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Auto/Motor Vehicle Insurance

Personal auto/motor vehicle insurance typically provides coverage for damage to your auto or other motor vehicle, loss of your auto/vehicle, damage to another auto/vehicle or other property when you or another covered driver are in a traffic accident, and medical expenses and lost wages related to bodily injury in a traffic accident.

Florida auto/motor vehicle insurance is required if you own a motor vehicle that is registered and licensed in Florida, or if you are a part-time or seasonal resident living in Florida at least 90 days of the year. Florida’s Financial Responsibility Law may require that you also carry bodily injury liability coverage.

While Florida law requires certain minimum coverage amounts, Des Champs & Gregory recommends the following:

• Personal injury protection (PIP), and extended PIP coverage for 100% of medical expense and 80% of work loss expense.
• Property damage liability (PDL) of more than $10,000.
• Bodily injury coverage of at least $100,000 per person and $300,000 per occurrence; other limits are available.

You may purchase additional coverage such as extended bodily injury liability, collision, comprehensive, uninsured motorist, extended medical payments, towing, rental reimbursement, and accidental death and dismemberment insurance.

Boat & Other Watercraft Insurance

Flood Insurance

Flood insurance provides coverage for damage due to flooding, or rising waters. Flooding typically is not covered in your homeowners or condominium owner’s insurance policy.

You may apply for flood insurance through the National Flood Insurance Program. Some insurance companies also offer flood insurance through the Write Your Own Flood Insurance Program.

Homeowners Insurance

Personal Excess Liability Insurance/Personal Umbrella

Personal excess liability insurance – or personal umbrella – provides coverage for situations not covered by most auto/vehicle and homeowners insurance policies. A personal umbrella policy insures you in the event of a personal injury lawsuit; legal action related to damage to another’s personal property while in your care, custody or control; and other damage or liability situations involving legal action. The policy typically includes coverage for your defense expenses and the plaintiff’s legal expenses.

Your auto and homeowners insurance must be placed through Des Champs & Gregory, Inc. in order to also obtain personal excess liability insurance through our agency.

Windstorm Insurance

Windstorm insurance provides coverage for damage due to windstorms. Most homeowners insurance policies cover damage caused by windstorms, hurricanes and hail, but insurance companies may exclude this coverage in some high-risk areas. For those in a high-risk area, a separate windstorm insurance policy is a valuable coverage to supplement your home insurance.

Insurance Companies Offered by Des Champs & Gregory, Inc.

Des Champs & Gregory, Inc. offers personal property and liability products from a variety of insurance companies that include the following:

• American Strategic
• Fidelity
• First Floridian
• First Protective
• Hartford
• Liberty
• Progressive
• Safeco
• Tower Hill Insurance
• Universal

Personal Insurance Services

Change in your home address, auto/vehicle (sold or purchases), or other change related to your personal property/liability insurance?

Tell us your name and ask for the Personal Insurance Department.