Name: Fuqua Insurance Agency
Address: 1836 Hermitage Blvd, Suite 100, Tallahassee, FL, 32308
Telephone: 850-386-2300

What Are the Benefits of Whole Life Insurance?

Posted on June 30, 2025June 17, 2025 by admin

Whole life insurance offers several important benefits, making it a popular choice for many individuals. This type of life insurance differs significantly from term life insurance, particularly in its coverage length and cash value. If you’re in need of life insurance, we’re here to help. Contact us at Fuqua Insurance Agency in Tallahassee, FL, to get started.

Coverage Length

Unlike term life insurance, which has an expiration date, whole life insurance provides lifelong coverage. As long as you continue to pay your premiums, the policy remains in effect and cannot be canceled by the insurance company, regardless of your age. Many people choose whole life insurance for its permanence, ensuring they never have to purchase another policy and can rely on consistent coverage throughout their lives.

Cash Value Benefit

Another key advantage of whole life insurance is its ability to build cash value over time. This value starts small and grows steadily, eventually becoming a substantial amount that policyholders can borrow against. Having access to this cash value provides peace of mind, as it can be used during financial emergencies.

Get Whole Life Insurance

With a whole life insurance policy, you can enjoy lifelong coverage and the added benefit of cash value accumulation. Your loved ones will be financially protected, and you’ll have access to funds if needed. Contact us today at Fuqua Insurance Agency in Tallahassee, FL, to learn more and secure your policy.

Does Condo Insurance Cover Plumbing?

Posted on May 30, 2025May 24, 2025 by admin

Plumbing issues can lead to significant repairs in Tallahassee, FL condos. Such problems range from clogged pipes to leaky washing machines. In addition to fixing the plumbing, fixture, or appliance, you might need to repair the resulting water damage. The good news is that condo insurance will cover plumbing-related services under the right circumstances.

What It Covers

A condominium policy often provides coverage of repairs and water damage if the plumbing inside of your unit fails suddenly and unexpectedly. On the other hand, it probably won’t cover problems that result from a lack of maintenance, such as a small leak that gradually becomes worse over time. Sewer backup coverage is typically optional.

Common Areas

Plumbing shared by multiple units is usually the condo association’s responsibility. Associations normally have insurance that covers shared equipment, known as a "master policy". If plumbing in a common area fails and causes harm to your unit, the issue becomes a little more complicated. This water damage may be covered by your condo insurance or the association’s master policy. Review the master policy for more details.

Neighboring Units

Another possibility is that plumbing inside a neighbor’s condo could leak and damage your unit. In this situation, either your insurance company or your neighbor’s insurer might cover the repairs. This potential problem highlights the importance of carrying insurance when you live in a condominium, even if your condo doesn’t contain any expensive items.

If you’d like to protect your plumbing with a dependable condo policy, talk to the experts at Fuqua Insurance Agency in Tallahassee, FL. We have decades of experience and offer coverage from a variety of reputable insurers. To get started, please contact Fuqua Insurance Agency by calling 850-386-2300 today.

Insuring a One-Person At-home Business

Posted on April 30, 2025April 19, 2025 by admin

As a business owner, one of your responsibilities is to purchase commercial insurance. Many business owners have questions about their commercial insurance. If your business is located near Tallahassee, FL, our team at Fuqua Insurance Agency encourages you to meet with one of our agents to discuss your insurance needs. We’ve been providing insurance services to clients in your area for over 45 years.

Insuring a One-Person At-Home Business

Our team at Fuqua Insurance Agency can help you, regardless of the size of your business. If you own a one-person at-home business, you shouldn’t assume that your homeowner’s insurance policy will cover your liability or property. Many homeowners’ policies exclude damage to your home if you use your home for business purposes. According to the Florida Chief Financial Officer, a homeowner’s claim may be denied if you fail to disclose the existence of an at-home business at the time you apply for the claim.

