Should I Update My Life Insurance Policy?

Your life insurance policy should be updated as your life changes. Otherwise, if you don’t give your policy a second look, you and your loved ones will be inadequately covered. Do you have a life insurance policy in Brandon, FL? When was the last time you reviewed it? If it’s been years, you need to update it ASAP. But what are the things you should consider when reviewing your policy? According to Runnels Insurance, talk to your life insurance provider if the below changes occur:

Life events

You probably bought your life insurance policy when you were single, but so many changes have happened. Now you are married and probably have a kid. You should update your life insurance policy to ensure your dependents live a comfortable life after you are long gone.

Similarly, if you divorce or one of your beneficiaries dies, don’t fail to update your life insurance policy.

Buying a home

Purchasing a home is one of the most significant financial commitments you will make. It’s also an excellent time to review your insurance needs. The last thing you would want is to burden the people you leave behind with your mortgage loan. Invest in life insurance to ensure the death benefits can cover your outstanding mortgage balance.

Starting a business

It’s always exciting to start a business. It may also be an ideal time to review your life insurance policy. Investing in life insurance ensures a smooth business succession even when you die. The death benefits from the policy can be used to pay company loans and cushion your business partners financially by covering the gap you have left.

Life insurance policy in Brandon, FL

Ready to get started with life insurance? It’s one of the best ways to plan your finances. If you are in Brandon, FL and the nearby areas, don’t hesitate to contact Runnels Insurance for an affordable life insurance policy.

4 Benefits of Umbrella Insurance

When you purchase umbrella insurance from Runnels Insurance, it can help you from slumping into a financial mess. You may ask how. Umbrella insurance protects your assets and earnings when the limits of your conventional liability coverages run out. For instance, umbrella insurance can come to your rescue if you exhaust your car liability insurance after being at fault for a severe accident. The other benefits you accrue when you purchase umbrella insurance in Brandon, FL include:

Broader coverage

Umbrella insurance gives you higher coverage as well as broader coverage. What does this mean? Umbrella insurance can give you $1M worth of liability coverage and protect you from liabilities that conventional liability coverages don’t cover. For instance, umbrella insurance covers libel, slander, and false arrest, among other liabilities not covered by home, boat, or auto liability coverage.


Yes, umbrella insurance gives you high protection, but that doesn’t mean that the coverage must be expensive. It’s super-affordable since umbrella insurance takes over from where your traditional liability coverages leave off. Still doubting? Why don’t you request a quote from  Runnels Insurance to see for yourself?

No geographical limitation

Your home or car insurance will give you protection within the boundaries of the United States. However, this isn’t a problem with umbrella insurance. This coverage protects you anywhere in the world.

Peace of mind

We live in a litigious society, and you might be bothered that someone might come to claim your assets. However, you don’t have to live on the edge when you have umbrella insurance. This coverage protects you against lawsuits, ensuring you have peace of mind anywhere and anytime.

Get umbrella insurance today!

Want to protect your assets with umbrella insurance? If you are in Brandon, FL, or its surrounding area, please contact Runnels Insurance for an insurance plan that covers your needs.

What does my Brandon, FL condo insurance cover?

Runnels Insurance knows that living without condo insurance is an unnecessary risk.

If you rent or own a condo, the landlord or building association likely has a policy. But these are limited, rarely offering any personal protection.

That’s why it’s critical to have a dedicated condo insurance policy. Located in Brandon, FL, Runnels Insurance can ensure you’re covered. Below, the agency lists four items that should be included in any condo insurance policy.

Interior coverage

An owner’s policy only goes so far. Usually, these plans cover the building structure only. In contrast, condo insurance protects the inside of the unit. This applies to flooring, cabinetry, walls, and any other permanent fixtures. Your plan will reimburse for needed replacements up to the policy limit. 

Protection of belongings

Keep your possessions safe too. Furniture, electronics, jewelry, and other valuables are shielded against loss or damage. Each policy will list what specific events are covered. Natural disasters, like fire and water, are typically protected. Theft and vandalism are often included too.

Liability insurance

Virtually all insurance policies will come with some form of liability protection. This kicks in if there is an accident at your residence where you are determined to be at fault. Liability could help you, your family, and other guests with medical costs, property damage, and legal fees.

Loss of use

Condo insurance is about being prepared. Even a policy can’t prevent an accident from happening. But, if you are forced to temporarily relocate, condo insurance can at least help with the expenses. This chips in for an additional hotel, meals, and travel costs that are incurred as a result.

Schedule an appointment with an agent serving Brandon, FL

Fortunately, Runnels Insurance can help. Their trusted agents can create an individualized condo insurance plan to best meet your needs. Contact us today.

4 Reasons to Invest in Florida Motorcycle Insurance

Unlike most states, you don’t need motorcycle insurance in Florida. But does that mean you don’t need insurance for your two-wheeler? It’s a resounding no. You need to invest in motorcycle insurance from Runnels Insurance of Brandon, FL, for the reasons highlighted below.

