All auto or car insurance coverage has two parts. The first is the liability section of the policy. It covers your legal financial responsibility for injuring others. Liability coverage is required in Florida for any auto that you own and for which you have a registration.

The second part of auto insurance covers the car itself. Comprehensive coverage reimburses losses from fire, theft or other perils. Collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks.

In Florida there are other types of coverage we may recommend as well, such as Uninsured Motorists, Medical Payments, Roadside Assistance, Rental Reimbursement and more.

Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella (insert link to Umbrella) insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.

Wike Insurance offers free, comparative quotes on auto insurance from multiple insurance carriers so you can get the best possible rate.

Want to see how much we can save you? Just request a quote to find out.

Insurance is a way of sharing the risks of riding between you and your insurance company. The way it works is simple. You pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy.

Being a motorcyclist, it is important for you to be responsible for other drivers on the road for your safety as well as theirs. At Wike Insurance, we have a variety of motorcycle policy options to meet your needs.

Wike Insurance offers free quotes on motorcycle insurance from multiple insurance carriers so we can provide you with the best possible rate.

Insurance is a way of sharing the risks of riding between you and your insurance company. The way it works is simple. You pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy.

Being a RV owner, it is important for you to be responsible for other drivers on the road for your safety as well as theirs. We know how much RV-ers love being on the road. You can trust the insurance we provide At Wike Insurance top protect your RV and we have a variety of RV policy options to meet your needs.

Wike Insurance offers free quotes on RV insurance from multiple insurance carriers so we can provide you with the best possible rate.

Want to see how much we can save you? Just request a quote to find out.

Boat insurance is available for small boats, yachts, high performance powerboats, live-aboard houseboats, catamarans, or pontoons. We can also insure “Skidoos.” Marine insurance will cover intended use including personal recreation, commercial, or charter vessels.

Boat policies can cover damage to your boat, motor, trailer, and personal effects in the boat. Available coverage includes liability, medical payments, injury to a water skier and damage to the boat itself, sometimes called hull coverage. Availability varies by type of vessel and by insurance company. Even though boat insurance premiums are low, shopping your rate can sometimes save a substantial amount.

Wike Insurance offers free, comparative quotes on boat insurance from multiple insurance carriers so you can get the best possible rate.

Want to see how much we can save you? Just request a quote to find out.

If you own a home, whether your primary residence or seasonal, you need the protection of a homeowners insurance policy. A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster, as well as the structure of the home itself. The policy will also be your first line of defense against a lawsuit from someone injured at your home.

The cost of this coverage is determined by many rating factors, including the age of the home, the size of the home, where it is located in proximity to salt water, the age of the roof, whether updates on an older home have been made and many other factors.

Other things to take into consideration apply, such as deductibles, whether loss settlement on contents is to be based on Replacement Cost (what the cost of the articles damaged will cost to purchase today) or Actual Cash Value (purchase price less depreciation), and other factors.

In Florida most insurance companies require an insurance inspection on homes older than twenty-five years. The inspection, known as a four-point inspection, includes inspection and photos of the roof, electrical system, heating and cooling systems and plumbing.

In addition to the four-point inspection, if you have a newer roof installed in 2002 or later, we recommend a wind mitigation inspection. Some of our clients have saved hundreds and even thousands of dollars per year just for providing this inexpensive inspection. Contact us to find out how to arrange it.

Quality of coverage is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis AND the coverage chosen at time of purchase of the policy. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way — unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier, not you, in the event of a loss.

Wike Insurance offers free, comparative quotes on homeowners insurance from multiple insurance carriers so you can get the best possible rate.

Want to see how much we can save you? Just request a quote to find out.

Condominium insurance provides coverage for your unit where your condominium association insurance stops. Your association typically insures the building and other common areas.

You are responsible for the interior of your unit usually from the walls in. A condominium unit owner’s policy provides personal property and liability coverage in addition to coverage for your floors, walls, cabinets and fixtures that your association’s insurance probably will not cover. In the event that your unit is rented to others a special endorsement can be provided to amend the policy and provide the correct coverage.

Every association’s insurance policy is different regarding what each unit owner is responsible for, so it is important to review your association policy and condominium by-laws carefully.

Wike Insurance offers free, comparative quotes on condo insurance from multiple insurance carriers so you can get the best possible rate.

Want to see how much we can save you? Just request a quote to find out.

If you live in a rented house or an apartment, renters insurance provides important coverage for your possessions and also provides liability coverage in the event you are legally liable for an injury to another on the premises .

If your house or apartment is broken into, destroyed by a fire, or perhaps a friend gets injured at your home, renters insurance provides financial protection for you and your family. It pays for the repair and replacement of lost items as well as any liability issues you may be responsible for.

A renters insurance policy from Wike Insurance can provide you with coverage for your personal items and personal liability to protect you from the unexpected.

Wike Insurance offers free, comparative quotes on renters insurance from multiple insurance carriers so you can get the best possible rate.

Want to see how much we can save you? Just request a quote to find out.

