a plain jane bicycle that you ride on trails or around the park, you will be covered. Remember personal property coverage is listed in your policy. That includes all of your personal belongings, which means your bicycle is included. However, if you own an expensive $3,000 dollar bike. You may need to double check your personal property limits. You may need to purchase an additional floater to completely cover your bicycle.

What is a bicycle covered for?

Every single homeowners insurance in Florida policy from someone like is different. You may come across a policy that only covers certain perils or one that covers them all. However, a base policy will be able to cover you against theft or fire and a few other perils.

What about my bicycle apparel?

Your cycling apparel is also a must-have if you are a cyclist.  Usually, it is considered to be personal property. Therefore it may be covered by the personal property section of your policy. However always ask an insurance agent if this is covered before assuming it is.

How is a claim paid for a bicycle?

Your Florida homeowners insurance will allow for you to file a claim for your bicycle. If your bike becomes damaged due to a covered risk in your policy you will need to know if your insurance will cover the replacement cost or actual cash value so you can know how much you will receive. If your policy includes replacement cost coverage, then you can receive the right amount of money to completely replace your bike. Below are the basic claim options that will determine how much you will receive during a claim:

  • Actual Cash Value: this cost will be depreciated at the time of the loss
  • Replacement Cost is the cost to replace the item, not including depreciation
  • Agreed Value is not as common. It is usually used if you have a special policy or add a rider to your policy

If you own a bicycle and store it at your home, your homeowners insurance in FL from will cover you. However, if you are a passionate cyclist and have all the bells and whistles consider purchasing more coverage. Better safe than sorry!

Florida Minimum Car Insurance, What Amount of Coverage is Required?

Florida is home to one of the busiest roads in the country, I-95. Even the scenic A1A coastal byway gets backed up as people drive down to Miami or even further to Key West, at the southern tip of the Sunshine State. More drivers equals more accidents. That’s simple math. The fact is everyone gets in car accidents eventually. While all states consider car insurance a legal requirement, the minimum amount of car insurance Florida drivers need can be vastly different. This is your go-to summary of Florida car insurance.

Minimum Amount of Coverage Required

It is required in Florida for all drivers to carry a minimum insurance policy on any vehicle they drive according to There are penalties, including fines ,if you fail to adhere to these laws. Florida is a no-fault state, meaning that your coverage will pay your claim up to a pre-set limit, whether the accident was your fault or the other driver’s fault. So, what is the minimum amount of Florida auto insurance required for drivers?

  • $20,000 in bodily injury for all persons per accident
  • $10,000 in personal injury protection
  • $10,000 in personal injury protection
  • $10,000 in bodily injury per person per accident

It is not required of Florida drivers to carry Collision and Comprehensive coverage or other types of additional coverage. However, opting for the additional coverage will help cover the costs of replacing or repairing the vehicle in the event of an accident. You should consider this type of coverage.

Penalties for Failure to Maintain Required Minimum Coverage

All states have penalties for failing to follow laws regarding vehicles, which includes traffic laws and laws requiring car insurance. The laws in Florida also requires policy holders to carry proof of policy in the insured vehicle and produce it at the request of a law enforcement officer. Failure to produce proper insurance documentation can result in a suspended license for up to three years, in addition to fines between $150 to $500. If you cause a car accident and don’t have the minimum amount of car insurance Florida residents are required to have by law, you can potentially be held financially responsible for the other driver’s injuries and property damage. If you don’t pay these damages, your driver’s license can be suspended until you do pay the damages.

New Driving Laws All Floridians Should Know

There are so many laws regarding driving that it can be difficult to keep up with the changes. If you break the law and get a ticket according to, that can affect your premium. Here are a few new and existing laws that you should be aware of before you get on the road.

  1. Many intersections in Florida have red-light cameras to photograph drivers who dangerously run through red lights. However, an update to the law allows drivers 60 days to pay the red light ticket. You can challenge the ticket in court, but if you lose, you will be required to pay the fine plus the court costs.
  2. All drivers are banned from using their cell phones for texting. The fines start at $30 and increase for every subsequent offense.
  3. If a vehicle is disabled on the right shoulder, Florida law requires drivers in the right lane to move over if they can do so safely.

Florida’s nickname might be the Sunshine State, but it is also the accident-prone state. It has one of the highest accident rates in the country. Good driving habits and maintaining the bare minimum coverage can help you achieve auto insurance Florida drivers need.

What Information is Needed for Renters Insurance Quotes Florida?

Renters insurance is important when you are renting a house or apartment. This coverage offers necessary protection for unexpected circumstances. This can include fire, theft, water damage, and wind damage. Without a renters policy, these situations can be even more serious because your items are not protected. If you live in a building with multiple units, a policy will also protect your items from circumstances caused by other renters.

If you need renters insurance in Florida, you should start by looking at quotes at This will help you to get an idea of what you can expect to pay for coverage. It will also help you to get familiar with rates and compare rates between companies. Before you look for renters insurance quotes Florida offers residents, you will need to have some of your information ready. This information is necessary so that you can get the most accurate quotes. Without it, your quote may be inaccurate so you will not get a good idea of the actual rate you may be paying. The information you need to have will include the following. Be sure to have it ready when the time comes to collect a quote. It will definitely save you more time.

  • Your zip code
  • Your address
  • How many people live in your home full-time
  • Estimated property value
  • Whether a business is conducted on the premises
  • The type of locks on your doors
  • Whether there are fire extinguishers and a sprinkler system
  • Whether there are smoke alarms
  • Whether there is a burglar alarm
  • Your insurance history and any losses you may have had

In some cases, providing this information about your property can save you money. This is because some of the questions cover important safety features that could make you less likely to have a fire or break-in. Often, you will need to provide your name, birth date, and contact information according to Like other types of policies, renters insurance depends on a number of different factors. For this reason, not everyone gets the same quotes. This is exactly why it is important to use accurate information when you are getting a renters insurance quote in Florida.

You can look at online sample quotes for renters insurance Florida tenants need, but keep in mind that these quotes are not accurate for you because they are not based on your information. This is why it is essential to get your own quotes. As you begin to shop for a renters policy, get a few quotes so you can understand the cost of a policy. Make sure you get proper coverage to protect your items from unpredictable circumstances, such as fire, theft, water damage, and wind damage.