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Assure-Us

1880 NE 163rd St
North Miami Beach, FL 33162

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What is included with an auto insurance policy in Florida?

When you live in the Miami Beach, FL area, there are many great things to do nearby and further away. To ensure that you are able to do as many of these activities as possible, you should consider getting a car. When you are a car owner in this area, you need to make sure that you get a proper auto insurance policy. This form of insurance will provide you many forms of coverage to provide great overall protection

Property Protection

One of the advantages of an auto insurance policy is that it can provide you with coverage for your car. When you own your own car, it is important to protect it as much as you can. The best way to do this is by getting comprehensive and collision auto insurance coverage. This will ensure that you have coverage for theft, auto damage, and other issues that could result in a loss.

Liability Protection

You should also get an auto insurance policy to get liability protection. Car drivers are always going to be at risk of causing an accident. To ensure that you are able to pay for restitution, it is important that you get liability insurance. This could help to drastically reduce your out of pocket expenses if you are found at fault. 

For a lot of people, choosing an auto insurance policy in the Miami Beach, FL area can be confusing and challenging. To ensure that you are able to get into the best policy based on your situation, you should call Assure-Us. When you work with Assure-Us to determine your auto insurance needs, you are going to receive more guidance and personalized support, which will ensure all of your risks are as mitigated as well as possible. 

Three things you might not be aware of regarding RV insurance

If you own an RV, you need to find an insurance policy from an insurance provider like Assure-Us to cover your liabilities. There are a few things that it’s important to know about RV insurance when you’re in the process of purchasing a policy in Miami Beach, FL. 

The following are three things you might not be aware of regarding RV insurance. 

There are three classifications of RVs to be aware of for insurance purposes.

RV insurance policies are generally specific to the type of RV being insured. The three main types of RV are Class A, Class B, and Class C motorhomes. These classifications specify the size of the RV in question.

Class B motorhomes are generally the smallest and commonly refer to what’s known as "camper vans". Class A is the largest classification of a motor home or RV. 

You need to choose between full-time and recreational RV coverage. 

Providers of RV insurance typically offer full-time and recreational policies. Full-time policies are for those who live in their RV year-round. Because these policies imply more frequent use of an RV, their premiums are generally higher.

Recreational RV coverage is for RV owners who only use their RV occasionally or for vacation purposes. 

RV insurance comes along with numerous types of optional coverage to consider. 

Those purchasing an RV insurance policy have a lot of add-on coverage options to consider. These include coverage for residential liability, roadside assistance, storage, and personal attachments like satellite dishes. 

Are you on the market for the right RV insurance policy in Miami Beach, FL? We offer RV coverage at Assure-Us. Get in touch with us if you’d like to learn about our RV insurance coverage policies. 

Do I need a home inventory of my condo?

Owning a condo is in many ways like owning a home. But not in every way. When you own a condo, your condo association shares the insurance on your condo. The association insures the exterior of the building and the areas that are shared with other owners. You are responsible for insuring the interior of the condo and the contents. Most people have a lot more possessions than they realize. A home inventory is a record of all the items in your condo. At Assure-Us in Miami Beach, FL we have an experienced staff who would love to discuss a home inventory and the benefits to you as a condo owner. 

It is too late when tragedy strikes to wish that you had created a home inventory. When your condo is damaged by a covered event you will be asked to identify the contents and the personal items that were damaged or lost. Depending on the type of damage that was done, there may be very little to jog your memory. You probably think that you know all the things that you own but chances are you are incorrect in that assumption. It is much easier to prepare a home inventory in advance and include detailed information that will make the claim process much less stressful. 

Once you have decided to do a home inventory of your condo, it is important that you store that information in a way that will protect it from the types of damage that it might incur. A water-resistant fireproof box is one option and it is best stored away from the premise. Having a safety deposit box is one option. 

Bad things do happen, that is why having condo insurance is important. A home inventory will help you to file a claim if the necessity arises. At Assure-Us in Miami Beach, FL we understand condo insurance and welcome you to stop by our office or give us a call to make an appointment for a no-obligation quote.  

Three things to do before you purchase a boat insurance policy

At Assure-Us, we offer boat insurance policies to boaters in Miami Beach, FL. If you need to insure your boat, you should do your research. There are a lot of things it’s important to know about this type of insurance coverage before you purchase a policy.

The following are three things to do before you purchase a boat insurance policy.

Understand the difference between "agreed value" and "actual cash value" policies

Boat insurance is typically divided into two main types. These are agreed value and actual cash value policies.

When you take out an agreed value policy, your insurance provider and you both agree upon how much the boat is worth. This is how much you’ll be compensated in the event of a total loss.

On the other hand, an actual cash value policy means that you are compensated however much the boat is worth on the market in a total loss.

