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Fuqua Insurance Agency

1836 Hermitage Blvd, Suite 100
Tallahassee, FL 32308

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Boat Insurance 101: What You Need to Know

If you’re like most boat owners, you probably don’t give much thought to boat insurance until you need it. And that’s a mistake because the right boat insurance can save you a lot of money and hassle in the event of an accident or theft. So, what do you need to know about boat insurance? Here’s what you need to know about boat insurance.

Most people think of boat insurance as something that covers the physical boat itself. But in reality, boat insurance is much more than that. Boat insurance can cover you for liability in the event that someone is injured while on your boat or if you damage someone else’s property with your boat.

How Much Is Boat Insurance?

The cost of boat insurance depends on several factors, including the value of your boat, the type of boat, the engine size, where you live, and the primary function of the boat. Add-ons like towing and fishing equipment can also affect the cost of boat insurance.

The best way to get an accurate quote is to speak with a boat insurance agent who can tailor a policy to your specific needs.

Who Is Covered Under Boat Insurance?

Boat insurance policies typically cover the named insured and any family members who live with the named insured. Passengers are also typically covered, although there may be some limits on the number of passengers depending on the policy. It’s important to check with your boat insurance agent to be sure.

Should You Get Boat Insurance While It’s in Storage?

If you’re not using your boat for an extended period, you may be tempted to cancel your boat insurance policy to save money. But that’s a mistake. Even if your boat is in storage, it’s still at risk of being damaged or stolen. So, it’s important to keep your boat insurance policy active even when you’re not using your boat.

Get Boat Insurance in Tallahassee, FL

Boat insurance is an important part of owning a boat. By understanding the basics of boat insurance, you can be sure you’re adequately protected in the event of an accident or theft. And that peace of mind is worth the cost of boat insurance. Fuqua Insurance Agency can help you find the right boat insurance policy for your needs in Tallahassee, FL. Contact us today for a free quote.

Common Auto Insurance Add Ons

Fuqua Insurance Agency proudly serves the Tallahassee, FL community. For over 23 years, we have helped residents obtain the coverage they need to protect their assets. We offer versatile policies designed to meet the evolving needs of our clients.

We look forward to consulting with you so that you can obtain the right policy for your situation.

Auto Insurance Add Ons

Auto insurance protects you as you travel around Florida and beyond. While you use your vehicle to complete everyday tasks, insurance helps you stay safe on the road. Operating a car comes with relatively high risks. You have to navigate road conditions such as detours and traffic delays while also dealing with the bad driving habits of other drivers. Auto insurance protects you if your vehicle is damaged in a collision. Liability coverage protects you if you are held responsible for causing property damage or injuring someone with your vehicle. Comprehensive coverage protects your vehicle in unique situations. Perhaps you are driving through inclement weather, and swirling debris damages your windshield, cracking it. Comprehensive coverage protects you in that situation. You are also covered if your vehicle is stolen or damaged due to an accidental fire. One key feature of auto insurance policies is altering them and adding extra coverage.

Uninsured Coverage

Uninsured coverage protects you if you are involved in an accident with someone who does not have insurance. Handling damages with someone who does not have coverage may become complicated. However, uninsured coverage ensures that you are protected in that situation.

Towing Service

Getting a flat tire or suffering battery issues is a major nightmare if you are heading out of town. Luckily, you can add towing coverage, ensuring that you will receive urgent service when you need it.

 Fuqua Insurance Agency Will Help You Protect Your Assets

Contact our office in Tallahassee, FL to learn more about auto insurance.

I have a small business. Do I need Umbrella insurance?

Many business owners may question the value and the necessity of umbrella insurance. Whether or not to carry umbrella insurance is a personal decision. However, there are some cut-and-dried reasons that may help you determine whether this type of insurance will be beneficial to your business. Our team at Fuqua Insurance Agency is happy to help Tallahassee, FL customers navigate umbrella insurance.

What is Umbrella Insurance?

