Welcome to Central Park Insurance. A website for personal Auto, Homeowner, Co-op, Condo, Renters, Apartment, Business and Commercial Auto insurance to our neighbors and friends in Florida for over 15 years. We offer all our clients 24-hours, 7 days a week auto & property insurance claims assistance.
Central Park Insurance has access to secure, competitively priced insurance quotes for autos, homes, apartments, condominiums, watercraft and other recreational vehicles ie: segway. Our licensed agents understand your need for a quick response without sacrificing coverage. That is why our insurance agency provides advice from experienced Insurance advisors. Our agents respond to your requests with quotes that offer you affordable payment plans, security, savings and confidence.
Below is a summarized listing of some important features on an insurance policy. Click on the type of insurance information you are interested in learning more about. Of course, if you have questions, you call us at 954-791-2927 to speak to a licensed agent who can advise you on the coverages that will meet your needs.
- Liability Coverage Typically helps to provide you with peace of mind. It helps protect you from covered damage your car does to others-damage which you are legally liable for.
- Who is covered? You, your family members or relatives who live with you when driving or driving other cars with that vehicle owner's permission. Other people who drive your car with your permission.
- What is covered under liability? It pays for you (and those covered by the policy) for legal defense and emergency first aid to others. It pays the people you've injured for property damage, loss of services, injury, sickness, medical services, and disease, loss of income and death.
- Underinsured /Uninsured Motorist Coverage for Bodily Injury Typically protect you, covered passengers and family members for bodily injury resulting from a covered accident caused by an uninsured motorist.
- Comprehensive Coverage Covers damage to your car not covered by collision. This usually covers things such as fire, theft, vandalism, and damage caused by falling objects or hitting an animal such as a deer.
- Collision Coverage Typically pays for damage to your car as a result of an accident with another car or a collision with almost anything else.
- Personal Injury Protection (PIP or NO FAULT) Provides coverage to you for certain necessary expenses such as medical, hospital, loss of income from bodily injury caused by an accident regardless of who was at fault.
- Medical Payments Helps protect you and your covered passengers and family members for payment for reasonable and necessary treatment for bodily injury caused by a covered accident including x-rays, surgery, ambulance, physicians, hospital and funeral expenses.
- Towing Typically reimburses you up to limit on necessary towing charges for disabled vehicle.
- Rental Reimbursement If your car is being repaired due to a covered loss, you may need to go out and rent another vehicle. This coverage will reimburse you for your cost of renting another car up to your limit.
- Deductible The amount of money you agree to pay out of your pocket before the insurance company will pay for a covered loss. -The higher you set your deductible, the lower the rate will be but the more money you have to pay out of pocket.
- Dwelling Protection Covers your structure up to a specified amount against certain covered perils such as fire, windstorm, hail, theft, and vandalism. It is important to deal with a qualified insurance professional in determining if you are adequately insured.
- Building Structure Extended Limits Will cover you up to 125% of your dwelling limit to repair, rebuild or replace your dwelling if damage or loss results from a covered peril.
- Personal Property Protection Covers the things you own in the home that are items of personal property such as clothing, furnishings, televisions, stereos, computers etc. Can be covered on a reimbursement cost basis (with no deduction for wear and tear or loss in value for use) or on an actual cash value basis (minus depreciation) up to your policy limits.
- Additional Living Expenses Covers you for reasonable increase in living expenses if your home becomes uninhabitable from a covered loss. Sometimes referred to as loss of use.
- Family Liability Covers you and members of your family for damages that you are legally obligated to pay. Lets say you are playing catch with your son and his friends and you wind up and let fly with a high hard one--- a little too high. It explodes through your neighbor Fred's living room window and knocks over his wife Ethel's china cabinet breaking her Waterford crystal and Lenox China. The damage you caused could be covered here.
- Guest Medical Protection "Goodwill coverage" this pays for medical expenses if visitors to your home are injured, regardless of who is at fault. Say Fred from next door comes over to help you move the fish tank and he accidentally trips over yours son's backpack and breaks his arm. You know he wasn't looking but as a good neighbor, you rush him to the hospital to get his arm set. The medical expenses resulting from this accident would be covered by your home policy's guest medical coverage. Paying these types of expenses fosters goodwill and helps to mitigate further damage.
- Deductibles Portion of the loss that you agree to pay out of your pocket. Deductibles serve to keep your rates reasonable. Raising the amount of your deductible will lower your insurance premium.
- Personal Property Protection Provides coverage for you to repair or replace your personal possessions damaged by fire, smoke, lightning, falling objects, hail, windstorm, water damage form rupture of steam or water heating systems, freezing of pipes, and vandalism . Also covers you for theft.
- Building Property Protection Covers items of real property that are part of the apartment occupied exclusively by you or made at yourexpense: Examples are built in bookshelves, kitchen cabinets, paneling and wall to wall carpeting.
- Liability Provides protection for your family against non-auto liability claims brought by others for accidental bodily injury or damage to their property. Also provides Guest Medical Protection whether or not an accident in your co-op was your fault.
- Additional Living Expenses If you were forced to move out of your co-op while necessary repairs were made to it due to a covered loss, this policy would pay for any reasonable increases in living expenses necessary for maintaining your normal standard of living such as a place to live, food and transportation.
- Optional Coverage Available Loss assessments - covers you for your share of assessments when your co-op or condo association assesses you for damage to co-op or condo property from a covered loss or liability damages .
- Coverage provides protection for your personal belongings if they are stolen or destroyed by a fire or other covered cause of loss.
- Personal Property Reimbursement Feature An opton which allows you to settle covered losses for personal property without any deduction for depreciation( wear and tear) Perils covered include fire, lightning, falling objects, smoke, explosion, wind and hail, water damage form plumbing, steam or water heating, vandalism And theft on your premises.
- Liability Protection Protects you against certain liability claims brought by others for bodily injury or damage to their property due to a covered accident.
- Guest Medical Provides payments for reasonable medical expenses of your guests who are accidentally injured on your property as a result of a covered loss.
- Additional Living Expenses If a tragedy forced you to move out of your apartment while repairs were made, this coverage pays for your living expenses which maintain your standard of living.
When you add up your personal possessions, they are worth thousands of dollars. Consider your furniture, appliances, T.V., stereo equipment, tapes, clothing, linens, and other important valuables; could you afford to repair or replace them?
