TJ Zinsmeister Inc.

1211 6th Street SE

Winter Haven, FL 33880

Phone: 863-294-1034

Fax: 863-299-1379


Other Personal Lines Policies

The weekend has arrived and your honey-do’s are complete.  Now it’s time to hitch up the boat or the camper and take the family out for the weekend.  Maybe it’s a good time to hit the road on your motorcycle?  Maybe you enjoy flying into the wild blue yonder?  Whatever you enjoy doing, do it with the peace of mind knowing that all of your toys are covered in the event of accident or injury.  Zinsmeister Insurance has a full range of products and coverage’s to make sure your time on the road, or on the water, or in the air is worry free.  Whether it’s a boat, PWC, plane, motorcycle, camper or RV, we have the knowledge and expertise to keep your power sports equipment well covered.

Personal Liability Umbrella
A personal liability umbrella protects you and your family in the event you are found liable for injuries or property damage and those damages exceed the limits you have on your home, auto, power sports or other policies. In the event something like this would happen your assets and future earnings could be at risk.  A liability umbrella is activated when coverage from your underlying policy is exhausted.  It may also provide coverage for things not normally covered under your other policies.  Most liability umbrellas start at $1 million but higher limits are available and the price for the umbrella is minimal compared to the coverage and peace of mind you receive.  See a representative today to discuss your personal situation and obtain the coverage you need to protect you and your family. 

Personal Articles Floater
A personal articles floater (PAF) policy is available to cover your special items; jewelry, antiques, art work, sporting equipment, guns, silver and goldware, instruments, and collections.  A homeowner’s policy does cover these items, however many are covered only to a specified limit in the policy that is much less than the actual value of that particular item.  A PAF is the best, most inexpensive way to cover your family heirlooms in the event they are lost, stolen or damaged.  Bring your inventory to one of our representatives today for a quote.    

Flood Insurance
The unthinkable just happened!!! Three hurricanes in six weeks time.  Think back to 2004 and where you lived when the rains fell.  Where did all the water go?  Did it drain to the local pond or did it rise and come toward your home?  2004 was an eye opening experience for Florida.  The National Flood insurance Program (NFIP) defines a flood as:  
 “a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your property)”
Just because it didn’t flood today doesn’t mean it can’t happen tomorrow. The NFIP has redrawn the flood plane maps in the last few years and properties that have never been considered in a flood zone may now be in one.  Where does your home sit on the new flood map?  Not sure?  Call Zinsmeister Insurance today and get the facts on your property.