Insurance Basics: What Coverage Does Your Family Actually Need?

Insurance Doesn't Have to Be Complicated

We hear it all the time: "I know I need insurance, but I don't know what I actually need." You're not alone. Insurance can feel overwhelming, but it doesn't have to be. Here's a plain-language breakdown of the essential coverages every family in Florida should consider.

The Must-Haves

Auto Insurance

Florida requires PIP (Personal Injury Protection) and PDL (Property Damage Liability) at minimum. But minimums often aren't enough. If you're in a serious accident, you could be personally responsible for costs above your coverage limit.

Homeowners / Renters Insurance

If you own a home, your mortgage likely requires insurance. But even renters should have coverage — it protects your belongings and provides liability coverage if someone is injured in your home.

Health Insurance

Medical emergencies don't wait for you to be prepared. Make sure your family has adequate health coverage. We can help you navigate marketplace options and employer plans.

The Smart-to-Haves

Life Insurance

If anyone depends on your income, life insurance is essential. Term life policies are affordable and provide peace of mind that your family will be financially secure.

Umbrella Policy

An umbrella policy provides extra liability coverage beyond your auto and home policies. It's surprisingly affordable and can protect your family from major lawsuits.

How We Help

At ABA 360, we work with multiple insurance carriers to find you the best coverage at the best price. We speak your language — literally — and take the time to explain every option so you can make confident decisions.