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Assure-Us

1880 NE 163rd St
North Miami Beach, FL 33162

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Flood insurance and high-risk areas

When buying an insurance policy, it’s a good idea to learn what your risks are. A fire can happen anywhere, for instance, but it’s much more likely to happen in drier climates. Likewise, flooding is more of a danger in some areas than others.

Find Out If You’re In A Flood Zone

One of the quickest ways to find out if your home is located in a flood zone is to check the maps at the FEMA website. Cross-reference that with your home address and you should be able to find out pretty quickly whether or not you’re likely to be affected by flooding come storm season.

The BFE And Special Flood Areas

The BFE is the Base Flood Elevation. This is the elevation at which you’ll suffer a one percent or greater chance of being affected by a flood. The higher you are above sea level, the lower your BFE compared to neighboring areas. There are also Special Flood Areas, where you are at an especially high risk for flooding. If you are in one of these areas, then your lender probably notified you during the buying process.

How Does This Affect Your Insurance?

In terms of how your risk for flooding is going to affect your insurance, you may wind up having to pay higher premiums in some areas, but the Homeowners Flood Insurance Affordability Act has done a lot to bring those premiums down, so it may simply come down to how much protection you want to buy.

We always want to plan for the worst while hoping for the best. Assure Us can help you to get a fair rate on flood insurance even if you are in a high-risk zone. Give them a call and see what they can do for you.

 

Tips for Condo Buyers

Are you considering purchasing a condominium in the Miami Beach, FL area?  If so, then you may appreciate some advice on buying a condo.  It isn’t exactly the same as purchasing a home, but for many, a condo is a step towards buying their dream home.  You should know these tips before buying.

  • Loans for condo buyers are a little different than those for a single-family home.  The Federal Housing Administration (FHA) has a list of regulations before they will approve a loan for a condo.  Rules like at least 80% of the units in the building need to be occupied by the owner to attract investors.  The building must be on the FHA list of approved condos.  Non-FHA loans can be found, but they can cost more, and the lender may want up to 20% more down.
  • Condo rules are something everyone that lives in a condo community has to follow, such as quiet hours, shared space, pets, and renting your condo out in the future.  Make sure to review the rules before you buy.
  • Condo association fees are standard, so make sure you know how much they are and what they actually go to pay.  It’s important to know how the condo association is doing financially.  Otherwise, you could end up moving in, and the association goes broke and is unable to pay for major repairs.
  • The condo complex culture can be found by reviewing the condo association minutes.  You’ll get a good idea if there are insufferable individuals that drive everyone nuts or if leadership is unresponsive.

Assure-US

Assure-US provides insurance to the Miami Beach, FL area.  Their agents work as a team to help find you the most affordable and comprehensive coverage possible.  Contact us today to discuss your condo insurance needs.

What Is the Significance of Age Bracket in Life Insurance?

Age and Life Insurance go way back. What is the convenient time to take up life insurance? Are my premiums going to be lower if I take up the policy now than in the future? For how long should and can I pay for that policy? These and many more questions flock Assure-Us offices in Miami Beach, FL. For starters, this article will be your guide to mastering age and life insurance, so read on!

Basics of Age/Time in Life Policies
To understand age’s significance, master the role of time and the three life insurance types. Term life policies have low-cost premiums running for 10, 20 or 30 years. A whole life policy accumulates a cash value throughout your life serving as both an investment and policy. Lastly, universal policies have lifetime premiums that are flexible as you can switch from savings to as insurance easily.

The Impact of Age
Now that you understand the three, your age comes in. Insurers in Miami Beach, FL use your age, health and other factors to comprehensively determine the size of your premiums. Of these factors, age is the inordinate contributing factor to how long you will and can be able to service your premiums.

A secret insurers will not tell you is that the interest rates, for let’s say, 3 years to come. At Assure-Us, Life insurance policies increase in rates averagely by 8-10% if you take one in your forties and 10-12% in your fifties. Still thinking of what age to start? Now is best and affordable. As seen, the more time you wait to get a policy the pricier it will be. To beat this yearly rate increases, choose a lifetime policy. With this policy, insurers will calculate your premiums based on your age, and then spread them evenly for the 20-30 years giving you yearly invariable premiums.

Mastering age should be easy. For any left out issue or more details, contact us.

 

 

Changes Needed to Home Insurance When Adding an “In-Law” Apartment

Adding an “in-law" apartment is a common practice in a home where the residents do not need to utilize all the space for just themselves. Sometimes this apartment is occupied by an actual relative of the homeowner. Other times, it is rented out to help offset some of the costs of operating the home. 

In both cases, it is a good idea to talk with your insurance agent at Assure-Us in Miami Beach, FL, to make sure you have the correct home insurance coverage that is adequate to protect the new configuration and use of your home.

When the use of home changes, especially if a portion of the home will be rented out, it is important to talk this situation over with your insurance agent.

