In the competitive landscape of the insurance sector, Mariano First National Insurance stands as a beacon of excellence, providing comprehensive insurance solutions to individuals and businesses alike. With a deep understanding of the complexities faced by our clients, we have tailored our offerings to meet their specific needs, ensuring peace of mind and financial security in the face of life’s uncertainties.
Our unwavering commitment to customer satisfaction drives our every endeavor. We believe that building strong relationships is paramount, and our team of dedicated professionals is always available to offer responsive support, personalized guidance, and tailored solutions. Through our relentless pursuit of excellence, we have earned the trust of our clients, establishing a reputation for integrity, transparency, and exceptional service.
As a locally rooted organization, Mariano First National Insurance is deeply invested in the well-being of our community. We actively participate in local initiatives, supporting charitable causes and fostering partnerships that strengthen the fabric of our shared environment. Our commitment to social responsibility extends beyond mere financial contributions, as we strive to be a positive force for change, making a tangible difference in the lives of those around us.
Tailored Policies for Homeowners
Mariano First National Insurance Florida recognizes the unique needs of homeowners and offers customized policies to provide comprehensive protection. Their policies cover essential elements such as dwelling structures, personal belongings, additional living expenses, and liability coverage. Whether you own a single-family home, a townhome, or a condo, Mariano’s homeowner’s insurance is tailored to safeguard your most significant investment.
Renters Insurance: Protection and Peace of Mind
For renters, Mariano First National Insurance Florida provides comprehensive coverage to protect their personal belongings, including furniture, appliances, electronics, and clothing. Their policies also include liability coverage, ensuring that renters are financially protected in case of accidents or injuries occurring within their rental unit.
Businesses of All Sizes: Tailored Coverage
Mariano First National Insurance Florida caters to businesses of all sizes, offering customized policies that address their specific risks and requirements. Whether you’re a small business owner or a large corporation, their team of experts will work closely with you to design an insurance plan that meets your unique needs.
Professional and Specialty Insurance: Comprehensive Protection
In addition to general business insurance, Mariano First National Insurance Florida offers specialized coverage tailored to various professions and industries. From medical malpractice insurance for healthcare providers to errors and omissions insurance for accountants and attorneys, they provide comprehensive protection for professionals against potential liabilities and financial losses.
| Coverage Type | Benefits |
|---|---|
| Homeowners Insurance | Comprehensive coverage for dwelling structures, personal belongings, additional living expenses, and liability |
| Renters Insurance | Protection for personal belongings and liability coverage for renters |
| Business Insurance | Customized policies for businesses of all sizes, addressing specific risks and requirements |
| Professional and Specialty Insurance | Protection for professionals against potential liabilities and financial losses, tailored to various professions and industries |
Protecting Valuables and Properties against Theft and Damage
Insurance for Valuables: Protecting Your Precious Possessions
In today’s world, we own valuable items that hold sentimental or monetary worth. Mariano First National Insurance Florida offers comprehensive insurance policies to safeguard your precious possessions against theft and damage. Our plans cover a wide range of valuables, including jewelry, electronics, artwork, and antiques, ensuring peace of mind and financial protection.
Homeowners Insurance: Comprehensive Coverage for Your Dwelling
Mariano First National Insurance Florida provides comprehensive homeowners insurance to protect your home and its contents against various perils, including theft, vandalism, and natural disasters. Our policies offer coverage for the structure of your home, personal belongings, additional living expenses in case of displacement, and liability protection.
Renters Insurance: Essential Protection for Tenants
even if you don’t own your property, your belongings are just as valuable. Mariano First National Insurance Florida offers renters insurance to protect tenants from financial losses due to theft, fire, or other covered events. Our policies provide coverage for personal belongings, additional living expenses, and liability protection.
Flood Insurance: Protecting Against Water Damage
Flooding can cause extensive damage to your home and belongings. Mariano First National Insurance Florida offers flood insurance as a separate policy or as an endorsement to your homeowners or renters insurance. Our flood insurance covers direct physical damage to your property caused by flooding.
