Auto Insurance
Today, a motor vehicle accident occurs every second. Auto accidents cause an injury every 14 seconds, and every 13 minutes, a car accident results in a fatality. More than 31 million accidents occur annually at the cost of more than $100 billion. Theft and vandalism are other major perils, with a vehicle being stolen every 20 seconds. With more than 150 million drivers and registered vehicles on the road today, auto insurance is the most widely purchased of all property-casualty insurance. Yet, few drivers are familiar with the details. When you buy an auto insurance policy, you are purchasing a package of individual coverages. Each coverage protects you against different types of losses. Once you understand the various coverages, you can decide which ones to include in your insurance package. You can also determine the limits of coverage you will need. The following are some common coverages found in an auto policy. \
Types of Auto Insurance
- Bodily Injury (BI) Liability Coverage
- Property Damage (PD) Liability Coverage
- Medical Payments Coverage
- Uninsured/Underinsured Motorists (UM/UIM)
- Collision Coverage
- Comprehensive Physical Damage Coverage
- Rental Reimbursement
- Towing and Labor
Home Insurance
Our homes are more than just shelter – they are where our family's memories are made. Why not talk with Dan Sullivan Insurance? We can help you make sure your family is secured from loss through water, wind, fire, or other forms of destruction.
The insurance agents at Sullivan Insurance will help you find the right home insurance in Fort Walton Beach at a discount when you let us create a custom coverage package for you. We can combine policies that meet your specific needs and help you find additional coverage for risks your basic homeowner's policy might not already account for.
Do you own valuables such as expensive jewelry, artwork, or other collectibles? A typical Fort Walton Beach homeowners insurance policy may not cover those valuables. But not to worry, at Dan Sullivan Insurance, we will help you find the right valuable articles/floater insurance for your specific needs.
Sullivan Insurancecan help you find any insurance you may need in addition to providing comprehensive
Fort Walton Beach homeowners insurance
that covers:
- Damage to the structure of your home
- Loss or damage of personal items
- Living expenses if your home becomes unlivable
- Liability risks
- And many more!
Folks in Fort Walton Beach can trust our agency to provide exemplary customer service. We work hard to make sure all of your insurance needs are met.
Motorcycle Insurance
There are many points to consider when purchasing motorcycle insurance. These can include age, driving record, location, motorcycle model, and whether or not you have taken a rider-training course. To help reduce premiums, it is a good idea to maintain a driving record clear of violations.
If you live in a northern state, you may have access to purchase what is known as a "lay-up" policy, in which all non-comprehensive coverage is suspended during the winter months. There are around 10 – 15 percent discounts on motorcycle insurance from most companies for riders who have taken rider-training courses with associations such as MSF (Motorcycle Safety Foundation).
This course is great for riders under the age of 25 (who are usually considered higher risk), as they will see some savings by taking this course. If you are a rider who has already had an accident, this may be a good idea for you as well. Keep in mind that the type, style (such as a sports bike vs. a cruiser) and age of the motorcycle and the number of miles you drive a year and where you store your bike may also affect how much you pay for your premium.
There are many discounts available for motorcyclists with insurance. Ask us about multi-bike discounts, organization discounts, and mature rider discounts for experienced riders. Discounts can range anywhere from 10 percent to 20 percent, depending on the company and your state. Availability and qualifications for discounts vary from company to company and state to state.
Sullivan Insurancein Fort Walton Beach can help you save money on motorcycle insurance and make sure you get the coverage you need!
RV Insurance
In Fort Walton Beach, many people own a recreational vehicle in order to get outdoors and enjoy the beautiful nature here on the Emerald Coast. Recreational vehicles do more than move you from one location to another; they carry you with ultimate fun and/or comfort along the way. Although these vehicles are primarily associated with playtime, they still need insurance coverage, possibly even more so, as they also have an added potential for liability.
Liability Insurance for Recreational Vehicles.
Recreational vehicles are moving vehicles that can create physical injury and/or property damage to yourself and others, just as a regular vehicle can. You can purchase liability insurance to help pay for damages you may accidentally inflict. It can also help cover the cost of environmental cleanup even if an accident causes toxic chemicals or other pollutants to spill.
These types of policies will have limits that work on both per-policy and per-incident basis. They can have a deductible which calls for an out-of-pocket contribution to each incident per year.
Property Coverage
Once you have gone over the liabilities you may be exposed to, it is time to provide coverage to the actual vehicle value. If exposed to physical damage, theft, vandalism, and collision, this can include financial compensation. It could even allow you to be reimbursed for personal effects stored in or on the vehicle.
In some cases, you may want to consider adding specialized coverage for additional risks, including the loss or damage of awnings and custom equipment. If you have an RV that you live in part or full time, you may need extended protection so be sure to discuss that with us at Dan Sullivan Insurance, your Independent Insurance Agency in Fort Walton Beach.
Boat Insurance
When you don't have to worry about your safety, your passenger's safety, or your investment, it's even easier to enjoy the water. When you are looking for boat insurance in Fort Walton beach, here are a few things to consider:
Replacement Cost: It costs a lot of money to fix or replace your watercraft if it is stolen or damaged. Medical Cost: Medical costs can be extremely costly if you or a passenger are injured.
Land Protection: Even when on land, your craft will need coverage; accidents can happen while in tow.
At Dan Sullivan Insurance, we will also review these questions with you:
How much can I afford if my watercraft is damaged or stolen?
Is my watercraft covered for year-round use?
How much medical insurance and liability coverage is enough?
What discounts and programs are available? Do I have coverage if I need to have my boat towed in an emergency?
What is the process for filing and settling a claim?
Call Sullivan Insurance at 850-862-6300 for an insurance quote today if you live in Fort Walton Beach!
