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The All Other Peril (AOP) deductible is usually a flat dollar amount. The AOP deductible applies to covered damages to your property such as lightning, fire, hail, vandalism, and theft. This deductible applies per occurrence. 

Let's say you have a theft claim in March, a hail claim in July, and a lightning claim in August. Each of these claims will be subject to the full amount of the deductible that's been set. 

The hurricane deductible applies only to named hurricanes and is usually a percentage of your Coverage A amount, or the dwelling coverage limit. The average hurricane deductible is 2% of Coverage A, which means if your home is valued at $180,000, your hurricane deductible would be $3,600. This deductible is only applied once per calendar year no matter how many hurricane claims you need to file.  While 2% is the average amount for a hurricane deductible, carriers can also offer 5% or 10% deductibles and some are now starting to offer even lower flat hurricane deductibles for qualified risks.

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It's best to call your insurance company and file a claim when you've been hit by another car and the damage is severe or if you're at fault in an accident. If no other party is involved, you can file a claim on your insurance. For more information on car insurance quotes in Cape Coral, FL, call us today!

An insurance carrier's risk is typically lower when issuing policies through brokers because proactive agents provide clients with sound risk management advice to help reduce their risks and exposures. When you buy insurance directly from an insurance company, you are limited to their products only. If you're in need of information about insurance quotes in Cape Coral, FL, be sure to call us!

Home and contents insurance covers your house, other structures on your property, and your belongings for loss or damage due to events like fire, theft, and storms. Home insurance covers your house and other structures on your property, including your garden shed, fences, and in-ground swimming pool. 

The personal liability portion of your homeowner's insurance policy covers you against lawsuits for injury or property damage that you or your family members cause to other people. It also pays for damage caused by your pets. You should buy enough liability coverage to protect your assets.

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There are 8 rating factors most often used by car insurance companies along with some associated costs by insurers. They are age, driving history, credit score, years of driving experience, location, gender, insurance history, and annual mileage.

If you're interested in more information about car insurance quotes in Cape Coral, FL, be sure to call us today!

Buying insurance is important as it ensures that you are financially secure to face any type of problem in life. Insurance is a very important part of financial planning. A general insurance company offers insurance policies to secure health, travel, motor vehicle, and home. If you're interested in learning more about insurance quotes in Cape Coral, FL, be sure to call us today!

Renters' insurance can help you repair or replace property after a loss due to many types of damage or theft. It can also provide coverage for an accident at your residence. Policies usually have very affordable annual premiums. Note that your landlord's property insurance doesn't cover your belongings. For more information about insurance quotes in Cape Coral, FL, be sure to call us today!