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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. 

What is the Minimum Coverage for Auto in Miami Beach Area?

Different states have different requirements for the state minimum of auto insurance coverage. The minimum requirement to obtain a Florida license plate in Miami Beach, FL is $10,000 personal injury protection and $10,000 property damage liability. To determine if more coverage is needed, one must understand what Miami Beach, FL minimums include.

The personal injury protection insurance, or Florida No Fault Insurance, covers you regardless of fault, up to the limits of your policy. That also covers children, members of one’s household, and certain passengers, who lack PIP insurance, as long as they do not own a vehicle. Personal injury protection covers people even when they are not in their vehicle. It even covers your children if they are injured on a school bus. There is also bodily injury liability insurance. That pays for serious and permanent injury or death to others when you cause a crash that involves your vehicle. Even when driving someone else’s vehicle, you are covered, and it covers others who drive your vehicle with permission.

There is also property damage liability insurance that pays for damages you or your members of your family cause to other people’s property in a crash that involves a motor vehicle. Every state has the minimum coverage that is needed to drive a vehicle, but that does not mean one should stop there. There are other great coverages that can be added to your policy that will help to cover you in other situations, and that will make the out of pocket amount less. In the end, it is always better to be safe than sorry.    

Tips for Taking Care of the Concrete In Your Garage

When it comes to taking care of a home, many people often fail to realize the importance of taking care of the garage. The garage, however, is a very valuable part of the home, providing ample space for storage as well as recreational activities, such as shooting pool or throwing darts. Whether your garage concrete floor has been painted over with epoxy or you’ve never even sealed it, it is imperative to keep it as clean as possible. Not only will this help it to look better, but it will increase its longevity. Here is a close look at three tips for taking care of your concrete floor in your garage. 

Tip #1: Apply a commercial-grade floor wax

If your garage concrete floor has not been sealed, it needs to be, and it is highly recommended to cover it with a commercial-grade floor wax. This type of wax is easy to reapply as needed and will keep your garage floor looking its best. 

Tip #2: Put down floor mats or rugs

Are there certain areas of your garage that tend to endure heavy amounts of traffic? If so, you should put down rugs or mats in these areas to help protect the concrete. You can even put down an old piece of carpet to park your car on; this helps prevent oil or other liquids from your car from dripping onto the concrete. 

Tip #3: Sweep regularly

One of the easiest ways to keep your garage floor looking its best is by sweeping it on a regular basis. Ideally, you will want to sweep it daily, but if you can’t, at least once a week is highly advised. 

To learn more about taking care of your garage as well as to learn about proper home insurance, contact Assure-Us serving the Miami Beach, FL area. 


Things to do Around the House Before Winter

In Miami Beach, FL, the weather is starting to get cooler and fall is in the air. With winter quickly approaching, it is not all fun and games if you want to prep your home for the colder months. Use these tips from Assure-Us to make sure your home is ready for winter.

  • Get your heater checked. Even though you may not use your heater much in Florida, there may be a cold snap or two. You do not want to turn on your heater just to find out there is an issue and you have to get it repaired. Before you need it this winter, have an electrician come out and perform some maintenance. It is better to have this checked on before it gets cold. While you are at it, you may even want to change your air filters. 
  • Clean out your gutters. During the fall, there are lots of leaves that fall to the ground. These leaves can easily get into your gutters and clog them up. Once all of the leaves have fallen, you should clean out your gutters so they can continue to work properly. When they are clogged, you will not have the proper drainage and it can cause some big issues later such as roof problems, leaks, and more. 
  • Get a great home insurance policy. The best way to protect you home all year long is with a great insurance policy. If you do not have one already, you should take the time to get one now. A great home insurance policy can protect you from countless things and it is always a good idea to protect your biggest investment.

Contact Assure-Us, serving Miami Beach, FL, today to get a free quote and explore your options. We will even take a look at your current home insurance policy to ensure you do not have any gaps in coverage. 

Fall Chores in the Sunshine State

Winter chores across the nation can vary greatly. Clearly people in the sunshine state do not need to worry about salt for the snow, or chains for their tires. However there is a list of things that people who live in the south do need to consider when it comes to preparing for the winter months. Miami is a lovely place to live, and Assure-Us can keep you covered when it comes to any insurance you need for your home car or life.

3 Fall Chores to Prepare for Winter in the Sunshine State

  1. Plant your fall garden. People in the sunshine state know that there is not a season when there are not gardening chores. Whether you have a vegetable garden or an array of decorative plants various things grow year round even in the areas of the state that freeze. Miami can grow tomatoes and other vegetables all year.
  2. Check your roof, shutters, and windows for leaks or drafts. Any water leakage can cause extensive damage in a short amount of time. Most people whether they stay in Miami year round or just in the winter have their roofs check in the fall after hurricane season calms down, to assess any damage right away when it is hard to detect.
  3. Call your insurance company to make sure you are fully covered no matter what winter brings. In Miami home insurance coverage often has to be written on a case by case basis to include all of the factors that may effect that particular home. For example is it in a flood zone, will their be renters, and will there be certain pets, are all questions that can effect the insurance policy.

Contact Assure-Us Insurance agency this fall to prepare for anything winter may bring. Because when it comes to living in the sunshine state those sunny days may brighten the mood each and every season but being prepared for the rain means sleeping well every night.


Assure-Us A Guide to Purchasing RV Insurance

RV insurance is a required insurance- by law- across the United States for any driver that owns or rents an RV vehicle. However, there are guidelines that will have to be followed to ensure that you are purchasing the proper type of protection according to your RV vehicle classification (Class A, Class B or Class C) and that you are fully covered from liability in the case that you are in an accident in your RV. There are also different insurance considerations if you live in your motor home full time. 

In Florida, the minimum amount of insurance that must be purchased for an RV is liability insurance, which will insure the driver against fault for personal injury or property damage claims, as well as death. In Florida, a minimum policy would include up to $10,000 for personal injury protection as well as $10,000 in property damage. However, if there is a claim in place that would exceed those amounts, you would be liable to pay the difference- not your insurance carrier. Often, in the case of a major accident, medical claims alone can exceed those amounts.

If you are found to be at fault in an accident, you are liable for all medical bills associated with injuries that are sustained by the other party. If you are unable to pay and don’t have the coverage in place to cover those additional expenses, you are at risk of losing your license until the medical expenses have been paid. Having additional insurance in place is a smart move to circumvent running into these problems in the future. Probably the most recommended additional insurance coverage is Bodily Injury Liability. This insurance will cover any drivers or passengers that are injured, even if the accident is your fault. This additional coverage will also help in paying for legal fees if you are being sued.


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