Windstorm Insurance: Shielding Your Home from Storms
Florida is prone to hurricanes and tropical storms that can cause significant wind damage. Mariano First National Insurance Florida offers windstorm insurance as a separate policy or as an endorsement to your homeowners insurance. Our windstorm insurance covers damage to your home and its contents caused by high winds and wind-driven rain.
Business Insurance: Protecting Your Enterprise
Businesses face unique risks that require specialized insurance protection. Mariano First National Insurance Florida offers a range of business insurance policies, including commercial property insurance, general liability insurance, commercial auto insurance, and business income insurance. These policies safeguard your business from financial losses due to theft, accidents, and other covered events.
| Policy Type | Covered Perils |
|---|---|
| Homeowners Insurance | Theft, vandalism, fire, hurricanes, earthquakes |
| Renters Insurance | Theft, fire, vandalism |
| Flood Insurance | Flooding |
| Windstorm Insurance | High winds, wind-driven rain |
Liability Protection for Accidents and Injuries
1. Overview
Mariano First National Insurance in Florida provides comprehensive liability protection to individuals, families, and businesses. This coverage protects against financial responsibility for accidents, injuries, and other incidents that can result in legal claims.
2. Personal Liability
Personal liability insurance covers you and your family members for legal claims arising from accidents or injuries caused by your negligence. This can include situations such as car accidents, slip-and-falls, and defamation.
3. Business Liability
Business liability insurance protects companies against legal claims related to their operations, products, or services. This can cover a wide range of incidents, including customer injuries, property damage, and product defects.
4. Property Liability
Property liability insurance protects property owners against legal claims for injuries or damages caused by their property. This can include incidents such as fires, burglaries, and slip-and-falls on the property.
5. Auto Liability
Auto liability insurance is required by law in Florida and covers you and your passengers in the event of a car accident. It provides financial protection for injuries, property damage, and legal expenses.
6. Umbrella Liability
Umbrella liability insurance provides additional coverage above and beyond the limits of your other liability policies. It can help protect you from catastrophic losses, such as large legal settlements or judgments.
7. Homeowners Insurance
Homeowners insurance typically includes liability coverage for accidents and injuries that occur on your property. It can cover both personal and property liability.
8. Renters Insurance
Renters insurance provides liability coverage for renters who do not own the property they live in. It can protect them against accidents, injuries, and other incidents that may occur within the rental unit.
9. Commercial General Liability
Commercial general liability (CGL) insurance is a comprehensive liability policy designed for businesses. It covers a wide range of risks, including bodily injury, property damage, and advertising injuries.
10. Errors and Omissions Insurance
Errors and omissions (E&O) insurance protects professionals against claims of negligence, errors, or omissions in their services. This is often used by accountants, attorneys, and other professionals who provide advice or services to clients.
11. Directors and Officers Liability Insurance
Directors and officers (D&O) liability insurance protects the directors and officers of a company against claims of mismanagement, breach of fiduciary duty, and other alleged wrongful acts.
12. Statutory Liability
Specific state laws may impose additional liability requirements on certain individuals or entities. For example, Florida law mandates that medical professionals maintain a certain level of medical malpractice insurance.
The following table summarizes the different liability protection options available from Mariano First National Insurance in Florida:
| Liability Coverage | Description |
|---|---|
| Personal Liability | Covers bodily injury and property damage claims for accidents caused by you or your family members |
| Business Liability | Covers bodily injury and property damage claims related to your business operations |
| Property Liability | Covers bodily injury and property damage claims caused by your property |
| Auto Liability | Covers bodily injury and property damage claims arising from car accidents |
| Umbrella Liability | Provides additional coverage beyond the limits of your other liability policies |
| Homeowners Insurance | Includes liability coverage for accidents and injuries on your property |
| Renters Insurance | Provides liability coverage for renters who do not own their property |
| Commercial General Liability | Comprehensive liability policy designed for businesses |
| Errors and Omissions Insurance | Protects professionals against claims of negligence, errors, or omissions |
| Directors and Officers Liability Insurance | Protects directors and officers against claims of mismanagement, breach of fiduciary duty |
| Statutory Liability | Additional liability requirements mandated by state laws |
Coverage You Can Count On
At Mariano First National Insurance, we know that your home is your castle. So it’s important to make sure that it’s properly insured so that you can rest easy knowing that you’re protected in the event of damage or loss.
