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Fuqua Insurance Agency

1836 Hermitage Blvd, Suite 100
Tallahassee, FL 32308

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Safe driving tips for new drivers

As a new driver, it is important to remember that safety should always come first. Driving safely doesn’t just mean respecting traffic laws and regulations, but also taking into account other drivers, road conditions, and obstacles along the way. To help make sure you stay safe while driving here in the Tallahassee, FL area, or anywhere, here are some tips for new drivers from us at Fuqua Insurance Agency.

Safe driving tips for new drivers

1. Have a plan before you drive.

Before hitting the road, check your route, leave plenty of time for your trip, and plan for potential traffic delays or alternative routes. This will help ensure that you don’t end up feeling rushed or unprepared for unexpected road conditions.

2. Don’t be distracted.

Distracted driving is one of the leading causes of car accidents and can put you at risk of serious injury or death. Avoid using your cell phone while driving or engaging in any activities that distract from the task at hand – driving safely! 

3. Be prepared for emergencies.

Keep an emergency kit in your car with flashlights, flares, jumper cables, and other tools necessary to handle an unexpected breakdown on the side of the road. It is also important to make sure someone knows when you are leaving and when you expect to arrive at your destination. 

4. Drive defensively and be aware of your surroundings at all times.

Be mindful not only of other drivers on the road but also pedestrians and animals that might cross your path unexpectedly! Obey all posted speed limits as well as right-of-way laws so that everyone around you remains safe. 

Reach Out To Us

Following these tips will help ensure that every drive is a safe one! For more tips, give us at Fuqua Insurance Agency a call today. We proudly serve the Tallahassee, FL area.

Why Do You Need Umbrella Insurance

Have you considered having a protection plan in place that will serve to cover your property? What about coverage for additional costs that may be involved in any damage your belongings may cause?

We at Fuqua Insurance Agency, serving the residents of Tallahassee, FL, can help you acquire reliable security for all your assets and any potential damage that may not be covered by your primary insurance.

You need an umbrella cover to stand in the gap in the event of:

Potential lawsuits.

In the event that a lawsuit has been filed against you as a result of damage that may have been caused within and by your property to another party, umbrella insurance will  protect you against the loss of your property that may be at risk . It will also ensure that you are protected against risk of loss from malicious or false information that may be of ulterior motive

Injury that may need additional cost.

Depending on the extent of the injury, your insurance may need a supplementary cover for the treatment that may be more expensive than what has already been covered by your base insurance.

Damage to other people’s property.

Where the expense of repair may go beyond what the base insurance will cover, your umbrella insurance policy will cover the extra cost that may come along with the repair.

Get Umbrella Insurance Today

You can count on Fuqua Insurance Agency, serving the greater Tallahassee, FL community, to help you protect your existing assets as well as those you may purchase in the future. We will renew your umbrella insurance coverage, and we will help you to select the plan that will be most beneficial to you.

Why do people in Florida need to have flood insurance?

Anyone that lives in the Tallahassee, FL area will know that there is always a risk of flood and water damage. Due to this, it is important that property owners here get proper insurance to protect their homes. A great way that this is done is by investing in a flood insurance policy.

There are multiple reasons why property owners in Florida need this unique coverage:

Cover Property

An important reason for anyone to get this type of coverage is so they can protect their property. If a home is affected by a flood, the impact and damage can be significant. As this could severely damage property and cost a lot of money to fix, having the right insurance is important. The best way to mitigate this risk is with flood insurance, which will provide you with support if your home is damaged in these situations. 

Meet Requirements

As you are looking to purchase a home in Florida, it is important that you meet any insurance standards set by a lender or home association. In most cases, this will require you to have flood insurance if the property is in a flood zone. Maintaining this coverage will keep you in good standing and can allow you to avoid penalization. 

Contact Us Today

If you are going to purchase a home or other real estate in the Tallahassee, FL area, it is very important that you assess your insurance needs. A form of coverage all people here should assess is flood coverage. When you are looking for this coverage, the Fuqua Insurance Agency can help. If you do call the Fuqua Insurance Agency, you can learn a lot about your needs and options to ensure you are able to build a quality insurance plan. 

Insure Your Condo and Protect your Possessions

Did you know that it is as important to insure a condo as it is a home? Let the Fuqua Insurance Agency, serving the Tallahassee, FL area, explain why condo insurance is necessary.

Why Condo Insurance?

Condominium insurance, also known as HO6 insurance, is designed to work with your association’s insurance policy. It will cover personal belongings and, in most cases, permanent fixtures in your unit, such as built-ins. If you are sued for negligence, if your dog bites a guest, or if you need to relocate during repairs, it helps with these costs.

Condos are a great alternative to renting an apartment. You will build equity the same as if it were a single-family home. But condos have their own unique needs when it comes to insurance.

An HO-6 insurance policy is what is required for a condo. HOA policies cover the structure of the building including elevators, common areas, exterior walls, and the roof. They do not cover individual condo units. That is why the owner needs to purchase condo insurance.

