Florida Sinkholes: What Polk County Homeowners Should Know

Posted on by admin

Sinkholes are a common concern in Florida. If you live in Polk County, FL, you’ve likely heard numerous horror stories about sinkholes. They’re not rare. They’re everywhere. Central Florida’s limestone bedrock, combined with frequent heavy rainfall and ongoing development, makes the region especially prone to the formation of caves or other underground voids. For homeowners, this isn’t just unsettling; it’s a reminder to understand how your insurance responds when the ground beneath you suddenly gives way.

Why Are Sinkholes a Serious Concern?

Unlike a fallen tree or a leaky roof, a sinkhole is invisible and unpredictable. One moment, your yard looks perfectly fine; the next, you’re staring at a 60-foot hole in the middle of your driveway. While Florida law requires insurers to include “catastrophic ground cover collapse” protection, this doesn’t mean your home and property are covered for every scenario. It’s essential to review the details of your policy. At The Isom Insurance Group, we help Polk County, FL, homeowners understand what’s covered and what’s not—before it’s too late.

Common Coverage Gaps That Surprise Homeowners

Many homeowners mistakenly believe their standard home insurance covers sinkhole-related damage. However, coverage often applies only under specific and narrowly defined conditions. If smaller ground shifts or structural damage don’t meet the required threshold, you may be left unprotected. These gray areas often catch families off guard. Reviewing your policy and understanding the critical coverage it provides is more than just paperwork—it’s essential protection for your home and family.

Signs You Shouldn’t Ignore

Pay attention to early warning signs such as cracks in walls, doors that suddenly misalign, or dips in your yard that weren’t there before. If you notice these issues, take immediate action. Don’t wait until your home collapses to ask the right questions. At The Isom Insurance Group, we work with you to ensure your policies address real-world risks, including sinkholes.

Want to confirm your home is covered for damage caused by sinkholes and other “catastrophic ground collapses”? Reach out today. Together, we’ll make sure your family and home are protected from what lies beneath.

Read More

Florida Car Insurance Hurricane Season: Back-to-School Checkup (2025)

Posted on by isomgroup

Estimated read time: 5–6 minutes

Florida car insurance hurricane season arrives just as school traffic returns. That means busier roads, fast afternoon storms, and more fender-benders. This quick checkup shows what to review now so your coverage and budget are ready before the next system rolls through.

Get a Quick Quote

Call/Text (863) 535-6903

Jump to: Coverage to Review · Deductibles · Teen Drivers · Storm Prep · Claims · Savings · Local Reminders · FAQs

Florida Car Insurance Hurricane Season: What to Review Now

  • Liability: Align limits with your assets and current lifestyle. If you changed jobs, bought a vehicle, or altered your commute, review limits now.
  • Uninsured/Underinsured Motorist (UM/UIM): Helps if you’re hit by a driver with little or no insurance—common on busy corridors.
  • Comprehensive: Covers storm damage (wind, hail, flooding, fallen branches), theft, vandalism, and glass. It’s the key protection during hurricane season.
  • Collision: Pays for repairs if you hit another car or object—helpful during crowded drop-off and pick-up times.
  • Roadside & Towing: Low cost; useful for flats, dead batteries, and lockouts after heavy rain.
  • Rental Reimbursement: Covers a rental while your car is in the shop after a covered claim.
  • Glass/Windshield Options: Some carriers offer enhanced glass benefits that reduce downtime.

Want a human review? We’ll compare multiple carriers to balance price and protection. Start your quote.

2) Deductibles: Find the Sweet Spot

Your deductible is what you pay before insurance kicks in. Higher deductibles usually result in lower premiums. However, make sure it’s an amount you can comfortably handle out of pocket. Many Florida drivers keep comprehensive moderate for storm claims and raise collision slightly for savings.

3) Teen & New Drivers: Safer Habits, Smarter Pricing

  • Add them promptly: Undeclared drivers can complicate claims.
  • Ask about discounts: Good Student, Driver Training, Telematics/Safe-Driving Apps, Multi-Vehicle.
  • Set house rules: No phones while driving, always seatbelts, curfews, and limited passengers at first.
  • Choose the right car: Modest, safe, reliable models often rate better.