If your home business involves products, inventory, or walk-in clients, it may be necessary to purchase a business owner’s insurance policy. According to the Florida Chief Financial Officer, owners of one-person at-home businesses may need to shop around to find their best options for small business health insurance. If you belong to a professional association, you may discover insurance options that are available through that association.

Call Us Today for Your Appointment

We look forward to meeting you and learning about your company’s insurance needs. Businesses in Tallahassee, FL have learned they can rely on us for their insurance solutions. All our agents at Fuqua Insurance Agency are dedicated to helping you find the right insurance options at rates your business can afford. Call us today to schedule an appointment, and let’s discuss your insurance.

How Watercraft Insurance Handles Repairs After a Natural Disaster

Posted on March 28, 2025March 20, 2025 by admin

One of the risks of owning a watercraft is its exposure to adverse weather events such as a hurricane. A bad storm can damage your watercraft to the point it requires repair to become seaworthy again, but if you have the right insurance policy, you can get those repairs covered. At Fuqua Insurance Agency in Tallahassee, FL, we know the risks of owning a watercraft and can cover your vessel against calamity. Here’s a look at how.

Understanding Comprehensive vs. Liability Insurance Coverage for Watercraft

A comprehensive policy, also known as full coverage, repairs the damage done to your watercraft without question. In contrast, a liability policy won’t cover damage to your vessel after a storm. The comprehensive policy is designed to cover storm damage, even if the vessel sinks and is unrecoverable.

The only time a comprehensive policy won’t cover damage done by a storm is when it contains language that says it doesn’t offer this type of coverage. Otherwise, you can rely on your insurance to help you get the watercraft repaired and seaworthy once again.

How Insurance Companies Determine Needed Repairs

An adjuster from the insurance company comes to view your watercraft and get a first-hand look at the damage that your watercraft sustained. They’ll document the damage and then guide you through the repair process. If the watercraft has sunk, it’s considered a total loss, and you’ll be compensated for its value.

Contact Fuqua Insurance Agency Today for More Information

Our agents at our office in Tallahassee, FL, are familiar with the risks associated with owning watercraft and natural events and are ready to discuss getting the right insurance policy. We’ll explain how comprehensive insurance protects your vessel and what you can expect from the claims process if it ever sustains damage.

How Seemingly Minor Car Damage can Cause a Total Loss

Posted on February 28, 2025February 19, 2025 by admin

Over the past decade, cars have been engineered to meet various safety standards and use innovative technologies. The result is vehicles requiring expensive parts for common functions, and highly trained technicians to perform the repairs. Sometimes, this results in a total loss of the car, causing you to start over with a new vehicle. We at Fuqua Insurance Agency in Tallahassee, FL, are here to help you understand why this happens.

Sometimes Minor Damage Conceals Bigger Problems

Modern vehicles are designed to withstand the impact of an accident while protecting the occupants from serious injuries. A low-speed accident can damage the car panels and transaxle, issues that seem to be easily fixed. Yet, an insurance adjuster can decide that the car needs to be totaled. It’s not an ideal outcome, but there is a good reason why the adjuster made this decision.

Car Value Vs. Repair Costs

The issue is that newer cars are built using sensors, cameras, and various control modules to aid and control how a vehicle is operated. These items and others typically need replacing after an accident, which adds to the cost of repairs. That means a car with minor sheet metal and suspension damage costs more to fix than its current value. This results in the adjuster totaling the car.

Call Us Today to Talk to Us About Auto Insurance

At Fuqua Insurance Agency, we’re happy to talk to you about your auto insurance needs and find you a policy you can be happy with. Give us a call at our Tallahassee, FL office to speak to an agent and discuss the different types of auto insurance policies. We’ll go over what you can expect from your policy, what to do after an accident, and how insurance companies handle claims.

