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Fuqua Insurance Agency

1836 Hermitage Blvd, Suite 100
Tallahassee, FL 32308

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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. 

Top 5 Things to Look for in a Condo Insurance Policy

Condo insurance is different than the standard homeowner’s insurance, but there are a few things you should look for that are important for condo insurance in Florida. The condo board may require you to have the right insurance. For answers to your questions, reach out to us at Fuqua Insurance Agency in Tallahassee, FL.

Top 5 Things to Look for in a Condo Insurance

1. Coverage for loss of use or additional living expenses.

This condo insurance offers financial protection if the condo becomes uninhabitable due to a covered loss. This can be a fire or natural disaster. It can provide coverage for temporary housing and living expenses during repairs.

2. Assessment of Loss.

Loss assessment coverage protects condo owners when their association lacks enough insurance coverage for the common areas. Such as the pool area and clubhouse or outer structure. It covers the cost of that special assessment, providing peace of mind in unexpected situations.

3. Loss of Personal Belongings Coverage.

Loss of Personal Belongings Coverage protects owners from financial loss due to damage or loss of personal belongings. The coverage pays for repairing or replacing personal items in case of unexpected life events such as theft, fire, or natural disasters like hurricanes.

4. Personal Liability Coverage.

This condo insurance protects if there is an event causing bodily injury or property damage to others. It can help to cover legal fees, medical expenses, and other costs associated with a liability lawsuit. 

5. Dwelling Coverage.

Dwelling coverage in Tallahassee, FL provides coverage of the cost of repairing or rebuilding the physical structure of a home if it’s damaged by covered events, like fire, wind, or theft. The difference here is it covers your unit only. 

For questions and guidance, reach out to us at Fuqua Insurance Agency.

Term Life Insurance vs. Permanent Life Insurance: Which One is Right for You?

Choosing the right type of life insurance in Tallahassee, FL can be confusing and overwhelming. Term life insurance covers a specific period, while permanent life insurance provides lifelong coverage. Fuqua Insurance Agency explains more differences.

Understanding Term Life Insurance

Term life insurance is a type of life insurance that provides coverage for a specified period, usually between 10 to 30 years. It is designed to provide financial protection to your loved ones in case of your unexpected death. Term life insurance is relatively inexpensive compared to permanent life insurance because it only provides coverage for a limited period.


• Affordable premiums

• Flexible coverage

• Ideal for short-term financial needs


• No cash value accumulation

• Coverage ends when the term expires

• Premiums increase when you renew or extend your policy

Understanding Permanent Life Insurance

Permanent life insurance provides lifelong coverage until the policyholder passes away, as long as the premiums are paid. This type of insurance is typically more expensive than term life insurance because it provides coverage for an indefinite period.


• Lifetime coverage

• Cash value accumulation

• Ideal for long-term financial goals such as estate planning or legacy-building


• Higher premiums

• Less flexible coverage

• Accumulated cash value may be subject to taxes and fees

Reach Out To Us

If you’re looking for life insurance in the Tallahassee, FL metroplex, it’s crucial to pick the right type. Term life insurance is cheaper and offers coverage for a specific timeframe, while permanent life insurance provides lifelong protection and may accumulate cash value. Get in touch with Fuqua Insurance Agency now for further details on choosing between term and permanent life insurance.

Why You Need Condo Insurance

Condo insurance policies are written just for condo owners. They are similar to policies for houses and rental units, but they are specifically tailored to condo owners. Your condo board will require you to have this insurance coverage. If you have a mortgage lender, you will also be required by them to have this insurance. They will want their investment protected. When you need condo insurance, call us today at Fuqua Insurance Agency in Tallahassee, FL.

Condo Protection

Part of the protection that you get from this insurance is coverage for the condo itself. This is written very specifically into your policy based on which portions of the building you own. You don’t have to get insurance for spaces such as outer walls and common spaces. This protection pays for repairs when the condo gets damaged. There are a lot of things that can happen to damage a condo, including certain disasters and calamities. You need to be prepared with this coverage that pays for repairs. Paying for repairs within insurance can be so expensive that it causes serious financial harm. Always keep this insurance to prevent that. 

Item Protection

Condo insurance also pays for your personal belongings that are damaged. If a covered, damaging incident happens, this coverage can pay for getting your items replaced. It’s a good idea to have this coverage with the high cost of replacing so many items. When you add up the value of everything in a condo, it adds up to quite a lot. Without this insurance, it could be very difficult to get everything replaced. 

Get Your Condo Insurance

It’s a good idea to have your condo insurance from the first day that you own your condo. To get your policy, it’s time to call us at Fuqua Insurance Agency in Tallahassee, FL. 

Commercial Insurance: Key Coverage Types and Their Importance for Businesses

Commercial insurance is a critical investment for businesses of all sizes, as it provides essential protection against unexpected financial losses. Fuqua Insurance Agency, a trusted provider of insurance in Tallahassee, FL, can help businesses understand their commercial insurance needs and find policies that provide comprehensive coverage.

Here are some key coverage types and their importance for businesses:

Liability insurance

Liability insurance is an essential part of any commercial insurance policy, as it provides protection against legal claims arising from injuries or damages that occur on your business premises or as a result of your business operations. Liability insurance can cover the costs of legal defense, settlements, and judgments. We help businesses in Tallahassee, FL determine their liability insurance needs and find policies that provide adequate coverage.

Property insurance

Property insurance can protect businesses against losses resulting from damage or destruction of their physical assets, such as buildings, equipment, and inventory. Property insurance can also cover losses resulting from events such as theft, fire, or natural disasters. Fuqua Insurance Agency can work with businesses to determine their property insurance needs and find policies that provide comprehensive coverage.

Cyber liability insurance

With the increasing amount of sensitive data that businesses store online, cyber threats such as hacking and data breaches have become more common. Cyber liability insurance can provide coverage for the costs associated with a data breach, including legal fees, notification costs, and credit monitoring services for affected customers. Our team understands their cyber liability insurance needs and finds policies that provide the right level of coverage.

Reach Out To Us

Commercial insurance is a critical investment for businesses in Tallahassee, FL. Fuqua Insurance Agency can help businesses understand their insurance needs and find policies that provide comprehensive coverage. By working with a trusted insurance provider, businesses can ensure that they are prepared for whatever challenges come their way.

Our Partners

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