4) Storm-Smart Car Prep (5 Quick Moves)

  1. Park high & covered to avoid trees and flood-prone spots.
  2. Photograph your vehicle (inside & out) before a storm; repeat after if needed.
  3. Keep key docs handy: ID cards (digital + paper), roadside number, lender info.
  4. Fuel up & charge up ahead of tropical systems.
  5. Never drive through water. If water reaches the floorboards, don’t start the engine—call roadside first.

For broader safety guidance, see Florida’s school-zone tips from the state FLHSMV and storm tracking from the NOAA National Hurricane Center.

5) If You Need to File a Claim

  • Safety first: Move to a safe spot, check for injuries, and call 911 if needed.
  • Document everything: Photos/video of damage, location, and any other vehicles.
  • Prevent further damage: Tarp broken glass or openings.
  • Contact us early: We’ll start the claim and guide the next steps.

6) Easy Savings to Check This Week

  • Telematics/Safe-Driving Programs for potential usage-based discounts.
  • Pay-in-Full or Autopay can add small but quick savings.
  • Multi-Car & Loyal Customer discounts when you add a vehicle or driver.
  • Lower mileage? Tell us if you drive less now.
  • Shop the market: We quote multiple carriers (Progressive, Travelers, Mercury, National General, The General, The Hartford, Allstate, Foremost ARS, and more) to fit your needs.

Start Your Quote

Call/Text (863) 535-6903

Polk & Hillsborough Drivers: Local Reminders

  • School zones & speed enforcement: Watch for updated routes and signage as classes resume.
  • Game-day traffic: College football weekends add congestion—plan extra time and parking.
  • Afternoon storms: Roads are slick between 3–7 PM; increase following distance.

Quick FAQs

Does car insurance cover hurricane damage to my vehicle?
Usually, yes, under comprehensive coverage (subject to your deductible). Without comprehensive coverage, storm damage is typically not covered.

Is flooding covered?
Flood damage to your vehicle is generally comprehensive. If your car takes on water, avoid starting it and contact us.

Will a glass claim raise my rate?
It depends on your carrier and claim history. Some treat glass differently. Ask us before you file.

Final Word

During the Florida car insurance hurricane season, a 10-minute policy checkup can prevent expensive surprises. We’ll review your coverage, compare carriers, and help you save—before the next storm forms.

Get a Quick Quote

The Isom Insurance Group • Florida’s trusted personal lines experts

Read More

5 Common Florida Auto Insurance Myths — Busted!

Posted on by isomgroup

By The Isom Insurance Group

If you live and drive in Florida, you’ve probably heard all sorts of “facts” about auto insurance — from what’s covered to what’s required by law. The problem? A lot of these so-called facts are myths that could cost you money, leave you underinsured, or even get you in legal trouble.

At The Isom Insurance Group, we believe knowledge is your best policy. Let’s bust five of the most common Florida auto insurance myths so you can drive with confidence.

1. “Florida Only Requires Full Coverage”

The Truth: Florida law actually requires Personal Injury Protection (PIP) and Property Damage Liability (PDL) — not “full coverage.” The term “full coverage” is a vague industry nickname and doesn’t mean the same thing for everyone.

Why It Matters: If you think you have “full coverage” but don’t carry comprehensive or collision, you may not be covered if your own car is damaged in an accident, stolen, or hit by a storm.

2. “Red Cars Cost More to Insure”

The Truth: The color of your car does not affect your insurance rate. Insurers care about make, model, year, safety features, and repair costs — not the paint job.

Why It Matters: Don’t let color myths influence your car choice. If you love that red convertible, buy it — your rate won’t change just because of the color.

3. “PIP Covers Everything After an Accident”

The Truth: Florida’s PIP covers 80% of medical expenses and 60% of lost wages up to $10,000, regardless of fault. It does not cover everything, and it won’t pay for vehicle repairs.

Why It Matters: If your medical bills or lost income exceed PIP limits, you’ll need additional coverage — like bodily injury liability, medical payments, or uninsured motorist protection.

