Florida Insurance Blog

Required Auto Insurance in Florida

Florida, like other states, mandates that every vehicle in Florida must be covered by an auto insurance policy that meets or exceeds the minimum required amounts set forth by the state. If you don’t have coverage on your vehicle, you need auto insurance in order to drive legally. For more information about auto insurance, call us now at Morgan Insurance Services in Tampa, FL.

Personal Injury Protection

Before you can register your vehicle in Florida, there must be two types of insurance on it. One of these is personal injury protection, as Florida is a no-fault state. This kind of coverage provides money for needed medical expenses that result from the accident. And, it doesn’t matter who caused the accident. Whether you caused it or not, your personal injury protection coverage will pay 80% of your medical bills up to their maximum payout. However, it is a low amount that is required. It’s generally recommended that you get a higher amount of coverage in case of a serious accident. 

Property Damage Liability

If you were to be in an accident that you caused, you may be liable for the repair bills to the other vehicle. Paying for this alone can be difficult, especially if the other vehicle was an expensive one. With your property damage liability, these bills get paid up until their payout maximum. As with personal injury protection, it’s a good idea to get a higher amount of property damage liability coverage than is required. 

Get Auto Insurance Now

If you don’t have at least the minimum auto insurance required by the state, you are in danger of a number of fines and fees. To get an auto policy of your own, give us a call right away at Morgan Insurance Services in Tampa, FL to find out more. 

How Summer Maintenance Impacts Home Insurance

Morgan Insurance Services provides coverage to the Tampa, FL community, as well as the surrounding areas. We strive to help our clients find the policies they need to help minimize risks. We offer flexible policies tailored to your individual needs. We can help you protect your assets.

How Summer Maintenance Impacts Home Insurance

Your Tampa, FL home is a unique asset. Home insurance covers you in multiple ways. The structure of your home is covered if inclement weather moves through the area and causes damage. The interior of your home is also covered, including your walls and flooring. Your personal items are also covered if they are stolen or vandalized. Liability coverage protects you if a guest is injured while visiting your home.

The summer is a great time to perform maintenance on your home. You’ll get to enjoy warm weather. Summer maintenance also has an impact on your home insurance. Inspect your porch to see if there are cracks or other potential hazards. This can prevent you from being involved in a potential liability dispute if someone gets hurt.

Trim the trees and bushes around your home. If you reside in an area that is prone to inclement weather, trimming the trees and bushes could prevent the possibility of them falling into your home and damaging it. It also reduces the likelihood of the trees causing damage to your neighbor’s property, which you would be held responsible for.

If you have a swimming pool, summer is definitely the time to inspect it. Clean and balance the chemicals before using the pool. This can help prevent potential liability issues in the future.

Morgan Insurance Services Will Help You Find The Right Policy

Visit our website to learn more information about home insurance.

Important questions to ask before purchasing pet insurance.

The agents at Morgan Insurance Services know how much residents in the Tampa, FL area love their furry friends. Pet insurance is one way to help keep pets healthy and keep pet owners from having to pay large medical bills. Knowing which policy is best for you and your pet can be confusing. Below are the important questions to ask before purchasing pet insurance. 

Can I keep my current pet care provider? 

If you love your current veterinarian practice, it is critical to find out if the plan will cover your vet. In addition to checking with the insurance carrier, you will want to check with your vet to confirm they will accept the insurance. 

What is the deductible?
Most insurance companies will offer various deductible amounts. You will want to review the different options available and decide which level of deductible makes the best sense for you. 

Are there exclusions?

All insurance policies have certain incidents that the policy will not cover and it is extremely important to know what is excluded under your policy. For example, if your pet has a preexisting condition, it will probably not be covered. There are also various add-on coverages that you can purchase. 

Is there a waiting period before coverage will start?

Many policies will have a 30 day waiting period prior to the coverage taking effect. Each carrier can vary on how long the waiting period will be. 

Does it cover routine care?

Many policies do not cover routine care. If routine care is an important feature to you, make sure you are purchasing a comprehensive plan with this coverage. 

Is there an age limit?

Many companies will not offer insurance to aging pets. It is important to purchase the coverage when the pet is younger so that you will be offered renewals as the pet ages. 

If you live in the Tampa, FL area and would like to learn more about pet insurance plans, reach out to an agent at Morgan Insurance Services today. 

Why renter’s insurance is important when starting out

If you live in the Tampa, FL area as a renter, you may have some questions about renter’s insurance. Fortunately, Morgan Insurance Services is here to guide you through the process. It is important to have one’s own insurance policy in the case of damage or theft at your rental. Our team is here to answer any questions you may have and provide the information you need to make an informed policy choice.