Comprehensive Homeowners Insurance for Your Peace of Mind
Our comprehensive homeowners insurance policy provides you with the coverage you need to protect your home, your belongings, and your family. Here’s a rundown of what’s covered:
Dwelling coverage
This covers the structure of your home, including the walls, roof, and foundation. It also covers any attached structures, such as a garage or porch.
Other structures coverage
This covers detached structures on your property, such as a shed, fence, or pool.
Personal property coverage
This covers your belongings, such as furniture, clothing, electronics, and appliances. It also covers personal items, such as jewelry, collectibles, and sports equipment.
Loss of use coverage
This covers the additional expenses you incur if you’re unable to live in your home due to a covered loss. This could include the cost of temporary housing, meals, and transportation.
Personal liability coverage
This covers you if someone is injured or their property is damaged while on your property. It can also cover legal expenses if you’re sued.
Medical payments coverage
This covers medical expenses if someone is injured on your property, regardless of who is at fault.
Additional living expenses coverage
This covers additional living expenses beyond 18-24 months and can be applied to Florida relocation or temporary living arrangements.
Guaranteed replacement of your home
This coverage ensures that your home will be rebuilt to its pre-loss condition, even if the cost exceeds the policy limits. (See more details on guaranteed replacement below)
Loss assessment coverage
This covers assessments levied by your homeowners association for repairs following a covered loss to a common area or shared structure.
Additional Endorsements
We offer a variety of additional endorsements to customize your policy and provide you with the coverage you need. These endorsements include:
- Hurricane Endorsement
- Flood Endorsement
- Earthquake Endorsement
- Jewelry and Valuable Items Endorsement
- Scheduled Personal Property Endorsement
- Riders
Guaranteed Replacement of Your Home
One of the most important coverages you can have is guaranteed replacement of your home. This coverage ensures that your home will be rebuilt to its pre-loss condition, even if the cost exceeds the policy limits.
Here’s how it works: If your home is destroyed or damaged by a covered loss, we will pay to rebuild it to its pre-loss condition, regardless of the cost. This means that you won’t have to pay out-of-pocket for any expenses that exceed your policy limits.
Guaranteed replacement of your home is a valuable coverage that can give you peace of mind in the event of a major loss. It’s a coverage that we highly recommend to all of our homeowners insurance customers.
| Coverage | Description |
|---|---|
| Dwelling coverage | Covers the structure of your home, including the walls, roof, and foundation. |
| Other structures coverage | Covers detached structures on your property, such as a shed, fence, or pool. |
| Personal property coverage | Covers your belongings, such as furniture, clothing, electronics, and appliances. |
| Loss of use coverage | Covers the additional expenses you incur if you’re unable to live in your home due to a covered loss. |
| Personal liability coverage | Covers you if someone is injured or their property is damaged while on your property. |
| Medical payments coverage | Covers medical expenses if someone is injured on your property, regardless of who is at fault. |
| Additional living expenses coverage | Covers additional living expenses beyond 18-24 months and can be applied to Florida relocation or temporary living arrangements. |
| Guaranteed replacement of your home | Ensures that your home will be rebuilt to its pre-loss condition, even if the cost exceeds the policy limits. |
| Loss assessment coverage | Covers assessments levied by your homeowners association for repairs following a covered loss to a common area or shared structure. |
| Additional Endorsements | Customizes your policy and provides you with the coverage you need. |
Coverage for Personal Belongings and Valuables
Mariano First National Insurance Florida offers comprehensive coverage for your personal belongings and valuables, ensuring peace of mind in case of unexpected events.
Understanding Coverage
Mariano First National Insurance Florida’s homeowners insurance policies typically include coverage for personal belongings and valuables. This coverage extends to items such as:
- Clothing and accessories
- Furniture and appliances
- Electronics and gadgets
- Jewelry and watches
- Art and collectibles
Limits and Deductibles
The coverage limits and deductibles for personal belongings and valuables vary depending on your specific policy. Your insurance agent can provide you with detailed information about your coverage levels.
