These days, you can do just about anything online, including purchase insurance. But while we may live in a self-serve universe, there are still times when it’s better to let others serve you.

Independent insurance agents in Brandon, FL

Take this Google Review, for instance:

“I didn’t know that insurance savings like this existed prior to working with Talley Insurance! I had done some research online ahead of time, and Adam blew everything I’d found out of the water. My husband and I are saving a ton of money on our car and renters insurance, and will most certainly be going back when it comes time to buy a home. It pays to go through an agent with a ton of experience and knowledge, who won’t settle for anything but the best for his clients!”

While this reviewer was able to find options online, we were able to provide her with far better prices (and coverage!) than she was able to find on her own. It’s what we do! We may be biased, but we think independent insurance agents are great and here are 8 reasons why.

1) Unrivaled Local Knowledge

At Talley insurance, we are real people located right here in the Tampa Bay area―Brandon to be precise. Our office is near to our homes, our childrens’ schools, and our favorite local restaurants. We live and breathe Tampa, and we also live and breathe Florida insurance.

As local residents, we have lived in Brandon, FL for years and will use our knowledge of the area to help you protect your family’s assets and reduce a variety of risks. This is one of the many benefits associated with a local insurance agent. For instance, would an insurance agency in Montana (even if they are a great company overall) be familiar with Tampa Bay area flood zones?

When your independent insurance agent is right here in Brandon, FL, they will meet all your specific needs with the personalization and precision that can only be delivered by a local agent.

2) Get An Insurance Expert That’s Only a Phone Call Away

One of the most frustrating things about buying insurance online is that there is often no one to help you once your business has been secured. You may find yourself on hold for an hour… only to talk to a call center rep who cannot properly answer your questions.

At Talley Insurance, the same people who sold you your policy will pick up the phone when you call. We will never direct you to an outsourced customer service rep or send you to a generic online “help center.” When you call, you will be put in touch with someone who has devoted their entire career to becoming an expert in insurance. Your questions will be answered promptly, cheerfully, and with utmost attention to detail.

3) Independent Insurance Agents Help Support the Local Community

In case you couldn’t tell from item #1, we love living in Tampa! And at Talley Insurance, we believe in giving back to the community we call home.

The Talley family participates in myriad charity events, most notably the Rotary Club. Father-son duo Chuck and Adam Talley are both proud Rotarians, and Adam was named Rotarian of the year in 2018.

(Also… does being fiercely loyal to the Bucs count as supporting our community, too?!?)

4) Independent Insurance Agents Provide You With a Range of Choices

As independent insurance agents, we are not “captives” of a particular insurance provider. We can sell policies from a variety of insurers, because we are not employed by a specific insurance company. This means we are free to give you our honest opinion and use our expertise to get you the best deal!

5) Independent Insurance Agents Will Save You Time & Money

This is a nice segue into our next list item: independent insurance agents will save you time and money! Saving you time and money on insurance here in Brandon, FL (or anywhere else in the Sunshine State) is a product of the fact that we can shop around. We are not employed by one particular insurance agency, but we are intimately familiar with all of them.

As independent insurance agents, we will put our years of knowledge to work for you. Every one of our clients is unique and has their own list of wants, needs, and priorities. We take this list and match it to the plan that would be best suited for you and your family. We will find hands-down the best plan for your budget, which saves you time and money.

6) They Can Help With All Your Insurance Needs

Home? Auto? Business?

Independent insurance agents can help! You can take care of all your insurance needs at once, streamlining your personal organization processes. If you own a small business, we can help. We can also provide the best coverage for the best price for your car and your home―whether you rent or own.

7) Independent Insurance Agents Have Your Back If You Have a Claim

Independent insurance agents are in it with you for the long haul! Though we are happy to sell you the best insurance plan for your needs, we are far more than just salespeople. We are strategic partners, customer service providers, and your own personal advocates.

Life happens, and at the end of the day, that’s what insurance is for! We recommend looking for independent insurance agents in Brandon, FL who can help you report your claim and subsequently navigate the claims process. If you choose to go with an independent insurance agency, make sure they have the experience needed to clarify procedures and can answer your questions.

8) Get Unbeatable Customer Service

When you work with an independent insurance agent, it’s their job to provide the best customer service possible. At Talley Insurance, we pride ourselves on going the extra mile. We treat our clients the same way we would our own family. After all, this is a family business!


Insurance is a personal and important decision. It protects your assets and thereby protects you and your family. When making the decision regarding your insurance agent, the person who knows best is YOU.

We think independent insurance agents are great! Of course, we may be a little biased, but we also know that independent insurance agents have more options available to them, which means more savings for you. As a general rule, we also tend to be more willing to go above and beyond for our valued clients. Want to chat and see whether you think working with Talley Insurance would be right for you? Give us a call at (813) 685-9393!

Not ready yet? We understand! Take a peek around our site and do some more research. We will be here if and when you decide you need us.

The cost of your home is far more than just the cost of the house itself. From taxes to utility bills, any homeowner knows that there are far more pieces to the puzzle than just his or her mortgage. Whether you’re buying a home for the first time or the tenth, you are likely surveying all the pieces of the puzzle and visualizing how they will fit together. If you want to slide the home insurance piece snugly into place, look no further!

If you’d like to save this piece for later and just skip to some actual estimates, give us a call at (813) 685-9393 or fill out the form on this page.