Why you need renter’s insurance

Landlord insurance typically covers common areas within a rental building as well as the structure itself. If there is damage to your individual unit, the landlord’s policy will not provide any coverage. Because of this reality, it is advisable for young people starting to carry an adequate renter’s insurance policy. 

The main reason to have such a policy is to protect one’s belongings. In the event of a catastrophe, your individual policy can help you repair or replace any covered items. There are also policies available that may cover some expenses incurred if your residence becomes uninhabitable. Because of these benefits and the potential downfalls of not carrying insurance, it makes sense for everyone to carry renter’s insurance.

As you are starting, it may feel like you don’t have many possessions that need protection. However, having to start over just as you are getting started can be incredibly stressful. Why not protect yourself against any disruption due to a loss.

Don’t go without renter’s insurance!

Morgan Insurance Services is here to answer all of your questions about renter’s insurance in the Tampa, FL area. If you would like to find out more about the available policy options, call or visit our office or website today.

What every RV owner should know about safety maintenance

A dependable RV gives you the peace of mind to enjoy the ride as you tour the world. However, there are a few need-to-know basics every RV owner should know. It would be best if you had more than RV insurance to stay safe on Tampa, FL roads, and other parts of the country. Morgan Insurance Services recommend being prepared for anything and balancing sensible safety with family fun. Here are a few tips.

Know how to use all the safety features in your RV

RVs come with many advanced safety features, and you may never know they exist until someone shows you how to use them. Talk to an RV expert to help you understand your RV better and learn to use every feature appropriately.

Never skip routine maintenance

Regular tune-ups keep your RV in stable condition for long and short trips. Never take a long trip without pre-trip maintenance. Your mechanic should inspect your tires, change the oil, inspect the belts and fire extinguishers and ensure they’re in their best condition.

Always have a backup plan

Whether you’re touring the cities around Tampa, FL or moving from one state to another, you should know what to do if something out of the ordinary happens. It feels nice to be in foreign places, but an unfamiliar environment can be potentially dangerous if you don’t have a backup plan. Do your homework early enough and know where hospitals, veterinary clinics, gas stations, and even grocery stores are located.

Practice simple safety precautions

Simple practices like locking the door properly, Closing the blinds, driving defensively, camping on safe campgrounds, checking the weather before heading out helps you stay out of trouble. If you travel alone, these safety practices are easy to get used to. But if you are traveling with your family, you may want to be extra careful. 

Don’t forget to update your RV insurance. If you don’t have one yet, our skilled insurance agents at Morgan Insurance Services can help you acquire one that fits your style, comfort, and budget. Call us for a deal!

What You Need to Know About Motorcycle Insurance

Owning a motorcycle brings with it a certain type of excitement and freedom. Although this is one of the important reasons for owning a motorcycle, motorcycle enthusiasts must also realize that bike ownership comes with a special kind of responsibility. At Morgan Insurance Services, serving Tampa, FL, we are committed to helping bike owners like you make the best insurance choices. Understanding how motorcycle insurance works is the first step. 

What’s the Difference Between Motorcycle and Auto Insurance?

Many people think that a motorcycle will fall under the same type of policy as a regular automobile. The truth is, a motorcycle policy is a specially designed policy to meet the special needs and risk factors of bike owners. To make sure you are sufficiently covered, it is important to make sure you have the right kind of policy to prevent yourself from being left financially vulnerable.

What Does Motorcycle Insurance Cover?

Motorcycle insurance will provide increased personal injury coverage because a biker is at increased risk of injury when they do not have a protective vehicle surrounding them. During a wreck, the biker is at greater risk of serious injury. Motorcycle insurance will also provide important liability insurance coverage, which will kick in if the biker is the cause of a wreck that produces damage and injuries to others. These are important types of coverage to have. Motorcycle insurance policies also offer a pause feature so that you can pause your coverage and save money during extended periods of non-use of your bike. This is a helpful feature for bikers who do not use their bike all year. 

If you would like to learn more about our services, please contact Morgan Insurance Services, serving Tampa, FL. We will be happy to answer your insurance questions today. 

5 Reasons Why Florida Residents Should Research Umbrella Insurance Policies

Morgan Insurance Services proudly serves the Tampa, FL community. We understand that each of our clients has unique individual needs. That’s why we offer multiple types of insurance coverage to help our clients protect what matters most.

5 Reasons Why Umbrella Insurance Is An Asset

Umbrella insurance provides an additional layer of protection during emergencies. The policy helps support your liability coverage if you are involved in a serious liability dispute. Traditionally, umbrella insurance protects you if you are held liable for the damages caused in an auto accident or if someone suffers serious injuries at your Tampa, FL residence. Here is a look at a few reasons why you should research umbrella insurance.

Protect Your Assets

Accidents can happen at any time. Umbrella insurance allows you to protect your assets if something goes wrong. Your assets may be at risk if you are involved in a serious liability dispute. Umbrella insurance helps alleviate some of your stress as you go through the process.