4. “Older Cars Don’t Need Collision Coverage”

The Truth: Whether to carry collision coverage depends on your car’s value and your financial comfort level — not just its age. Some older vehicles still have high market value.

Why It Matters: Dropping collision coverage might save you money on premiums, but if your car is totaled and you can’t afford to replace it, the savings may not be worth the risk.

5. “All Insurance Companies Are the Same”

The Truth: Every insurance carrier has different rates, coverage options, discounts, and customer service standards.

Why It Matters: Working with an independent agency like The Isom Insurance Group means we can shop multiple top-rated carriers — including Geico, Progressive, Travelers, The Hartford, and more — to find your best fit.

The Bottom Line

When it comes to auto insurance, the wrong information can leave you underinsured or paying more than you should. At The Isom Insurance Group, we’re here to help Florida drivers cut through the confusion and get coverage that truly meets their needs.

📞 Call/Text Us Today: 863-535-6903
🌐 Visit: www.isominsurancegroup.com

#FloridaInsurance #AutoInsuranceTips #InsuranceMyths #IsomInsuranceGroup #DriveSmart

Read More

What Does ‘Full Coverage’ Auto Insurance Really Mean in Florida?

Posted on by isomgroup

What Does “Full Coverage” Auto Insurance Really Mean in Florida?

If you’ve ever called around for car insurance quotes, you’ve probably asked:
“Can I get a quote for full coverage?”
Here at The Isom Insurance Group, we hear that question every day. And while it’s a great place to start, let’s clear up what “full coverage” really means—especially here in Florida.

🚗 Full Coverage = Not a Real Policy Type

Let’s be honest: there’s no actual insurance policy called “full coverage.”
It’s an informal term that usually refers to a combination of:

  • Liability coverage (required by law)
  • Comprehensive coverage (non-collision: theft, weather, vandalism)
  • Collision coverage (damage to your car from a crash)

Think of it as the basics + protection for your own car.

💡 Florida-Specific Requirements

Florida only requires:

  • $10,000 in Personal Injury Protection (PIP)
  • $10,000 in Property Damage Liability (PDL)

That’s bare minimum. It won’t fix your car if you’re at fault, and it definitely won’t help if you cause a major accident. That’s why most people ask for “full coverage”—because they want peace of mind.

🛠 What’s Usually Missing From “Full Coverage”?

Most Florida drivers are surprised to learn that “full coverage” may still exclude:

  • Uninsured/Underinsured Motorist (UM/UIM)
  • Roadside assistance
  • Rental reimbursement
  • Gap coverage

In fact, 1 in 5 drivers in Florida are uninsured. If they hit you and you don’t have UM/UIM? You could be left footing the bill.

🧾 The Best Coverage is Personalized Coverage

At The Isom Insurance Group, we don’t just plug in your info and spit out a quote. We take time to learn about:

  • How far you drive
  • Your vehicle’s value
  • Whether you commute, drive for Uber, or just run errands
  • What kind of financial protection you’re comfortable with

And because we’re independent, we shop multiple carriers like Progressive, Travelers, and Allstate to get you the best deal for your needs.

👋 Final Thoughts

“Full coverage” can mean different things to different people. Don’t assume it’s a catch-all—you deserve a policy that actually protects what matters to you.

We’re based in Polk County and proudly serve drivers across the entire state of Florida.

👉 Click here to request a custom quote now.

Need help? Talk to a real person who cares. Call us today or send us a message—we’re here for Florida drivers just like you.

Read More

Four Types of Coverage in Auto Insurance

Posted on by admin

Auto insurance includes several types of coverage, each designed to protect you in different ways. While liability coverage is typically required, having all four major types of auto coverage in your policy provides comprehensive protection. If you need auto insurance, The Isom Insurance Group, servicing Polk County, FL, is here to help.

Bodily Injury Liability

Bodily injury liability coverage protects you against claims for injuries sustained by the other party in an accident. It covers expenses such as medical treatment costs and ongoing therapies required as a result of the accident. This type of coverage is generally mandatory.

Property Damage Liability

Property damage liability coverage pays for damage to the other party’s vehicle or property after an accident. However, it does not cover damage to your own vehicle or its contents. This type of coverage is also required by law.

