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Assure-Us

1880 NE 163rd St
North Miami Beach, FL 33162

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Does Auto Insurance Change In Your Golden Years?

Miami Beach, FL your golden years is a great time to reflect on what is important and what can easily be discarded. This is not only true with items related to your personal life it is also true about your insurance needs. As you get older, your driving responsibilities will change. It is a natural part of life. Our staff at Assure-Us is sensitive to your unique situation and the changes that occur over your driving career. 

Some customers continue to drive in their golden years because they are still working or are they simply enjoy the experience of being on the open road. Others may feel more cautious about driving in certain weather conditions or at certain times of the day or night.  Belonging to certain associations or clubs may also have an effect on your auto insurance rates and coverages. You may also want to take advantage of the perks of a defensive driving course or another department of motor vehicle sponsored classes or education modules. All of these new facets interact with your auto insurance status. The answer to the question is “yes”, just like the other changes that are occurring in your life as you enter and live out your golden years your auto insurance needs will change.

Assure-Us is located at 1880 NE 163rd. St. North Miami Beach, FL 33162.  At our agency, you are assured to receive a comprehensive analysis of your auto insurance needs.  Stop in today to experience the kind, professional service that we deliver. We can also help you with your home, boat or watercraft, commercial, condo, flood, motorcycle, renters and RV insurance needs. It is a better idea to handle everything in one place and because we work with different carriers we will be able to give you great rates and quality coverage.

RV Insurance: Are You Covered For Summer?

The sun is shining, the temperature is getting warmer, and you’re ready to make good use of your family’s Miami Beach, FL RV. Before you hit the road, it’s important to make sure you have the insurance coverage you need. Let’s talk about what you need to look for in an RV insurance policy to ensure that you’re fully protected. At Assure-Us insurance, serving Miami Beach.

Tow Vs. Drive

It’s important to consider the laws in your state when it comes to your RV insurance needs. Whether you tow or drive your recreational vehicle, it’s important that you have insurance to cover your liability in the case of an accident. In most states, insurance is only required for vehicles that you drive. No matter what type of RV you have, talk with your insurance agent about the coverage that makes the most sense in your area. 

Cover the "R" and the "V"

You’ll want to make sure both the recreational aspects and the driving aspects of your RV are covered. This means that you have full coverage if something happens while you’re driving your RV, as well as coverage for any damage that occurs at your campsite.

Full-Time Vs. Part Time

Consider how much time you spend in your RV when you’re choosing the type of coverage that makes the most sense for you. If you live in your RV for much of the year, you’ll need full-time RV coverage. If you only use your RV occasionally (such as for vacations), part-time insurance makes more sense for you. 

Call Assure-Us, Serving Miami Beach, FL

Ready to hit the road in your RV this summer? Call Assure-Us, serving Miami Beach, FL, to make sure you have the RV insurance coverage you need. 

Why Do I Need Condo Insurance?

Purchasing a new home means that you need to have a homeowner’s insurance policy in place to protect the home.  Condo owners, however, often express some confusion about what their insurance needs are.  Most falsely assume that the condo association’s insurance coverage also protects their unit.  People in rental apartments need to have renter’s insurance in place to protect their personal belongs should they be damaged or destroyed in a fire or weather event.  The same holds true to condo owners.  While they fall somewhere between a house and an apartment, condo owners need to have insurance.  If the condo is financed, the lender may require that insurance is purchased.  The team at Assure-Us understands condo insurance and can help protect this valuable asset.  They regularly work with condo owners in the Miami Beach, FL area to put the right insurance policies in place. 

In general, most condo associations have a master policy to protect the physical structure or the outer walls.  It may cover the grounds and common areas with their amenities and furniture.  The type of policies and coverage amounts varies so condo owners need to understand what their association specifically covers.  They also can change their coverage so stay up-to-date on any changes that could affect your personal coverage.  The policies used most often by condo associations are called “walls in” and “walls out”.  When it is defined as a “walls out”, that means everything outside of a personal unit is covered.  A “walls in” policy does cover some fixtures within-person units but not any of the upgrades an owner makes.  Neither of these policies will cover any of your personal items, electronics or furniture.

Get the information from your condo association about the type and amount of insurance coverage they carry.  Then come see the agents as Assure-Us in the Miami Beach, FL area.  With information about the master condo policy, they can get you the right coverage for your situation.  Don’t wait until a disaster happens to discover that you have coverage gaps.  Call or visit them today for the right insurance for your condo. 

Does My Boat Insurance Policy Cover Accidents If Someone Else Is Driving?

Ordinarily, carrying a boat insurance policy should be enough to ensure that you’ll be covered if an accident were to happen to your boat while you were driving on Miami Beach, FL waterways, but what if someone else borrows your boat and gets in a collision? If a family member or friend happens to be behind the wheel of your boat when an accident occurs, you’re not going to be covered – you’ll be liable for damages and any injuries that result. Boat-borrowing, or letting someone else take the wheel is a tempting concept that can become a tricky situation that your standard policy just won’t cover. 

