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Signing on the dotted line for lower cost insurance may save you money in the short term, but it’s vital to consider what happens in the event that an incident occurs, you experience a natural disaster, a loss due to theft, have an accident or someone is hurt on your property. Those are the situations that need to be considered when looking at inclusions for any and every policy.
Working one on one with a local agent is far more personalized than simply doing your policy online. There is so much to consider when choosing coverage levels and options – it really helps to have someone o your side who can take a look at your finances and lifestyle and make recommendations that will keep your future bright and protect you in the worst-case scenarios.
Holding policies that do not cover you financially can leave you open to lawsuit and possible financial damage. For example. Say you only hold 50,000 in liability coverage on your auto policy. You are driving down 5th Avenue in Naples, Florida and crash into a Bentley. The crash seems relatively minor until you get the estimate from the dealership for $95,000 worth of damage to the injured party’s vehicle. That leaves you personally on the hook for the remaining $40,000. If you don’t happen to have that available, your assets may be at risk and can be taken from you and sold to cover the debt via court judgment.
This can hold true for homeowner liability, boating insurance, condo insurance and much more. Levels need to be set correctly for your income, assets, and the property they are intended to cover.
If you are in the Southwest Florida areas of Fort Myers, Estero, Bonita Springs, Cape Coral, Naples and Marco Island we invite you to talk with our agents here at Centennial Insurance Services and do a policy check.
Visit us on the web at www.cisinsfl.com or give us a call by dialing (239) 247-5125.
I have found Chris to be extremely knowledgeable on Community Association insurance requirements and he has successfully presented proposals that provided better coverage and lower premium than the incumbent agency. His active involvement in assessing the Insurance needs of Communities managed by this firm has been an asset for both Moore Property Management and the purchasers of the insurance.
Chris Boston is our agent at Centennial. He does excellent work and always strives to save our association money. He always responds to emails. I highly recommend Chris and Centennial.
Chris Boston is Your Agent! I own a small condo development on Manasota Key and had been with the local insurance company for 14 years. This is my second year with Chris. He works very hard to get the best and lowest cost policies and is always responsive. I have saved substantially because he took the time to get to know the property and cost savings that were available. It’s all about customer service!
Its nice to have your expectations in a business not only met but exceeded! Centennial Insurance provided us with professional, friendly & effective service.