Location, Location, Location!

It can be a heartbreaking moment to fall in love with a home… and then learn that the flood insurance would shatter your budget. In the same way that location plays a large role in determining the price of the home itself, it also plays a major role in determining your insurance payment.

In general, the following factors will drive your insurance costs up:

  1. Densely populated neighborhood
  2. High crime area
  3. Far away from fire hydrants and/or fire station
  4. Location vulnerable to natural disasters or severe weather

Please note that floods, earthquakes, and mudslides aren’t usually covered by regular home insurance. If any of these risks apply, you will need an additional policy!

Certain Characteristics of a Home Affect Premiums

Now that we’ve covered the location, the next consideration is the home itself. First and foremost, your home’s value will have a major impact on the premium. If your home is destroyed in a fire or other covered disaster, your home insurance will pay to rebuild it. This is called dwelling coverage. Dwelling coverage can generally be calculated by multiplying the home’s square footage by local construction costs.

There are also a variety of other characteristics that come into play when it comes to insurance premium calculations. These often include:

  1. Age of your roof
  2. Type of your roof
  3. Whether you have impact-resistant roofing
  4. Your home’s electrical system (circuit breakers are usually less than fuse boxes)

There’s Also Protection for Personal Items & Liability

Of course, your home is more than just your house! The vast majority of homeowners insurance policies include protection for your furniture and personal belongings. They also include liability in case someone is injured on your property.

Don’t forget that the things you love may require a little more coverage! This includes items like swimming pools, hot tubs, and trampolines, as well as certain breeds of furry friends.

Your Credit Score Also Affects Your Home Insurance

Remember, insurance is all about assessing risk! This means that your credit score will impact your home insurance premium as well. The better your score, the lower your premium will be.

Past claims can also affect what that final number is going to be. If you’ve made a number of insurance claims in the past, you will appear more likely to make a claim in the future. That said, insurance is meant to be used when you need it. This should never defer you from making a claim, as an experienced insurance agent (link to contact or about us) will be able to find you the best price.

How to Discount Your Home Insurance Premium in Florida

Speaking of finding the best price, there are certain actions you can take to decrease the amount you’ll pay for coverage. One of these is bundling your home and car insurance, which can lower your premium up to an impressive 20%. Of course, the exact savings depend on your provider and other considerations, but it is often a good idea. We are happy to advise as to whether or not bundling would be the best idea for you!

Insurance discounts are also typically a great idea! Some providers offer 5% off of premiums for having a smoke detector and some also grant a discount of up to 15% for home alarm systems. Please note that figures are estimates that depend on state and provider. If you’re here in Brandon, FL (or anywhere in Florida!) we will use our extensive knowledge of Florida insurance to find any available discounts for you.


If you’ve ever put together one of those 500-piece puzzles, you already know it’s faster and more efficient with a partner and a strategy!

The insurance experts here at Charles D. Talley Jr Insurance, Inc are ready to help protect your masterpiece with the best coverage for the best price. With over 35 years of experience, we are proud to say we’ve had client after client say, “We didn’t know THIS level of coverage existed at THIS low of a price.”

Want to see if we can do the same for you? Give us a call at (813) 685-9393.

Do your employees use their personal vehicles to transport equipment, other employees or deliver goods? This can pose a bit of a problem. Can you get by with just personal auto insurance, or do you need commercial auto insurance?

At our insurance agency in Brandon, this is a discussion we’ve had with many small business owners. A lot of them are worried that commercial auto insurance is more expensive than personal auto insurance. Others didn’t realize there were such a big difference, especially if their employees are using personal vehicles.

The reality is that personal and commercial auto insurance have significant differences. If your small business owner in Hillsborough that doesn’t operate a fleet of business vehicles, you may never have given commercial auto insurance much thought. You should know that if you’re using your own vehicle for work purposes that extend beyond commuting, then it’s time to talk about investing in a commercial auto insurance policy.

There’s a lot to talk about in this post, so let’s start by taking a closer look at the difference between these two types of auto insurance.

Commercial Auto Insurance or Personal Auto Insurance?

Our expert insurance agents will tell you that the primary difference primarily lies in the types of liabilities that each policy covers. Both personal and commercial policies will cover against vehicle repairs and medical bills following an accident. However, a commercial auto insurance policy in Florida have higher claims limits, cover a variety of different vehicles and account for the more complex legal issues that could arise from an accident involving a commercial vehicle.

If you’d like to learn more about what a commercial auto insurance policy covers, then please check out this blog post.

Why Personal Auto Insurance Usually Isn’t Enough

Personal auto insurance will only cover you if it’s an accident that occurred while using your car for personal reasons. This would include commuting to and from your place of work as well as travel that is unrelated to your normal job duties. Most personal auto insurance policies our clients purchase ensure the owner of the vehicle plus one or two immediate family members.

If you are a budding entrepreneur or sole proprietor, there are limited cases where the liability coverage from your personal auto insurance policy might be enough. This does not happen all the time. Call our agency if you’d like to ask about modifying your policy to include specific business uses.

Please keep in mind that this is would be for a very specific circumstance (ridesharing, part-time seasonal work, etc.) and not something that would apply to every business owner. That being said, this is why we see so some small business owners forgo investing in a commercial auto insurance policy. A personal policy that has been modified to cover specific business uses would typically be less expensive than a commercial auto insurance policy in Hillsborough.

