Everything you need to know about selecting trucking insurance

We at the Zot Insurance Agency in Davie, FL have years of experience working with truckers and trucking companies to get you the commercial coverage you rely to stay on the road. We understand that there’s no such thing as a one-size-fits-all insurance solution. Read on for our tips on ways to help us get you the best insurance for your specific needs.

Gather the documentation your insurer will need

To speed things along when discussing options with your insurance agent, it helps to have some basic information readily available. Gather information — such as your driver’s license number, driving history, and the VIN number of the vehicle you’d like to insure — before speaking with an agent. Having these documents in hand will speed the process and help your agent guide you to the optimal coverage for your needs. 

Think about the type of coverage you require

It often helps to have an idea of the type of coverage you’ll require before approaching an insurance agency. A bit of basic knowledge makes it easier to understand the details of the various available policies. Individual truckers are required to carry primary liability insurance. General liability insurance provides coverage for trucking companies. Some general liability policies offer protection in the event your company is sued for libel or false advertising. 

We’d love to help

If you’re interested in discussing your options, we at the Zot Insurance Agency in Davie, FL are here to help. We have years of experience helping South Florida truckers with their insurance needs. We understand what you need and can help get you insured and on the road quickly and efficiently. 

Keeping Your Home Cool During the Summer

Summers in Davie, FL can get hot, and the costs associated with cooling off your home can rise exponentially. There are many ways to help keep your home cool during these hot summer months. Some methods work better than others, so you may have to try the different techniques to see which works best for your home. While keeping your home cool, you not only save energy but also help your cooling system last longer. 

In addition to keeping your home cool, call our experts at Zot Insurance Agency to learn how to protect your home. 

Block Out the Sunlight

Keep blinds and curtains closed during the day when sunlight is hitting the home. Black-out curtains provide added sun-blocking measures to help keep the inside of your home cool. Keep things closed until the afternoon, and when shade starts covering the house, you can open up windows to bring in cooler air. 

Bring In Cool Evening Air

Temperatures cool off at night, and this is the time to open up your windows and take advantage of the cool evening air. Then, when the sun goes down, open up the windows and bring in that cool air. Once the home is cooled off, close the windows to keep the cooler air trapped inside. 

Create a Cross Breeze

Depending on your home’s setup, you may be able to use fans in the early mornings or late evening hours to create a cool cross breeze. The fans will help keep the air in the home moving, which can create a cooling effect. If using ceiling fans, set them to spin counterclockwise to push cooler air down. 

Hopefully, this summer, you stay cool and comfortable in your home in Davie, FL. For information about protecting your home and homeowners insurance policies, contact the experts at Zot Insurance Agency. The agents there can help answer all of your insurance-related questions. 

Do I need to get property insurance for my second home in Florida?

Owning a second home in the Davie, FL area is a dream for a lot of people. While you may be excited to own a property that you can visit to enjoy the sun, warm weather, and a variety of local activities, it is important to remember that the property is a valuable asset that requires appropriate insurance coverage. There are a few reasons why you need to have insurance for your second home. 

Coverage Protects Your Home

One of the main reasons that you need to have property insurance for your second home in this state is because it can protect your home. Anyone that buys a second property will be making a significant investment that they will want to last. To ensure that your home is protected, you need to have a home insurance plan that can be used to repair your property if it is damaged. 

Coverage is a Requirement

Most people are also going to have specific home insurance requirements that need to be met. If you are going to own a second home, you likely will take out a mortgage and may also be part of a home association. In almost all cases, both your mortgage lender and the home association will require that you carry a full home insurance plan at all times. Having the proper coverage can help you stay in good standing.

In the Davie, FL area, there continue to be a lot of second and vacation homeowners. As you are looking to buy a home here, you should speak with the Zot Insurance Agency to discuss your needs. If you do call the Zot Insurance Agency, you can learn a lot about your housing options and choose a plan that is ideal for your situation. 

What Are the Insurance Requirements for Florida Commercial Trucks?

Living in Florida, you must carry the appropriate commercial auto insurance to legally drive your truck on its roads. The state and the Federal Motor Carrier Safety Administration (FMCSA) require specific levels of insurance for commercial trucks dependent upon the type of hauling. Zot Insurance Agency of Davie, FL wants you to understand the insurance policies you need to meet the legal requirements of the state and federal government.

Liability Coverage Minimums

While typical drivers in Florida law must carry liability insurance of at least $10,000, a commercial trucker must meet a higher set of insurance requirements. This minimum varies depending on the cargo type. It ranges from $300,000 to $5 million.