In short, umbrella insurance is supplemental insurance designed to extend policy coverage levels. Primary insurance is applied first and umbrella insurance kicks in to cover anything that exceeds the coverage levels of primary insurance. This insurance is beneficial in terms of unexpected events like lawsuits, accidents, and liability claims, to list a few. 

Who Needs It?

If you’re a business owner who could experience a loss of profit or go bankrupt in the event of a legal judgment against your business, you may want to consider umbrella insurance if the judgment might exceed coverage limits. In addition, you may have customers that require this type of insurance as protection against unexpected accidents. Businesses with company cars or extensive travel may also benefit from umbrella insurance. Company vehicles, like any vehicle, can be involved in traffic accidents. The extra coverage may be beneficial for covering this type of risk. 

Other Considerations

If your business has an element of risk and danger associated with it, umbrella insurance may be a practical consideration. For example, if you make toxic or hazardous products or undergo a manufacturing process that could be dangerous to employees, umbrella insurance may be the perfect safety net once primary insurance limits have been met. Ultimately, the decision is yours. Umbrella insurance may be a benefit even if you don’t have a high-risk business just to create peace of mind in the event of something unexpected happening. Our team at Fuqua Insurance Agency would be happy to walk you through the ABCs of umbrella insurance to help you make a decision. Give us a call. We’re standing by. 

Should you get flood insurance in Florida?

Property owners in the Tallahassee, FL area will find that it can be a great place to own real estate. While there are plenty of advantages, there are risks as well. One risk is that the home can be damaged during a flood. As this is a risk that always exists, it is important to insure against it as well as you can with a flood insurance plan. There are various reasons that you should get a flood insurance policy. 

Coverage is Needed to Offset Flood Risk

When you are in the state of Florida, you need to be aware of your risk of flood damage. Unfortunately, you may only receive very limited coverage for flood damage through your standard home insurance plan. If you get a flood insurance plan, it can help to offset this concern as it will specifically provide coverage for damage sustained in a flood. This will ensure you are prepared during a challenging situation. 

Insurance is a Requirement

You should also opt for a flood insurance plan as it could be a requirement for you. Those that are going to buy a home and take out a mortgage are going to have to comply with standards set by the mortgage lender. If you are in a flood zone, this will include having flood insurance. With a proper plan, you will meet these standards and remain in good standing. 

Owning a home is a great option for people in the Tallahassee, FL area. As you are looking to purchase a property, you should call Fuqua Insurance Agency to discuss your insurance needs. This will include helping you assess if you need flood coverage. If necessary, Fuqua Insurance Agency can offer the support that you need to pick your next insurance plan. 

Will flood insurance properly protect someone in Florida?

Living in the Tallahassee, FL area can be an ideal situation for a lot of people. While this area of Florida has nice weather and a good economy, some property owners will be at risk of having their homes damaged by floodwaters. Due to this, having a flood insurance plan in place is often a good idea. When you do have a flood coverage plan, you can receive protection in a few ways.

Building Coverage

One form of coverage that you will receive with flood insurance is coverage for your property. The building coverage component of your flood insurance will protect your dwelling and major components of it. This includes the large appliances, installed carpet, electrical and plumbing systems, and other parts that are considered to be part of the permanent structure. The insurance can be used to repair or replace these items.

Personal Items Coverage

If you get a flood insurance plan, you will also get coverage for your personal assets stored within your home. All people are going to have money invested in personal belongings that you will want to receive reimbursement for. Some personal items that will be covered include clothing, furniture, personal electronics, or smaller appliances that are easily moved. This ensures you will have the support to replace these items if you incur a major loss. 

There are clearly a lot of advantages that come with having a flood insurance plan in the Tallahassee, FL area. When you are assessing your various options, it would be smart to call the Fuqua Insurance Agency. The insurance professionals with the Fuqua Insurance Agency can help you build a plan that will give you ideal protection and support. They can also answer any questions that you have and ensure you get into a plan that offers the right coverage. 