Why You Probably Need Commercial Auto Insurance

Take your time reviewing these examples, because they should give you a clear picture of when commercial auto insurance is needed.

While running your business in Hillsborough, do you or your employees ever…

  • Deliver food or some type of product to paying customers?
  • Regularly drive long distances in order to meet with a client or survey a job site?
  • Haul equipment or tools to job sites where you’ll be working?

The Problem with Using Your Personal Vehicle to Transport Stuff

Let’s dive into each of these examples a little bit further. There’s a good reason why your personal auto insurance policy won’t cover an accident that occurred while you were transporting goods. It’s primarily because the risk is too high. For insurance companies, using a vehicle to deliver goods on a regular basis would increase your risk of getting into an accident.

Now, if you’re using your vehicle to take some of your office friends to lunch, that would be covered by your personal insurance policy. A lot of people have been asking us if they need commercial auto insurance to earn money as a Rideshare driver. This has represented a more challenging case for insurance companies. what we’re seeing now is that a growing number of insurers are offering Rideshare specific insurance policies. This type of policy would typically be cheaper than traditional commercial auto insurance. if you have some more questions about this, please contact us at (813) 685-9393.

It’s Not About the “Where,” It’s About the “Why”

So we want to make it clear that there is no limit to how much you can drive under a standard personal auto policy. That is as long as it’s for personal reasons.

Let’s look at a real world example from a small business in Tampa. This business employs a sales manager who regularly uses their personal vehicle in our to visit sales lead locations around the entire county of Hillsborough. If this employee gets into an accident on one of their sales runs, you could be facing significant liability.

What You’re Hauling Matters Too

As we mentioned before, commuting to a job is covered by personal auto insurance. Transporting heavy tools or equipment as a part of your commute is another matter. For example, a construction worker is using their personal vehicle to transport a trailer full of expensive, ladders, drills, etc. To an insurance company, this is a dangerous scenario due to the higher risk of property damage and theft compared to the average commuter. If that sounds familiar, you should speak to an insurance agent about commercial auto insurance.

Hired and Non-Owned Auto Insurance

There’s another type of insurance we wanted to cover briefly in this post and that is hired and non-owned auto insurance. This type of policy will cover vehicles that are used for business, but that your business doesn’t actually own. This includes…

  • Vehicles that are owned by employees and used for business errands
  • Vehicles that you rent for business

Hired and non-owned auto insurance would be used in a situation where you have an employee that is running an errand with their car and get into an accident. Say you send your assistant out to purchase some supplies and they end up rear-ending someone on the way back to the office in Tampa. If you didn’t have the right commercial auto insurance, your company could be liable for the resulting damages.

Modifying Your Auto Insurance Policy in Hillsborough

This blog post should have answered many of your questions when it comes to commercial auto insurance versus personal auto insurance. That being said, there are a lot of unique circumstances that could be impacting your situation. There’s no way for us to cover all of them in this post, so we do encourage you to contact our agency if you would like to learn more and you’re a business owner in Florida.

If you’re only using your car occasionally for business purposes, then an expert insurance agent might be able to modify your personal auto policy so that it covers these work-related uses. We’re often asked if commercial auto insurance is more expensive than personal auto insurance. While it may be more expensive to purchase a commercial auto insurance policy initially, the money it could save your business is significantly greater. A Florida business that relies on vehicles to operate can’t afford to not have a commercial auto insurance policy.

Charles D. Talley Jr Insurance Inc has been helping business owners in Hillsborough for over 35 years and we can help you too. if you have more questions about Commercial Auto Insurance or would like to save money on a better policy, then please contact us today at (813) 685-9393.

If you use a vehicle for work in Florida, then you should consider getting commercial auto insurance. If you’re not familiar with this type of insurance policy, then you have come to the right place. This post will show you exactly what commercial auto insurance covers and why it is such an important investment.

Most people aren’t surprised that semi-truck drivers need to have commercial auto insurance. The same typically goes for dump truck drivers and even food trucks. Where our insurance agents often see issues are with business owners who use their personal vehicles for work in one way or another. They believe things will be fine because their vehicle is covered under their personal auto insurance policy.

That is a line of reasoning that could lead to significant problems down the road. Please read on to see why…

What’s Included With Commercial Auto Insurance Coverage in Florida?

It is understandable why there is some confusion here for business owners in Hillsborough. A commercial auto insurance policy includes several types of coverage that should sound familiar to anyone with a personal auto insurance policy. These include:

Liability Coverage

This type of coverage would kick in if an employee caused bodily injury to another person while driving the covered vehicle. This coverage also includes property damage liability that would pay for any damages done to the injured party’s car or other property.

Note that while these liability coverages are typically separated out in personal auto insurance policies, they are combined into a single liability limit in a commercial auto insurance policy.

Medical Payment Coverage

Sometimes referred to as personal injury coverage, this would pay the medical expenses incurred by an employee driver and/or any passengers that were in the covered vehicle. Medical payment coverage will be applied regardless of who was at fault in the car accident.

Collision Coverage

This type of coverage will be used to pay for the damages inflicted to your commercial vehicle in an accident. Just like with the medical payment coverage, collision coverage will be applied regardless of who was at fault in the car accident.

