# Insurance Coverage Checklists | Legacy Builder Insurance Agency

- Link: https://legacybuildersamerica.com/coverage-checklist/
- Published: 2026-10-09T00:59:26-04:00
- Author: contact

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Insurance Tools

# Coverage Checklists

Know what to ask for before you buy. Check off each item as you review your policy.

[Get a Free Quote](https://legacybuildersamerica.com/quote/)   [Talk to an Agent](https://legacybuildersamerica.com/coverage-checklist/+13057496303)

## Auto insurance

 Florida requires Personal Injury Protection (PIP) and Property Damage Liability,
$10,000 each. Ask whether those minimums are enough for you. Bodily injury liability.
Florida does not require it for most drivers, but it protects your savings if you
injure someone. Uninsured and underinsured motorist coverage. Comprehensive and 
collision, and a deductible you could pay tomorrow. Rental reimbursement and roadside
assistance. Every driver in your household is listed. Gap coverage if your car is
financed or leased. Discounts: bundling, safe driver, paid in full, good student.

## Home, condo and renters insurance

 Dwelling coverage based on the cost to rebuild, not the market price of the home.
Your hurricane deductible: what percentage, and the dollar amount that equals. Flood
insurance. Standard home policies do not cover flood, and new flood policies usually
have a waiting period. Personal property at replacement cost instead of actual cash
value. Liability limits, plus an umbrella policy if you have significant assets.
Loss of use: pays for living expenses if you cannot stay in your home. Extra coverage
for jewelry, art or other valuables. A wind mitigation inspection, which can lower
your premium in Florida. Roof age and a 4-point inspection for older homes.

## Life insurance

 How much coverage you need. Try our [needs calculator](https://legacybuildersamerica.com/life-insurance-calculator/).
A term length that matches your mortgage and your children’s ages. Beneficiaries
are named and up to date. Coverage through your job usually ends when you leave 
that job. Riders such as living benefits and waiver of premium. Final expense coverage
for funeral and burial costs.

## Health insurance

 Your doctors and hospitals are in the plan’s network. Your prescriptions are covered.
The deductible and the out-of-pocket maximum. Whether you qualify for savings on
the ACA Marketplace. Open enrollment dates, or a qualifying life event for a special
enrollment period. Dental and vision coverage.

## Business insurance

 General liability for injuries and property damage claims. Coverage for your building,
equipment and inventory. Workers’ compensation rules for your industry and number
of employees. Commercial auto for any vehicle used for the business. Professional
liability if you give advice or services. Certificates of insurance your clients
or landlord require. A yearly review as your business grows.

For education only. This is not a quote, an offer of coverage or a recommendation.
Coverage, deductibles and rules vary by carrier and policy. Talk to a licensed agent
about your situation.

## Want a second set of eyes?

Send us your current policy and an agent will review it with you at no cost.

[Get a Free Quote](https://legacybuildersamerica.com/quote/)   [Call (305) 749-6303](https://legacybuildersamerica.com/coverage-checklist/+13057496303)

#### Legacy Builder Insurance Agency

A nationally licensed, independent insurance agency committed to protecting families,
entrepreneurs, and businesses through customized insurance solutions.

#### Insurance

[All Insurance Types](https://legacybuildersamerica.com/all-insurance/)[Life](https://legacybuildersamerica.com/life-insurance/)
[Health](https://legacybuildersamerica.com/health-insurance/)[Personal Property](https://legacybuildersamerica.com/personal-property-insurance/)
[Commercial & Business](https://legacybuildersamerica.com/commercial-business-insurance/)
[Trucking](https://legacybuildersamerica.com/trucking-transportation-insurance/)
[Specialty](https://legacybuildersamerica.com/specialty-insurance/)

#### Company

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#### Contact

[(305) 749-6303](https://legacybuildersamerica.com/coverage-checklist/+13057496303)
[info@legacybuildersamerica.com](https://legacybuildersamerica.com/coverage-checklist/info@legacybuildersamerica.com)
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Miami Gardens, FL 33169

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