Is Condo Insurance the Same as Home Insurance?

Posted on January 30, 2026January 8, 2026 by admin

Home insurance is not exactly the same as condo insurance. There are important substantive differences between the two despite the fact that both are applicable to living spaces. The specialists at the Fuqua Insurance Agency flesh out those differences below.

How Home Insurance and Condo Insurance Differ

The difference between home insurance and condo insurance is more than semantics. Though Tallahassee, FL insurance providers offer home insurance and condo insurance coverages that are similar, they are not completely the same. The primary difference between the types of insurance is the scope of protection. Homeowners are responsible for the interior and exterior of their building. In contrast, condo owners are responsible for the interior.

Therefore, home insurance covers the interior and exterior while condo insurance covers the interior. Moreover, some home insurance is applicable to surrounding land and even garages and other structures on the policyholder’s property.

Condo Insurance Subtleties

Two specific condo insurance policies exist. The first is for condo owners and the second is for condo owners associations. The prior is for individuals who want to protect their personal unit while the latter is for associations. In contrast, home insurance policies are restricted to the individual, couple or other group of people who own the property.

Condo association insurance policies usually cover the structure of the facility, siding, roof and even shared areas such as pools and hallways. Such “master policies” can also extend to the inside of the unit, covering standard fixtures, ceilings, floors and walls. Condo owners purchase their own personal condo insurance while the board of the association obtains the master policy.

Get a Quote From the Fuqua Insurance Agency

Our company, serving the Tallahassee, FL area, is at your service. Give us a call today for more information about our coverages and get your personalized home or condo insurance quote.

What Is Fraud Free Florida?

Posted on December 31, 2025December 11, 2025 by admin

If you own a Florida business, it’s important for you to protect your business assets by purchasing commercial insurance. Many business owners seek assistance with managing their insurance portfolio. If your company is in the Tallahassee, FL area, our team at the Fuqua Insurance Agency would like the opportunity to meet with you. We’ve been working with companies like yours for years.

What is Fraud Free Florida?

There are many adverse conditions that can put your business’s finances and reputation at risk. When considering these risks, it may be of interest to learn that the Florida Department of Financial Services has become increasingly concerned about reducing the incidence of fraud. The Department’s website reports the creation of an anti-fraud initiative called Fraud Free Florida. Several statewide law enforcement agencies, local attorneys, and private stakeholders have joined with Financial Services staffers to brainstorm ways to identify and eliminate corporate fraud.

This group receives calls and information from consumers and businesses which report scams and frauds. The group members then investigate and prosecute the fraudsters. Information collected by the group has also been helpful in creating educational programs about how to prevent fraud from adversely affecting your company. The initiative is also offering monetary awards of up to $25,000 for businesses or citizens whose report leads to the arrest and conviction of fraudsters.

Call Us Today for Your Appointment

Choosing the right insurance policies can make a difference in the financial future of your company. Our team at the Fuqua Insurance Agency understands the importance of making the right insurance choices. Companies in the Tallahassee, FL area will feel confident when they trust us with their insurance needs. Give us a call for your appointment today and let us help you choose the right commercial insurance options.

Will Your FL Boat Insurance Cover You in Mexico?

Posted on November 28, 2025November 12, 2025 by admin

Taking your boat from FL waters into Mexico sounds like the perfect adventure, but your insurance policy might not travel as far as you do. Many standard boat insurance policies through Fuqua Insurance Agency, serving Tallahassee, FL, have geographic limits. This means that, once you cross certain boundaries, your coverage may no longer apply. Before setting out, it’s worth knowing where your policy stops and what you can do about it.

Navigational Limits Matter

Most FL boat insurance policies define a navigational territory, typically the coastal waters of the U.S., the Bahamas, or sometimes the Caribbean. Once you head farther south into Mexican waters, you may move beyond that zone. If your boat/watercraft policy doesn’t explicitly include Mexico, any damage, theft, or liability claim could be denied.

Insurers restrict regions based on risk and repair access. Areas with fewer certified marinas or higher storm potential often require additional underwriting or a policy endorsement. Without one, your coverage might end the moment you cross into foreign waters.

Extending Coverage Into Mexico

If you plan to cruise into Mexican territory, talk to your insurer before you go. Some companies offer short-term riders or expanded navigation endorsements that include Mexico and nearby international ports. Others may partner with Mexican insurers to meet local maritime laws, which require liability insurance issued by a Mexico-based provider.

Preparing Before You Depart

Keep copies of your insurance documents, registration, and proof of coverage on board. Carry contact details for your primary insurer and any supplemental provider. Before leaving FL, double-check whether your towing, salvage, and medical coverage extends internationally.

The best time to learn about limits is before you cast off. With the right coverage, you can enjoy Mexico’s coastline knowing your FL policy still has your back … wherever the tide takes you. Contact us at Fuqua Insurance Agency, serving Tallahassee, FL.

Are You Required To Get Auto Insurance Before You Buy Your New Car?

Posted on October 31, 2025October 16, 2025 by admin

If you’re buying a new car, you will be required to have auto insurance (if you don’t already have a new policy). At Fuqua Insurance Agency, serving Tallahassee, FL, we can help you get an auto insurance policy that provides the level of coverage you need. As independent insurance agents, we work with many carriers, so our customers will have choices when they need insurance.

Our helpful insurance professionals can answer your questions. When the time comes to buy a car, we’re here! Call us to learn more.

Who Is Required To Have Auto Insurance?

Auto insurance is required by law in virtually every state. If you are buying a new car, you will need to have auto insurance. The professionals at Fuqua Insurance Agency are experts in auto insurance requirements and can help you choose a policy that will help you comply with the laws.

What Kind of Auto Insurance Should You Get?

In most cases, liability auto insurance is required to drive a vehicle. In addition, people who get a car loan to purchase their vehicle may be required to have full coverage auto insurance. This is a combination of liability insurance, collision insurance, and comprehensive auto insurance. If you are required to have this type of insurance, your lender will discuss it with you when you apply for an auto loan.

Need Auto Insurance? Call Us

If you need auto insurance because you’re buying a new vehicle, it’s important to work with an auto insurance agent you can trust. The professionals at Fuqua Insurance Agency, serving Tallahassee, FL, can help. We’re happy to go over your options with you and help you choose the best insurance for your needs and budget.

Fuqua Insurance Agency

Get a Quote Instantly

Tag: fl