Comprehensive Coverage

If you were wondering what would happen if one of your vehicles were damaged in a hurricane, then that’s where comprehensive coverage comes to the rescue. This type of coverage will be used to pay for damages sustained from theft, vandalism, mother nature or other non-crash incidents.

Uninsured Motorist Coverage

What happens if one of your delivery trucks gets backed into by someone who has no insurance? This could be a bad day just waiting to happen, but it doesn’t have to be if that truck is covered under a commercial auto insurance policy in Hillsborough. Uninsured motorist coverage would pay for those damages.

Specialized Coverages in Commercial Auto Insurance Policies

So now that’s out of the way, you should also familiarize yourself with the more specialized types of coverage that you wouldn’t see on a personal auto insurance policy.

  • Trailer Interchange Coverage – If you are hauling trailers with your commercial vehicles that are owned by other companies, then you’ll be happy that you have this type of coverage.
  • Rental Reimbursement with Downtime – This will be used to cover any costs your business incurs to rent a temporary replacement for a vehicle that is undergoing repairs.
  • Hired Vehicle Coverage – If you need to rent a car or van for your employees (or possibly for a client), commercial auto insurance provides hired vehicle coverage.
  • Non-owned Vehicle Coverage – This is a very important type of coverage. Some business owners in Hillsborough have employees use their own cars when conducting business. If they end up getting into an accident while operating their vehicle for work, you would be held responsible as the business owner. Non-owned vehicle coverage is included in commercial auto insurance policies for this reason.

Do You Need Commercial Auto Insurance if You Have Personal Auto Insurance?

As mentioned before, there are still plenty of business owners that mistakenly believe commercial auto insurance isn’t worth the investment if they have personal auto insurance.

To illustrate why this doesn’t work, you need to think of your auto insurance policy as a contract you have with your insurance carrier. They agree to cover damages inflicted on your car in an accident granted that you are using it for personal reasons. If you use the car for business reasons, then you are violating that contract. This gives your insurance carrier ample reason to reject your claim.

A commercial auto insurance policy differs from personal auto insurance in several distinct ways, including:

  • A commercial auto policy will have a higher liability limit than a personal auto policy
  • The cost of your commercial auto insurance policy is tax-deductible
  • A commercial auto policy can be used to cover specific named employees or blanket coverage can be applied for all employees
  • A commercial auto policy includes additional coverage for equipment like trailers and forklifts (something that personal auto insurance won’t include)

Do You Need Commercial Auto Insurance as a Rideshare Driver in Florida?

Driving for a rideshare company like Lyft or Uber is a viable way to earn a living, but the job comes with some extra considerations when it comes to auto insurance. The first thing to note is that rideshare drivers in Florida are required to have their own auto insurance policies. This is because there will be times you’ll be driving when not actively logged in to the rideshare app as a driver.

So do you really need a commercial auto policy as well? An insurance expert would say “yes” and here’s why. An insurance carrier can deny coverage to you during the time that the rideshare app is on.

For the time when you are driving with the app on, the state of Florida requires you to carry a higher insurance limit. Drivers can purchase the necessary insurance coverage themselves, but it is notable that companies like Uber and Lyft are required to provide coverage for any drivers with insufficient policy limits. Here are the specifics for when you have the rideshare app on:

  • When there is no passenger assigned – At least $50,000 of bodily injury coverage per person, $100,000 of bodily injury coverage per accident and $25,000 of property damage liability coverage per accident.
  • When there is a passenger assigned – You’ll be covered by the company’s third-party liability insurance policy, with at least $1 million coverage for bodily injury and property damage.

If you want full coverage while working as a rideshare driver, you should call us at (813) 685-9393. There are certain requirements that these companies have in order for their drivers to qualify for comprehensive coverage. This working situation can be stressful and confusing, so it is recommended that you speak to an insurance expert.

Additional Information for Business Owners

Commercial auto insurance is a great investment for any Hillsborough business owner who relies on vehicles in their day to day operations. Just remember that it won’t cover an employee who gets in an accident while driving their own personal vehicle. A simple errand could result in a significant accident and your business could be held liable.

If you are ready to make that investment, we can get you a commercial auto insurance quote ASAP. Complete our online form to get started or give us a call at (813) 685-9393. Our insurance agency has been helping Hillsborough business owners protect their livelihoods for over 35 years and we’d like nothing more than the opportunity to help you.

Hurricane season, which starts on June 1st, is fast approaching to the dismay of Florida homeowners. our insurance agency consider those 6 weeks to be one of the more turbulent times of the year. The good news this year is that Florida lawmakers approved a tax holiday that will overlap with the start of hurricane season.

If you have yet to hear about this “ tax holiday,” here’s what you should know.

The Sales Tax Free Holiday Starts May 31st

At the end of the legislative season, Florida lawmakers approved a $121 million tax break package. They also approved a tax holiday that remains in effect through the start of the hurricane season this year. This means that many of the important supplies that are recommended when preparing for a hurricane won’t be subject to a sales tax.

Do you need to buy a new generator? How’s your supply of batteries or tarps? Even with comprehensive home insurance and a great flood insurance policy, you don’t want to be unprepared during this time of year.