What Your Personal Florida Condo Insurance Does and Does Not Cover

Condo insurance is not mandatory in Florida if you own your condo outright, but if you don’t, your lender or mortgage broker will probably require it. Still, it’s a good idea to get it, because you will have contents and valuables that you want to cover. You also want to protect yourself from liabilities that could happen in your home.

At Fuqua Insurance Agency, we want Tallahassee, FL residents to be protected and covered for every risk that could happen in their homes.

Learn more about what condo insurance does and does not cover here.

What is Covered by Condo Insurance?

Condo insurance will cover what you want it to cover. You can get liability insurance, property insurance, and contents coverage. There are a number of additional coverages that you can get beyond a basic liability and contents package.

Your personal liability coverage will also cover you in the event that there is an accident or injury in your home that you are found to be at fault for. This could be something such as a dog bite, a slip, and fall, or an accident. Both dog bites and slip and falls are billion-dollar problems in the United States as they can cause serious injury. You’ll want a good liability policy.

You might also want guest medical coverage, which can cover the medical costs of a guest if they become injured in your home. This would cover injuries for which you are not at fault. For example, if a guest burned themselves on your stove when they were cooking.

What is Not Covered by Condo Insurance?

Your condo insurance will not cover contents and liabilities in the main sections of your condo building or compound. The main entrances, elevators, hallways, and anywhere where there are common areas would be covered by your condo association insurance policy, or master condo insurance policy. 

The master policy may also cover the walls and floors of your home. Find out from your condo association what is covered in the master policy.

Get a Quote

Although condo insurance may seem simple, these are just a few of the things that it will cover. You can get as thorough a policy as you want. At Fuqua Insurance Agency, we want Tallahassee, FL condo owners to have the most thorough policy for their needs. Call us today for a quote.

Here’s Why You Might Want Term Life Insurance

Term life insurance policies don’t get the respect they deserve, as they can provide many benefits for those who purchase them. Thankfully, Tallahassee, FL residents can work with us at Fuqua Insurance Agency to find the high-quality policy that makes the most sense for their needs.

Why Term Life Insurance Benefits Many 

When facing the choice between whole and term life insurance, whole life often makes sense to many. However, term life has benefits and is often chosen over more extensive options. For example, you can get a high level of benefits for the lowest premium with a term policy, particularly when you start. 

Though your term cost will increase over time, this choice is wise for older adults who probably don’t have a whole term left to their life. For example, people aged 60 and 70 likely find that term life is a great and inexpensive option for their needs and decreases their concern over passing. 

That said, this option is also a surprisingly affordable one for younger buyers. For instance, people in their 30s or 40s in a dangerous job may find high-quality coverage that suits their needs. This option is often a good way for somebody to check out a policy and see what it may provide. 

And people who want a loan may also find a term life policy is a great option. That’s because these inexpensive policies can be used as collateral, expanding your potential borrowing options and giving you a better chance of getting the kind of interest rate and premium that you want and deserve. 

Finding a Policy 

Do you want a term life policy to protect yourself and your loved ones? Then, please make sure that you reach out to us at Fuqua Insurance Agency to learn more. We serve the Tallahassee, FL, area and will do what we can to satisfy your needs and give you the coverage that you crave for your needs.

Auto Insurance Terms You Should Know

Buying an auto policy for the first time can often prove challenging, given the numerous insurance jargon that comes with the purchase process. To help with this, Fuqua Insurance Agency lists standard terms you should know before signing up for your auto policy. In addition to helping starters navigate this path, the following guide will also come in handy for any Tallahassee, FL car owners looking to reacquaint themselves with auto policy terms in readiness for their next purchase.

Liability Insurance

Liability insurance refers to the minimum amount of coverage that every driver is required to have. While the minimum coverage varies in each state, insurance options covering 3rd party bodily injury liability and property damage liability will often be sufficient. Such auto policies help you cover the costs of injuries to other parties while also taking care of 3rd party property repair and replacement costs.


Damages refer to the costs you will be required to legally pay to other parties when found liable for injuries caused in an accident. Damages are also awarded to 3rd parties when accidents result in property damage requiring repairs or replacement.


