I just paid off my late model car. Should I continue to carry full coverage auto insurance?

Posted on March 28, 2023March 28, 2023 by agentinsure

All states require drivers to carry the state minimum auto insurance coverage. The coverage levels may vary from state to state. However, all drivers must carry auto liability insurance to drive or operate their vehicles legally. Our team at Assure-Us is dedicated to helping Miami Beach, FL drivers understand and explore their insurance options and legal requirements.

State Auto Insurance Requirements

Florida requires that all drivers carry auto liability insurance that includes a minimum of $10,000 for personal injury protection and $10,000 for property damage liability coverage. All drivers must have this form of auto insurance before they can legally drive in the state of Florida.

I just paid off my late-model car. Should I continue to carry full auto insurance coverage?

Once you pay off your auto loan, you are no longer required to carry full insurance coverage. However, according to Florida state law, you are still required to carry auto liability insurance. Also, you may want to consider whether or not liability insurance is enough for you, especially if you have a late-model car. If your vehicle’s repair is too expensive to pay out of pocket, it may be best to carry more than liability coverage.

For the most part, the value or potential payout for your late model car is probably greater than the cost of your full coverage auto insurance. If this is the case, auto insurance is beneficial for you. Typically, full coverage auto insurance is usually not as beneficial when the payout or cost of your totaled car is equal to or less than your insurance premium. This is another way to determine if full auto insurance coverage would be beneficial for you. If you have questions about auto insurance, we can help. Call us. We’re standing by.

Do I Need Additional Insurance to Drive My RV in Mexico or Canada?

Posted on February 21, 2023February 22, 2023 by agentinsure

Are you planning to take your RV on a road trip to Mexico or Canada? It’s important to know that the insurance you have for your RV may not be enough. Different countries have different regulations regarding RV insurance, and depending on your destination, you may need additional coverage from Assure-Us. You should check with your current policy to see if it covers trips out of the country before you leave Miami Beach, FL. Your policy may include this coverage, but if it doesn’t, we can help you get any additional insurance needed for any international travel.

What Kind of Coverage Do You Need?

In addition to liability coverage, which most policies usually provide, you may also want to consider getting coverage for damages caused by an accident and protection against theft or vandalism. Depending on where you’re traveling, the country may require insurance add-ons for you to drive legally. For instance, some Mexican states require visitors who drive vehicles over ten years old to carry specific liability coverage before entering the country. In Canada, you may need a temporary policy from an insurance company with Canadian permits. We can help you with all this, so don’t worry if it sounds confusing.

How Can Assure-Us Help?

We specialize in helping Miami Beach, FL, drivers find the right RV insurance for their travels abroad. We can provide customized quotes and help explain exactly what kind of coverage is needed for international trips. We understand that figuring out what type of coverage is necessary for international travel can be confusing, so let us help make it easier!

How is Condo Insurance Different from Home Insurance?

Posted on January 26, 2023January 26, 2023 by agentinsure

If you are a homeowner or a condo owner, you need insurance to cover your home. You might wonder why you need different insurance if you own a condo. Isn’t home insurance enough to cover it? What is the difference between condo and home insurance? Isn’t it the same thing? Not quite. Here, we will discuss the main differences between the two.

How is condo insurance different from home insurance?

Liability coverage

Liability insurance for homeowners covers the entire property inside and outside. Liability coverage will cover any accident on the property inside and outside the home. Condo owners are only responsible for covering what happens on the inside. If an accident occurs on the inside, your liability insurance will cover it. If anything happens on the outside, then your insurance is not responsible for it.

Dwelling coverage

A homeowner needs dwelling insurance to cover the whole inside and outside structure against damage. Since the condo owner only owns the inside of the dwelling, they only need enough insurance to cover the inner part.

Loss assessment coverage

Homeowners only need loss assessment coverage if they live in a community with an HOA with shared common areas. Condos are almost always part of a community with an HOA, so they need loss assessment coverage to cover any regions shared in the community.

Personal property protection coverage

Condo insurance and home insurance are both similar when it comes to personal property protection. Whether you live in a condo or are a homeowner, personal property protection covers your belongings.

Contact us

For more information, contact us at Assure-Us in Miami Beach, FL.

Three Great Boat Maintenance Tips

Posted on December 19, 2022December 19, 2022 by agentinsure

Boats, especially in salt water, need a lot of maintenance to ride the waves. Here are three tips to ensure your boat doesn’t become a one-way submarine. Your friends at Assure-Us, serving Miami Beach, FL, want to remind you that a small amount of maintenance today could save hundreds in boat repairs tomorrow.

Clean your boat thoroughly once a year

Every year, ensure your boat has been washed of corrosive seawater and brought up on dry land to inspect it. Marine life still makes its home on the bottom of boats and can ruin the hydrodynamic performance of your hull – or worse, ruin your hull itself. It can be expensive to get rid of an infestation. Take care of it early for carefree boating.

