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Fuqua Insurance Agency

1836 Hermitage Blvd, Suite 100
Tallahassee, FL 32308

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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.

Boat Damaged by Natural Causes? What You Need to Know About Making a Claim

Storms and hurricanes can be a boat owner’s worst nightmare. At Fuqua Insurance Agency, we understand the needs of boat owners in Tallahassee, FL and are here to help if a natural disaster affects your property. 

Reach Out To Fuqua Insurance Agency Immediately

Don’t try to mitigate the damage before you reach out to your insurance company. Your insurance agency should be contacted as soon as you notice harm to your boat caused by a natural disaster, so you can discuss filing a claim. Your agent will be able to suggest the next action to take, and simply obtaining more information does not require you to submit a claim.

Remove Your Personal Belongings 

Only if it’s safe for you to do so, remove all personal items from the boat to prevent any further damage. If it is unsafe to enter your boat, don’t attempt to remove your personal items. Any damaged or destroyed personal belongings should be immediately reported to your insurance company.

Don’t Move Your Boat

Consult your insurance provider to decide the best course of action if your watercraft has been submerged or if it has been totaled. Do not tow it anywhere and do not execute a salvage contract before speaking with your insurance provider.

We’re here to help!

At Fuqua Insurance Agency in Tallahassee, FL, we’re here to help you find the right boating policy that suits your personal needs. Reach out to us today or stop by our office to learn more about our boat insurance policies so that if natural disaster strikes, you’ll be ready. 

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. 

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