Del Toro Insurance
Fomentando el camino hacia la industria de los seguros
América TV captó todo lo que fue el fórum y la celebración de los 25 años de Del Toro Insurance. Con Del Toro Insurance tienes todo lo que necesitas para estar bien asegurado y además crecer profesionalmente con tu propia franquicia. Si eres emprendedor y quieres asegurar tu futuro empresarial con una marca consolidada!! Esta es tu oportunidad, completa el formulario y uno de nuestros agentes se estará comunicando contigo con todas las dudas que tengas para emprender tu negocio.
Annual Convention of the FAIA
June, 2024
As part of our participation in the 2024 Convention of the Florida Association of Insurance Agents FAIA held in Orlando, Del Toro Insurance held a seminar to promote the growth of the insurance industry through franchises. Entrepreneurs and business owners participated in the event.
Del Toro Insurance 25th Anniversary
Del Toro is a family business and that has defined much of the path it has traveled to this day. The main reason for starting out in this industry has been to contribute to a community that needs us and with which we feel an eternal commitment. Growth would not have been possible without the support and permanent exchange with our community whom we have tried to serve with immense respect.
On the other hand, we have tried to provide a service that is also deeply rooted in family values because we consider that targeting the well-being of families in a society that is transforming day by day is essential. We have simply delivered transparency, honesty, trust and loyalty, which I believe have really been the key to being able to treasure the preference of our clients over the years.
Time really passes very quickly. We began our journey in a small office located in the west of the county. Today we are a solid company with a commercial presence throughout the state of Florida and an increasingly large group of franchisees who have opted to be part of the Del Toro family, making our business model their own. To our pride, the vast majority have been families that have turned to entrepreneurship and that, today, replicate those values of transparency, honesty, trust and loyalty to their clients.
Dec 28, 2022
With so many options, it can be a bit confusing about what insurance you should get for your property. Today, we will be discussing the ins and outs of vacation, rental, and vacant home insurance in South Florida. This article will inform you about everything there is to know about these three types of property insurance!
Vacation home insurance in South Florida is a type of property insurance that covers a second home or vacation property when it is rented out. For example, if you own a beachfront condo in Florida and use it several times each year for your family to spend time together on vacation, you may want vacation home insurance to protect against losses from damage to the structure and any personal belongings that are damaged or lost in a fire, flood or other disasters.
With a standard policy, you can file a claim if something happens to your home that is covered by the policy. For example, if a fire or some other natural disaster damages your home and its contents, you can submit a claim for reimbursement of your losses. You also must prove that the damage wasn’t caused by intentional acts (like vandalism) or neglect on your part (such as leaving the oven on).
Most vacation home insurance policies cover five people, including the primary homeowner and their spouse. The policy covers any family members that you may have staying at your property unless you add extra coverage for additional people.
It’s also important to check what type of care you’re covered for while on vacation—this can range from basic medical expenses up through in-home nursing care, depending on what level of coverage you select.
If someone is injured while visiting your property, they’ll need more than just some bandages and painkillers; they might require extensive surgery or even be put into intensive care (and there’s no way we’re coming back here!). In this case, it’s best to start immediately.
Make sure the right amount of protection is built into your plan so that if something like this were ever to happen during an accident or illness, then all costs associated with these types of injuries would be covered by your policy.
The cost of vacation home insurance depends upon various factors.
Rental insurance in South Florida is a form of property insurance that covers the rental property against damages and losses. It differs from landlord insurance, which covers the landlord against losses due to damage to their property.
Rental property owners need to purchase this type of coverage as it protects them from financial loss due to unforeseen events such as:
Unlike home insurance, which covers damage to your property, rental insurance in South Florida is designed to cover damage done by you. Coverage varies by policy and company, so read the fine print before buying a policy. Though the coverage can vary quite a bit between policies, here are some basic things that might be covered:
Rental insurance can protect rental property owners, tenants, and anyone else who lives in the home.
It’s a good idea to protect yourself, your property, your tenant, and their property. Additionally, you’ll want to make sure they’re protected in the event of damage or theft while they’re living in your home.
Rental insurance can also help protect the rental agreement between you and your tenants by covering some financial losses due to damage or theft. For example, if someone breaks into the house where you live and steals all of your furniture, it could put undue stress on the relationship between you and the person renting from you—and possibly even lead them to break their lease early!
In addition, what if someone is injured on one of those expensive pieces? Rental insurance may not cover everything, but it will take some weight off both parties’ shoulders when something unexpected happens.
Vacant home insurance is a type of homeowner’s insurance that protects you against losses associated with a vacant home. Typically, this coverage is purchased in conjunction with your standard homeowner’s insurance policy and provides additional protection for your property while it is not be being occupied.
The cost of purchasing this coverage depends on factors such as what kinds of items are located inside your house, how many days per year it will be unoccupied by residents, and whether any pets are living within those walls at any given time
You may ask yourself, “Do I need vacant home insurance in Florida?” If so, you are not alone! Vacant home insurance policies can be confusing and difficult to find. But if you’re a landlord, building owner or vacation homeowner who does not have someone living in their property (or occupying it for extended periods of time), then yes—you should absolutely consider this type of coverage.
Vacant home insurance may be the right choice for you if you’re renting out a second home or having someone stay on your property in exchange for payment (such as Airbnb). It provides protection for any structural damage that occurs to your structure during times when no one else lives there, such as fire damage or vandalism
Vacant home insurance is also commonly known as an “out-of-use” policy because it helps protect your property from natural disasters and other unexpected incidents. While most homeowners are aware of the importance of having a standard homeowners insurance policy that provides coverage for damage caused by fire and vandalism while someone lives in their house, they may not realize how important vacant home protection is until it’s too late.
The answer is no. However, it’s highly recommended that you do so. If your home suffers damage while it’s unoccupied and uninsured, you may be responsible for any repairs or replacement costs that result. The absence of a policy also leaves homeowners vulnerable in the event of vandalism or theft.
As a homeowner, you may have noticed that your home insurance policy doesn’t cover vacant properties. That’s because there are several types of vacant homes requiring specific coverage. The good news is that some companies specialize in providing this type of insurance.
The first thing to do if you’re interested in getting a vacant home insurance policy is to get a quote online or talk with an agent over the phone by calling your agent or going into his or her office. If you want even more options, contact an independent insurance agent who specializes in finding the right policy for each customer based on their individual needs and budget requirements; he or she can help you find the best company for your situation
Understanding the differences between vacation, rental, and vacant home insurance in South Florida can help you make the right protection decision for your property. Ultimately, the type of insurance you need depends on WHAT you use your property for.
If you are still unsure about which insurance policy to get, speaking to an insurance agent can help. Insurance agents are trained to help you make the right decision for your property in terms of coverage. They can even help you decide how much protection you need to have!
Happy insurance hunting!
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