Your first priority should be safety and protection from liability, which will require both standard boat liability coverage as well as an umbrella policy to take care of any coverage gaps. If you plan on letting someone drive your boat, or there is a chance they will borrow it on their own, make sure all of your bases are protected. Here’s what you need to know from the experts at Assure-Us about your insurance needs if others drive your boat: 

Standard Liability Coverage 

Unlike automobile insurance laws, carrying boat insurance is not required by law in Miami Beach, FL. However, it’s definitely a good idea to have a basic boat liability policy to cover you against physical damage to your boat or items on board and to cover you and passengers from injury. Your basic boat liability policy will also cover damage to other boats, piers or docks. Depending on your policy, you’ll also receive coverage in the event of fire, theft or bad weather. 

Why You Need An Umbrella Policy 

It is important to remember that your basic liability policy will not cover you if someone borrows your boat, meaning that you’ll be held liable in court for any damages caused when someone other than you operates your boat. Your umbrella policy will cover you, family members and friends who might borrow your boat. This policy will provide temporary boat insurance to individuals you allow to operate your boat who are not on your standard boat policy, filling any gaps in coverage.   

For more information about how to protect yourself while enjoying your boating experience, contact the insurance experts at Assure-Us today. 

Renters Insurance in Miami, Florida

Those having a part-time stay in a different location than their residence might want to get renters insurance.  The smartness is to consider how the insurance can be a comfortable purchase.  Having the insurance is nicer as you plan to stay for a certain amount of time.  There is a nice renters insurance in Miami Beach, Florida for those staying part-time.  It is also smart to know that you can get more information with a simple phone call. 

Renters insurance is commonly purchased if using a condo, home, or apartment.  Those that purchase this are often knowing they have insurance to cover their belongings.  The renters insurance is available in Miami Beach FL with Assure-Us.  The provider is able to answer your questions about insurance while giving you additional information.  You might want to discuss what belongings you own with the company.  Make the call when you want to discuss what the coverages include and when the insurance starts.

Miami Beach is a nice place to visit.  The renters there are understanding that they can easily discuss which belongings can be insured.  It is also nice to see if the owners of the places they are staying at require renters insurance.  The renter policy can be purchased with a simple call.  The nice conversation you have with the company can help you prepare for your trip or know it is taken care of as you are there already.  Renters insurance is nice in Miami Beach, FL with Assure-Us.  The phone call is simple and going through the details is nice with this company.  The time you spend in this location can be so nice and having a discussion about renters policies will help you know what to pack and take with you on your trip. 

How do your state’s auto insurance claims work?

Responsible drivers in any city of beautiful Florida will usually never have a hard time getting accepted for the type of auto insurance coverage they seek, be it all – inclusive or just the basic minimal required by federal law. The state’s packed to the brim with great plans and rates, and discounts for older, more bundled and even safer, proven drivers, in turn. Florida rewards its best drivers with such privileges, and a few places where such rating factors will apply — in order to determine the final price and extensiveness of the coverage one can get while driving in this lovely state — lie in having great credit, a history of no traffic tickets, and no notable accidents of any kind, not even minor. Furthermore, those in Miami and other cities, who hold not a single traffic ticket on their driver’s record, can get away with saving an estimated 22.49 % (or $523) off their total insurance. In addition, those with zero accidents will save 27.16 %, which equates to about $672. 

Also, drivers with good to excellent credit can even expect to save another 48.02 % or $1,700. These figures are taken on an annual savings basis. This is how much you might expect to save every year, should one or more of the following apply to your situation.

Moreover, as you can imagine, this will greatly affect your claims process as a whole, and only in a positive manner. Auto insurance providers tend to reward safe, responsible, conscious drivers who love to save money. And they value their business, as such. And holding a good record will also assist your credibility in future claims.

Assure-Us serves insurance consumers in Miami Beach, FL and more. Check them out now. You might find what you’re looking for. Explore. 

How Will Flood Insurance Benefit Me?

Your home is the biggest asset that you will ever own. Most people are fully aware that they need to have their home properly covered by insurance. However, in many situations the standard home insurance policy may not be enough and additional flood coverage could be a good option. Getting flood insurance on your home could be beneficial a number of different ways.

Protect Your Investment

Depending on where you live, the risk of the flood may not be covered by a base home insurance policy and the amount of damage caused by a big flood can be significant. Because of this, you need to make sure that your home is covered by the risk of flood. Having flood insurance will be able to provide you with this financial protection and give you peace of mind that you will be covered during the unlikely occurrence of a flood. 

Ensures Compliance

Another reason why you should have flood insurance is that it will help to ensure compliance with your mortgage lender. If you live in an area that comes with higher flood risk, you could be required by your lender to carry flood insurance at all times. In fact, many lenders will require that you escrow for it on a monthly basis. If you ever have a lapse in your coverage, it could lead to a violation of your mortgage. 