Damage refers to any destruction of property such as vehicles or buildings or harm caused to a person. During an accident, damage can be used to refer to injuries that you, your passengers, or 3rd parties sustain or property loss that the listed parties also incur.


Coverage is the term used to refer to the specific benefits that your policy provides. Examples include collision coverage that pays for expenses arising from impact accidents and comprehensive coverage that protects you when your vehicle gets damaged during vandalism or fire outbreaks.

Personal Injury Protection

Personal injury protection is a policy that takes care of your medical costs when you get into an accident. It also pays for lost wages for you and your passengers.

To get auto insurance within Tallahassee, FL, get in touch with Fuqua Insurance Agency today. Our agents will take you through our policies and help you pick out a customized solution.  

Boat Insurance Add-ons to Consider

Few things can beat the fun that your boat accords you. Whether it’s sailing, fishing, or cruising, your boat exposes you to a world of limitless fun — and you wouldn’t want anything to stop that. Unfortunately, your boating experience can quickly turn into a nightmare when perils like accidents strike. Thankfully, your ordeal can become less daunting when you have boat insurance from Fuqua Insurance Agency of Tallahassee, FL.

Since boat insurance can be challenging to boat owners, we have put add-ons you can consider to strengthen your coverage. Here are some.

Umbrella insurance

While you may have liability coverage in your boat insurance, it may not hold water when faced with significant liability claims. In such cases, you need umbrella insurance to take over from where your typical liability coverage leaves off. If you have substantial assets to protect, we advise you purchase umbrella insurance to protect what you have worked so hard to accumulate. 

Uninsured boater coverage

Since boat insurance isn’t compulsory in Florida, you are likely to encounter many uninsured boaters. Unfortunately, boaters without insurance leave numerous uncovered losses on their path. The good news is that when you have uninsured boater coverage, you don’t have to worry about less responsible boaters.

Medical payments coverage

While boating accidents are rare, they can cause significant injuries when they happen. Worse yet, these injuries can deter you from resuming your day-to-day activities. Luckily, when you include MedPay or PIP coverage in your boat insurance, you can concentrate on your recovery, knowing that your medical bills and partial loss of income are well taken care of.

Physical damage coverage

Because your boat is valuable to you, it’s vital to ensure its safety inside and outside the waters. Comprehensive and collision coverages cover repairs and even replace your boat from perils like fire, vandalism, theft, accidents, and many others.

Get boat insurance today!

Are you considering boat insurance? You are on the right track. If you are in Tallahassee, FL, and its environs, contact Fuqua Insurance Agency for a quote.

Who Needs Umbrella Insurance?

While Umbrella insurance can be a very useful and valuable tool in anyone’s financial arsenal, it’s not necessarily insurance that every individual needs to carry.  The team of Fuqua Insurance Agency serving Tallahassee, FL can help you determine if carrying umbrella insurance is right for you and your family.

Umbrella insurance policies typically cover not just the insured but also whoever else the insured designates as covered, for example, their spouses and children, or anyone else that might live in the insured’s home.  Let’s look at some examples of when an umbrella policy can be useful and what people would definitely benefit from having an umbrella insurance policy:

  • If the total value of your assets (including cash on hand such as checking accounts, savings accounts, and assets such as cars and houses) is higher than the amount of insurance you carry, an umbrella policy might be a great investment for you.
  • If you rent out a home, employ a household staff or spend a lot of time entertaining groups of people in your home, you are automatically at a higher risk for potential lawsuits and an umbrella policy might be a good fit for you
  • Having a teenage driver, a dog, or owning a swimming pool are all additional factors that would make sense to carry an umbrella insurance policy
  • If you are a public figure of any kind or have a job that might open you up to being sued, investing in an umbrella insurance policy is a smart move to protect you and your family

Residents of the Tallahassee, FL area can contact the professionals at Fuqua Insurance Agency today to learn more about Umbrella Insurance today!

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