Florida Insurance Blog

Adjusting the specifics of your auto insurance policy

An auto insurance policy contains a number of specific types of coverage in case of losses or accidents. You can speak to an agent at Morgan Insurance Services to learn more about what types of additional coverage will work best for you.


Policies have liability for a certain monetary amount, and this type of coverage is required in each state. This is meant to protect the policyholder and others if there is a lawsuit or other financial losses that must be covered. It is required by law because the government has an interest in protecting its citizens and property. Purchasing a greater amount of liability coverage means that you will have the insurance company pay out greater amounts on your behalf after an accident so that you do not have to pay out of pocket. 

Deductibles for collisions

Depending on the deductible amount, paying out of pocket for repairs can be a huge expense after an accident. This is why it is advisable for some drivers to adjust their deductible for a lower amount and pay directly into the policy. This is especially true for newer or more expensive cars that may cost more to repair. If a car is older, there is also the option of taking collision insurance off of the policy completely for the savings. 

Uninsured persons, third parties, and other protections

Most insurance companies will also offer additional coverage for accidents involving those without insurance, or others who may be affected. These can be added or removed as necessary.

Get help changing a policy today

To learn more about changing the specifics of your policy, contact an agent at Morgan Insurance Services. They will provide more specific information about changing or updating a policy. 

The Complete Beginners Guide To Home Insurance

Home insurance can be overwhelming if you’ve never had to get it before. Rather than make bad choices about coverage, Morgan Insurance Services in Tampa, FL can help you. Knowing about what’s included in a policy and how it can be customized to meet your needs will ensure that you get the coverage that you can count on.

What Home Insurance Includes

While not all home insurance policies are alike, there are a few things that are included in all of them. This ensures that you have the basic coverage that you need for:

  • Your dwelling
  • Personal property inside of your dwelling
  • Other structures on your property
  • Liability for injuries and/or damage

Some policies can vary based on the company that you go through as well as where you live. This is why you have to pay attention to the fine print and know how you can make a few key customizations to the policy.

How to Customize a Policy

Every home insurance policy can be customized in a few ways. You want to make sure that your policy has enough coverage to make repairs to your home. As you make upgrades, you need to inform the insurance company so that coverage limits go up. You don’t want to run into a situation where there is home damage or items lost and the insurance company doesn’t cover the full amount.

You can customize a policy to cover more valuable items in your home, items that are not stored on the property, and more. You can also boost liability levels and ensure that you have coverage for accommodations in the event that you cannot live in your home for a certain amount of time following a disaster.

Get your no-obligation home insurance quote by calling us at Morgan Insurance Services in Tampa, FL today. One of our insurance agents can work with you to answer questions and help you build the right policy.

Steps to Prepare Your Home For a Hurricane

We are coming out of Hurricane season in Tampa, FL. During this time, you should re-evaluate your Hurricane preparedness plan and make sure that your property is properly insured against damage from a Hurricane. Florida’s law requires property insurance to cover damage caused by Hurricane force winds, but it doesn’t necessarily have to include flood damage. If you are not sure what type of policy you have, contact an agent at Morgan Insurance Services today, and we can help assist you in making sure you have the full coverage of your property needs.

Even if you have insurance to cover loss or damage, you should still take some steps and precautions to protect your home from a hurricane.

  1. Make a list and take pictures of all belongings in your home and keep it in a safe, waterproof place. This will help you file a claim if necessary.
  2. Use sandbags to protect your home from flooding.
  3. Bring in loose and lightweight items from outside that could be thrown around in high winds. Such items could be patio furniture and garbage cans.
  4. If an object can’t be brought inside for safety reasons, make sure you anchor it down. This could be a propane tank or a small garden shed.
  5. Trim branches or remove trees that are close to your house to avoid them from falling onto it.
  6. Cover your windows by either boarding them up with plywood that fits to the size of your window or by installing storm shutters.

Having insurance and taking these necessary precautions will help you during a storm. For more information, contact a Tampa, FL agent at Morgan Insurance Services today, so we can make sure you have peace of mind and are fully covered for whatever happens.