Find the Information You Need

Florida law requires drivers to have auto insurance with a minimum of $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL).

Yes, LAJ Insurance Agency provides uninsured motorist coverage. This coverage can protect you from damages caused by a driver who is uninsured or underinsured.

Yes, LAJ Insurance Agency typically covers rental cars, but it's best to check your individual policy or consult with your insurance agent to confirm.

A DUI can significantly increase your auto insurance rates in Florida. It's considered a serious offense and suggests a higher level of risk to insurance providers.

At LAJ Insurance Agency, we strive to make the claims process as smooth as possible. You can file a claim online, over the phone, or through your insurance agent. Once the claim is filed, a claims adjuster will review it and guide you through the process.

Florida does not require motorcycle insurance by law, but it's highly recommended to protect yourself and your motorcycle. If you're in an accident and do not have insurance, you could be held liable for all costs involved.

Motorcycle insurance from LAJ Insurance Agency can provide coverage for bodily injury liability, property damage liability, collision, comprehensive, medical payments, and uninsured/underinsured motorist coverage.

Yes, LAJ Insurance Agency offers motorcycle insurance for many types of bikes, including cruisers, sport bikes, touring bikes, standard, dual-purpose, dirt bikes, and more.

Yes, LAJ Insurance Agency offers several discount options for motorcycle insurance, such as multi-policy, responsible driver, and motorcycle safety course discounts.

You can request a quote for motorcycle insurance from LAJ Insurance Agency online, over the phone, or by visiting a local office.

A standard homeowners insurance policy in Florida typically covers the physical structure of your home, personal property, liability protection, and additional living expenses if you're temporarily unable to live in your home due to a covered loss.

Homeowners insurance isn't required by law in Florida, but if you have a mortgage, your lender will likely require you to have coverage.

Rates for homeowners insurance in Florida are based on factors such as the value and age of your home, its location, construction type, and your claims history.

LAJ Insurance Agency policies typically don't include flood coverage. However, you can purchase a separate flood insurance policy for that protection.

Some ways to potentially lower your premiums include installing safety features in your home, maintaining a good credit score, choosing a higher deductible, and bundling your insurance policies.

Florida condo insurance (HO-6) covers your unit’s interior, belongings, and liability. The association’s policy covers the building structure and common areas but excludes personal property and interior finishes.

Yes, most Florida condo policies include hurricane and windstorm coverage with a separate deductible. In high-risk areas, a standalone wind policy may be needed. LAJ Insurance Agency can help ensure proper windstorm coverage.

Condo insurance isn’t required by Florida law, but lenders and associations often mandate it. LAJ Insurance Agency helps find affordable policies that meet lender and association requirements while protecting your home.

No, standard condo insurance doesn’t cover floods. Flood insurance must be purchased separately. LAJ Insurance Agency can help secure flood coverage for full protection against storm surge and rising waters.

Save on condo insurance by installing storm-resistant features, bundling policies, raising deductibles, and maintaining good credit. LAJ Insurance Agency agents help you find discounts and tailor coverage to your budget and needs.

While renters insurance isn't required by law in Florida, some landlords or property management companies may require it as part of the rental agreement.

Renters insurance from LAJ Insurance Agency typically covers personal property, liability, and additional living expenses if you're temporarily unable to live in your rental unit due to a covered loss.

No, renters insurance typically only covers the policyholder. Each roommate should consider getting their own policy.

No, renters insurance does not typically cover flood damage. You would need separate flood insurance for that.

The cost of renters insurance from LAJ Insurance Agency depends on various factors, including the value of your personal property, your coverage limits and deductibles, and the location of your rental un

Flood insurance is not mandatory for all residents in Florida. However, if your property is located in a high-risk flood zone and you have a mortgage from a federally regulated or insured lender, you are required to have flood insurance.

No, standard homeowners insurance policies do not cover flood damage. Flood insurance must be purchased separately.

Flood insurance from LAJ Insurance Agency covers physical damage to your home and personal belongings from floodwaters. It's important to note that coverage limits and exclusions may apply.

You can use the FEMA Flood Map Service to determine your home's flood risk.

Yes, flood insurance covers damage caused by flooding, which can be a result of hurricanes. However, it does not cover wind damage from hurricanes. This would typically be covered under your homeowners insurance.