If you have them thinking about stocking up on these types of supplies for this year’s hurricane season, then this is great news. From May 31st until midnight on June 6th, you won’t have to pay a sales tax when purchasing any of these items. This tax-free holiday is only going to last for a week, so don’t miss out on this opportunity.

Which Hurricane Supplies Will Be Included?

Here is a comprehensive list of the various hurricane supplies that are included in this sales tax free holiday:

  • Flashlights and other portable self-powered light sources (as long as they cost $20 or less)
  • Portable self-powered radios like two-way and weather-band radios ($50 or less)
  • Gas or diesel fuel tanks ($25 or less)
  • Waterproof sheets like tarps, plus ties and ground anchors ($50 or less)
  • Batteries including AA, AAA, C, D, 6-volt and 9-volt batteries ($30 or less)
  • Note that sales tax will still be applied for car and boat batteries during this tax holiday
  • Portable generators ($750 or less)
  • Non-electric coolers ($30 or less)
  • Reusable ice ($10 or less)


With the amount storms we have seen threatening the Tampa Bay area over the last few years, it’s nice to see that this type of tax break was approved. Additionally, Florida lawmakers have approved a back to school sales tax holiday which will be in effect in early August. If you are a parent, then you’ll be happy to know that there will be no sales tax for the purchase of important items like computers, new shoes, clothes and other various school supplies.

Have questions about your insurance that you’d like answered BEFORE hurricane season? Speak to one of our insurance experts by calling (813) 685-9393.

In today’s post from Charles D. Talley Insurance Agency, Inc, our resident Insurance expert, Adam Talley, is going to walk you through the different coverages included in a home insurance quote that you would receive from an independent insurance agency like ourselves. For any homeowner who has had questions about their home insurance in the past, this is information they don’t want to miss!

Be sure to take careful note of everything that was covered in this video. If you feel like you have more questions about your home insurance policy or you’re looking to save money on a better policy in Florida, then please give us a call today at (813) 685-9393. Adam would be happy to help you and your family.

Dwelling Coverage

When you receive a home insurance quote, the first thing you should see is your dwelling coverage. So what does this actually cover? Dwelling coverage is the limit that your insurance carrier has set for rebuilding a damaged home. For instance, say a home was severely damaged in a massive storm in Tampa. We’ll assume that the homeowner had the appropriate home insurance in this scenario. Their dwelling coverage will cover the costs to repair or rebuild their home.

Other Structures Coverage

The next item you should see in your home insurance quote is other structures coverage. If you’re wondering about what this actually covers, we understand because the name is a little vague. Other structures coverage is for other structures that are on your property, but are not part of the house.

Covered other structures can include:

  • Detached garages
  • Fences
  • Sheds
  • Bird baths
  • And more…

Personal Property Coverage

The next item in your home insurance quote is personal property coverage. What’s included as covered personal property on a home insurance policy in Florida? Imagine that you are holding your house in your hand. Now imagine that you can take the roof off the house with your other hand and turn this mini version of your house upside down. Then you start to shake it like you would a shoe you’re trying to empty of sand. Think of all the items in your home that would fall out in this hypothetical scenario. To your home insurance carrier, all these items are considered personal property.

With a home insurance policy in Florida, there are two ways to cover your personal property.

  • Actual cash value – This would be the depreciated value of your personal property.
  • Replacement cost – This would be the cost to replace the item for a brand new version.

(Insurance Insider Tip: Make sure you ask your insurance agent about scheduled personal property.)

The Flat Screen TV Scenario

If you’re still a little confused about personal property, here’s another good example. A homeowner has a big flat-screen TV that is about 10 years old. During a serious thunderstorm in Tampa, lightning strikes the home and destroys the TV. If this homeowner was using actual cash value to cover their personal property, then they’re probably not going to get more than $100 from their insurance carrier for the TV. That’s because this is what the actual cash value of a 10 year old TV would be (if it was in relatively good condition). However, a homeowner that was using replacement cost could get $800 to $1,000 to replace that destroyed flat screen TV. This would be equivalent to the price for a new TV at a electronic store or online in Tampa .

Loss of Use Coverage

The next item in your home insurance quote is loss of use coverage. This is an important item to note for homeowners living in Tampa or other places that are at risk from massive storms like hurricanes. This is coverage for homeowners that can’t live in their house due to a covered claim.

Let’s say that a hurricane ends up causing significant water damage to a home in Hillsborough. The residents of the home must vacate the property while repairs are being made. The cost of having to stay in a hotel and purchasing meals over an extended period of time can be significant. Fortunately, loss of use coverage will cover those extra costs.

Liability and Medical Payment Coverage

The next items in your home insurance quote are going to be personal liability and medical payment coverage. These two types of coverages are tied pretty closely together when it comes to home insurance in Florida.

Personal Liability Coverage

Let’s say a homeowner decides to throw a party for their neighbors at their home in St Petersburg. Everyone’s having a great time, but then something very unfortunate happens. One of the guests ends up tripping as they are walking around the pool in the backyard. Even more unfortunate is that this person decides to sue the homeowner who threw the party. Personal liability coverage will protect that homeowner in this scenario.

Medical Payment Coverage

As we mentioned before, this form of coverage is closely tied to personal liability and here’s why. Let’s imagine the same scenario that we did before — a homeowner in St. Petersburg throws a party for their neighbors and some of their close friends. However, this time it’s a good friend of theirs that trips and falls during the party. While we’ll assume that they aren’t going to sue their friend, they may need some help paying for their medical bills. This is where medical payment coverage comes in.


