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Fuqua Insurance Agency

1836 Hermitage Blvd, Suite 100
Tallahassee, FL 32308

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Discover The Different Types of Umbrella Insurance

When you hear the term “umbrella insurance,” you often think it covers many issues. If that was your assumption, then you’re correct. However, umbrella insurance is designed to help those who need very specific instances of coverage. If you’re unsure what umbrella insurance you need, contacting our Fuqua Insurance Agency in Tallahassee, FL, is a must.

What Does Umbrella Insurance Cover?

Umbrella insurance covers a wide variety of instances. For example, many policies will include property damage, bodily injury, landlord liability, and more. However, some policies, such as defamation, intentional harm, business insurance, and even travel insurance, can be added. Beyond that, if you can think of something you need to cover, there is a plan for it.

How Do You Know If You Need Umbrella Insurance?

You may need umbrella insurance if you’re looking to have multiple types of coverage. By combining it with umbrella insurance, you can pay a premium that is representative of the services you need. That said, it can also be a better way to ensure you have everything necessary for your lifestyle or business.

If you’re having trouble knowing what you need to be covered, it’s a good idea to contact an agency such as ours for ideas of what we can cover. That can help you get the perfect plan for your needs without wasting money. 

How Can We Help?

We can help at the Fuqua Insurance Agency in Tallahassee, FL by introducing you to our different plans. Our agency can help get you the right plan for your needs. Hopefully, this has helped you.

Carpet or Hard Flooring in Tallahassee?

If you’re about to replace your flooring, this is a great time to look at other types and see if you want to switch. For example, do you want to switch to laminate or hardwood if you have carpeting now? And if you have a hard floor, do you want to install carpet instead? Your choice is more than just aesthetic, however. The type of flooring you install needs to be something that will handle moisture in a way that’s easy for you to clean up and that does not lead to more damage. Fuqua Insurance Agency in Tallahassee, FL, has some tips to consider.

Stains, Mold, and Rot, Oh My!

Different flooring fares differently in various types of water damage situations. A luxury vinyl tile floor may do just fine if you spill some coffee on it, but it’s not going to do well if you have a hot water leak that floods the floor; the heat can make the adhesive on the tiles fail. The carpet doesn’t do well if you spill some coffee unless the carpet has a really good stain-resistant layer. But the carpet may actually fare OK if hot water floods it because you may be able to dry out the carpet and replace the padding, along with drying out the underlayer and wall.

You can go back and forth with several examples, and it can take some time to research the best sub-type of each flooring material. But if you can do that and then determine which type is going to be the easiest for you to care for and fix, then you can have flooring installed that will last a long time. Give Fuqua Insurance Agency in Tallahassee, FL, a call to discuss coverage to help you pay for repairs should the flooring suffer damage from a source you couldn’t control.

Is Luxury Condo Insurance Different From a Regular Policy?

Owning a luxury condo in Tallahassee, FL, has many perks, including 24-hour security, high-end amenities, and more. However, how do you protect the contents inside your unit? Do you need coverage that goes beyond the ordinary condo insurance policy? The answer is yes, you do. If you are wondering what to do, the professionals at Fuqua Insurance Agency can recommend the appropriate coverage for your situation.

The Differences in Insuring a Luxury Condo

While you may know the difference between insuring a luxury single-family home and a dodo, the two are the same yet different. The most obvious difference is that you don’t have to worry about the exterior structure of the building where your unit is located. The condo HOA, or homeowner’s association, will take care of insurance for your building, its exterior walls, and roof. However, you are still responsible for the interior contents, so you want to ensure you have the best coverage.

Ask for Coverage that Fits Your Needs

For most condo owners, a standard insurance policy will fit your needs. However, if your unit is worth between $750,000 and $1 million or more, you may qualify for high-end renter’s insurance if your condo meets that value. Like renter’s insurance, luxury condo renters should attempt to find a policy with superior coverage limits beyond what you can get with a standard policy. You’ll want to ensure your coverage reaches sufficient replacement costs for losses.

When you need to consider luxury condo insurance for your residence, contact the experts at Fuqua Insurance Agency, serving Tallahassee, FL, and its environs. Our staff will do what it takes to write a condo policy that fits your needs. Call us to schedule an initial consultation to discuss your needs.

Life Insurance – Calculate Your Final Expenses

Your life insurance policy will pay for your final expenses. Use the following guidelines to help you estimate the cost of your final expenses. Then, contact an agent who serves Tallahassee, FL, to inquire about life insurance products.

Debts and Current Bills

Your insurance coverage can be used to pay off debts and bills that you are currently responsible for. Assess your finances. This assessment should include determining how much money you owe creditors.

Remember that once you pass away, your living heirs will need to pay off the debts and any bills you are currently handling. Prepare a list of all the expenses. The information may help you when you are comparing different life insurance products.

Medical Expenses

Your insurance policy can be used to pay for recurring medical expenses. Your health insurance plan will not cover these expenses. If you have a chronic medical condition, assess the likelihood of seeking additional medical services in the future. Keep track of how much you will be responsible for paying.