A BOP combines general liability and commercial property insurance. It protects Florida businesses against third-party claims, property damage, and business interruptions, offering broad protection in a single, cost-effective policy.

Small to medium-sized Florida businesses with property and liability risks, like retail stores, restaurants, and offices, benefit from a BOP. It offers comprehensive coverage in one convenient policy.

Yes, LAJ Insurance Agency BOPs typically include coverage for hurricane and windstorm damage, covering repairs and lost income after storms. Policies may have specific hurricane deductibles based on location.

No, standard BOPs do not include flood insurance. LAJ Insurance Agency helps businesses secure separate flood policies through NFIP or private insurers for full disaster protection.

A BOP offers bundled coverage, cost savings, and simplified management. It can include additional protections like equipment breakdown or cyber liability, tailored to Florida business risks.

It covers buildings, improvements, equipment, inventory, and furnishings against fire, theft, vandalism, and wind damage. Business interruption coverage helps recover lost income during closures. Flood damage requires a separate policy.

Florida law doesn't mandate it, but lenders, leases, and some local jurisdictions may require coverage. Given Florida's hurricane risk, having commercial property insurance is highly advisable for businesses.

Yes, LAJ Insurance Agency policies generally include hurricane and windstorm coverage. In coastal areas, specialized policies or higher deductibles may apply. Coverage is tailored to your business location and risk profile.

No, flood damage isn't covered by standard policies. LAJ Insurance Agency can help secure separate flood insurance through NFIP or private insurers for full protection.

Rates depend on location, building age, construction type, safety features, and property value. High-risk areas and older buildings cost more. LAJ Insurance Agency agents help find discounts and competitive rates.

Florida requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL) for commercial vehicles. Taxis and limousines need higher coverage. LAJ Insurance Agency recommends higher limits for better protection against lawsuits.

Commercial auto insurance covers business-use vehicles with higher liability limits and multiple drivers. Personal auto policies exclude most business activities. LAJ Insurance Agency helps ensure your business vehicles are properly covered.

Yes, LAJ Insurance Agency offers Uninsured/Underinsured Motorist (UM/UIM) coverage. It covers medical bills, lost wages, and expenses when an uninsured driver causes an accident, providing critical protection for your business vehicles.

Yes, LAJ Insurance Agency offers Hired and Non-Owned Auto coverage, protecting your business when employees use personal or rented vehicles for work tasks. This safeguards your company from liability if personal insurance denies a claim.

Florida businesses should consider Bodily Injury Liability, Comprehensive, Collision, Medical Payments, and UM/UIM coverage. These options protect against theft, accidents, vandalism, and uninsured drivers. LAJ Insurance Agency customizes policies to fit your unique business risks.

Boat insurance isn't legally required in Florida. However, if you have a loan on your boat or you dock it at a marina, you might be required to carry insurance.

LAJ Insurance Agency Boat Insurance typically covers damage to your boat, motor, trailer, and personal items in the boat. It also covers liability if you injure someone or damage their property.

Yes, LAJ Insurance Agency offers several discounts for boat insurance, such as a multi-boat discount, a claim-free discount, and a safety course discount.

Boat insurance from LAJ Insurance Agency typically doesn't cover boat racing activities. You should check with your LAJ Insurance Agency insurance agent for specific details.

To file a claim, you can contact LAJ Insurance by phone or online. A representative will guide you through the process.

Umbrella insurance is a type of liability insurance that goes above and beyond the coverage limits of your other insurance policies, such as homeowners or auto insurance. It can provide extra protection in case of a large claim or lawsuit.

Umbrella insurance is a good idea for anyone who has assets that could be at risk in a lawsuit. This could include homeowners, car owners, and especially those with a high net worth.

The amount of umbrella insurance you need depends on your personal risk factors, including your assets and potential for liability. It's best to speak with a LAJ Insurance Agency agent to determine the right amount of coverage for you.

LAJ Insurance Agency Umbrella Insurance typically covers large liability claims related to your home, auto, or boat insurance that exceed your standard policy limits.

Umbrella insurance typically does not cover business activities unless you have a specific commercial umbrella policy. Always check with your LAJ Insurance Agency agent to clarify your coverage