In this post and video, Adam Talley wanted to cover some of the essential coverages included in your home insurance policy. But there could be other coverages and endorsements included in a home insurance quote in Florida. If you have any questions about items on your quote that weren’t covered in this post, then please don’t hesitate to contact us at (813) 685-9393.

In the latest post and video from Charles D Talley Insurance Agency, Inc, our resident insurance expert, Adam Talley, is talking about auto insurance in Florida. If you’re a driver in Hillsborough county, this is a video that you really need to check out.

When it comes to the State of Florida, there are two coverages that you absolutely need to have – these are state-mandated. You need to have at least $10,000 worth of property damage and personal injury protection coverage – otherwise known as PIP. Personal injury protection coverage for Florida drivers is also at a $10,000 limit.

As far as the State of Florida is concerned, these are the only two coverages that you need in order to be insured on the roads. That being said, you could find yourself in a bad situation if that this is the only thing that you have on your auto insurance policy in Hillsborough. We have a few more things we’d like to discuss if you want to be fully protected in case you ever get into a car accident.

How To Protect Your Car In The Event Of An Accident

To protect your car, you’re going to need to have comprehensive and collision coverage. Both of these usually come with deductibles. At Talley Insurance, these deductibles start out at $500. You can go as low as $100 or go as high as $2500.

Usually, $500 deductible will give you the best value for the resulting out-of-pocket expense.

If you combine comprehensive and collision coverage with bodily injury coverage, this is typically what other insurance agents in Florida consider to be full coverage for your car. However, this still doesn’t necessarily mean that you are fully covered in the event of an accident.

Bodily injury coverage starts as low as $10,000 per person and $20,000 per accident. Please know that these coverages are for when you are at fault for the car accident.

Will Your Auto Insurance Be Enough To Cover Your Medical Bills?

In 2019, $10,000 for one person usually isn’t enough to cover the medical costs incurred by their car accident injuries. That’s why these coverages can go all the way up to as much as $250,000 per person and $500,000 per accident.

There are a lot of different options when it comes to the level of coverage that you can get on your auto insurance policy. This is why clients like to work with independent insurance agencies like Charles D Talley Insurance Agency. You can reach one of our agents at (813) 685-9393 and they can go over all the options with you to ensure you’re getting the best value for your budget.

Florida drivers with comprehensive auto insurance in Hillsborough

Other Coverages To Consider for Your Auto Insurance Policy in Hillsborough

Next we’re going to go over some other types of coverages that aren’t always included in a Florida auto insurance policy. While a lot of drivers forego these options, they are worth considering and we want to make sure each of our clients understand that.

Uninsured Motorists Coverage

Have you ever wondered what would happen if you were in an accident that is caused by another driver that doesn’t have insurance? Sounds like a nightmare scenario right? Well this is why there is uninsured motorist coverage. This will protect you in the event of an accident where the at-fault driver does not have the proper auto insurance coverages.

In 2019, we feel this is a type of coverage that all of our clients need to consider for their auto insurance policy. As the price of insurance continues to climb, more drivers are choosing to forgo insurance altogether and run the risk. If you’re hit by one of these uninsured or underinsured drivers, you could end up paying for those expensive medical bills and car repairs out of pocket.

Please talk to your insurance agent about uninsured motorist coverage in 2019.

Roadside Assistance Coverage

This is the type of coverage that’s going to help you out when you’re stuck in those unexpected situations on the road. We’re talking about situations like getting a flat tire, running out of gas, a dead car battery or locking your keys in your car. These are the types of situations that could ruin an otherwise perfect day on the road.

Fortunately, roadside assistance coverage tends to be very, very affordable for drivers in Florida. Our agents usually are able to add this to a policy for as little as $10 to $25 for the entire year. That’s a really low cost, especially if you consider that it will probably cost you a hundred dollars to have someone come out to unlock your car or provide roadside assistance.

Rental Reimbursement Coverage

Now this is a type of coverage that you might not have ever heard about before. Rental reimbursement provides money for when you’re in a covered accident and you need to have a rental car. Essentially its protection against having to pay for a rental car out of pocket which can get really expensive really fast.

It’s coverage usually starts at $30 a day and is always for 30 day periods. So for a single month, you’re looking at about $900 in coverage for a rental car.


You’d be surprised to learn how many other coverages we still could go over when it comes to auto insurance in Florida. If you have questions about your current policy or if you are fully covered, and please give us a call today at (813) 685-9393.

Are you doing everything you can to prevent potential fires in your home? Our Insurance expert Adam Talley goes on Tampa Home Talk to discuss fire safety tips With Pasco County fire rescue officers, Corey Deirdrorff and Lisa Negron. Make sure that you don’t miss any of these important tips that can protect your home and your family in the coming year.

How Do You Handle a Grease Fire in Your Kitchen?

Unfortunately, this type of fire is quite common. people are cooking something on the stove and they get distracted; they go sit down, they get on their phone, or they even fall asleep. All of a sudden they’re dealing with a serious situation. it’s a grease fire! What do you do?

