Personal Insurance

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Binger Financial Services has forged strong long-term relationships with our insurance providers, enabling us to leverage these relationships to afford you the best value in personal insurance coverage and service available today.

  • Homes, Condo & Mobile Homes
  • Automobiles
  • Valuable Articles
  • Excess Liability
  • Collector Car
  • Flood
  • Marine

HO3 Homeowners Insurance Policy
Binger Financial Services is committed to insuring one of your largest investments, your home. The best way to protect it is through a homeowners HO3 policy.
Homeowners (HO3) policy provides insurance to single-family, townhouse or duplex homes that are owner occupied. Our HO3 product provides insurance related to most risks, such as fire, lightning and theft. It also provides coverage for:

 

  • Personal liability coverage and medical payments to others
  • Loss of use of your home during a claim while it is being reasonably repaired
  • Personal Property and Valuables
  • Coverage for other structures

 

We also have additional coverage options available such as increased limits on jewelry, replacement cost on personal property, dog liability, identity theft, and personal injury.

 

HO6 Condo Insurance Policy
Condominium association policies typically cover common areas only. Heritage Property and Casualty’s HO6 policy provides coverage to a condo unit occupied by the owner or a tenant and its valued contents. HO6 condo policy offers significant protection, including:

 

      • Personal liability coverage and medical payments to others
      • Loss Assessments
      • Contents and permanently attached building items inside the condo unit

 

Additional coverage options are available such as replacement cost on personal property, identity theft, and dog liability.
DP3 Dwelling Insurance Policy
Dwelling fire policies are intended for landlords to insure single-family or duplex homes that are rented and not vacant. DP3 Dwelling policy provides coverage that you can count on, including:

 

      • Loss of rents
      • Other structures
      • Personal liability and medical payments to others.

 

We also have optional coverage such as ordinance and law, replacement cost on personal property, and theft.
Your insurance agent can help you define the amount of coverage and options appropriate to your individual situation. We are proud of our partnership with independent agents who are highly trained professionals focused on customer satisfaction and attention to detail.

 

Mobile Home Insurance

 

Hurricanes, severe storms, flooding, tornados – these are just a few of the factors that make Florida Mobile Home Insurance extremely important and tricky. Fortunately, Binger Financial Services has written hundreds of insurance policies for mobile homes in Florida and we consider manufactured homes one of our specialties. If you recently purchased or are about to buy a mobile or manufactured home, we’re confident we can help you with your insurance needs.
Already have Mobile Home Insurance? Make sure you’re not paying too much.
Even if you are already have coverage for your mobile home, Binger Financial Services can check to see if your current policy is providing you with the proper coverage. We’ll also double check to make sure you are not paying too much. The insurance industry changes just as much as any other type of business, so it pays to get new quotes every few years.
As an independent insurance agent, Binger Financial Services has the ability to take advantage of a number of different markets and we work with a number of different Mobile Home insurance programs to find the perfect policy for you!
Getting a Mobile Home Insurance Quote is Easy
To get started, all we need is some basic information on your mobile home and we’ll have an insurance quote for you within a few hours!
Don’t just pick any insurance agent out of the phone book! Call Binger Financial Services. We are proud to be YOUR local independent insurance agent. You’ll feel comfortable dealing with people who understand the details of what makes a good insurance policy for your Florida mobile home. You’ll also be able to rest easy knowing you have the right coverage at the right price.

 

Automobiles

Get the protection you need at a price you can afford. When you get an auto insurance quote today, we’ll help you get all the discounts you deserve and three different package options to choose from — or you can customize coverage for a perfect fit. We even offer specialized car insurance for your antique or classic car. As you select coverage, remember that your premium will reflect the coverages and coverage amounts that you select. For example, if you select lower coverage amounts, you may pay a lower premium but may need to pay more out of pocket in an accident.

 

Valuable Articles

In the unfortunate event that your cherished valuables are lost, stolen or damaged, the last thing you want to hear from your insurer is that they are not insured for their true value.

Binger Financial Services can provide the best protection available for your most valuable possessions, including:

  •  fine art/antiques
  •  jewelery
  • wine collection
  • rare books
  • manuscripts
  • silverware
  •  furs
  • china and crystal
  • musical instruments
  • stamps and coins
  • cameras

 

Motor Cycle Insurance

Get Your Florida Motorcycle Insurance Quote
“Watch Out For Motorcycles!!” is more than just a bumper sticker; it’s a plea for every driver to be vigilant. Unfortunately, as every biker knows, that plea often goes unanswered. Bikers have to protect themselves and that’s possible with the help of a helmet, good brakes and Binger Financial Services. As an underwriter for multiple insurance providers, Binger Financial Services listens to your needs and concerns to ensure that you’re sufficiently satisfied with your coverage before the unexpected happens.

 

Florida Motorcycle Owners Call Binger Financial Services For The Best Rates
If cost is your concern Binger Financial Services will find you the cheapest and if quality is your concern Binger Financial Services will find you the best. Don’t make the mistake of reaching out to insurance providers yourself and don’t wait until an accident to find out that your motorcycle insurance isn’t capable of meeting your needs. Call Binger Financial Services today for a free consultation and an objective perspective on what your motorcycle insurance should entail.

 

Flood Insurance

 

Flooding can occur anywhere at anytime of the year resulting from many different types of meteorological events, not just hurricanes.

The best financial protection from floods is with the purchase of a National Flood Insurance Program (NFIP) policy that is available either from the NFIP direct or a Write-Your-Own (WYO) company. The consumer can only obtain a flood policy through an insurance agent.

It is important for agents to recognize the need for flood insurance and offer this important coverage to all their clients; and for consumers to realize the risk potential that exists – regardless of the flood zone. IIABA started helping independent agents understand and write flood insurance at NFIP’s inception in 1968, and we continually seek to provide Power through Partnerships with access to top-notch insurance providers for markets In, Above & Outside of the NFIP!

 

Marine Insurance

Binger Financial Services, LLC works with carriers who specialize in Recreational Marine. They have been a leading provider of yacht insurance for decades, offering the comprehensive policies available for both private pleasure and select charter usage. Policies can provides all-risk protection for a wide range of pleasure yachts 27 feet or greater in length and up to $5 million in value, including select occasional charter opportunities, along with many unique benefits and features that are in the marketplace. Some eligibility info:

 

Yachts (27′ or greater and up to $5 million in value) – Yachtsman/Boatsman® Policy
Length: Minimum 27′ – no maximum
Hull values: No minimum – $5 million maximum
No high performance vessels (refer to our Performance Policy)
Available in all states except Alaska. Limited availability for vessels permanently kept in Florida and the Gulf of Mexico.
Florida risks: Florida eligibility is only available for preferred vessels over $1 million in value with a permanent, full time captain employed
Gulf of Mexico: maximum vessel age is 20 years, no absentee owners

Pleasure use
Owners/Named insured must be 21
Vessel owners should be experienced in similar size/type vessels. Refer first time boat owners or those making a jump of 12′ or more.
Condition and Valuation surveys required at 10 years of age for salt water risks. 20 years of age for fresh water risks.
Lay-ups – afloat or ashore

 

Small Boats (under 27′) – Yachtsman/Boatsman Policy
Length: no minimum – maximum 26′
Hull values: no minimum – no maximum
No high performance boats (refer to our Performance Policy)
Bass boats acceptable. Pontoon boats on inland waters acceptable.
Available in all states except Alaska and Florida
Pleasure use
Owners/Named insured must be 21
Some boating experience is desired – refer first time boat owners

 

Give us a call today at: 727-822-2719 to start the process!