Safeguarding Properties as a Landlord With Umbrella Insurance in Tallahassee, FL

Posted on January 31, 2025January 22, 2025 by admin

As a landlord in Tallahassee, FL, safeguarding your investments is a top priority, particularly when it comes to managing potential tenant and environmental risks. While your standard landlord insurance policies may cover damage and losses to a certain extent, umbrella insurance may be necessary for comprehensive coverage against all liability claims. Understanding how umbrella insurance can be a valuable asset is crucial for those seeking peace of mind while managing properties.

Understanding Umbrella Insurance for Landlords

Umbrella insurance extends the coverage of standard insurance policies. It can be beneficial for those who need protection beyond the limits of a standard policy.

Advantages of Umbrella Insurance for Landlords in Tallahassee

Some of the most significant benefits of obtaining umbrella insurance as a property owner or landlord in Tallahassee include:

Protection From Unforeseen Risks: Standard insurance policies are unlikely to cover claims of wrongful eviction, slander, and even tenant discrimination suits, which is where umbrella insurance comes into play.
Multiple Properties: If you own multiple properties throughout Florida or Tallahassee, umbrella insurance simplifies policy management.
Protection Against Costly Lawsuits: Umbrella insurance can cover medical expenses, legal fees, and any costs that exceed the current limits of your landlord insurance, filling in the gaps where you lack protection.

The more you understand the basics of umbrella insurance for landlords, the easier it will be to find a policy that meets your coverage needs. Whether you own a single property or multiple apartment buildings in Tallahassee, FL, Fuqua Insurance Agency can help you find the umbrella insurance policy that’s right for you. For more information and to schedule your initial consultation, contact Fuqua Insurance Agency today.

How Flood Insurance Helps During Evacuations and Displacements

Posted on December 23, 2024December 19, 2024 by admin

Floods can bring life to a standstill, often forcing families to evacuate their homes with little notice. Financial uncertainty is the last thing anyone wants to worry about during such crises. That’s where flood insurance steps in as a crucial safety net. At Fuqua Insurance Agency, proudly providing flood insurance to residents in and around the greater Tallahassee, FL region, we’ve seen firsthand how having the right coverage can make all the difference during these challenging moments.

Flood Insurance: Covering the Costs of Temporary Living Expenses

When a flood makes your home uninhabitable, finding a safe place to stay can quickly become overwhelming. Hotels, food, and other essentials add up fast, especially if you’re displaced for weeks or even months. Flood insurance can help alleviate this burden by covering additional living expenses such as temporary housing and meals. This support ensures that you and your family can focus on rebuilding your lives instead of worrying about mounting bills.

Flood Insurance: Protecting Your Belongings

Evacuations often mean leaving behind cherished possessions, and floodwaters can cause devastating damage. While homeowners insurance may not cover flood-related losses, a solid flood insurance policy can help reimburse you for damaged furniture, electronics, clothing, and other personal items. Knowing you have this safety net allows you to evacuate with peace of mind, even if you can’t take everything with you.

Flood Insurance: A Financial Lifeline in Uncertain Times

Flood insurance isn’t just about protecting your property—it’s about protecting your future. Whether it’s covering repair costs or helping you stay afloat during displacement, it ensures that you’re not facing disaster alone.

Secure Your Flood Insurance with Fuqua Insurance Agency

If you’re in Tallahassee, FL, let Fuqua Insurance Agency help you find the right flood insurance policy today. Don’t wait until it’s too late—prepare now for whatever life may bring.

How Does Condo Insurance Differ from Home Insurance?

Posted on November 25, 2024November 20, 2024 by admin

Estimates indicate that there are about 1.5 million condos in the Sunshine State. These housing units are available in multiple sizes and price points, making it easy for anyone looking for a great place to live to find the perfect spot. Even so, Florida is vulnerable to severe weather, and it’s important to ensure you understand what your condo’s insurance policy does and doesn’t cover.

Condo Insurance vs. Home Insurance

Condo associations in Tallahassee, FL, typically purchase a master insurance policy that covers the entire exterior of the home. This includes outdoor structures such as a pool, fence, or detached garage. It also includes indoor structures attached to the walls of the house, such as kitchen cabinets, a furnace, and an HVAC unit. The cost of such a policy is usually included in the association fees.