You should compare premium costs for these two types of policies and determine which is best for your needs. 

Figure out how much boat insurance you need

When deciding on a policy, you’re going to have to think about how much coverage you should have. There are numerous factors to evaluate when deciding the coverage amount. They include how much your boat is worth and how frequently you use it. 

Budget for your insurance payment

Boat insurance is going to lead to an additional bill every month. To prepare for this, you need to plan your budget out. Make sure that your insurance payment is not going to put any strain on your budget. 

We can help you choose a boat insurance policy in Miami Beach, FL. Get in touch with us at Assure-Us to ask questions and to learn more about the policies we offer. 

Why Should I Have Renters Insurance in Miami, FL

Approximately 900 people move to Florida every day. Of course, not all of them move to Miami but the rental market there is certainly hot and if you have already found a great rental you are one of the lucky ones. While the weather is lovely most of the time in Miami there is always the risk of a hurricane or at the very least high winds that can damage a home, condo or apartment. Other events can happen as well that can damage a rental and if that should happen, you need to know that you are protected. At Assure-US in Miami Beach, FL, we understand rental insurance and why it is a good idea to have.

As a renter, you may assume that the landlord’s insurance will protect you. That is only partially true. The landlord’s insurance protects the physical part of the building but it does not protect your possessions. It also does not protect you if a guest is hurt while visiting you. If your rental is damaged or destroyed you could lose everything. Having to replace all your possessions can be very expensive. Just think about your electronics, jewelry, clothing, and furniture. It could be thousands of dollars. 

Renters insurance can also help pay for a place to stay in the event your rental is damaged so badly that you can no longer inhabit it.  Liability coverage is an important part of renter’s insurance. It will protect you and your family members from any lawsuits that might be filed against you. 

Living in Miami Beach, FL like most places comes with hazards. While everyone hopes they won’t happen to them, it is something that can’t be counted on. At Assure-Us our experienced agents can help you to decide if renter’s insurance is something that you could benefit from. Give them a call or stop by the office, you will be glad you did. 

DOES MY MOTORCYCLE NEED INSURANCE COVERAGE?

Miami Beach, FL is a beautiful place to do your shopping on a motorcycle. There are a lot of beautiful scenes to see from the seat of a bike. It is essential to take care of the bike as its an essential part of blending into the Florida streets. Having a substantial insurance policy is a great place to start.

COMPREHENSIVE INSURANCE FOR YOUR MOTORCYCLE

Did you know that you can get a comprehensive insurance policy for your motorcycle? Assure-Us agents offer great coverage and affordable insurance coverage for your motorcycle that also ensures you also are protected. Agents are readily available in Miami Beach, FL, and only a call away.

Motorcycle insurance is not required in the motorcycle registration. You will have penalties incur penalties in case of an accident if you don’t have an insurance cover. You are responsible for all the property and body damage resulting from the accident. You could also face severe ramifications as having your driving privileges suspended or having your tag and registration suspended.

With the insurance laws varying from state to state, shopping for insurance can be challenging. To access the best coverage at an affordable price, insurance shoppers need to have access to the top insurance providers. Worry no more! Our Assure-Us agents will connect you to all the major carriers in minutes while offering you a fast and efficient quoting system. 

What will be your quote today?

Talk to our North Miami Beach, FL motorcycle insurance agents, for an affordable quote to keep you and your motorcycle safe. Do let a lesser policy get into the way of all the fun in Miami, Florida. Visit our Assure-Us website or call our agents today for Motorcycle coverage and keep the good times rolling.

 

 

3 Tips for Buying Boat Insurance in Miami Beach, FL

If you have a boat, there is no question that you enjoy being able to get out on the water and enjoy the sunshine – especially in Miami Beach, FL where it’s boat weather year-round. However, boats also represent a significant investment. As a result, you need to take steps to ensure the investment you have made is protected. The best way for you to do this is by purchasing boat insurance from Assure-Us. Keep reading to learn how to buy boat insurance and get the coverage you need here. 

Work with a Reputable Agent 

One of the first things you need to do when it is time to purchase boat insurance is to find and work with a reputable insurance agent. One of the best ways to do this is by speaking with people you know who also own a boat and ask them about the insurance company they use. Take some time to find out what type of insurance coverage they offer and how long they have been working in this industry. Doing so will help ensure you get the right coverage for your boat. 

Compare Quotes 

You also need to compare several insurance quotes to find the one that offers the most value. While it may be tempting to choose the insurance quote that comes with the lowest price tag, generally, this isn’t a smart move. Instead, compare at least three different quotes to find the one that offers the most value. 

Bundle Your Policies 

If you currently use an insurance company for your home, auto, and other insurance coverages, it’s a good idea to purchase your boat insurance here. Bundling policies can help you save a lot of money. 

