In Tallahassee, FL, Can You Get a DUI While Operating a Boat?

The agents of Marks Insurance serve the residents of Tallahassee, FL by providing them with various types of insurance policies that cover almost every need imaginable. They have answers to many different questions concerning boat insurance, as well as home, auto and commercial coverage. They even have answers for the tough questions, such as how a DUI charge can affect your insurance. This is also important if you receive your DUI while driving your boat.

Can You Get A DUI While Operating a Boat?

While you are technically not "driving" a boat, you are operating one. Instead of a DUI, you will more than likely be charged with an OWI if your blood-alcohol level is higher than the legal limit. A conservation officer or member of the Coast Guard can stop you while you are on the water and ask you to submit to a breathalyzer.

How Does a DUI Affect Your Insurance?

In most cases, any DUI or OWI charge will cause you to lose your driving privileges for a set period of time depending on how many charges you have had. Once you are able to drive again, you will have to have your insurance reinstated and your coverage updated. Both DUI and OWI charges will result in an increase in your premium. These types of charges may also require you to complete certain programs or classes as well. Completing these classes successfully may benefit you when it comes to your insurance coverage.

Residents of Tallahassee, FL can contact the agents of Marks Insurance if they have received a DUI or OWI while boating and need answers about how it will impact their insurance. They can discuss your options with you and make sure you have appropriate coverage for an affordable price.

Do I need an Umbrella policy?

Many people are unaware of the benefits an umbrella insurance policy has to offer. An umbrella policy sits above your primary insurance policies such as your auto, property and liability policies. People are often comfortable with the limits and coverages provided by their primary coverages; however, there are some scenarios that are often overlooked that change people’s minds on their need for an umbrella insurance policy.

A multiple vehicle accident

In most cases, a typical auto policy will cover a car crash between two vehicles. However, if you find yourself in a multi-car accident, you will see your liability limits deplete quickly. If you had an umbrella policy, you would have additional limits to utilize and would not have to dip into your savings.

Dog owners

In the unfortunate event that your dog bites someone while out for a walk, an umbrella policy can help protect you. The medical bills can add up; in addition, to a lawsuit against you that could wipe you out financially. No matter how gentle you think your dog is if you have one you should consider an umbrella policy. If you are unsure if your primary liability policy covers your dog you should reach out to your agent at Marks Insurance to confirm.

Homeowners with swimming pools.

So many homeowners in the Tallahassee, FL area have swimming pools, and they should all consider an umbrella policy. Having a pool is an excellent addition to a home but with it comes the additional risk of liability. Inviting your friends over for a swim is a wonderful treat. However, if someone gets hurt in the pool, you could find yourself in a high-cost lawsuit.

If you would like to learn more about umbrella insurance policies, please reach out to us at Marks Insurance. We proudly serve the Tallahassee, FL area.

Navigating the Home Insurance Claims Process

When your residential property is damaged by weather or accidents, a home insurance claim can help you get the repairs needed to make it livable again. If you need to file a claim with your insurance company near Tallahassee, FL, here are some of the things you can expect during the process.

Before You File

Take these steps before you call your insurance company to ensure a smooth claims process.

  • Take pictures of the damage. Videos are a great way to show adjusters all angles of the damage in question.
  • Get repair estimates. If the costs of repair are lower than your deductible, you may not need to file a claim.
  • If the damage makes your home uninhabitable, you may need to move your family to temporary lodgings. Call your insurance company before attempting any repairs.
  • Get familiar with the Florida state Homeowner Claims Bill of Rights.

The Home Insurance Claims Process

When you call your insurance adjuster, they will take down all the information they need to start the investigation.

  • Take notes during your phone conversations. Write down deadlines, dates, names, email addresses, and phone numbers. You will be given a claims number. Make sure to write this down, and include it in all correspondences with the company.
  • Verify contact information before sending any emails containing photos and videos to ensure your evidence is seen by the right person.
  • You should be present when the inspector comes to verify your damage. Take the opportunity to ask questions.
  • Keep all the documents you receive that relate to your claim. Print out emails and include with your records.

After the inspector files their report, your adjuster will contact you with a settlement offer.

The experts at Marks Insurance are here to serve the needs of homeowners in the Tallahassee, FL area. Talk to one of the agents at Marks Insurance today to find out more about protecting your residential property with custom insurance policies.

3 Tips for Avoiding Break-Ins at Your Tallahassee, FL Home

According to crime statistics, break-ins happen every five seconds here in the United States. While this number does seem scary, there are thankfully a few things you can do as a Tallahassee, FL property owner to help keep yourself from being a victim. Here are three tips from our knowledgeable Marks Insurance team.