Here are some things to discuss with your insurance agent:

  • What coverage does the existing homeowner’s insurance provider if a new person is using part of the home?
  • What is the difference between a relative using part of the home without paying rent and an unrelated person who pays rent for a portion of the home?
  • If rent is paid for part of a home, how does this change insurance needs?
  • Should the tenant get “renter’s” insurance for their personal property?
  • Should the home insurance be upgraded for the replacement costs of the renovations that are made?
  • What are the problems with renovations that are made without having a proper building permit?

Luckily, you do not have to know these answers. Just make the effort to discus them with your agent at Assure-Us in Miami Beach, FL. Your agent will guide you to make sure your home insurance coverage is adequate and make suggestions about what might need to be added to the coverage and possibly what other coverage should be in place. 

If you are planning to add an in-law apartment go ahead and contact your agent at Assure-Us in Miami Beach, FL, today, in order to get everything properly organized in advance.

Does Commercial Insurance Cover Theft?

When running a business there is always going to be some level of theft, be it the casual shoplifting from a store or a full scale break in. There are ways that you can protect your business however and commercial insurance is one of them. Commercial insurance covers a wide range of things that many policy holders may not even be aware of. For those that live in the Miami Beach, FL area, the agents with Assure-Us can help you find the right policy to cover any eventuality.

Commercial insurance is first and foremost in place to protect the actual, physical business. This means the storefront or warehouse that is insured. It also helps to cover any costs association with lawsuits that may be leveled against you and it can also help pay for medical bills if an employee or customer is injured on your property. On top of all that, commercial insurance also covers theft and the replacement of items that are stolen.

The first thing you need to do when dealing with theft is to get your inventory list so that you can pinpoint what has been taken. In order for theft claims to be paid out you must have a detailed inventory list so that you can prove just what was in the store and what was stolen. You also need to have some sort of proof. Things like surveillance videos are great.

Commercial policies are created to help protect the business and the business owner and to prevent any major issue that would cause the business to shut down or cause a considerable slowing in the running of the business. If you live in the Miami Beach, FL area, the agents with Assure-Us can help you tailor the perfect commercial policy for you.  

Tips to Protect Your Car From Would-be Auto Thieves

Most car owners know the importance of defensive driving to prevent costly car accidents that can cause an increase in your auto rates, but many do not think about the insurance hike in the event their car is stolen and has to be replaced.  Protecting your vehicle against would-be car thieves is just as important as preventing accidents.  Assure-Us in Miami Beach, FL knows the importance of protecting your vehicle against theft.  To protect against theft and preserve your insurance rates, follow the six safety tips below.

Keep Your Car Locked Even When You Are in It

No matter where you are, it is always a good practice to look your doors after getting in.  When you are away from your vehicle, a locked car will deter thieves looking for a quick opportunity to grab something out of the car.   Also, you should keep your cars locked while you are driving them a vehicle.  It will prevent carjackers from quickly entering your passenger doors when you are stopped and gaining control of the vehicle.

Do Not Leave Your Possessions in a Visible Place

Many thieves are looking for the quickest way to get some cash.  By having purses, laptops, jewelry, or other valuables visible you are more likely to attract attention.  If you have valuables you want to leave in the car, try putting them in the trunk or underneath items that will cover them.

Always Park in Well Lit Areas

Most thieves prefer to work in the dark, so parking your car in a well-lit area will deter would-be car thieves.  It also provides more personal safety when you go back to your vehicle.

Invest in Anti-Theft Devices

There are many anti-theft devices can be installed in your car.  You can purchase anti-theft devices that restrict control of your steering wheel, cut your ignition, sound an alarm, or are traceable by police.

Never Leave Your Car Running

No matter how quick your errand may be, you should never leave your car running when you are not in it.  It is illegal in many states to leave your car running and could result in a difficult insurance claim if it is stolen or damaged while running unattended.

Hide Your Vehicle Registration

While this may not help prevent your car from being stolen, it could help to recover it more quickly.  Most professional thieves assume the registration is in the glove box in case they end up getting pulled over.  If they do get pulled over, their inability to produce the registration will be a red flag to an officer.

If you would like more information on how to protect against auto theft or are interested in getting an auto insurance quote, contact one of the professional agents at Assure-Us in Miami Beach, FL today.

Organizing Around Your House This Spring

The weather outside is really starting to look and feel like spring in Miami Beach, FL. Once it starts feeling like that outside, it is difficult to contain the need to do some spring cleaning inside. If you are not sure where to start or simply want to make sure you get the basics done, be sure to use these tips from Assure-Us.

  • Start with dusting. Over the winter, a lot of dust can build up so start your list by making sure you dust everywhere. Once you have taken care of that, you will likely notice a difference in how much better you feel inside. 
  • Take on small tasks. Even if you have a lot of things you have to take care of on your spring cleaning list, make sure you break it up into smaller tasks so you can stay motivated. 
  • Ask for help. You do not have to do this all on your own. You can reach out to family members and friends to help you if you have a lot to do. 
  • Don’t get discouraged. If you cannot finish everything on your list, do not get discouraged. Most people create too long of a list for spring cleaning anyway. You should focus more on getting one or two items taken care of first then moving on to smaller things. 

