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.

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.

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.

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.

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.

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.