Condo insurance covers the interior of your home and your personal belongings. It may also provide liability coverage if someone has an accident inside the house. However, there are a few limits that you’ll want to be aware of. First, if you upgrade the interior of your home, you’ll need to notify your insurance company so it can update your policy. Second, condo insurance doesn’t offer unlimited compensation for personal belongings, so you’ll need additional coverage if you own expensive heirlooms or antiques.

Contact Fuqua Insurance Agency for More Information

Fuqua Insurance Agency specializes in helping Tallahassee, FL, condo owners sift through condo insurance options to find the policy that’s the best fit for their personal situation. Contact us to learn more about our policies or to get a quote on the policy of your choice.

Is Term or Whole Life Insurance Better for Tallahassee Residents?

Posted on October 21, 2024October 18, 2024 by admin

In the guide below, Fuqua Insurance Agency explores whether term or whole life insurance is better for Tallahassee, FL, residents.

Term Life Insurance

Term life insurance is one of the most affordable options that covers policyholders for designated periods. This form of insurance is typically more affordable than whole life insurance policies, and it offers no cash value for policyholders.

Whole Life Insurance

If you’re seeking true lifetime coverage and cash value benefits, then a whole life insurance policy could be your best option. Whole life insurance policies that last for a lifetime are typically more expensive than term-based life insurance policies that expire after designated periods.

Differences Between Term and Whole Life Insurance

A primary difference between term and whole life insurance policies is that term policies expire, while whole life insurance policies do not. Term policies can be renewed at the end of their expiration period, whereas whole life insurance policies never run out unless the policy is canceled.

How to Choose Between Whole Life and Term Life Insurance in Tallahassee

The best way to choose between short-term and long-term life insurance policies is to assess your income, financial responsibilities, and goals for surviving family members who would be affected by your death.

Talk to a knowledgeable life insurance agent to get a clear assessment of the best options for your unique lifestyle, budget, and life insurance expectations. An agent can answer your questions and provide you with a variety of policies to meet your needs.

Take the first steps towards protecting your home and family today – Contact Fuqua Insurance Agency in Tallahassee, FL to request a term or whole life insurance quote today!

Essential Condo Insurance Tips for First-Time Condo Owners in Tallahassee

Posted on September 30, 2024September 25, 2024 by admin

The first step to successful condo ownership is to know the rules and regulations required for your new condo association.

The following are a few tips from Fuqua Insurance Agency to help keep your new condo safe!

Be Prepared to Cover Expenses for Maintenance and Repairs

There’s nothing more satisfying than kicking your feet up in your new home, knowing that your financial interests are fully protected from unexpected havoc, which includes some of the following potential incidents.

Water Damage: Flooding from natural disasters, hurricanes, storms, or busted pipes can cause significant damage to your unit.
Fire Damage: Condo fires can result in the loss of personal property and additional living expenses, which could be covered by the right insurance.
Theft: Burglaries and break-ins can leave new condo owners in despair without the added protection of comprehensive condo insurance on their side.
Wind Damage: Hurricanes, tornadoes, and high winds can cause structural damage, broken windows, and roof damage.
Hail Damage: Protect your unit from hail damage that can injure your condo’s roof, siding, and exterior components.

Get Condo Insurance to Protect Your Investment

What steps will you take to protect your most expensive investment?

Forward-thinking condo owners invest in comprehensive condo insurance to protect their condos and assets in the event of a natural disaster, break-in, or other covered incident that would typically result in high repair or replacement costs.

Talk to a trusted local insurance agent at the Fuqua Insurance Agency in Tallahassee, FL, to learn more about condo insurance coverage available to Florida homeowners.

When you contact our offices in Tallahassee, FL, today, our professional team will work with you to provide advice, answer your insurance-related questions, and provide a customized quote for condominium insurance!