Medical bills are costly

Given the vulnerability of a motorcycle, even a minor accident may result in major injuries. That said, motorcycle insurance comes in handy to cover the accruing medical expenses. And even if you have health insurance, it doesn’t cover all the costs. Uncovered expenses like lost wages, co-pays, deductibles, and other costs can quickly add up, making motorcycle insurance a worthwhile investment.

It covers liability claims

If you are responsible for an accident, liability claims can quickly stack up. You could be responsible for property damage, bodily injury, and even face lawsuits when you are at fault for an accident. These claims are super-costly without liability insurance and can easily wipe out your assets and savings.

To protect your bike

How much have you paid to acquire your bike? Suppose your bike is stolen or involved in an accident that writes off your asset. It would be difficult to see your investment go down the drain, right? The good thing is that you can protect your bike with motorcycle insurance. This coverage pays for repairs and even replaces your bike when totaled.

For peace of mind

When riding your two-wheeler, you don’t have to think about all the things that can go wrong. Your ride becomes stress-free when you have insurance because you know you are covered should anything go amiss.

Buy motorcycle insurance today!

Do the above motorcycle benefits appeal to you? It’s time to invest in motorcycle insurance in Brandon, FL. All you need to do is get in touch with Runnels Insurance.

Common Types of Boat Insurance Coverage

Despite what you may believe, boat insurance is very similar to any other kind of insurance you may purchase. Just like other insurances, there are many different types of coverage options available to Brandon, FL boat owners. Runnels Insurance shares some insight into boat insurance coverage.

Hull Damage

This coverage offers protection from the vessel’s structure. As a general rule, hull damage coverage will protect against physical damage that occurs from storms, collisions, theft, fire, and more. 

Personal Property/Equipment Damage

There is the option to extend your coverage so it protects personal property and equipment as it relates to your boat. Therefore, this type of coverage protects wakeboards, water skis, fishing equipment, and much more. Usually, this coverage protects against accidental damage as well as loss. 

Bodily Injury and Property Damage Liability

Bodily injury liability coverage offers protection for when a third party suffers an injury while using your boat. Property damage liability coverage offers protection for when you are liable for damage to property. Both of these are very common coverages purchased by boat owners. 

Medical Payments

This coverage offers protection in the event someone suffers an injury while getting onto, getting off, or enjoying your watercraft. This coverage may include payments for hospital expenses, ambulance bills, etc. This coverage will take hold even if you are deemed responsible for the accident. 

Named Storm Damage

As a boat owner, you are likely aware of the potential damage a named storm can have on your boat. When your water vessel suffers damage as a result of a named tropical depression, tropical storm, or category hurricane, this type of coverage kicks in and pays for repairs. If you live in an area that receives this type of weather regularly, named storm coverage is critical.

When you need to protect your watercraft, contact the professionals at Runnels Insurance, serving Brandon, FL, for help in putting together a solid boat insurance policy. 

Does My Condo Insurance Cover Theft?

If you live in Brandon, FL, it is essential that you have condo insurance. It will help you to protect your personal properties that are not covered by homeowners insurance. However, Runnels Insurance has learned that there are some major questions with regard to what condo insurance covers. It is important to understand the following coverage before buying condo insurance. 

Does Condo Insurance Cover Theft?

The benefits of condo insurance are usually expounded on every occasion. Most of the aspects covered by this insurance policy are usually discussed. However, there is always a question of whether condo insurance covers against theft of properties.

Condo insurance should cover against theft of properties. Therefore, if you live in an insecure neighborhood, you should make sure that you have condo insurance. It will help you to cover against possible thefts. Clarify about theft coverage with your insurance company before signing the agreement. 

What Else is Covered by Condo Insurance?

Condo insurance is not only used for covering theft issues. It is also a very reliable insurance policy in covering possible personal liabilities. If a guest is injured in your condo, and you’re deemed at fault, this insurance policy will cover associated medical expenses and legal fees.

Another important area that your condo insurance will help in covering is your personal property damages. If your appliances, furniture, and clothing are damaged, your condo insurance can help in repairs. This policy can also help when replacing is needed. 

Do You Need Condo Insurance?

As a resident of the Brandon, FL area, the chances are that your personal properties will get stolen. Without condo insurance to cover such thefts, you will have to buy new properties. At Runnels Insurance, we don’t want you to go through this experience. That is why we are ready to offer you condo insurance that will help in protecting your valuables against theft.

What Does Umbrella Insurance Cover?

Just like the name suggests, umbrella insurance is a type of policy that offers extra protection beyond your existing coverage. This, however, comes with the assumption that it will cater to all your insurance needs, a factor that could not be far from the truth. Runnels Insurance provides a comprehensive guide on the items covered under umbrella insurance, which will come in handy if you live within the Brandon, FL area.

Property Damage

If you get into an accident involving multiple vehicles or one where there is significant damage to the other person’s property, your auto cover limit is likely to run out. This will require you to find alternate sources of reimbursement. Umbrella insurance covers the excess costs arising out of such situations, helping protect you from financial distress.

