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Frequently Asked Questions

General

Auto

Homeowners

Renters

Umbrella

Personal Property

General Insurance with John Galt

At John Galt, we offer a wide range of insurance policies, including home insurance, auto insurance, umbrella insurance, personal property insurance, renters insurance, and more.

Understanding coverage options can feel complicated, which is why our insurance specialists are here to guide you through the various options and help you choose the type and amount of coverage that fits your evolving needs.

Yes. John Galt is an independent insurance agency that has been serving Fort Lauderdale and surrounding areas for over five decades. We have access to a wide network of insurance carriers. Our agents can compare options from various carriers to help our clients choose the policy that best fits their needs.

We highly recommend reviewing insurance policies at least once a year or when there is a major life change. This includes buying a home, purchasing a new vehicle, getting married, renovating your property, making a major purchase, or even starting your own business.

In many cases, it may be possible to bundle multiple policies, such as auto and homeowners insurance, depending on the carrier and their available options. Bundling may help simplify your coverage and could qualify you for savings.

Contact your insurance agent if you experience a major personal or professional life change. Life events, property updates, business changes, new purchases, or changes in household drivers may affect your coverage needs. Reviewing your policy can help make sure your coverage remains up to date.

You can contact John Galt Insurance by phone or email to speak with an insurance specialist for questions related to coverage, policy changes, billing, claims guidance, and other insurance-related questions.

Yes, in many cases, John Galt Insurance can help you request changes to an existing policy to update details, such as contact information, adding or removing coverage, changing vehicles, reviewing limits, or other updates to your policy.

To file a claim, contact John Galt Insurance as soon as possible. Our agents can help guide you through the next steps and connect you with the appropriate insurance carriers.

Auto Insurance

Auto insurance may help cover damage, liability, medical costs, or other losses related to a covered accident or event, depending on the policy and coverage selected.
Yes, Florida drivers are required to carry minimum auto insurance coverage. An insurance specialist can help you understand how much coverage you need and review additional options to help protect you.
Uninsured/underinsured motorist coverage may help protect you if you are involved in an accident with a driver who does not have enough insurance or does not have insurance at all.

Homeowners Insurance

Homeowners insurance may help cover your home, personal belongings, and liability claims, depending on the terms, limits, and exclusions of your policy.
Flood damage is typically not covered under a standard homeowners insurance policy. Homeowners may need to purchase a separate flood insurance policy for flood-related losses.
The amount of coverage you need depends on your home, belongings, location, financial responsibilities, and other factors that could affect your rates. Contact our insurance specialists to help review coverage options and needs.
No. Homeowners insurance is a policy option that may help protect homeowners’ homes and their belongings from covered losses. Renters may need a separate renters insurance policy to protect themselves and their belongings.
Yes, but condo owners need a specific type of homeowners insurance policy that uses an HO-6 insurance form instead of the standard single-family homeowners insurance form (HO-3). Condos are usually covered by two policies: a master policy and a personal policy. The HO-6 policy helps fill gaps that a condo’s master policy cannot provide.

Renters Insurance

Yes. Renters should consider purchasing a separate renters insurance policy as the landlord’s policy typically covers the building but does not cover the personal belongings of the renter within the property.
Renters insurance may help cover personal belongings, liability claims, and certain additional living expenses after a covered event, depending on the policy.
Yes. Renters insurance may include liability coverage if someone files a claim against them for certain types of damage or injury, subject to policy terms and limits.

Umbrella Insurance

Umbrella Insurance is an additional layer of liability protection when limits of certain policies, such as auto or homeowners insurance, are exceeded. It may be helpful for individuals or families who want additional liability protection beyond their standard policy limits.

Personal Property Insurance

Personal Property Insurance may help protect belongings, such as furniture, clothing, electronics, jewelry, and other items from covered damage or loss.
Yes, you may need extra coverage, depending on what you own. Certain high-value items, such as jewelry, rare antiques, collectibles, and expensive electronics, may have limited coverage in a standard policy, which could make extra coverage worth considering.
Yes. In some cases, personal belongings may still be covered while the owner is away from the home, depending on the policy and whether the loss results from a covered event.

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