Wike Insurance recognizes that high net worth individuals often require specialized coverage that goes beyond the typical, off the shelf insurance plan. That is why we are now offering concierge level service and fully customizable insurance plans to satisfy your specific needs.

Our high net worth coverage includes provisions for primary and secondary residences, special private collections including art, stamps, coins, guns, photographic equipment, jewelry and more. Many policies also can include identity theft, and other coverage specific to high net worth individuals. Without the correct insurance plan you may be jeopardizing your family’s financial well-being. Contact us to find out how high net worth coverage can assure that everything you’ve worked for can be protected.

Wike Insurance offers free, comparative quotes on renters insurance from multiple insurance carriers so you can get the best possible rate.

Want to see how much we can save you? Just request a quote to find out.

A Personal Articles floater is used to insure valuable personal property that often requires more coverage than what is provided by an insured's homeowner policy, due to various exclusions and limitations on homeowner coverage. Some of these valuable items would include items such as jewelry, furs, coins, guns, cameras and much more. If you have items such as this or other collectibles, contact us for a specialized quote. Appraisals may be required.

Flood insurance covers damage to your building and/or contents that occurred as a result of a flood. In order to qualify as a flood, the water has to cover at least two acres of land or has to have damaged at least two or more properties. Water damage from broken pipes or back-ups is not considered a flood.

Today in Florida flood insurance is being offered by FEMA, usually via what is known as “Write Your Own” companies and also through private insurance companies.

A common misconception about the need to carry flood insurance is when the property is not considered to be in a “flood zone.” A flood zone is an area mapped by FEMA and designated as more or less likely to flood. However, much flood damage occurs in areas that were not previously designated as flood zones. An example of this was in 2017 when Hurricane Irma struck Florida. Only about half of Florida homeowners in high risk areas carried flood insurance. Wike Insurance considers flood coverage a vital part of your insurance portfolio.

You don’t have to be a millionaire to be sued like one. Million-dollar judgments against individuals for negligence are becoming more common. Some examples of Umbrella claims are:

A child made disparaging remarks about a teacher on social media. The courts awarded the teacher $750,000 in damages.

A teenager was awarded $700,000 against a former sports coach for incorrectly coaching her and ruining her chances at an athletic scholarship.

A parent hosted a party on the beach for her teenaged daughter. Some of the guests, unbeknownst to the host, brought in alcohol. After leaving the party one of the guests was seriously injured in a car accident. The courts determined that the hosts should have been supervising the party and could have prevented the use of alcohol by the teenagers. The Umbrella insurance and homeowner policies were both used to respond to the claim.

A family was in their front yard when their 81-year-old neighbor came across the street for a quick chat. The family didn't realize that their gate was unlatched and out came their gregarious golden retriever, Gus to greet him. As the neighbor bent down to say hello to Gus, the dog jumped up and knocked him over. The neighbor twisted and fell backward, breaking his arm and hip and hitting his head on the sidewalk. He was rushed to the hospital, where he ultimately succumbed to his injuries. The family's standalone personal umbrella covered Stewart's medical expenses and ongoing litigation once their underlying homeowners insurance was exhausted. Claim: $1 MM

Umbrella policies offer inexpensive “peace of mind” for most types of negligence claims. Automobile accidents are probably the most common source of serious claims. This policy supplements your basic automobile liability with extra million-dollar layers of protection. It also covers other types of catastrophic claims such as a neighbor’s child drowning in your pool or the delivery man being seriously injured by falling over your child’s toys.

As you can see from these examples an Umbrella is a very valuable policy and should be considered by anyone who has assets to protect.

Wike Insurance offers free, comparative quotes on personal umbrella insurance from multiple insurance carriers so you can get the best possible rate.

Want to see how much we can save you? Just request a quote to find out.

As a business owner, you have enough on your mind without having to worry about your insurance needs. You want to have the confidence that the business you’ve built is covered by a company that understands your business insurance needs.

Commercial business insurance provides wide-ranging protection for businesses and their subsidiaries. There are various types of commercial business insurance that take care of property, liability and workers’ compensation, to name a few. While property insurance covers damages to business property and products stored within the premises; liability insurance provides coverage for damages to third parties; and workers’ compensation insurance covers injuries to employees.

The type of insurance needed and the rates you will pay for a policy are as diverse as there are types of businesses. Wike Insurance can design an insurance plan to protect your business no matter what industry you are in:

  • Builders Risk
  • Business Interruption and Loss of Rents
  • Business Owners Package
  • Commercial Auto
  • Commercial Property
  • Commercial Umbrella
  • Contractors Liability
  • Cyber Liability
  • Directors and Officers Liability
  • Commercial Flood
  • Garage Insurance
  • General Liability
  • Liquor Liability
  • Products Liability
  • Professional Liability also known as Errors & Omissions Insurance (Many Professions Available)
  • Restaurant Insurance
  • Special Event Insurance
  • Bonds
  • Technology Insurance
  • Workers Compensation