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Travis Giella

Umbrella Insurance

Umbrella Insurance Policy-Do I Need It?

June 29, 2025

Courtesy of iii.org If you are ever sued, your standard homeowners or auto policy will provide you with some liability coverage, paying for judgements against you and your attorney's fees, up to a limit set in the policy. However, in our litigious society, you may want to have an extra layer of liability protection. That's what a personal umbrella liability policy provides. An umbrella policy kicks in when you reach the limit on the underlying liability coverage in a homeowners, renters, condo or auto policy. It will also cover you for things such as libel and slander. For about $150 to $300 per year you can buy a $1 million personal umbrella liability policy. The next million will cost about $75, and $50 for every million after that. Because the personal umbrella policy goes into effect after the underlying coverage is exhausted, there are certain limits that usually must be met in order to purchase this coverage. Most insurers will want you to have about $250,000 of …

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Water Damage

Saving the Cost of Repairing Water Damage

June 22, 2025

Courtesy of iii.org Pop quiz: what’s one of the most common types of homeowners insurance claims? (Hint: it’s not fire.) It’s water damage. Maybe that’s not surprising – it rains a lot in many places. But what may surprise you is that things like pipe bursts and broken appliances are increasingly the main causes of water damage in homes. In insurance-speak, these are called “non-weather water damage claims.” Worryingly, these claims are happening more often and are getting a lot more expensive. A Best’s Review article reports that the average homeowners water damage claim is now over $6,700. Large losses (over $500,000) have doubled in number over the past three years. Non-weather water damage is now costing insurers (and their policyholders) billions in losses every year. This is happening for several reasons. Our housing stock is aging, as is our infrastructure. More houses are being built and they’re getting bigger – many houses now have extra bathrooms and second-floor …

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Car Insurance

Auto Insurance & Road Rage

June 15, 2025

Courtesy of iii.org Road rage incidents are not only dangerous, they are exempted from coverage by many auto insurance policies. Understand your risks and take precautionary measures to avoid being a victim—or a cause—of aggressive driving accidents. Crowded highways and traffic backups at times cause drivers to lose control and become extremely aggressive. Road rage is a real problem that can lead to serious accidents or even incidents of violence on the road. It's important to realize that road rage is listed as an exemption in many auto insurance policies. This is because any damage or liability stemming from aggressive driving isn't considered an accident but rather as having been caused by risky behavior. Rather than risk paying the consequences of road rage—one of which may be not having your auto insurance claim paid—it's best to avoid a dangerous and costly aggressive driving incident in the first place. If you encounter an aggressive driver on the …

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Call us if you have any questions.
Orange Park: (904) 783-3388
Dade City: (813) 782-2915
Wesley Chapel: moved to Dade City-same phone
The premiums to be quoted are estimates based on information you provided. This quotation does not constitute a contract of insurance, nor does it provide coverage for any loss or claim. Coverage can only be bound by an agent with a signed application and a down payment. Insurance coverage cannot be bound or changed via submission of this online form/application, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly with a licensed agent. Note any proposal of insurance we may present to you will be based upon the values developed and exposures to loss disclosed to us on this online form/application and/or in communications with us. All coverages are subject to the terms, conditions, and exclusions of the actual policy issued. Not all policies are available in every state.
Please contact our office at (813) 782-2915 (Jacksonville) or (904) 783-3388 (Tampa) to discuss specific coverage details and your insurance needs. In order to protect your privacy, please do not send us your confidential personal information by unprotected email. Instead discuss that personal information with us by phone or send by fax.
Call us if you have any questions.
Jacksonville: (904) 783-3388
Dade City: (813) 782-2915
Wesley Chapel: moved to Dade City-same phone

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Jacksonville Location

Giella Insurance Agency
7855 Argyle Forest Blvd Unit 502
Jacksonville, FL 32244
Phone: (904)-783-3388
Fax: (904)-783-1166

Dade City Location

Giella Insurance Agency
37837 Meridian Ave, Suite 102
Dade City FL 33525
Phone: (813) 782-2915
Fax: (813-783-2226

Wesley Chapel moved to Dade City

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