Auto Insurance

Liability Coverage
Bodily Injury Liability Protection- provides coverage if you or a covered driver are legally liable in an auto accident in which others suffer bodily injury or are killed.
Property Damage Liability Protection- provides coverage if you or a covered driver are legally liable for damages to another's property, including loss of use resulting from an auto accident.

No-Fault (Personal Injury Protection) Coverage
Provides coverage for 80% of reasonable and necessary medical expenses, as well as coverage for income loss, loss of services and funeral expenses resulting from bodily injury sustained by you, y our covered passengers, or covered family members in a covered motor vehicle accident, regardless of the insured negligence. This coverage is automatically provided in your policy in an amount at least equal to the minimum limits required by Florida law.

Uninsured/ Underinsured Motorists Coverage
Provides coverage if you, covered family members, or your covered passengers suffer bodily injury or are killed in an accident involving a legally liable uninsured or underinsured driver.

Collision Insurance
This coverage helps pay for damage to your insured vehicle caused by a covered accident with another vehicle or a collision with most anything else, such as a tree.

Comprehensive Coverage
Provides coverage for direct and accidental loss to your covered vehicle (up to the actual cash value) caused by falling objects, fire, theft, vandalism, and many other non-collision losses. A deductible may apply to this coverage.

Home Insurance

Is your home covered against flood damage?
Did you know that during the course of a 20 year mortgage you have a 26% chance of experiencing flood damage? Even if you don't live in a high –risk flood zone, you may still experience flooding- 25% of all flood claims are from people who live outside a high-risk zone.

Imagine how expensive it would be to rebuild or repair your home and replace all your personal possessions. Losses due to flooding could have a serous effect on your financial well-being. But that is where your O'Quinn agent and the National Flood Insurance Program can help.

Check you homeowner's insurance policy?
Most homeowners insurance policies don't cover flood damage. So, you may need a separate flood insurance policy to protect against losses from flooding.

I rent my house or apartment do I need flood Insurance?
Whether you rent a condo, an apartment, a house or a co-op, flood insurance may seem like a strange thing to need when you already have insurance and you don't own the place you call home.

But most likely, your insurance does not cover flood damage and your landlord is not responsible for replacing or repairing personal items damaged by floodwaters. With a flood insurance policy for your personal possessions, you know your valuable personal items are covered.

Life insurance

YOU MIGHT NEED LIFE INSURANCE IF:

• There's anyone in your life who depends on you
• Life insurance provides them with funds to live on if you should die.
• You're single or divorced
• Your outstanding bills may be a burden on your parents or children.
• You get married
• You don't want to leave your spouse with a lot of debt on top of his or her grief.
• You own a home
• You don't want your loved ones to have to give up their home if they can't make the mortgage payments.
• You're expecting a child, have children or are planning to adopt
• You want to ensure that his or her needs will be taken care of, including education.
• You're living together, but not married
• In the eyes of the law in some states he or she may have no rights to your assets. However, you can name this person as your beneficiary on a life insurance policy.
• You have aging parents
• You'll want to know they'll be taken care of, even if you can't do it yourself.
• You're a philanthropist
• You can name a charity or your alma mater as your beneficiary and they'll receive continued support.
• You're young and healthy

Now is the time to lock in low rates.