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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. 


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.


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. 


I Ride My Bike For A Living – Do I Need Commercial Insurance?

Biking For A Living in Miami Beach, FL? 

We are in it with you at Assure-Us Insurance. 

As your insurance agent, you will find that we are right there in the thick of it with you. We’re not going to wait until the problem occurs we are going to make certain that you are insured for what’s to come on the road ahead.

If your bike for a living  – meaning that it is a critical part of your livelihood or if it is merely the mode of transportation you use to get to your livelihood – you need to be protected. 

Speak with your employer 

Find out if your employer has you insured under their commercial policy. Depending upon the nature of the business you are a part of chances are your employer has taken care of this necessity. In fact, more than likely if you are employed by someone else and you use your bicycle during your hours of employment as part of your job then your employer has you covered. 

It all starts with a frank discussion with an agent. While you’re doing your research consult your health insurance carrier as well to make certain that you will be taking care of in the event that there is an accident. If you are self-employed or you have opted to use your bicycle as a mode of transport and it is not a requirement of your position then you may be responsible for the commercial insurance. It all starts with a frank discussion with an agent.

The next time you are out on a trek, stop by the Assure-Us office located in North Miami Beach, FL. If reaching us by telephone is more in line to your schedule or preference, our telephone number is 305-956-7818. Ask questions about your home, auto, boat/watercraft, condo, flood, motorcycle, renters, or the insurance t

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. 

Our Insurance Partners

  • Ascendent
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  • Federated National Insurance
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  • Homeowners Choice
  • Infinity
  • Mendota
  • Mercury
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  • Progressive
  • Safe Point
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  • Towerhill
  • Travelers
  • United Auto
  • United Heritage
  • Universal Property
  • Universal Property Casualty
  • Weston
  • Windhaven