Bodily Injury Harm

Accidents can also give rise to 3rd party bodily injury, resulting in expensive medical bills. Rather than pay for these costs out of your pocket, umbrella insurance will cover the medical fees and treatment costs related to such an incident. If you also get sued, umbrella insurance will take care of your liability claims. Other instances where this coverage takes care of bodily injury harm are when a visitor gets injured during a visit to your premise or when your pets cause harm to other people.

Special Liability Claims

Living a perfectly orchestrated life is unattainable, an aspect that often comes with risks such as libel and slander. If you find yourself with a lawsuit in either of these areas, umbrella insurance will help cover legal fees arising from these claims and any damages awarded.

Even with the extensive insurance options on the market, structuring policies to suit specific situations can often get tricky. Examples include malicious prosecution, false arrest, and imprisonment. Umbrella insurance takes care of expenses arising from these scenarios, ensuring you are covered at all times.

For more help on how to get umbrella insurance suited to the Brandon, FL region, consider giving Runnels Insurance a call. Our agents will help structure your coverage based on your current needs.

An In-Depth Look At Condo Liability Insurance

Runnels Insurance serves the Brandon, FL community, as well as the surrounding areas. For over 20 years, we have helped our clients find the insurance coverage they need while embracing our core values of love and respect. We want to earn your trust by offering great service. We embrace our status as an independent insurance agency.

An In-Depth Look At Condo Insurance

The beautiful condos in Brandon, FL are known for their unique appearance. If you reside in one of these condos, consider the benefits of condo insurance. Condo insurance helps you protect your personal items if a disaster arises. You are covered if your personal items are stolen or vandalized. You are also covered if your personal items are damaged in a fire. Condo insurance is important because you may make the mistake of thinking that your property is covered through the owner’s policy when that is incorrect. Condo liability coverage is also very important.

When you invite guests over to your unit, you have to be aware of potential risks. Accidents can happen at any time. Someone may lose their balance by tripping over your cord or carpet. If they suffer an injury, you may be held liable. Your personal assets may be at risk during a potential liability dispute. That’s why liability coverage is important.

Liability coverage protects you if you have a pet that injures someone or vandalizes their property. If you are making dinner, and you start an accidental fire that causes damage to your neighbor’s property, liability coverage can protect you. If you are planning on hosting a party, liability coverage protects you if one of your guests causes trouble and hurts someone or their property.

Runnels Insurance Will Help You Protect What Matters Most

Visit our website today to learn more information about condo insurance.

Do I Need Motorcycle Insurance in Florida?

If you are new in Brandon, FL, you might wonder why most motorcycle riders seem not to be wearing helmets. There are very many unique issues that you may notice regarding motorcycles in Florida. However, you need to understand that motorcycle law in this state is unique compared to other states. 

No Motor Cycle Insurance

In Florida, you’re not required to have motorcycle insurance, unlike other states where motorcycle laws are very similar to those of the cars. However, most riders, especially those involved in traffic violations, are required by the law to purchase bodily injury and property protection. 

Runnels Insurance recommends that despite the law giving you the freedom to stay without motorcycle insurance, purchasing it can protect you in times of unforeseen problems. There will always be something new happening to you as you ride, and you need to be protected. 

Possible Liability Cases

In case you are involved in an accident, the other party may sue you for liabilities related to body injuries, pain, suffering, disability, and lost wages. Unless you have unlimited money, covering for such liabilities should be the responsibility of your insurance company. 

Traveling Out of State

There is no doubt that you will often ride out of state. The moment you cross borders to the neighboring states, the rules regarding motorcycle insurance change, and it becomes a necessity, a failure to which you might land in jail. Having your motorcycle insurance ready will save you from trouble when you ride across the country. 

Getting the Right Motorcycle Insurance

There are very many insurance companies in Brandon, FL, all of which offer motorcycle insurance policies. However, you should contact us today at Runnels Insurance because we care for your motorcycle insurance needs and are ready to listen to your tastes and preferences.

What Does Boat Insurance Really Cover?

Living in the Brandon, FL area is a great reason to have a boat. There’s plenty of water close by, and the weather’s warm most of the year. That means a lot of opportunities to take your boat out and enjoy it. But do you have good boat insurance, and what does that policy really cover? Before you head out on the local waterways, it may be a good idea to review your insurance coverage with us at Runnels Insurance. If you haven’t changed or updated your policy in a long time, you could find that the coverage you have might not be what you want today.

That’s especially important if you’ve done a lot of work to your boat or if it’s been upgraded in some way. You want to be sure you’re protecting your assets properly, and good insurance coverage is the way to do that. Insurance for your boat will help protect it from damage or theft, and can also help to cover you if you happen to get into an accident while you’re out on the water. Even though those things are unlikely, it’s much better to be prepared so you can focus on the fun you’ll have and not the potential for problems.

Reach out to us today at Runnels Insurance and let us help you find the right boat insurance for your needs. If you’re in the Brandon, FL area, we can help. Whether you’ve had a boat for a long time or you’re new to the experience, good coverage is one of the ways to feel more secure when you’re out on the water. Then you can enjoy everything boating has to offer and put your worries aside so you can enjoy the weather, the water, and time with family and friends.