Flush your engine regularly.

Marine engines are water-cooled. Your boat is always surrounded by water. But water cooling also means you have to flush your engine after every sail to ensure that seawater can’t turn your expensive boat into an even more costly lawn decoration. Every time you bring your boat back into the harbor, be sure to flush your engine according to the instructions from the dealer that sold it to you.

Use safe cleaning products.

For a first-time boat owner used to the simplicity of doing routine maintenance on your home, the temptation may be to bring the same chemicals you use to clean your bathroom to clean the bathroom on your boat. But these chemicals – safe as they are for home use – may not meet the EPA’s requirements for marine use. Make sure you use approved, secure, and biodegradable boat cleansers.

Call or visit Assure-Us today in Miami Beach, FL for a free, no-obligation boat insurance quote.

Should College Students Obtain Renters Insurance?

Posted on November 27, 2022November 27, 2022 by agentinsure

Tenants in the Miami Beach, FL area are not responsible for obtaining renters insurance under the law. Still, it’s an investment against financial loss that many students choose to make while in college. In addition, it is not uncommon for a landlord to compel a renter to purchase a policy.

This is because a landlord’s policy will cover the four walls and the exterior of the building but not your interests. College students living in a dorm typically have expensive belongings, including electronics, such as laptops, tablets, and cell phones, and textbooks that are costly to replace.

These can be damaged if there is a fire, and smoke damage can also wreak havoc. Sprinkler systems activated during a fire can ruin personal effects as well.

Items can be stolen or affected by vandalism, and natural disasters, such as hurricanes, violent storms, or tornadoes, can damage the contents of your home.

Accidents can happen, and this can be the case on any college campus. Any time young people get together while on their own for the first time, they may not realize hazards are apparent until it’s too late. As such, they may be at fault when someone slips and falls or otherwise hurts them in an accident.

This can leave a renter responsible for medical bills or lost wages associated with an injury. In addition, the injured party may sue. Your Assure-Us representative can give you specific ways renters insurance can help in a particular situation.

We Can Help You

Assure-Us provides quality insurance products and services to Miami Beach, FL’s clientele. We look forward to serving you and invite you to contact us online, by phone, or by stopping in the office.

Motorcycle safety: Five tips for riding in Florida

Posted on October 27, 2022October 27, 2022 by agentinsure

Whether you’re cruising down Ocean Drive or taking a day trip up to Lake Okeechobee, there are endless opportunities to ride in Miami Beach, FL. Motorcycle insurance has you covered all year long.

Yet, while these policies focus on protection, nothing can replace prevention.

That’s why it’s so critical to remain vigilant on the roadways. Distracted driving and speeding pose the biggest threat. Luckily, Assure-Us can help. Located in Miami Beach, FL, their experienced agents share five defensive driving tips to help keep all motorcycle riders safe.

Suit up

Think function over fashion. Piece together an outfit that offers protection first and foremost. Helmets, eyewear, and gloves are essential. Opt for long sleeves and pants for an added layer of coverage against wind and debris.

Be visible

It’s already hard to spot oncoming motorcycles. Boost visibility by wearing reflective, bright-colored clothing. Routinely check all headlights, horns, and turn signals before riding.

Increase space

Adding extra distance between you and other motorists makes you more noticeable too. Don’t tailgate, and avoid blind spots. Or you can find a less-traveled road altogether. Fewer drivers on the road mean fewer potential threats.

Pass cautiously

Improper lane switching, overtaking, and passing are the leading causes of motorcycle accidents. Never pass on corners, curves, or without using signals. Additionally, be mindful of other cars ahead of you.

Improve skills

Practice is key. Experience breeds comfortability. So get out and ride in safe, controlled environments. New riders will benefit from finding a local training or safety program.

Contact Assure-Us

Although some accidents may be unavoidable, there are ways you can minimize your risk. That’s why Assure-Us makes safety their top priority. Serving Miami Beach, FL, our team can craft an individualized motorcycle insurance plan that keeps you protected. Schedule an appointment today.

Is Flood Insurance Separate from Home Coverage in Miami, FL?

Posted on September 26, 2022September 26, 2022 by agentinsure

Flood insurance is separate from home insurance in and around Miami Beach, FL. This insurance is required to purchase a home in the state’s flood-prone areas.

Are Any Floods Covered With Home Insurance?

Home insurance policies cover certain flood situations. For instance, water damage due to a broken pipe. In some cases, they could pay for issues related to tornadoes, hurricanes, or other wind-related conditions that cause property damage.

However, floods caused by nearby overflowing tributaries aren’t handled in a standard home policy. Therefore, homeowners in Miami Beach, FL must purchase flood insurance.

Can You Purchase a Home Without Flood Insurance?