Collision Coverage

Collision coverage pays for damage to your own vehicle in the event of an accident. While it’s not legally required, it’s highly recommended. This coverage can make the difference between having a functional vehicle and being left without transportation after an accident.

Comprehensive Coverage

Comprehensive coverage protects your vehicle from a wide range of non-collision-related damages, including theft, vandalism, fire, and weather-related incidents. It’s especially useful for damage that occurs while your vehicle is parked. Having this coverage ensures you’re prepared for unexpected events.

Get Auto Insurance Today

If your current auto policy doesn’t include all the coverage you need, now is the time to upgrade. Contact The Isom Insurance Group, servicing Polk County, FL, to get started with a policy that provides complete protection.

Read More

Umbrella Insurance: A Wise Choice for Small Businesses?

Posted on by admin

The Isom Insurance Group is proud to offer Polk County, FL residents and businesses exceptional commercial insurance, including umbrella liability protection. If you run a small business and don’t have this coverage, you could be putting yourself at serious risk. Here’s why.

Why Even Small Businesses Need Umbrella Policies

Many small businesses believe they can operate without umbrella insurance, which is understandable. Smaller companies often have tighter profit margins and may feel they lack the resources to invest in additional protection.

However, their small size is precisely why they need an umbrella policy. Let’s consider an example to illustrate this point. Imagine you run a small tax preparation business from your home, primarily as a side hustle. Now, let’s say you make a significant error while preparing a customer’s taxes, costing them thousands of dollars or even causing their business to shut down. In this scenario, they could sue you for damages far exceeding the limits of your standard liability coverage.

If this happens, you would be responsible for covering the remaining costs out of pocket, which could jeopardize your financial stability. An umbrella policy provides additional liability coverage, offering the protection you need to avoid such devastating outcomes. Small businesses operating on narrow profit margins simply can’t afford to go without this essential coverage.

Protect Your Livelihood

At The Isom Insurance Group, we are dedicated to serving Polk County, FL, and providing high-quality umbrella protection for small businesses like yours. No matter your needs, we’re here to help. Contact us today to secure the policy that will safeguard your business and livelihood.

Read More

When to Review Home Insurance Policies in Polk County

Posted on by admin

Living in Florida necessitates a thorough review of your home insurance policy at least once a year. It’s crucial to ensure your coverage is current and that your home and investments are protected, especially in a region where weather-related risks are common. If you reside in Polk County, FL, The Isom Insurance Group is here to help you assess whether your homeowners’ insurance policy adequately meets your needs, whether you’re a lifelong resident or a recent arrival.

Optimal Times to Review Your Home Insurance Policy in Florida

For Florida residents, it’s recommended to review your homeowners’ insurance policy during the following periods:

  • Annually: Review your policy yearly or when it’s due for renewal. This allows you to consider potential construction costs, changes in property values, and your personal circumstances or budget at that time.
  • Major Purchases: After making a significant purchase, you may want to ensure your policy adequately covers your new investments, such as electronics, collectibles, and jewelry stored at home.
  • Renovations and Additions: After a renovation or addition, your home’s value is likely to increase. Reviewing and potentially updating your existing policy ensures your enhancements are covered.
  • Life Events: Following significant life events, such as the birth of a child, marriage, or divorce, it’s essential to ensure your insurance policy aligns with your current lifestyle and situation.

Regularly reviewing your home insurance policies is crucial for homeowners, whether you’re a seasoned homeowner or a first-time buyer. Being prepared for potential weather-related incidents, natural disasters, floods, and even fires helps maintain your sense of security. To review your home insurance with a trusted agency and agent in Polk County, FL, contact The Isom Insurance Group for your consultation today.

Read More

What Happens If Someone Else Drives Your Car and Crashes?

Posted on by admin

Life unfolds quickly, and sometimes that entails entrusting your car keys to a friend or family member. But what happens if they get into an accident while driving your vehicle? It’s a question we frequently address at The Isom Insurance Group, serving the Polk County, FL region, and it’s a crucial one to consider before you find yourself in a stressful predicament.

Who’s Covered—You or the Driver?