Tip #1: Have Proper Outside Lighting

Criminals like two things: opportunity and the cover of darkness. One of the easiest ways to help reduce the chances of a break-in and deter would-be thieves is by installing proper lighting outside. This can include motion sensor lighting or putting fresh bulbs in an existing porch light. Either way, make sure the entire perimeter of your residence is illuminated.

Tip #2: Lock All Exterior Doors, Windows, and Pet Doors

Most career thieves often report that breaking into homes is usually simple thanks to an unlocked door or window. Furthermore, many even state that they were able to get inside due to a pet owner leaving the doggie door open. Protect yourself by always making it a habit to ensure these items are locked and sturdy.

Tip #3: Keep Quiet About Plans for Vacations, and Other Times You Won’t Be Home

Another way criminals target your home for burglary? They eavesdrop or pay attention to your social media. Never announce any vacation plans or times of day in which you aren’t home online or in crowded areas. This gives thieves an opportunity to visit when nobody is there, making the chances of a break-in much higher.

Of course, sometimes thieves still manage to cause trouble, and that is why it is important to have appropriate home insurance coverage on your Tallahassee, FL property. Contact Marks Insurance now to schedule a no-obligation policy review.

Life Insurance Inheritance Laws in the State of Florida

Many types of financial products can be part of a family inheritance, and wills and trusts are often the subject matter of movies when it comes to the transfer of wealth from parents to children. However, life insurance can offer a great deal of cash benefit to family and loved ones, and it may not have anything to do with a will or trust. If your family member or loved one has passed away, you could receive certain cash benefits if he or she has a life insurance policy, and the reward could be more than what may be offered in a family trust.

Finding Out if Someone Owned Life Insurance

If you think that you may have inherited a certain amount of money from a life insurance policy, then you need to find out if the decedent has a policy of which you’re a beneficiary. You may have to do some digging to find out. People can accumulate life insurance policies while they’re working or in military service, and not all of them are claimed. There are certain resources that you can use to find out if this person ever had a life insurance policy. These can include, but may not be limited to:

•    An employer’s HR department
•    Bills for insurance premiums
•    Bank records that may contain automatic withdrawals

If the person in question was a veteran, then you can look at the website for the Department of Veteran’s Affairs to see if there’s a military policy on record. There are also private companies that can send letters to a number of life insurance companies.

If you’re concerned about your family’s financial future after you pass away, then you may want to consider a life insurance policy. Marks Insurance in Tallahassee, FL has a team of agents that can find a policy that will meet your needs and fit your budget. We have served the area for many years, and we know we can help you secure your family’s future.

Filing a Life Insurance Claim in the State of Florida

Once you’ve found out what you need to know about any life insurance policies under the decedent’s name, then you’re ready to file a claim. You’ll have to contact the company directly, and you’ll need to give them a certified copy of the death certificate. You will also need the policy number. In some cases, you will need the policy itself. If there are any other beneficiaries listed in the policy, they will need to file a claim form provided by the company.
A life insurance company can be a great way to make sure your family has the financial stability in the event of your untimely death. Marks Insurance in Tallahassee, FL has agents who can help you find the right policy. Regardless of your specific needs, we can help you with whatever type of policy you’re looking for. 

Be sure to contact our office, and one of our agents will sit down with you to discuss your needs.

Insuring Multiple Drivers on the Same Policy

Making sure your family is insured with an auto policy can be a difficult process. Without the right information, you might not get the right amount of coverage, the right policy, or even the right company. Marks Insurance in the Tallahassee, FL area can help you find the right coverage for all the drivers in your home.

Insuring multiple drivers on the same policy does have some specific regulations. For starters, you have to be related to the person that is on the policy with you or you have to be married to them. This means that you could not just add your best friend to your policy. You have to either be parent and child or spouse.

Another stipulation is that you have to have some vested interest in the vehicle that is being insured. If you have three cars on a policy, for instance, you have to have your name on each vehicle title to be able to insure it. This is in place to make sure you do not add just any car in an effort to get a multi-policy discount.

You can insure not only more than one car, but you can also insure more than one driver. You can insure a second driver with a second car listed, or you can insure a second driver on the primary car by simply listing their name on the policy. If you live in the Tallahassee, FL area and have questions, you can ask the agents at Marks Insurance how to go about adding a second or even third driver on your existing policy. Adding drivers is a great way to reduce rates and to make sure that all the drivers in your home are insured and safe when they set out.

Reasons to have insurance in Tallahassee FL

In a place like Tallahassee, FL, there is no shortage of things that can go wrong, as Florida can be a very wild place, especially in the panhandle. And when you consider Tallahassee is a relatively good-sized city, and the chances of something unpredictable happening is much higher there than in a less populated rural area, insurance is even more important. Below are a few reasons for why you should have at least one or another type of insurance in Tallahassee, FL, preferably through a local broker like Marks Insurance who serves the greater Tallahassee area and knows their clients well.

