Tim Huber Insurance is here to help the greater St. Augustine, FL community meet all of its insurance needs. If you are a condo owner in the area, call us for help with any of your insurance needs. 

Give your policy a review before starting any major improvements to your condo.

Updating your condo unit is a great way to make the space feel like a home. Condos afford residents a low-stress lifestyle, often with several wonderful amenities. If you’re preparing for a major overhaul, like updating the kitchen and bathrooms, it makes sense to take a close look at your current policy.

Condo insurance protects you from liability when accidents or damage happen in your unit or outside events damage your unit. Double checking the liability protection you have in place is advisable before undergoing any renovation project.

If something should go awry with your project, the damage could be the result. Making sure you have the protection you need before starting the improvement project is the way to go. This example illustrates the importance of having the proper protection in place before the work begins. 

Knowing that your policy provides the protection you need will give you peace of mind. Please don’t leave anything to chance when protecting your condo and financial health! Take the time to review your policy today.

We look forward to working with you!

St. Augustine, FL area residents have a resource in the Tim Huber Insurance team. We help you with your insurance needs, including condo policies. Give us a call or stop by today!

Life insurance coverage offers compensation in a lump sum in the event one dies within the time of the policy. A life insurance policy entails an agreement between the insured and the indemnity company. In the treaty, the insured agrees to pay a certain amount for an agreed period in exchange for a life insurance policy. Life insurance is vital as it compensates individuals and families in St. Augustine, FL, and ensures that the deceased has left an inheritance to the loved one in the unfortunate occurrence of death. Tim Huber Insurance provides life insurance solutions in St. Augustine, FL, tailored to your needs and desires.

The following is a list of some of the benefits accrued to life insurance in St Augustine, FL:

• Financial Stability– Tomorrow can’t be too definite. In case of death, one is assured that the loved ones and family are compensated. Parents in St Augustine labor hard to make sure their families are comfortable and children attend their education. Life insurance promises financial stability for generations.
• Peace of Mind– A guarantee of financial well-being in families gives the breadwinner some contentment and peace of mind. It helps reduce worry and stress.
• Protection of One’s Family and loved ones– Families are faced with unique issues and situations. Some families have some members disabled or old, and others are terminally hindered in different ways. Every member deserves love, care, and attention. Life insurance guarantees that members of the family and loved ones will be taken care of in the event the breadwinner pass on. It will offer financial support to the old, physically challenged or any other need stated by the policyholder.
• Leaves an Inheritance– Tim Huber Insurance offers solutions about inheritance in the event the policyholder dies. Most families are struggling with the estate. Life insurance ensures the deceased leaves stable families stable financially and mitigates against possible battles that may arise because of the dead property.

Life insurance provides security and peace of mind to families and loved ones of the deceased. All breadwinners in St Augustine need to ensure they leave an inheritance for their loved ones. For life insurance needs in Florida, call or visit us at Tim Huber Insurance in St. Augustine, FL, and your lives will never be the same again.

As a homeowner, you have to protect your home the best you can with insurance. However, there are some things that home insurance doesn’t protect against, and flooding is one of them. It would help if you had flood insurance to give you this vital protection. Call us today at Tim Huber Insurance in St. Augustine, FL if you need a flood insurance policy in Florida.

Floods and Damage

Flooding is one of the most damaging things that can happen to your home. When you are at risk for floods, you could face the loss of your entire house if you don’t have flood insurance. The policy can pay for the many repairs that will be needed or even have the home rebuilt if it becomes necessary after a flood. That’s why it’s vital to have this insurance coverage. 

Do You Need Flood Insurance?

Many homeowners only consider getting a flood insurance policy if they are in a high-risk flood area. These areas are generally close to bodies of water or have sloping in the area that can cause flooding. But, for about 20% of flooding claims, the home was not in a high-risk area. If those homeowners hadn’t had a flood policy, they could have been forced to start again without their homes. The National Flood Insurance Program, the NFIP, recommends that all homeowners get one of these policies to protect themselves against floods. 

The National Flood Insurance Program

The NFIP is the backer and sponsor of flood insurance. This is government backing, and the program sets the price for flood insurance. That means that the price for this coverage is the same everywhere you go. This helps make getting flood insurance easier and knowing that you have the best price for it. 

Get Insurance for Flooding

It’s important to have this coverage to protect yourself and your home against flooding. Call us at Tim Huber Insurance in St. Augustine, FL to get your flood insurance policy.

A sole proprietorship is an unincorporated business entity with one owner. It is the simplest form of business entity and the most common. A sole proprietor is given all the business profits but is also responsible for any losses and liabilities.

If you are a sole proprietor in St. Augustine, FL, Tim Huber Insurance would like to take a moment to talk to you about the many benefits of commercial insurance for your business.

What risks does your business face?

Every business faces risks, from the smallest mom-and-pop shop to the largest corporation. Risk isn’t always obvious. Here are some examples of threats your business may face:

• Physical damage – Natural disasters, vendors, or even your employees could damage your business property.
• Liability – If your employees are injured, your business could be held liable. Your business could also be held liable for the actions of your employees on another person’s property. If a customer is injured in your business, you could be held responsible for their injuries.
• Reputation – A lousy reputation could damage your business. A bad review online can cost you thousands of dollars in lost business. The actions of your employees could also damage your business.
• Security – Thieves or vandals could target your business. You could fall victim to online crimes even if your business is not physically targeted. Cyber risk can be even more damaging than a physical crime.