You can purchase a home without flood insurance. Yet, you can’t close on the mortgage if you don’t have a policy. In many agreements, evidence of flood and home insurance is required to move forward.

How do I Know How Much Insurance to Get?

Work with your local insurance company to determine the value of your flood insurance policy. They will examine factors that include your property’s square footage, its vicinity to water tributaries, and the history of flood damage in the area. They’ll determine the proper amount of underwriting from these data points.

Don’t undervalue your flood insurance. In other words, don’t try to save money by lowering the coverage amount. Insurance companies come up with those numbers to provide an adequate payout for your home’s interior, exterior, and furnishings.

There’s much to consider when selecting a flood insurance policy. Don’t go it alone and risk undervaluing your home. Reach out to a subject matter expert at Assure-Us to get your questions answered.

Do You Need Commercial Insurance for Your Business?

Posted on August 29, 2022August 29, 2022 by agentinsure

When it comes to insuring your business, there is no one-size-fits-all solution. The type of insurance you need will depend on the nature of your business, the size of your operation, and the products or services you offer. However, in most cases, commercial insurance is a wise investment. If you’re not sure whether commercial insurance is right for your business, consider these benefits.

1. It Can Protect Your Business From Liability

Did you know that your business could be liable for damages even if you didn’t do anything wrong? If a customer is injured on your property or a product you sell causes harm, you could be sued. Commercial insurance can help cover these costs, protecting your business from financial ruin.

2. It Can Help with Compliance

Certain types of businesses are required by law to carry certain types of insurance. For example, many business owners are required to have workers’ compensation insurance. If you’re unsure what kind of insurance your business requires, an insurance agent can help you determine which policies you need.

3. It Can Give You Peace of Mind

Running a business is stressful enough without having to worry about the financial consequences of an accident or lawsuit. Commercial insurance can give you peace of mind, knowing that your business is protected in case of a covered incident.

4. It Can Help You Get Back on Your Feet After a setback

No business is immune to the occasional setback, whether damage from a fire or theft. If your business is forced to close its doors, commercial insurance can help you cover the costs of repairs or replacement inventory, getting you back on your feet as quickly as possible.

If you’re not sure whether commercial insurance is right for your business in Miami Beach, FL, Assure-Us can help. We offer a free consultation to discuss your business needs and help you determine which policies are right for you. Contact us today to get started.

How Home Insurance Protects You

Posted on July 29, 2022July 29, 2022 by agentinsure

As a homeowner, you must have home insurance to protect yourself and your home. Home insurance offers several kinds of protection, each important for protecting your financial future. As long as you own your home, it would help if you had this insurance protection. If you need home insurance, call Assure-Us in Miami Beach, FL to get started.

Coverage for Your Dwelling

The home itself needs protection because there are so many risks that exist. A wide range of damaging incidents can happen to your home that can cause a lot of damage. When you don’t have home insurance, all that damage is yours to pay to repair. This can cost tens of thousands or even more. When you have home insurance, those repairs are paid for by the policy to protect your finances.

Protection for What You Own

Everything you own is likely inside your house, and home insurance protects it. With a home policy, all of your possessions in the home are covered. When a damaging event that is covered by your policy happens and your things are destroyed, you can get them replaced by the policy. Next to your house, your belongings are likely your most significant investment, which needs protection.

Liability Protection

As a homeowner, you are responsible for what happens inside your home. If someone were to enter your home and become injured in an accident, you are likely liable for the medical bills due. With home insurance, those bills can be paid by your policy instead of by your pocket.

Get Home Insurance Today

If you need a home insurance policy, call us at Assure-Us in Miami Beach, FL.

Why should someone get auto insurance in Florida?

Posted on June 23, 2022June 22, 2022 by agentinsure

The Miami Beach, FL area is full of fun and existing recreational amenities. To ensure that you can efficiently enjoy all this part of Florida offers, it would be ideal for you to own a car. An auto insurance plan is crucial if you want to own a car. There are a few reasons why someone in this part of the state will need to have this coverage.

Comply with State Liability Requirements

A reason that many in this part of the state will want to have an auto plan is so they can comply with requirements surrounding liability insurance. Anyone that wants to drive a car on the road in Florida will have to be insured with liability coverage. This insurance provides assurances that you will be able to cover any damage that could be caused in an accident. Without the coverage, you would be unprotected and violate state driving laws.

Protect Vehicle

It is also a good idea for someone to get an auto plan to protect their vehicle. When you purchase a car in this part of Florida, you will want to be able to use it for a long time. A great way to ensure this happens is by getting the proper coverage. With a full plan, you will be protected against various risks that would otherwise result in a loss.

Having the right insurance plan for your car in the Miami Beach, FL area is quite important. If you would like to start looking for a new plan in this part of Florida, it would be helpful for you to call the team with Assure-Us. Many vital choices come with selecting an auto plan, and Assure-Us will give you the help needed to choose a policy ideal for your situation.

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