Covers Your Pet

If your pet is having a bad day and causes damage to someone else’s property, umbrella insurance will protect you.

You Offer Advice

If you have an avid social media following or you hand out advice as part of your career, umbrella insurance may be an asset at some point. If you write a negative review of a business or criticize someone, they can pursue litigation against you if it negatively impacts them.

You Have Teenage Drivers

If you are a teenage driver’s parent, umbrella insurance can protect you if they are involved in a serious accident. This will give you peace of mind as you go through the process.

You Have A Pool

If you have a pool at your home, umbrella insurance can protect you if disaster strikes and someone is injured while using your pool.

Morgan Insurance Services Will Help You Protect Your Assets

Visit our website today to learn more information about umbrella insurance.

Ensuring You are Properly Covered Against Flood Damage

Many people believe that homeowner or renter’s insurance covers flood damage, but this is usually not true. So, it is imperative to ensure you have flood insurance, especially if you live in more subject areas to get floods. And even though some people can get this separate policy from a program administered by the Federal Emergency Management Agency (FEMA) called the National Flood Insurance Program (NFIP), it is still critical to consult a reliable insurance agent.

There are still certain important details you should know to ensure you are properly covered against flood damage. For instance, flood insurance doesn’t cover floods resulting from internal damage in the home, like broken pipes. Another example includes the fact that flood insurance does not cover personal possessions in the basement where a flood erupted except for food freezers and a washer and dryer. Also, flood insurance policies may pay for structural damage in the basement, like drywall and electrical work. Another important fact to consider is that the insurers’ legal definition of flooding, which is usually flooding of at least two acres or more than one property, is affected. 


These are just a few discrepancies when it comes to flood insurance. For more information about flood insurance and make sure you are properly covered, contact Morgan Insurance Services in Tampa, FL, today. They are highly trained, licensed, and experienced insurance agents that will lead you in the right way with flooding insurance and other types of insurance to ensure adequate coverage. So, don’t be caught off guard. Contact Morgan Insurance Services in Tampa, FL now. They are more than happy to assist you. 

Three situations where your life insurance needs change

Life insurance is a significant financial product. You need life insurance to protect the financial security of your family in Tampa, FL. We offer life insurance policies at Morgan Insurance Services.

The following are three situations where your life insurance needs change.

One of your dependents becomes independent.

If one of your dependents leaves home and gets a job, he or she may no longer be financially dependent on you. This means that you won’t need as much coverage as you did previously. 

You get married

Getting married changes life insurance needs for numerous reasons. You may want to provide coverage for your spouse. If your spouse depends on yours, you’ll need to increase your coverage amount when you get married.

Alternatively, getting married might bring down your life insurance coverage needs if your spouse brings in a considerable income to support your family. Discuss your financial and life insurance situation with your new spouse to determine how to change your life insurance coverage. 

You have a child 

Having a child means that you have another dependent who you need to provide financial support. Having a child, therefore, increases your need for life insurance coverage. When you have a child, you may want to change your life insurance policy to enjoy more life insurance coverage.

Having a child increases how much coverage you need and how long you will need coverage for. A child means you’re likely to need coverage for the next 18 years or more. 

You need to learn as much as you can about life insurance before purchasing a policy in Tampa, FL. If you’re looking to learn more about life insurance, we can help. Contact us at Morgan Insurance Services to learn more. 

Do I need commercial insurance for my home business?

In the United States, 50 % of small businesses are considered home-based, and Tampa, FL is no exception. For many service businesses, a storefront is not a necessity, especially if you spend a lot of your time visiting clients at their locations. You probably would not even question the need for commercial insurance if you had a storefront. Still, with a home business, it probably seems as if insurance you already have, like home or auto, will offer you the coverage you need. At Morgan Insurance Services, we have over 100 years of combined experience we share with our customers. 

Your home insurance covers the contents of your home. However, it may not give you adequate coverage for your business materials stored in your home. Most home insurance policies will not cover the theft of your business equipment as part of home coverage. Your independent agents will be able to help you to determine if you have the right coverage. In most cases, adding a commercial liability policy will ensure your business is protected, and that protection is critical to your business’s health. 

Commercial liability and/or professional liability are important coverages. If someone is injured while visiting you at your home for business reasons, they won’t be covered by home insurance. You also need protection against a mistake or omission you may make in the performance of your job or if a product you produce injures someone. 

If your business owns even one vehicle, having commercial auto insurance is a must. It is always a good idea to keep your business and personal finances separate. 

Owning a home-based business is often a good option and offers incredible flexibility. At  Morgan Insurance Services in Tampa, FL, we have the information you need to create the perfect commercial insurance policy for your business. Give us a call or stop by for a no-obligation quote.