These are just a few examples. You’re responsible for all these damages when you’re the sole proprietor. If you don’t have insurance, you will pay for these damages out of your pocket.

Are you a business owner in St. Augustine, FL? Contact Tim Huber Insurance today to learn more about protecting your business with commercial insurance.

Are you a motorhome owner in St. Augustine, FL? Have you thought about motorhome insurance? Please feel free to speak to insurance experts at Tim Huber Insurance and get motorhome coverage that meets your needs and budget. Here are the reasons you should invest in motorhome insurance:

Liability protection

While using your motorhome, accidents are bound to transpire at any given time. Imagine inflicting bodily injury or propagating property damage to other people? What of the expensive legal fees if a third-party files a suit against you? Luckily, these unexpected expenses are sorted out if you have liability coverage under your motorhome insurance plan.

Protection of assets

Motorhomes are a massive investment that doesn’t come cheaply. When your means of transport transforms and becomes your home, it’s crucial to bestow it with splendid protection because risks like vandalism, hail, and fire can throw your precious asset into disarray. Without a prolific motorhome policy, your motorhome or camper can cost you fortunes to repair or replace. However, if you possess motorhome insurance, it caters to fixing or restoring your motorhome when it gets damaged, stolen, or vandalized. Additionally, procuring content coverage safeguards your belongings that get lost or damaged while in your motorhome.

Instils peace of mind

Many roads in St. Augustine, FL, are susceptible to all forms of dangers because of drunk driving and uninsured drivers. Motorhome insurance gives you peace of mind, knowing that your prized asset is well protected.

Buy motorhome insurance today!

Road trips, camping, and other activities with your motorhome are undoubtedly fun. However, these breathtaking experiences come with inherent risks. Therefore, calling or visiting our agents at Tim Huber Insurance in St. Augustine, FL, is the ultimate way to protect your motorhome by getting formidable insurance coverage.

If you have a business, you know that commercial insurance is one of the cornerstones of good business acumen. Tim Huber Insurance serving St. Augustine, FL would like you to know about commercial insurance benefits.

Asset Protection

One of the key benefits of a comprehensive commercial insurance policy is the financial protection of your assets against certain perils you may experience. Depending on your policy structure, you may either have a policy that pays for the perils specified in the policy or pays unless it is a peril specifically excluded from the policy. This can include policy add-ons that provide additional insurance against theft and vandalism.

Liability

Liability and litigation go hand in hand. If you are legally responsible for someone’s injuries or damage to their property, you are liable. Liability insurance provides a financial cushion, and certain policies may include insurance covering you for the costs of a liability lawsuit.

Employee Protection

If you are a business with employees, then there is a chance that your employees may experience injuries, death, or disability while working. Workmen’s compensation insurance pays or helps to pay for these costs, often including a loss of income benefit for the employee while they recover.

Business Interruption

It shouldn’t happen often, but sometimes, an event beyond your control may interrupt the industry of your business, directly affecting your bottom line. This is where business interruption insurance comes in. Depending on your policy wording, this provides you with benefits while your business is closed.

Contact Us

The biggest benefit of commercial insurance is peace of mind, knowing that you have tailored your commercial insurance to protect you against your greatest enemy, the unexpected. Speak to Tim Huber Insurance serving St. Augustine, FL, today about renewing or reviewing your commercial insurance policy.

If you own a 1956 Chevrolet Bel Air or a 1968 Chevrolet Camaro, you may need classic car insurance from Tim Huber Insurance of St. Augustine, FL. But since classic car insurance differs from standard auto insurance, most collectors’ car enthusiasts aren’t so sure about this coverage. Today, we have created a FAQs section to respond to questions we receive from our clients. But if your question isn’t still covered, don’t hesitate to get in touch with us.

Is my car eligible?

Your daily drive car isn’t eligible for classic car insurance. Besides, your vehicle needs to be at least 25 years and above to qualify for classic car insurance.

What is the agreed value, and why does it matter?

The insured value of most standard vehicles is actual cash value — here, your insurer determines the value of your car at the time of loss. However, things are a bit different in classic cars. You and your insurer pre-agree with the value of your car in the event it’s totaled. This way, you get the actual value of your car, which is a good thing because antique cars’ value appreciates or remains constant.

Is classic car insurance expensive?

You will be surprised that classic car insurance is significantly cheaper compared to standard auto insurance. Since you don’t drive your car every day, the risk of your exotic vehicle is considered minimal, making the premiums affordable.

What are the different classic car insurance coverages?

Most coverage options for your classic car insurance are similar to those of your standard auto insurance. Here are some examples of classic car insurance:

• Comprehensive and collision coverages
• Liability coverage
• Medical payments (MedPay)
• Uninsured/underinsured motorist coverage
• Original replacement coverage
• Roadside assistance

Protect your pride and joy in St. Augustine, FL

Since your classic car is more than a vehicle, you need the right insurance coverage to protect your investment. To get classic car insurance, please get in touch with Tim Huber Insurance.