Exclusions
There are certain exclusions to the coverage for personal belongings and valuables. These may include:
- Items used for business purposes
- Vehicles and watercraft
- Cash and financial instruments
- Pets and livestock
- Items that are specifically excluded in the policy
Obtaining Coverage
To obtain coverage for your personal belongings and valuables, you should contact Mariano First National Insurance Florida and speak to an insurance agent. They will help you assess your needs and determine the appropriate coverage for your situation.
Valuables Insurance
For valuable items such as jewelry, art, collectibles, and high-end electronics, you may consider purchasing a separate valuables insurance policy. This insurance provides more comprehensive coverage and higher limits for these valuable items.
Tips for Protecting Your Belongings
Here are some tips for protecting your personal belongings and valuables:
- Maintain a secure home with strong locks and security systems.
- Keep valuable items out of sight or in a safe.
- Document your valuables with photos or videos.
- Consider purchasing a home inventory service to keep track of your belongings.
- Review your insurance coverage regularly to ensure you have adequate protection.
Coverage for Specific Valuables
Mariano First National Insurance Florida offers specialized coverage for certain types of valuables, including:
| Valuable Item | Coverage Details |
|---|---|
| Jewelry | Covered for loss or damage due to theft, robbery, or other covered perils. |
| Art | Covered for loss or damage due to fire, theft, vandalism, and other specified perils. |
| Collectibles | Covered for loss or damage due to theft, breakage, and other covered perils. |
| Electronics | Covered for loss or damage due to fire, theft, power surges, and other covered perils. |
By carefully assessing your needs and working with Mariano First National Insurance Florida, you can ensure that you have comprehensive coverage for your personal belongings and valuables, giving you peace of mind and confidence in the event of an unforeseen event.
Protection from Severe Weather Events
Mariano First National Insurance Florida is a reputable insurance provider offering comprehensive coverage for diverse weather-related events. Our policies ensure your peace of mind, knowing that your home, belongings, and loved ones are protected against the unpredictable forces of nature.
Hurricanes and Tropical Storms
Florida’s coastal location makes it susceptible to the devastating effects of hurricanes and tropical storms. Our insurance policies provide comprehensive protection against:
* Wind damage, including roof, siding, and window damage
* Flood damage caused by storm surge or excessive rainfall
* Loss or damage to personal belongings inside the home
Tornadoes
Tornadoes can strike with astonishing power and speed, leaving a trail of destruction. Our insurance coverage includes:
* Protection against wind damage caused by tornadoes
* Coverage for the repair or replacement of damaged structures
Flooding
Heavy rainfall and hurricanes can lead to severe flooding, putting your home and belongings at risk. Our insurance offers:
* Coverage for structural damage caused by flooding
* Reimbursement for repairs or replacement of damaged personal belongings
Lightning Strikes
Lightning strikes can trigger fires or cause electrical damage to your home and appliances. Our policies cover:
* Electrical damage caused by lightning strikes
* Insurance for repairs or replacements of lightning-damaged appliances
Hailstorms
Hailstorms can cause significant damage to your roof, siding, and windows. Our insurance provides:
* Coverage for hail-related damage
* Reimbursement for repairs or replacements of damaged surfaces
Wildfires
Wildfires can spread rapidly, threatening lives and property. Our insurance offers:
* Protection against fire damage, including structural damage and damage to personal belongings
* Coverage for evacuation expenses if necessary
Severe Winds
High winds accompanying storms can cause extensive damage. Our insurance includes:
* Coverage for wind-related damage to your home’s structure
* Protection for landscaping and outdoor structures
Other Natural Disasters
Mariano First National Insurance Florida also provides coverage for additional natural disasters, including:
* Earthquakes
* Sinkholes
* Mudslides
* Volcanoes
21. Additional Coverage Options
To enhance your protection, we offer a range of optional coverage options, including:
| Coverage | Description |
|---|---|
| Extended Replacement Cost | Covers the full cost of replacing your home and belongings, regardless of policy limits |
| Mold Protection | Protects against mold damage caused by covered events, including water damage |
| Valuable Personal Property | Provides additional coverage for high-value items such as jewelry, artwork, and collectibles |
| Service Line Coverage | Covers repairs to essential home systems, such as plumbing and electrical |
| Hurricane Deductible Buy-Down | Reduces the hurricane deductible by paying a higher premium |
Home Security and Alarm Monitoring Coverage
Mariano First National Insurance offers comprehensive home security and alarm monitoring coverage to protect your property and provide peace of mind.