  • Household goods require a $300,000 minimum liability insurance policy.
  • General freight requires a $750,000 minimum liability insurance policy.
  • Oil transport requires a $1,000,000 liability insurance policy.
  • Hazardous materials require a $5,000,000 liability insurance policy.

Hauling across state lines means you must also meet the FMCSA federal liability limits. These typically range between $750,000 and $1,000,000.

This pays for the property damage you cause to another vehicle in an accident. This pays for repairs to their vehicle or replacing the vehicle. Your insurance also covers bodily injury liability, which covers costs of permanent or serious injuries or death when you cause an accident. Personal injury protection protects you and pays your medical costs if you incur injuries in an accident you or another driver causes.

If you drive your truck independently, meaning you own the vehicle and drive as an independent contractor, you must purchase all the policy components required by law. If you drive a truck for another company as its employee, the trucking company typically purchases the majority of the insurance. They may require you to obtain a hired truck insurance policy.

Zot Insurance Agency serving Davie, FL wants you to remain safe on the road. Let us help you protect your investment in your rig and your health with commercial trucking insurance.

Business Owners and Commercial Insurance

At Zot Insurance Agency, serving Davie, FL we understand that you have invested a lot of time and money into your company. You have a desire and a responsibility to protect those investments. If you are wondering where to start, though, we are here to help. Business owners can bring a new layer of security and protection to their company through a solid commercial insurance policy. Keep reading to find out what you need to know about this important coverage. 

What Is Commercial Insurance?

If you are not familiar with commercial insurance, that’s okay. We are here to answer your questions and help you choose the policy that can best meet your needs. A commercial insurance policy is a unique product we provide for business owners. This product will cover all of the major areas of your company that will benefit from insurance coverage. Having this type of coverage in place is crucial to your long-term financial health and success. 

What All Is Covered Under This Type of Policy?

A commercial insurance policy will cover:

Property Damage- If your property or equipment is damaged because of a fire, natural disaster, or even burglary, this policy will kick to pay for repairs or replacement of what you have lost. 

Vehicle Coverage- You will need to be legally insured if you operate vehicles through your business. We have got you covered. 

Liability Coverage- Liability coverage is essential to long-term financial health. If someone is injured at your facility or because of your services, liability insurance will pay for any resulting expenses. 

If you would like to learn more about our insurance products, please contact us at Zot Insurance Agency, serving Davie, FL. 

How To Choose the Right Home Insurance Policy?

With so many different types of home insurance, it can be hard to choose the right coverage to protect your home. In order to help you make the right choice, Zot Insurance Agency serving Davie, FL has pulled together a list of several tips to ensure that you have got the right policy for your insurance needs and at the right price:

Assess Your Needs

Before you start shopping around, it is important to understand what your requirements are. You can gather the necessary information online or talk to an agent, who will help you to find out what type of home insurance you actually need. 

Shop around

In order to find the best coverage, you should shop around. Start with looking for the most reputable insurance companies and then make a list of all home insurance policies that are available and that meet your requirements. Then, compare all the policies you found on the basis of insurance needs, deductibles, price, and exclusions. 

Know What Is Exactly Covered

Many homeowners do not even know what exactly is covered by the home insurance policy. Therefore, the first thing you should do is to contact your insurance agent and find out what your coverage provides. Every policy is unique and you may be surprised by what is and what is not actually covered. 

Get a Perfect Policy You Need to Protect Your Home and Yourself

Choosing the right home insurance policy may be a challenging task, especially if you have never done it before and do not know where to start. If you have any questions or doubts, Zot Insurance Agency serving Davie, FL is ready to help you find a policy based on your preferences, insurance needs, and budget. Our insurance agents are qualified and knowledgeable enough to help you make the right choice. All you need to do is to visit our website or give us a call. 

How much trucking insurance do you need?

Trucking insurance is more than mere auto insurance in Davie, FL. Your trucking service is likely your business, which means you need full protection in the instance of an accident on the road. Zot Insurance Agency can help you understand the benefits of trucking insurance. 

How does trucking insurance work?

Trucking insurance works much like a standard auto insurance policy. The amount of coverage you receive after an accident is largely determined by your policy’s limits. 

Truckers who pay more in monthly premium rates may find they have more financial support after an incident. On the other hand, individuals who pay less in monthly premiums may also be subject to a significant deductible. 

Some truckers in Davie, FL find it better to pay more in monthly premiums. The additional cost every month is less burdensome than having to pay a higher deductible. 

How much trucking insurance do you need?