Memorial and Burial Expenses

It is a good idea to choose the manner in which you would like your memorial to be set up. This will prevent any confusion if you accidentally pass away.

Prepare a list that outlines the funeral home where you would like the funeral to be held. Choose an urn or casket that will be used to store your remains. Calculate the cost of each memorial and burial product that interests you.

Contact Fuqua Insurance Agency

Contact a Fuqua Insurance Agency representative at a convenient time. The agent will inform you about some life insurance products that may interest you.

Loss Of Use Coverage For Condo Owners

If your insurance policy provides loss-of-use coverage, you will be reimbursed for the cost of food, lodging, and other essentials. Review how loss of use coverage works. Then, consult with a Fuqua Insurance agency representative. We will assist you with filing a condo insurance claim in Tallahassee, FL.

Loss Of Use

Loss of use refers to any time when you cannot safely occupy your residence. The list below outlines some situations that may make your condo uninhabitable.

  • Smoke damage
  • Flooding
  • Fire
  • Extensive Renovations

This list includes some of the situations that would make your home uninhabitable. A complete list of situations that are covered should be outlined in your insurance documents.


Your condo insurance policy will provide you with an overview of the coverage that you have. Your loss of use coverage will specify how much you will be reimbursed for costs you incur while you are unable to stay in your home.

If you need to stay in a hotel, for instance, the cost of the hotel room and the food that you purchase may be covered. Any money that you spend while you are unable to stay at home should be accounted for.

Keeping careful records of the costs that you incur will ensure that you are repaid an amount that is fair. You can keep track of your expenses by holding onto the receipts of your purchases. The receipts should be turned in with your condo insurance claim.

Reach Out To Us

If you have any questions about your condo insurance policy, contact one of our agents at Fuqua Insurance Agency. We will address any concerns that you have in and around Tallahassee, FL.

Why a Business Owners Policy Should Form the Foundation of Your Commercial Insurance

Fuqua Insurance Agency offers Tallahassee, FL business owners the commercial insurance they need to protect their financial investments. For small- and medium-sized businesses, a business owners’ policy (BOP) provides the ideal foundation for a commercial insurance policy package.

BOPs Provide More Protection for Less Money

BOPs provide a policy bundle of four common commercial policy coverages that small and medium-sized businesses need at a lower premium than purchasing them separately. A BOP includes:

  • Perils coverage, which pays for repairs caused by an event named in the policy, such as fire or tornado,
  • Property damage coverage, which pays for damages to the furnishings or other contents of the building,
  • Liability insurance to pay for settlements when the business’s negligence causes an accident or injury,
  • Business interruption insurance, which pays for interruptions to regular business operations caused by a peril named in the policy.

Although the bundle sells as a preformatted package, the business can add to it, creating a customized policy package that suits the business perfectly.

Qualifying for a BOP

Not every company can purchase a business owner’s policy. Insurers place restrictions on who can purchase them, using criteria based on:

  • Annual revenue
  • Business location
  • Number of employees
  • Class of the business

Although each insurer’s qualifications vary slightly, the business must employ less than 100 people and generate less than $1 million in annual revenue.

Contact Us Today

Protect your Tallahassee, FL, business with a BOP from Fuqua Insurance Agency. Contact us today to apply for this money-saving policy package and talk with an insurance agent about the insurance coverage your business needs to add to it.

Does boat insurance cover travel in international waters?

At Fuqua Insurance Agency, we serve Tallahassee, FL area residents with the boat insurance they need to protect their finances and property. We’ll help to explain how to make sure that your boat coverage protects you in both domestic and international waters.

Domestic Waters Boat Coverage

The typical policies we sell cover a boat in domestic waters only, meaning US inland bodies of water, including lakes, rivers, ponds, streams, and the ocean along the US coastline. Before a boater can travel into international waters with boat coverage, they need to add on an international travel rider otherwise their boat policy does not cover navigating international waters.

Adding International Waters Coverage

Adding that extra coverage doesn’t take much effort. Simply phone or email us a few days to a week before your trip into the ocean’s depths beyond the Florida coastline. We can add your international waters coverage over the phone or via email.

International waters coverage does more than protect your physical property on your boat and pay for repairs to your boat if it incurs damage. It also extends your liability coverage into those waters beyond the coast. Without this coverage, if involved in an accident in international waters, the boater can also find themselves in trouble with the country of jurisdiction.

Contact Us Today

Don’t go into international waters unprotected by boat insurance! Your domestic boat insurance does not apply there. Fully protect yourself, your property, and others on the water by obtaining international water coverage. It only adds a few dollars to your monthly premium but affords you vast protection. Contact Fuqua Insurance Agency, serving Tallahassee, FL to better protect your financial future.

I just paid off my car loan. Do I still full coverage auto insurance?

Every state requires drivers to carry the state minimum required auto insurance. However, there are situations where drivers are required to have more than the state minimum auto insurance. Your unique situation should determine how much auto insurance you invest in. Our team at Fuqua Insurance Agency is committed to helping Tallahassee, FL drivers get the coverage they need.