Even if you have finished all of your spring cleaning, you still need to make sure you have a great home insurance policy in place. It is the best way to protect your home and your investment. If you do not already have one, be sure to reach out to Assure-Us, serving Miami Beach, FL. They will be happy to pull you a quote that meets your protection needs and your budget. 

Better Coverage: Why You Should Consider Changing Your Auto Insurance Policy

Changing your auto insurance policy to include more events means expending effort to spend more money a month. It’s understandable why you haven’t wanted to think about it on a daily basis, but that may need to change. Nothing can stop bad events from happening, and they are bound to happen over a given amount of time. Don’t get caught owing what you can’t afford. If you drive, you have to take the responsibility seriously enough in Miami Beach, FL to stay safe out there. 

Liability in Florida 

The state of Florida has some of the lowest possible limits in the country when it comes to auto insurance. It can make monthly premiums extremely attractive to the budget conscious, but there are many reasons to beware of this benefit. If you should happen to cause a major accident, you’ll be required to pay for anything that exceeds the Florida limits that your policy spells out. Most people aren’t even aware they have limits, and thus are shocked when they’re ordered to make up the difference. If you don’t think you have money for more coverage on your policy, you definitely won’t be able to pay thousands (or even tens of thousands) out of pocket. 

Assure-Us Serves Miami Beach, FL 

From hit-and-run accidents to hurricane damage to stolen rims, we give you the facts you need if you’re looking for better coverage. Stop assuming you’re covered and find out more about what your policy will really do when you’re most in need. People need someone to call when they’re in an accident — someone who has the power to be objective and start taking action. Call us to find out more about how Assure-Us can do just that for you. 

Reinforce Your Home Against Hurricane Damages

A recent study by the National Center for Atmospheric Research found Florida, Texas, Louisiana, and Mississippi are communities most threatened by hurricanes in the US. There is an affordable way to protect your insured home in these states with strategic reinforcement of its’ weakest areas.

Reinforce Doors and Windows

In Miami Beach, FL, hurricanes ca gain a foothold in destroying homes when they can blow in a flimsy garage door. This is an access point that can begin water damage and destroy an entire house. First line of defense against hurricane damage is to reinforce or replace a flimsy garage door. Check in with your Assure-Us insurance agent to see if this upgrade or new purchase allows an insurance credit for your home insurance premiums.

A tornado ranking 5 on the enhanced Fujita scale will be devastating to any home in its’ path, but for lesser tornadoes, hurricanes, and severe weather storms you can prepare against damages before the storm hits. The Federal Emergency Management Agency (FEMA), has seen enough storm damage to document which products work and what does not.

Safest and Affordable Protection

In-residence shelters in Miami Beach, FL are safer than independently standing shelters. They can be built stronger and are more affordable. Underground safe rooms are better than shelters where families must go outside to enter during a storm. It’s not so much the wind force that will injure a person, as what the wind has picked up and is hurling toward you.

The Debris Impact Facility located at the Texas Tech University tests building materials, debris-resistant doors and windows, shelter components, and shelter structures. The testing of doors able to withstand severe storms include storm doors tested to stand up against a 15-pound 2" X 4" and 12′ long. Two-hundred-fifty mile-per-hour winds will turn lumber into a 100-mph missile.

Preparing Your Home for Emergencies

No one ever wants an emergency situation to happen to them in their home but that never stops it from happening. Sometimes you know something is about to happen and other times it comes out of nowhere. In Miami Beach, FL, you need to protect your home and the people in it in the event of an emergency by putting together an emergency kit. If you do not already have one in your home, use this list from Assure-Us to get you started:

  • Food. You need to have plenty of food in your home in case you are stranded there. You should have a supply of at least three days of food for each person who is living in the home. Consider getting non-perishable food as well as food you do not have to cook. 
  • Water. Water is another thing to get in case you cannot leave the home for some time. You need to have at least a gallon per person per day. As a rule, you should have at least a three-day supply of water.
  • A first aid kit. Having a first aid kit available can help you take care of minor injuries even if you cannot leave the home. You can purchase one at your local grocery store that is completely put together.

In addition to the emergency kit for your home, you should also always have a great home insurance policy to protect you, your home, and your finances. If you do not have one in place, be sure to contact Assure-Us, serving Miami Beach, FL, for a free quote. They can also take a look at your current policy, if you have one, to ensure that you are not paying too much or that you do not have any gaps in coverage. 

Our Insurance Partners

  • Ascendent
  • Atlantic
  • Bristol
  • Capitol
  • Federated National Insurance
  • Fidelity
  • Florida Peninsula
  • Gainsco
  • GMAC National General
  • Homeowners Choice
  • Infinity
  • Mendota
  • Mercury
  • Olympus
  • Progressive
  • Safe Point
  • Southern Oak
  • Towerhill
  • Travelers
  • United Auto
  • United Heritage
  • Universal Property
  • Universal Property Casualty
  • Weston
  • Windhaven