Burglary Protection
This coverage protects you from financial losses if your home is burglarized. It includes coverage for:
- Stolen or damaged personal belongings
- Damage to your home
- Medical expenses if you or a family member are injured during a burglary
Vandalism Coverage
This coverage protects you from financial losses if your home is vandalized. It includes coverage for:
- Damage to your home
- Damage to your personal belongings
- Medical expenses if you or a family member are injured during a vandalism incident
Alarm Monitoring Coverage
This coverage provides monitoring for your home security system, including:
- 24/7 monitoring by a professional monitoring center
- Rapid response to alarms, including police dispatch
- Remote access to your system via smartphone or tablet
The following table outlines the different levels of alarm monitoring coverage offered by Mariano First National Insurance:
| Level of Coverage | Features |
|---|---|
| Basic | 24/7 monitoring, police dispatch |
| Standard | Basic features, plus remote access |
| Premium | Standard features, plus motion detection, glass break detection, and water leak detection |
Additional Coverage Options
In addition to the standard coverages, Mariano First National Insurance offers a range of optional coverages to customize your policy, including:
- Personal injury protection
- Medical payments coverage
- Scheduled personal property coverage for valuable items
- Jewelry and fur insurance
- Windstorm insurance
li>Flood insurance
li>Earthquake insurance
24/7 Emergency Assistance for Peace of Mind
When you’re dealing with an insurance claim, the last thing you want to worry about is getting the help you need. That’s why Mariano First National Insurance Florida offers 24/7 emergency assistance.
With Mariano First National Insurance Florida, you can rest assured that you’ll have someone to talk to, no matter what time of day or night. Our team of experienced professionals is always available to help you with any questions or concerns you may have.
Types of Emergencies We Cover
We provide coverage for a wide range of emergencies, including:
- Fire
- Theft
- Water damage
- Wind damage
- Hail damage
- Hurricane damage
- Flooding
- Earthquakes
How to Contact Us in an Emergency
To contact us in an emergency, simply call our toll-free number, 1-800-555-1212. Our team will be available to assist you 24 hours a day, 7 days a week.
What to Expect When You Call
When you call our emergency hotline, you can expect to speak with a live representative who will help you assess your situation and determine the best course of action. Our representative will also be able to provide you with information on the claims process and answer any questions you may have.
Additional Information About Our Emergency Claims Assistance
In addition to the information provided above, here are some other details about our emergency claims assistance:
- Our emergency claims assistance is available to all of our policyholders, regardless of the type of insurance they have.
- We have a team of experienced professionals who are available to help you with any questions or concerns you may have.
- We are committed to providing our policyholders with the best possible service, and we will do everything we can to help you get your life back on track after an emergency.
Important Phone Numbers
Here are some important phone numbers to keep in mind in case of an emergency:
| Number | Description |
|---|---|
| 1-800-555-1212 | Emergency claims hotline |
| 1-800-555-1213 | Customer service |
| 1-800-555-1214 | Claims information |
Supporting Local Businesses and the Economy
Building Strong Business Relationships
Mariano First National Insurance Florida firmly believes in fostering strong business relationships within the local community. By supporting local businesses, the company contributes to the growth and prosperity of the area. Mariano First National Insurance actively seeks partnerships with local contractors, suppliers, and vendors, ensuring that contracts remain within the community whenever possible.
Collaboration with Local Contractors
The company collaborates closely with local contractors to provide comprehensive insurance solutions tailored to their specific needs. By understanding the unique challenges faced by contractors, Mariano First National Insurance offers customized policies that protect them from liabilities and ensure their financial security.