The state of Florida requires drivers to show proof of at least $10,000 worth of bodily injury protection. You are also required to show proof of at least $10,000 property damage liability. Florida is a no-fault state, which means personal injury protection (PIP) of at least $10,000 is required. 

Many truckers find the state minimum to legally operate a vehicle in Florida to be insufficient. A trucking accident, after all, could lead to more than $50,000 worth of overall damage. 

It is best to speak with an agent at Zot Insurance Agency if you are looking for a good trucking insurance policy. Do not wait until an accident to consider a trucking indemnity plan that covers all your needs. Call today to get started with a quote for coverage.

Why should I get a trucking insurance policy?

The trucking industry continues to be extremely important as it ensures that the products you need to live are shipped all over the country. There continues to be a lot of opportunities for those that are in this industry to be quite successful. Anyone that does operate a business in this industry should consider their insurance needs. There are several reasons why you should get a trucking insurance policy if you are in the Davie, FL area.

Coverage for Assets

One of the reasons that you will need trucking insurance is that it can protect your assets. If you are in the trucking industry, you will need a variety of assets and equipment that can be very expensive to purchase or lease. Due to this, you will want to make sure that your equipment and all assets are covered by insurance. With a trucking insurance policy, you can get protection to cover your business assets.

Trucking Liability Coverage

Those that are in the trucking industry will take on a lot of liability risk. This can include liability for lost cargo or accident damage while driving the truck. Due to this, having proper insurance coverage is very important. When you get a full trucking insurance policy, it can give you the coverage needed to offset this risk to your business. 

If you are in the Davie, FL area and would like to get a trucking insurance policy, you should call the team at Zot Insurance Agency. There are a lot of factors that need to be taken into consideration when you are looking for this insurance coverage. The team at Zot Insurance Agency can help you better assess your needs and coverage options. This can help you pick the right policy for your situation.  

Three auto insurance features you may want on your policy in Florida

You can make your auto insurance policy more convenient by adding on certain features. At Zot Insurance Agency, we offer auto insurance policies in Davie, FL with many different feature options that you’ll want to know about.

The following are three auto insurance features you may want on your policy in Florida. 

Automatic payments

When you have automatic payments, you don’t have to remember to pay your auto insurance premium each month. Your auto insurance premiums are automatically taken out of your account when they’re due.

Automatic payments minimize the chances that you will miss an auto insurance payment. They also mean that you’ll have one less bill you have to remember to make a payment each month. Some insurance providers will even offer you a small discount if you use automatic payments. 

Rental car coverage

Rental car coverage is another really convenient feature to have on your auto insurance policy. With rental car coverage, you’ll have a rental car automatically paid for if you need alternate transportation while your own vehicle is being repaired after an accident.

Roadside assistance

A roadside assistance feature will really help you out if you’re out driving and your vehicle breaks down.

With roadside assistance, a tow truck will be sent out to pick up your vehicle and take it to a mechanic in the event of a breakdown. From there, you can get the necessary repairs and have your vehicle back out on the roads again quickly. 

If you need to find an auto insurance policy in Davie, FL, we’re here to help at Zot Insurance Agency. Contact us by phone or visit our website to learn more about our policy options in Florida. 

3 Ways to Protect Your Home From a Break-in

Every homeowner looks for ways to protect their homes from break-ins and other types of vandalism. In Davie, FL, local residents can contact the agents of Zot Insurance Agency whenever questions arise concerning break-ins and ways they can keep their homes secure. With today’s technology, keeping your home and family safe has never been easier.

Install a Home Security System

DIY and professionally installed home security systems are a great way to protect your home. Many home security systems also include home automation features that allow for timers to be used to turn lights on and off per your daily routine. These advanced systems also allow you to use apps to connect with your homes’ video cameras and doorbells.

Exterior Lighting

Exterior lighting that is strategically placed in landscaped areas and motion-sensitive lights are great for keeping your home well-lit to avoid burglars from gaining unhindered access to your home. Dusk to dawn lights that turn on after the sun goes down is also available. 

Tell Your Neighbors When You Will Be Away

If you plan on leaving on vacation, ask your neighbors to keep an eye on your home. Most are very observant and will be more than happy to keep watch over your home and report any strange activity to the proper authorities.

The agents of Zot Insurance Agency understand how important it is to keep your home safe from break-ins. Residents who live in the Davie, FL area can rely on them for sound advice and helpful hints concerning different ways to keep burglars from gaining access to their homes. Call the agents today and learn effective ways to keep your home safe and secure.