THE CONSTANT THREAT OF HURRICANE

Every place in Florida, but especially places along the Gulf of Mexico, are vulnerable to hurricanes on a yearly basis. So if you own a home or business or any structure, you should have hurricane insurance of some kind, so that if a storm does hit the city directly, you have little to worry about after the fact. Without this type of critical insurance in place, you could become homeless or financially insolvent due to the unpredictability of mother nature.

TERRIBLE DRIVERS

There are terrible drivers everywhere, and this is the case as well in Tallahassee, FL. Accidents of all types are commonplace in a big city, so having auto insurance is critical to ensure you aren’t left holding the proverbial bag in the event of an accident or paying for someone else’s medical bills if they are injured, and the accident is deemed to be your fault. A good auto insurance policy will also protect you against a lawsuit that may arise after the accident, costing you, even more, money and messing up your financial situation. Talk to your broker about what is best for you when you set up the policy. 

Removing A Car From Your Auto Policy

Your car insurance policy is something that often needs to be updated. Adding new drivers, new cars, and even removing cars that have been sold or totaled are all necessary adjustments. The process is far simpler than you might imagine and with the help of a great agent you can quickly and easily remove any car from your policy. For those in the Tallahassee, FL area, the agents with Marks Insurance can help you quickly and easily remove cars from any policy.

The first step to removing a car from your policy is that you must be the main policy holder or you must be an authorized user that can make changes to the policy. This means that you cannot simply take cars off of any policy you want, but rather, you have to be authorized to make changes to the policy. This helps to prevent people from simply moving cars around on policies without being allowed to do so.

If you are an authorized user and you can change the policy you will be able to go onto the next step. You need to first have all the pertinent information about the car. This means things like the vin number and the make and model, again this is to make sure that the car is going to be removed fully and that the wrong car is not removed from the policy. Though you can remove cars online through most companies websites, it is always far simpler with the help of an agent.

After you know the information for the car you can then proceed to remove the car from the policy and alter the coverage accordingly. With the help of an agent from Marks Insurance, those that live in the Tallahassee, FL area can easily alter any policy.  

Tallahassee, FL Residents: Protect Your Home from the Elements with Home Insurance

There are a lot of ways for residents of Tallahassee, FL to keep their family safe. This can range from owning a firearm to buying a security system to doing something as simple as making sure everyone properly fastens their seatbelt in the car. And yet, for all these efforts that a person can do to keep their family safe, one of the biggest and best ways to protect their families is to get comprehensive home insurance.

Home insurance covers a lot of different aspects of protection for your home, which ranges from covering you in the event of a weather disaster, an accident that occurs in your home (whether it is your fault or someone else’s), or a┬áhome invasion – though mind you, some insurance policies may have certain conditions and caveats relating to the amount of value lost during a home invasion, so it is very important that you be careful about the plan you choose. For as much as you might think that you are saving by cutting corners in this area, you are not saving anything at all if you do end up needing it. There is very little worse than having something serious upend your life, and to add insult to injury, requiring you to pay for all of the repairs or recovery costs.

The last thing you want to do is take a gamble on your home insurance, and every day that you go without insurance is an extra day that you can find yourself the latest victim of a severe storm. If you are in the Tallahassee, FL area and need of home insurance, contact Marks Insurance online today. We will walk you through things and figure out the best insurance plan for you.

3 Tips for Buying Homeowner’s Insurance in Tallahassee

Whether this is your first, second or third time buying a home in Tallahassee, FL, getting the right homeowner’s insurance should be at the top of your list.  Unless you plan on buying an insulated patch of land in the Florida swamps and erecting a tiny, off-grid yurt, chances are your property in Tallahassee, FL is worth a considerable amount of money.  To protect this asset, homeowner’s insurance is necessary and you certainly can’t get a home loan without it.  So when it comes time to purchase home insurance in Tallahassee, FL, we have a complied a few tips to help you get started.  

1. Understand What Home Insurance Is

Generally speaking, homeowner’s insurance protects your home, which is most likely your most valuable asset, in the event of damage to your home for various reasons.  The specifics about what your policy will cover is outlined in the policy you choose to purchase.  What is actually covered varies from policy to policy.

2. What about Flood Insurance?

If you live in a high flood area, you may want talk to an insurance agent about also purchasing flood insurance for your property in Tallahassee, FL.  

3.  How can I Get All My Questions Answered

The job of an insurance agent is to help you completely understand a homeowner’s insurance policy so that you can make the right decision when presented with different insurance options available for you home.  

At Marks Insurance, our knowledgeable agents go above and beyond to get all of your questions answered.  To learn more about acquiring homeowner’s insurance through Marks Insurance, contact us today. We will find the right policy for you at the right price.