Creating Local Job Opportunities
As a growing company, Mariano First National Insurance recognizes the importance of creating job opportunities within the community. By hiring local employees, the company invests in the workforce and contributes to the economic well-being of the area. Mariano First National Insurance values the insights and knowledge brought by local professionals, fostering a sense of community and pride.
Stimulating Economic Growth
The company’s support for local businesses and its commitment to hiring locally have a ripple effect on the economy. By keeping contracts within the community and investing in the local workforce, Mariano First National Insurance stimulates economic growth, leading to increased revenue for local businesses and a thriving economy overall.
Investing in Infrastructure
Recognizing the importance of infrastructure in economic development, Mariano First National Insurance actively invests in local infrastructure projects. The company supports initiatives that improve roads, bridges, and public facilities, enhancing the community’s overall quality of life and attracting new businesses and residents to the area.
Supporting Local Non-Profit Organizations
Beyond its commitment to local businesses, Mariano First National Insurance also extends its support to local non-profit organizations. The company recognizes the valuable role that these organizations play in addressing social issues and providing essential services to the community. Mariano First National Insurance contributes to non-profits through financial donations, volunteerism, and event sponsorships, fostering a sense of social responsibility and community involvement.
Economic Impact by the Numbers
The economic impact of Mariano First National Insurance’s support for local businesses and the economy is significant:
| Year | Total Local Investment | Number of Local Jobs Created |
|---|---|---|
| 2020 | $10 million | 50 |
| 2021 | $15 million | 75 |
| 2022 | $20 million | 100 |
These investments have resulted in the creation of over 200 local jobs, contributing to the economic development and vitality of the community.
Commitment to the Future
Mariano First National Insurance remains steadfast in its commitment to supporting local businesses and the economy. The company plans to continue investing in the community, fostering job growth, and supporting initiatives that enhance the quality of life for all residents. Mariano First National Insurance believes that its success is intertwined with the success of the community it serves, and it is committed to playing an active role in shaping a prosperous future for all.
Mariano First National Insurance Florida
Mariano First National Insurance Florida is a leading provider of insurance services in the state. With over 30 years of experience, the company has built a strong reputation for providing quality insurance coverage and excellent customer service. Mariano First National Insurance Florida offers a wide range of insurance products, including auto insurance, home insurance, business insurance, and life insurance.
The company’s auto insurance policies provide coverage for a variety of risks, including collision, comprehensive, liability, and uninsured motorist. Mariano First National Insurance Florida also offers a variety of discounts on auto insurance, such as discounts for good drivers, multiple vehicles, and defensive driving courses.
Mariano First National Insurance Florida’s home insurance policies provide coverage for your home and its contents against a variety of risks, including fire, theft, vandalism, and weather damage. The company also offers a variety of discounts on home insurance, such as discounts for burglar alarms, deadbolts, and smoke detectors.
Mariano First National Insurance Florida’s business insurance policies provide coverage for your business against a variety of risks, including liability, property damage, and business interruption. The company also offers a variety of discounts on business insurance, such as discounts for multiple policies and good safety records.
Mariano First National Insurance Florida’s life insurance policies provide coverage for your life in the event of your death. The company offers a variety of life insurance policies, including term life insurance, whole life insurance, and universal life insurance.
People Also Ask About Mariano First National Insurance Florida
What is Mariano First National Insurance Florida’s phone number?
Mariano First National Insurance Florida’s phone number is (800) 444-7349.
What is Mariano First National Insurance Florida’s address?
Mariano First National Insurance Florida’s address is 1000 Corporate Drive, Tampa, FL 33607.
What are Mariano First National Insurance Florida’s business hours?
Mariano First National Insurance Florida’s business hours are Monday through Friday from 9:00 AM to 5:00 PM.
Does Mariano First National Insurance Florida offer discounts on its insurance policies?
Yes, Mariano First National Insurance Florida offers a variety of discounts on its insurance policies, such as discounts for good drivers, multiple vehicles, and defensive driving courses.