In most scenarios, auto insurance follows the car, not the person. That means if someone else is driving your vehicle with your permission and they get into an accident, your insurance typically comes into play first. This is known as permissive use, and it’s a standard part of many auto insurance policies. However, the specifics can vary depending on your particular coverage and the driver’s circumstances.

What If They Weren’t on Your Policy?

Even if the person isn’t listed on your policy, your insurer may still provide coverage, as long as they had your permission to drive. But if they live with you and regularly drive your car, they should be officially listed on your policy. If not, your claim could be denied, or you might face premium increases in the future.

Will It Impact Your Rates?

Unfortunately, the answer is yes. If a claim is made under your policy, it could lead to a rate increase, even if you weren’t the one behind the wheel. That’s why it’s important to think carefully before allowing someone to borrow your vehicle.

Suppose you have questions about your policy or want to ensure you’re adequately covered. In that case, The Isom Insurance Group, providing auto insurance to residents throughout the greater Polk County, FL area, is here to assist. Reach out today for a free, friendly auto insurance review!

Read More

Do Renters Need Umbrella Insurance?

Posted on by admin

Umbrella insurance can provide valuable additional protection if you don’t otherwise have sufficient personal liability coverage. Personal liability coverage is a standard feature of most renters’ insurance policies, and most renters’ policies offer adequate coverage for those who rent. If you’re a high-net-worth individual who rents, however, you might want additional umbrella insurance protection.

What Is Umbrella Insurance?

Umbrella insurance is a supplemental policy that extends liability coverage beyond what a standard renter’s or homeowner’s policy offers. It can protect against major lawsuits, covering legal fees and damages if you’re sued for defamation, someone else’s harm, or another covered liability incident.

The insurance is most often purchased by high-net-worth individuals, who can be targets of lawsuits and have substantial assets to protect. If you’re unsure whether you should get umbrella insurance, our team here at The Isom Insurance Group can help evaluate your situation.

Do You Need Umbrella Insurance?

Most people who lease their residence don’t need additional liability coverage beyond what a renters policy provides. People usually purchase a house when they accumulate enough wealth to justify additional liability protection. Umbrella insurance policies are commonly purchased in conjunction with home insurance policies.

However, high-net-worth individuals sometimes lease a residence without a primary home. Doctors might rent while taking a one-year contract somewhere (such as Polk County, FL), business professionals on short-term assignments might not purchase a house, and career-focused professionals who expect to be moving regularly might decide to rent. There are other reasons why wealthy individuals might rent.

If this describes your situation and you’re renting in Polk County, FL, umbrella insurance may indeed be appropriate. Contact us at The Isom Insurance Group for help deciding whether you should get the additional liability insurance protection. Our team of agents will be glad to assist you.

Read More

How Home Insurance Helps When a Guest is Injured on Your Property

Posted on by admin

Hosting friends and family is a wonderful way to create memories, but what happens if a guest gets injured while visiting your home? Accidents can happen unexpectedly, whether it’s a slip on a wet floor, a fall down the stairs, or even a dog bite. That’s where your home insurance policy can step in to help. At The Isom Insurance Group, serving the greater Polk County, FL, area, we want to ensure you understand how your policy can protect you in these situations.

Does Home Insurance Cover Guest Injuries?

Most standard home insurance policies include personal liability coverage and medical payments coverage. Personal liability coverage helps if you are found legally responsible for an injury on your property. It can cover medical bills, legal fees, and even settlement costs if the injured person decides to take legal action.

On the other hand, medical payment coverage is designed to cover minor medical expenses regardless of who is at fault. If a guest trips on your doorstep and needs medical attention, your policy may help cover their doctor’s visit without requiring a legal battle.

What Isn’t Covered?

While home insurance provides valuable protection, it doesn’t cover everything. Injuries to members of your own household typically aren’t included, as these are covered by health insurance instead. Additionally, if the injury was intentional or caused by negligence, your claim could be denied.

Make Sure You’re Protected

Accidents happen, but having the right insurance can give you peace of mind. Contact The Isom Insurance Group, serving the area in and around Polk County, FL, today to review your policy and ensure you have the coverage you need to protect yourself and your guests.

Read More