Webb Insurance Group

Florida homeowners face a unique mix of weather-related challenges. With hurricanes, floods, and strong storms being a frequent concern, having the right home insurance policy is more than a choice—it’s a necessity. Whether you own a modest house or a high-value property, the right policy can help protect your investment and offer peace of mind. Florida’s Weather Risks Make Insurance a Must Florida’s tropical climate brings the risk of hurricanes and severe storms nearly every year. These natural events can cause significant damage to homes, especially those near the coast. Without proper insurance, you may face high out-of-pocket costs for repairs or even complete reconstruction. A home insurance policy helps cover damage from wind, rain, and other hazards common in Florida, making it an important financial safety net. Lenders Usually Require Home Insurance If you’re financing your home with a mortgage, your lender will almost always require you to have home insurance. This protec...

Owning a car gives you freedom to travel wherever you want, but it also comes with responsibility. One of the biggest responsibilities is making sure you have the right car insurance. Many people see insurance as just another expense, but it’s much more than that. Car insurance protects you, your family, and even other drivers on the road. Let’s look at why having car insurance is not only necessary but also smart. It’s Required by Law In most states, having car insurance is not a choice—it’s the law. Drivers are usually required to carry at least a minimum amount of liability coverage. This coverage pays for damage or injuries you cause to others in an accident. If you’re caught driving without insurance, you could face fines, license suspension, or even legal trouble. Getting caught without insurance can cost a lot more than paying your monthly premium. It’s always better to stay protected and follow the rules. Protects You from Big Expenses Accidents can be expensive. Even a ...

Driving for business isn’t the same as driving for personal reasons. In Florida, many business owners wonder if they need special coverage for vehicles used for work. The answer is often yes. Having the right protection keeps you and your business safe when accidents happen. Let’s look at why commercial auto insurance is important, when you need it, and what it covers. What Is Commercial Auto Insurance? Commercial auto insurance is designed to protect vehicles used for work purposes. If you use a car, truck, or van to deliver goods, transport tools, visit clients, or drive employees, you’ll likely need more than a regular auto insurance policy. A personal policy usually won’t cover accidents that happen while you’re using a vehicle for business. That’s why many Florida businesses choose a commercial policy—it helps cover the extra risks that come with business driving. Is It Legally Required in Florida? Florida law requires that all vehicles have at least minimum auto insurance...