As both Cory and Lisa note, the one thing you should not do is try to douse the fire with water. This is not going to produce the desired effect and it can make the matter even worse. remember that a fire needs oxygen in order to survive, so what you need to do is stifle the grease fire. These Pasco County fire rescue officers recommend covering the fire with a sheet pan or a lid in order to take the oxygen out of that fire.

Fire Safety Tips for Your Holiday Lights

Do you like to dazzle your family and neighbors with an extravagant light display during the holidays? If you’re planning on putting up a bunch of holiday lights, there are some fire safety tips that you should keep in mind in order to protect your family and your home.

Review the UL Recommendations for Your Lights

On the end of the light chords you are going to be able to see what is called the UL recommendations. What does tells you is how many strands of lights can be safely strung together. Essentially, you need to read the tag!

The outlets that you will be plugging these lights into on the outside of your home should be GFCI outlets. If you come home and noticed that your lights are continuously popping, that’s because there’s just too much voltage running through them. You really don’t want to let things get to this point. This becomes a potential fire hazard for your home in Tampa.

According to the Pasco County fire rescue officers, this is what you want to do. First, make sure that you are not connecting more than four to five strands of lights to one single outlet. Next get wind of those safety covers that you can use for electrical outlets and slide them on the end in order to prevent any moisture from getting up into the back side of your lights.

If you are concerned about how many strands of lights that you can string together safely after reading the UL recommendations then do a Google search for more information. Also Lisa notes that you need to be careful about how many extension cords you are connecting to a single power outlet. this is another common mistake that many people make during this time of year and it could have disastrous results for your home.

How to Spot a Loose or Worn Bulb

Lisa notes that it is extremely important to inspect your holiday lights before you plug them in. Keep an eye out for any loose wires, missing rubber on the outside of the string, or any other noticeable defects. The fire rescue officers also recommend watching out for any of those classic lights that bubble in the middle. These tend to be a significant fire risk. Do you know which ones we’re talking about? Here is a picture:

Old Christmas lights in a home in Brandon

Recommendations for a Christmas Tree & Space Heaters

Corey recommends placing your Christmas tree and decorations at least three feet from any significant heat source. If you plan on using a space heater when the temperature gets a little colder, you need to be very careful. Corey and Lisa see a lot of home fires get started during this time of year due to space heaters.

Make sure that you take extra caution when using space heaters and that you have purchased one that is up to date. The latest models have extra safety features built-in. For instance, they will shut off if they tip over or if they become too overheated. And you also never want to use an extension cord with a space heater. This is extremely important!

What Should You Do if There is a Fire in Your Tampa Home?

Not surprisingly, the Pasco County fire rescue officers recommend that you call them as soon as you notice a fire in your home. Corey notes that it takes his fire team about 5 to 7 minutes to get to your home. After the 911 call has been processed, his team is dispatched and they make their way to the source of the fire rapidly.

Granted that in those five to seven minutes, a fire can grow exponentially. So that is why they recommend having a plan of action in place within your family in case of a house fire. Once the Flames have been seen, have someone call 911 and have another person help family members out of the home immediately. Do not wait to act even in the case of a fairly simple cooking fire. in action during this situation can lead to significant damage to your home and put yourself and your loved ones in danger.

Don’t ever hesitate to call 911 and get in touch with the local fire department. They would much rather have to cancel on route to a home then not be called at all and have that home burn down.

Insurance Risks If You Don’t Have Central AC in Florida

Furman Insurance perspective, it is pretty important to have a central AC system for your home. So for instance let’s say someone has a wall unit instead of central AC. This type of situation represents a significant risk and can be really difficult for insurance agents to ensure on your home insurance policy. During the warmer summer months, not having a central AC unit can also lead to significant mold growth in your home.

Smoke Detectors and Carbon Dioxide

Volume might not be able to get a discount on your home insurance for ensuring that you have smoke detectors in the most critical places of your home, however you can get a discount for having smoke alarms that will alert the fire department in the case of a detected fire.

Corey also recommends that you should be checking your smoke detectors every 6 months. Make sure that you are replacing the batteries and not waiting until it’s chirping at you.


Well, we hope that you learned a thing or two today from this discussion on fire safety tips for your home during the holidays and beyond. This is an extremely important topic and one that’s not talked about enough. if you have any questions about the fire safety tips that were discussed here or how certain factors might impact your homeowners insurance policy please don’t hesitate to contact the insurance experts at Charles D. Talley Jr Insurance Inc.

Most homeowners insurance policies have a sub-limit for jewelry items, usually somewhere between $1,500-$2,500. So if you are planning to buy your loved one an expensive piece of jewelry for Christmas, you will want talk with an agent about scheduled personal property, or a rider as it is commonly referred to.

Engagement ring covered by scheduled personal property in Tampa

What’s Scheduled Personal Property?

Ask any insurance agent, and they will tell you that personal property insurance coverage is an essential aspect of homeowner’s insurance. However, a good agent will also tell you to take a close look at what is protected under your policy.  You may discover that an additional coverage (aka scheduled personal property) can provide better protection for your most valuable possessions.

What’s the Difference Between Standard Personal Property & Scheduled Personal Property?

Your standard homeowner’s policy usually provides coverage for your personal property. However, there it may also apply a dollar limit to how much will be paid out for specific possessions, such as jewelry. Some policies have a per-item limit applied for these types of valuables.