If you are in an area that is prone to floods, such as Miami Beach, FL, you should reach out to the team at Assure-Us. When you work with the team at Assure-Us, you can gain more insight into what your flood insurance needs are. The team will then help to ensure that you are properly covered from any damage associated with a flood at your property. 

Commercial Insurance for Professional Businesses

Professional businesses in Florida are those that need a license from the state to operate and where the workers in the business may also need to have a license.

Some examples of professional businesses that need specialized commercial insurance include:

  • Healthcare Professionals: Doctor, nurses, dentists, pharmacists, optometrists, licensed assistants, and the facilities, stores, offices, and clinics where they work.
  • Legal Professionals: Attorneys and the firms where they work.
  • Personal Care Workers: Beauticians, cosmetologists, massage therapists, and the stores, spas, and clinics where they work.
  • Business Professionals: Stockbrokers, accountants, CPAs, tax preparers, financial advisors, real estate agents, insurance agents, and the companies where they work.

Types of Commercial Insurance for Professionals

Your agent at Assure-Us serving Miami Beach, FL can help professionals get adequate coverage. Professionals, like other businesses, need general liability coverage for the business and worker’s compensation insurance for their employees. They need “property and casualty” (P&C) coverage for the premises. They need commercial insurance coverage for any vehicles used in the business.

In addition to these standard business policies that almost every business needs, professionals need additional, specialized insurance for professional liability. Most professionals also benefit from having umbrella insurance for added protection against lawsuits.

For healthcare workers, professional liability insurance is also called malpractice insurance. For business professionals, this insurance is often called “errors and omissions” (E&O) insurance.

Legal Requirements under Florida Law

Some professionals are required by Florida law to carry insurance that meets state-mandated minimum requirements. These limits are very low. As of 2018, for regular doctors practicing in Florida, the law requires $100,000 per incident and $300,000 in total malpractice coverage. For hospital doctors, these limits increase to a minimum of $250,000 per incident and $750,000 in total coverage.

Check with your agent for legal requirements for your profession. For their own protection, most professionals carry commercial insurance coverage that is much greater than any minimums required by law.

Conduct a commercial insurance review with your agent at Assure-Us in Miami Beach, FL to make sure your professional insurance coverage is adequate.

If You Live in Miami You Need a Home Insurance Review Now More Than Ever

Miami is subject to tropical storms, hurricanes, and a predicted rise in the ocean levels that is continuing. Homeowners may risk having a catastrophic loss, which is not covered by their home insurance if they do not understand the details of their insurance policy.

Here are some tips about what to consider when conducting an insurance review along with your agent at Assure-Us, serving Miami Beach, FL and the Miami metro area.

Understand the Policy Limits

There is an overall policy limit, which should be enough to cover the replacement cost of the entire home if it is completely destroyed. Be aware that rebuilding a home after a wide area has been impacted by a natural disaster is much more expensive due to the high demand for construction services.

In some policies, there may also be sub-limits. A sub-limit creates a limit on the coverage for certain kinds of claims. Be sure to discuss any policy sub-limits with your agent because they are much lower than the total coverage limit.

Understand the Terminology

The meanings of the words and the specific definitions in an insurance policy are critically important. Disputes have come up over the terms used to describe coverage. For example, damage from hurricanes due to high winds is different from damage to a home caused by storm surges.

Evaluate the Financial Strength of the Insurance Underwriter

A natural disaster may cause billions of dollars in insurance claims that might exceed the insurance company’s ability to pay all the claims. Insurance coverage is only as strong as the financial capacity of the insurance underwriter that stands behind the policy.

Summary

Now, more than ever, it is a critical time for homeowners in the Miami metro area to work with their agent at Assure-Us in Miami Beach, FL to make sure their home insurance coverage is adequate.

The Benefits of Paying Your Auto Insurance Premium All at Once

Are you considering paying off your car insurance in Miami Beach, FL quickly? Maybe you are not aware of all of the benefits associated with doing so. Read on to learn why it is ideal to pay this off as soon as possible.

When you buy auto insurance, you are basically ensuring that you will have protection in the instance that you are involved in an accident, or if some type of damage occurs to your vehicle. It is in your best interest to pay it early so that you reduce the chances of missing payments. This is especially important if you are someone who works a lot and otherwise leads a busy life. Since your insurance is likely to be canceled right away upon a missed payment, you do not want to risk this happening.

If you are in a position to cover your entire six months or one year worth of payments all at once, you should do so. You can save money, because the majority of insurance agencies will offer discounted costs for people who are willing to do this. This way, they will not have to worry about accounts receiveable and can pass on these savings to the customer.

If you are wondering if this is the best idea for you, talk to your insurance carrier when you are about to sign off on your premium. It is important to talk to a reputable company, like Assure-Us. If you are ready to start this process, give the professionals at Assure-Us a call right away to discuss the benefits associated with paying your entire auto insurance early.

 

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