An event not typically covered by an HO-6 policy is flooding, which is not covered by any homeowners’ insurance company. A specific policy would be needed for it. If your condo floods from accidental water damage from the condo above, it will be covered by your homeowners or condo insurance. If it can be proven that the damage was preventable, the insurance company could take action with the neighbor’s insurance company.

Get The Right Coverage Today

Condo insurance is relatively inexpensive when compared with what you could lose in the event of a fire, break-in, or some other covered peril. Protect your condo. Don’t risk losing your personal property in the event of a disaster.

Our team of insurance experts at Fuqua Insurance Agency in Tallahassee, FL can provide a quote or answer any questions you may have. Contact us today.

What type of life insurance should I get?

Anyone living in or around Tallahassee, FL will want to know that they are properly insured. While you will want coverage for your assets and to reduce liability risk, you also need to consider your life insurance needs. A life insurance plan is a great way to provide support and protection for your dependents. As you are looking for coverage, you will find there are multiple options available, and picking the right plan is important.

Basics of Life Insurance

Term Life

A term life insurance policy is very common. With this type of coverage, you will have life insurance support for the defined term length. You can curtail these policies to meet your needs regarding coverage amount and length of time. Another advantage of this is that a term life insurance plan can be more affordable than other options, which could allow you to purchase more coverage.

Whole Life

A whole life insurance policy is also a good option to consider. This coverage can remain in place for as long as you want. Those choosing whole life insurance will also enjoy the investment benefits. Each month, a portion of your payment will be invested in a low-risk account that will grow over the years. Eventually, you can close this and liquidate the cash. 

Get Life Insurance Today

There are various advantages of getting a life insurance policy when you are in Tallahassee, FL. As you are looking for a new life insurance plan here, it would be helpful for you to call our team of experienced insurance experts at Fuqua Insurance Agency.

There are many choices to make when looking for coverage and the Fuqua Insurance Agency can help you build an ideal plan. This will help ensure you have proper coverage, which could also provide peace of mind that you are prepared for the unexpected. 

3 Common Mistakes People Make When Buying Commercial Insurance

At Fuqua Insurance Agency in Tallahassee, FL, we’ve seen firsthand the effects of not having adequate commercial insurance coverage. In many cases, business owners make the mistake of assuming that their personal insurance policy will cover their business-related activities. However, that’s almost never the case.

Here are three of the most common mistakes people make when buying commercial insurance:

1. Not Purchasing Adequate Coverage

One of the most common mistakes people make when buying commercial insurance is not purchasing adequate coverage. It’s important to remember that your commercial insurance policy is designed to protect your business, not your personal assets. As such, you need to ensure that your policy provides enough coverage to protect your business in case of a liability claim or lawsuit.

2. Not Shopping Around for the Best Rate

Another common mistake people make when buying commercial insurance is not shopping around for the best rate. There are a number of factors that go into determining your premium, so it’s important to compare rates from several different insurers before making a decision. You could save hundreds or even thousands of dollars on your premium by shopping around.

3. Not Reviewing Your Policy on a Regular Basis

Your business is likely to change over time, which means your insurance needs will also change. It’s important to review your policy at least once per year to make sure that it still meets your needs and provides adequate coverage for your business.

Contact Us Today

If you have any questions about commercial insurance or if you’d like to get a quote, please contact us today at Fuqua Insurance Agency in Tallahassee, FL. We’re here to help you find the right policy for your business.

Why Full Coverage Boat Insurance is Best in Florida

There’s a lot to love about living in Florida. The sunny weather, the beautiful beaches, the fantastic seafood, and the endless opportunities for outdoor activities are just a few things that make this state so unique. Boating is one of the most popular activities in Florida. Insurance is a must, and full coverage boat insurance is the best way to protect your investment.

Why You Need More Than Liability Boat Insurance

Like most people, you probably think liability boat insurance is enough to protect you from potential accidents or damages. However, this is not the case. Liability insurance only covers damage that you cause to someone else’s property.

It doesn’t cover any damage to your own boat. So full coverage boat insurance is so important. It will protect your boat in the event of an accident, fire, theft, or any other type of damage.

Also, if you have a loan on your boat, your lender will require you to have full coverage insurance. So it’s not just nice to have. It’s a necessity.

Fuqua Insurance Agency in Tallahassee, FL can help you get the coverage you need to protect your boat.

What Full Coverage Boat Insurance Covers 

Full coverage boat insurance will protect you financially if your boat is damaged or destroyed. It will also cover the cost of any medical treatment that you or your passengers may need because of an accident. In addition, full coverage boat insurance will cover the cost of legal fees if they sue you because of an accident.

Give Us A Call

Make sure you are fully protected by getting full coverage boat insurance from Fuqua Insurance Agency in Tallahassee, FL.

When will an umbrella policy come into play to protect your business?