What are the state auto insurance requirements for Florida drivers?

Florida’s drivers are required to carry auto liability insurance. The coverage amounts must meet it exceed the state minimum requirements for property damage liability coverage and personal injury protection coverage. Drivers must carry at least $10,000 in both property damage and personal injury coverage. Florida’s drivers aren’t legally required to carry bodily injury liability coverage.

I just paid off my car loan. Do I still need full coverage auto insurance?

Lenders typically require drivers to carry full coverage insurance until their car loan is paid off. However, once your loan has been paid in full, you aren’t required to carry full coverage auto insurance, just auto liability. Once your insurance payment is ten percent or more of your car’s appraised value, you should consider dropping full coverage insurance.

At this point, if you’re in an accident, it will likely be deemed a total loss by the insurance company because the cost, or premiums, exceed your car’s value. However, if you can’t afford to pay for your car’s damage in the event of a car accident, it may be a good idea to maintain car insurance. Often, insurance will compensate the driver for the loss of their car in some way. You may receive money based on your car’s actual value.

We Are Here To Help

If you have questions about car insurance and how much you should invest, call us at Fuqua Insurance Agency in Tallahassee, FL. We’d be happy to help you explore your options. 

Key Benefits of Umbrella Insurance

If you live or work in and around the greater capital region of Tallahassee, FL, and are looking for an added level of liability insurance, an umbrella policy might offer an affordable solution. According to our insurance professionals at Fuqua Insurance Agency –

  • The primary purpose of this type of liability insurance is to offer extra protection for the insured, who may face litigation costs/damages that exceed the limits of relevant insurance policies.
  • Umbrella Insurance-
    • Is a type of insurance that is triggered when the insured individual exhausts or reaches existing policy limits.  
    • Offers a practical insurance option to safeguard one’s family’s financial future.

Key Benefits of Umbrella Insurance of Umbrella Insurance

Umbrella insurance adds liability coverage beyond the limits of primary insurance policies, like a current car, boat, or homeowners insurance. In addition to providing protection against unexpected and catastrophic incidents, umbrella insurance provides valuable peace of mind.

Consider the following when shopping for umbrella insurance –  

Exposure to Risk

Certain properties create more risk. For example, a home with a pool or one that is an investment property may create risk that needs additional liability coverage. Additionally, umbrella insurance may offer protection for those employed in a profession that creates larger liability risks – a physician, small business owner, etc.

Coverage Limits

Umbrella insurance is usually offered in optional coverage limits, which typically begin at one million dollars and increase incrementally.  

Legal Expenses

Umbrella insurance offers coverage for legal expenses and damages should the insured be found to be legally responsible.

We Are Here To Help

The need for umbrella insurance varies based on your personal situation and objectives. For more information, reach out to us at Fuqua Insurance Agency serving the greater Tallahassee, FL community today.

Packing a Flood Survival Bag

Does sitting on your roof and waiting for a chopper or boat really not appeal to you? If you get ample warning of your area being flooded due to a hurricane or other disaster, your best bet may be to get out of Dodge (or Tallahassee) and get out fast! You might not have much time to pack on getting a warning, so it may be a good idea to have a bug-out bag ready. This is a backpack or duffle bag packed with everything you need to go when it’s time to go. 

The Essentials of a Flood Survival Kit

The first thing you’ll need, of course, is a bag. It should be lightweight yet sturdy with many pockets and compartments. Water-resistant is a must. In best best-case scenario, you’ll be able to go to another property or a friend or family member’s home to wait it out or at least rent a hotel or motel room. Medium case scenario, you go to a temporary shelter where supplies are limited. Worst case scenario, you’re sleeping in your car, if you have one. While you will be traveling light, here are some things you will need. 

  • Documentation. Keep a copy of your driver’s license, passport, deeds, insurance policies, and other important papers in a sealed plastic bag. Keep a list of important phone numbers here in case you lose your phone or it runs out of juice. 
  • First Aid Kit. It should have swabs, dressings, bandages, iodine, and antibacterial ointments. Tweezers, scissors, and insect repellant are also handy. Include aspirin, hand sanitizer, cold medicine, and any prescription medication you need. If you wear glasses, carry a spare. 
  • Food and Water. People can go without water for three days, but you don’t want to. It may be awkward to carry gallons of water, but bring some in a puncture-proof bottle. Bring some water purification tablets and enough food for three days that won’t spoil. 
  • Clothes Bring lots of socks, preferably woolen ones. Bring enough clothes and underwear for three days. A blanket or sleeping bag would be a good idea.
  • Hygiene items. This is a toothbrush, toothpaste, deodorant, soap, toilet paper, and feminine hygiene products if you need them.

Looking for Insurance in Tallahassee, FL? Fuqua Insurance Agency Can Help!

This is just the basics. We at Fuqua Insurance Agency wish the best for those we serve in the greater Tallahassee, FL community, but here’s the minimum of what you need should you be forced to leave your home. 

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