So for instance, there could be a $1,500 sub-limit applied to what your insurance will pay for jewelry following a theft. This would be upheld even if your overall personal property limit is significantly higher that.

Continuing with this example, let’s say you or your spouse has an engagement ring that is worth $3,000. It is stolen during a break-in. If you haven’t asked your insurance agent about scheduled personal property, your policy will likely only cover up to the $1,500 (maybe up to $2,500) sub-limit. This isn’t a situation we want you to find yourself if, especially with the holidays coming up.

Scheduled Personal Property for the Win

Scheduled personal property is an optional add-on to your homeowner’s insurance policy that provides increased coverage limits for specific, valuable possessions like that expensive engagement ring. Experiencing a break-in is terrible, but this coverage can be extremely helpful.

What types of possessions are covered by scheduled personal property?

  • Art and antiques
  • Expensive cameras and technical equipment
  • Firearms
  • Jewelry and furs
  • Musical instruments
  • Extensive and unique collections

Please note that your insurance agent will usually need to see a recent receipt or professional appraisal for the item(s) you want covered.

Call one of our agents at 813-685-9393 to discuss your options, and make sure you and your loved ones are properly protected. Charles D. Talley Jr. Insurance Inc., serving the Tampa Bay Area since 1983.

Your home has sustained damage from a hurricane. It’s a horrible situation, so what should you do first? Adam Talley provides expert advice you can follow in this situation.

If you’re home has sustained damage during a hurricane, here’s what your insurance agent recommends doing. First you should take pictures of the damage. After that, the next thing you need to do is contact your insurance carrier.

Flood Zones & Wind Zones in Florida

In Citrus County, most people are going to have flood insurance. Most homeowners that are along the waterway are in a mandatory flood zone. They more than likely have flood insurance. That’s a good thing! The further north you get, that will more than likely be your wind insurance policies. Remember that both wind and flood insurance are covered under your home insurance policy.

Along the coast, you get higher velocity wind zones. In Florida, the normal homeowners policy has to offer wind protection. In those high velocity winds zones, carriers can decline this coverage. This means you might have to get a third policy that is specific to wind. This means that if you live along the coast, your homeowners insurance policy might not cover wind.

Can You Get Coverage If You’re in a High Risk Zone?

If you didn’t already have the appropriate coverage, you will likely will be out of luck if the storm is bearing down on you. When it comes to flood insurance, unless it’s for a closing and it’s mandatory by your mortgage company there’s a 30-day waiting period.

If you recently closed on a home in this area then you should be okay. if you were in a A flood zone or V flood zone, Your mortgage company more than likely already made you get the appropriate flood insurance.

The Difference Between Flood and Hurricane Coverage

This is a question we get all the time at Charles D. Talley Jr. Insurance Inc. Since many of our clients live within these potentially hazardous zones, we want to make sure that they have the full understanding of where they’re covered and where they aren’t in the event of a hurricane. So in this instance, there is a distinct difference that you should know.

Florida homes sustain flood damage from hurricane surge

Your flood insurance covers against rising water. However that isn’t going to cover against damage from wind-driven rain following a breach in your roof. That is where you’re going to want hurricane coverage for your home in Florida. If you’re wondering if hurricane coverage will protect you from the rising water caused by the storm surge, sadly this would not be the case. Even though that rising water was caused by the hurricane, this type of damage would only be covered by your flood insurance.

What To Do After You’ve Made Your Insurance Claim

First off, if you’re wondering if the hotel that you are going to have to stay in will be covered by your insurance policy, the answer is yes! This is covered under the “loss of use” portion in your home insurance policy. This covers the extra expenses you will incur eating out, staying at hotel, or whatever else is required to get you by while you wait for your home to be repaired. This is a good thing because mortgage companies don’t care about a storm displacing you. They will still expect that mortgage payment to be made on time.

A 4 Point Inspection – What Is That?

Essentially, this is an inspection for insurance eligibility purposes and it’s going to cover the four systems of your home. These four systems are your roof, the plumbing, electricity, and the HVAC system. The specifics of the 4 point inspection will depend on the age of your home and the carrier you have your home insurance policy with.

Our insurance agency works with several carriers that don’t need a 4 point inspection no matter what the age of the home is. Then there are some careers that require this inspection after 30 years others that require it after 40 years. Essentially it depends a great deal on the carrier in question.

What About The New Form For the 4 Point Inspection? Should You Be Concerned?

The new form that just came out is directed by Citizens Property Insurance and the purpose of this form Is to provide even more detail around the essential systems of the home. This provides important insights into potential risk areas for an older home that could lead to a significant claim in the future.

What Happens When An Issue Is Discovered During the Inspection?

These situations can actually differ significantly depending on the carrier involved and the situation that is discovered during the 4 point inspection. Carriers will defer in how they approach various items that might be deficient in the home. However, if it is a small issue and it is for a new home closing, they might let us write the policy with the stipulation that homeowner will fix the issue within a reasonable amount of time after they have moved in.

More significant issues like a roof leak will need to be addressed before we are able to write the policy. In fact, the roof is the number one rating factor when it comes to homeowners insurance in the state of Florida and it is the number one that can cause significant damage to your home. If you have additional questions about what you should do following a hurricane, or if you’d like to talk to an insurance expert about your home insurance policy, please don’t hesitate to give us a call at 813-685-9393. You can also request a home insurance quote online here!