As you can see, there are several tips that will help you get the coverage you need for your boat. For more information on insuring and protecting your boat in Miami Beach, FL contact our team at Assure-Us. 

Renter’s Insurance: A Plus During the Holidays

Like most people, you’re probably looking forward to celebrating the holidays with family and friends. At the same time, holiday parties increase your risk of accidents or damage to personal property, especially after guests have had a little too much to drink. Renter’s insurance from Assure-Us in Miami Beach, FL can protect you against accidental injuries or property damage that may occur when entertaining guests for the holidays. If you’re renting a home, apartment or condo, renter’s insurance is a definite plus for the holidays.  

What’s Covered by a Renter’s Policy?

A typical renter’s insurance policy offers three types of protection: liability, personal property, and additional living costs.

Liability insurance pays for the medical expenses of a guest who suffers accidental injuries on your property. It also helps pay for damage to a guest’s property.

Personal property insurance covers theft or damage to your goods to include clothes, jewelry, electronics, furniture, artwork, etc.

Additional living expenses insurance helps cover the cost of living somewhere else while your rental home is being repaired after a major disaster. 

How Can Renter’s Insurance Protect You During the Holidays?

Liability protection – Even if you’re careful, there’s always the risk of accidents during holiday parties. A guest may get burned in the kitchen while helping with a meal or slip on the stairs after having a little too much to drink. Liability insurance protects you against accidental injuries and lawsuits if you’re sued for damages.

Property protection – Having a house full of guests increases your risk of damage to personal property. If someone damages your stereo or breaks an heirloom during a party, renter’s coverage helps pay for the repair or replacement costs.

To learn more about the protection that renter’s insurance has to offer, call or visit us at Assure-Us in Miami Beach, FL.

Do You Need Extra Collision With Motorcycle Insurance?

Owning a motorcycle can be thrilling, but with the freedom of the open road comes risks, especially to those who regularly ride motorcycles. That is why it pays to be prepared with the right type of insurance to cover not only the motorcycle but the other vehicles on the road as well as the drivers. Those who have motorcycles or who are planning on making a purchase in the near future should educate themselves regarding the level of coverage that can offer the most benefits.

Does A Motorcyclist Benefit From Additional Collision Coverage?

If the consumer purchases a motorcycle and requires financing, the lender may require them to carry collision coverage because it will pay to have the motorcycle repaired. Without that coverage, the motorcycle may be a loss or unusable. Even if the motorcycle is paid for, it would be beneficial to carry that type of coverage, especially if the motorcycle has a high value. Those who have luxury motorcycles should carry the maximum amount of coverage because motorcycles can have the same value as a pricey new car or truck, but carry a higher risk of collisions and incurring damages as a result. 

Finding The Right Insurance Coverage

Finding and purchasing motorcycle insurance should be a top priority before heading out to enjoy the open road, but where should riders turn to get assistance with locating the right policy? Residents who live in the Miami Beach FL area should check out Assure-Us and consult with a knowledgeable agent to find out what options are available and fit individual needs. They can walk the rider through policy options and help them outline their current and future needs.

Don’t risk big losses, while riding a motorcycle. Get the protection that Assure-Us can offer those who enjoy the freedom of a motorcycle in Miami, FL, but want to get top protection in the event of a covered incident. Call or stop by the office today to learn more about their insurance products. 

 

What First Time Home Buyers Need to Know About Flood Insurance

Navigating the waters of homeowner’s insurance can feel intimidating. Luckily, the fine folks at Assure-Us are here to help residents in Miami Beach, FL and surrounding areas, figure out these important decisions. If you are a first time home buyer, you probably have many questions concerning types of insurance, such as flood insurance. We are here to help you better understand these topics and to better understand your options. 

Understand Your Location

You should understand that FEMA (Federal Emergency Management Agency) establishes flood zones each year. These are areas that the Federal government deems at risk for flooding. If your new home you are purchasing falls into one of these risk zones, your mortgage company can force place flood insurance on you. Force placed insurance is often much more expensive than policies that you shop for yourself.  In order to avoid this happening, you need to research the FEMA flood zones to find out if your new home will fall into this category. If your new home is in one of these areas, it is best to purchase your own flood insurance to make sure you get the best deal. It is also important to note that 20% of flooding takes place outside of FEMA flood zones. 

Flood Insurance Is Not Covered in Homeowner’s Insurance

Many first time home buyers make the mistake of thinking that their homeowner’s insurance covers flooding. This is usually not the case. To be certain, you should discuss homeowner insurance options in-depth with a trained insurance representative. 

Purchase What You Need

Your flood insurance needs will be different from other people’s. Make sure that your flood insurance policy is customized to your particular needs.

If you would like to learn more about flood insurance, please contact us at Assure-US, now serving Miami Beach, FL and surrounding areas. 

 

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