Fuqua Insurance Agency is proud to work closely with the business community of the greater Tallahassee, FL area. We value the services that our business leaders provide to our community and are here to help with insurance needs. If you are just getting started out, or you have a long-established company, give us a call for all of your commercial insurance needs!

Umbrella insurance coverage triggers

When it comes to umbrella insurance, many business owners have a lot of questions. There can be some confusion about exactly what type of protection these policies offer, and when they are used.

Typically, an umbrella policy will come into play in the event that your primary policy is exhausted. This means that if you suffer from a lawsuit and the liability damages are greater than the amount that your primary policy provides, your umbrella policy would kick into action.

This type of policy provides excess liability protection and can help save the business and its principals from financial responsibility. When a primary policy is exhausted, the additional liability or damages will then become the responsibility of the firm. Depending on how the company is structured, this could mean that the principals themselves would be held personally responsible for any remaining financial damages.  

Fortunately, this scenario of personal responsibility can be easily avoided! Now is a great time to get an umbrella policy in place for your company.

We look forward to working with you!

Tallahassee, FL area business owners rely on the team at Fuqua Insurance Agency. If you would like to learn more about umbrella insurance policies and how they can help to protect your company, give us a call or stop by today. We look forward to collaborating with you!

What You Need to Know About Condo Insurance

Protect your home with the right condo insurance policy. As a tenant, you’re responsible for your belongings and any damage you cause to the property. Condo insurance can help cover the cost of repairs or replacements if something happens to your belongings or the unit itself.  Fuqua Insurance Agency in Tallahassee, FL offers this guide on navigating this important coverage.

What is Condo Insurance?

Condo insurance is a type of homeowner’s insurance that explicitly covers condos. Like other homeowner’s insurance policies, it can help protect your home and belongings from damage or theft. It can also help cover the cost of repairs if you accidentally damage another person’s property.

What Does Condo Insurance Cover?

Condo insurance typically covers:

• Damage to your unit from a covered event (e.g., fire, windstorm)

• Theft of your belongings

• Liability coverage if you’re sued for accidentally damaging someone else’s property or injuring them

Also, if you need to leave during a covered event (e.g., evacuation because of a hurricane), your condo insurance can help cover the cost of temporary housing.

What Does Condo Insurance Not Cover?

Condo insurance rarely covers:

• Flood damage

• Earthquake damage

• Damage caused by poor maintenance or negligence

• belongings left outside of your unit

Before accepting a policy, read the fine print to ensure you understand what is and isn’t covered. Your Fuqua Insurance Agency representative can help explain the coverage and exclusions in your condo insurance policy.

Deductibles and Limits

Condo insurance policies typically have a deductible, the amount you have to pay before your insurance kicks in. For example, if you have a $500 deductible and your damages total $1,000, you pay the first $500, and your insurance would cover the remaining $500.

Most policies also limit the maximum amount your insurance will pay for a covered event. For example, if you have a $500 limit for personal property and your damages total $1,000, your insurance would only cover $500.

Give Us A Call

Your Fuqua Insurance Agency representative in Tallahassee, FL can help you choose the right deductible and limits for your condo insurance policy.

Which Type Of Commercial Insurance Is Right For My Business?

Different enterprises have different insurance needs. This usually leaves many business owners scratching their heads, trying to figure out what type of business coverage would be best for their enterprises. Fuqua Insurance Agency offers this guide in navigating commercial insurance. Here is a breakdown of the policies you should get for your business in Tallahassee, FL. 

Which Type Of Commercial Insurance Is Right For Your Business? 

1. General Liability Insurance

General liability insurance is a must-have commercial coverage no matter what business you operate. This policy will protect you and your company against being liable for delivery people, customers, and other non-employees who get injured or have their property damaged while on your premises. General liability insurance will cover court costs, lawyer’s fees, settlements, and judgments.

2. Professional Liability Insurance

If you run an enterprise that provides professional services, you need professional liability insurance. This policy will protect you from customer complaints about work mistakes that result in injury and financial losses. For example, if you are an electrical services company and you do wiring in a client’s home, and after some days, your wiring work causes a fire that damages the house, your professional liability coverage will take care of that.

3. Workers Compensation Insurance

Many business owners don’t think they need workers compensation insurance because they believe they are in a safer industry. This coverage takes care of liability for current employees who experience on-the-job injuries and work-related ailments. At Fuqua Insurance Agency, we recommend all enterprises get this coverage no matter what they do. Even if you only have office employees, an office chair might break under an employee’s weight. In case they sustain hip, pelvic or back injuries, your workers compensation insurance will save you and your business from massive liability. This coverage will pay for missed wages, medical bills, and even death benefits.

Contact Us Today

Do you need tailored commercial insurance for your business in Tallahassee, FL? Contact Fuqua Insurance Agency today for unbeatable business insurance assistance and deals.

Our Partners

  • Bristol West
  • Foremost
  • Heritage
  • Mercury
  • People's Trust
  • Progressive
  • Safeco
  • United P&C