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3 Tips for Buying Motorcycle Insurance

Riding a motorcycle in Miami Beach, FL is riskier than driving a car as you’re much more exposed on the road. If you’re in an accident, you’re more likely to sustain greater injuries and property damage. That’s why it’s important to have motorcycle insurance coverage. The following tips from Assure-Us can help you choose the right coverage for you.

Select Coverage Conducive to Your Lifestyle

Your motorcycle coverage should match your lifestyle. If you’re an avid rider, you’re at greater risk of having an accident, making it necessary to get ample coverage to protect you and others on Miami Beach FL highways. If you’re an occasional rider and mostly use your bike to run errands around town, you can get by with less coverage. Factors like your age, riding experience, and the value of your bike should also be considered when buying your policy.

Protect Your Bike

Motorcycle accidents can cause extensive damage to your bike. Unless you have the money to pay for bike repairs on your own, we recommend you protect your investment with collision, comprehensive and uninsured motorist (UM) coverage.

Collision insurance protects your bike against collision damage while comprehensive insurance covers motorcycle theft and damage from inclement weather, falling objects, or vandalism. If you’re hit by an uninsured motorist, UM coverage helps pay for damage to your motorcycle, to save you money out of pocket.

Fulfill Motorcycle Insurance Requirements

Motorcycle liability coverage is required in Florida to protect others in accidents you cause. When purchasing your policy, make sure you fulfill the Sunshine State’s minimum liability insurance requirements to avoid liability issues if you cause an accident.   

By working with an insurance specialist from Assure-Us, you can have greater confidence in getting adequate motorcycle insurance coverage. Call or visit us today for all your motorcycle insurance needs.  

Stay Covered with Flood Insurance

If you live in Miami Beach, FL, then you understand that anything can happen at any given time. That’s why no resident should be exempt from flood insurance. Flood insurance can help protect you in even the most unpredictable of times. Learn the in’s and out’s of flood insurance and how you can stay protected with Assure-Us. 

What Does Flood Insurance Cover?

Flood insurance provides you with financial protection in the event that you or your property is damaged in a flood. If you live in an area like Miami Beach FL, this type of insurance coverage will come in handy as the area can be quite unpredictable. To help you get an idea of how you can be covered with flood insurance, here are some areas in which flood insurance can provide financial coverage: 

  • Property damage 
  • Injury
  • Home damage
  • Other kinds of physical damage

These are just some of the areas in which flood insurance can provide financial coverage. The specific type of coverage and the amount of coverage you receive will depend on the insurance coverage policy you choose. To help you find the right coverage policy that is perfect for you, visit Assure-Us to get a consultation. 

Why Is Flood Insurance Important? 

Flood insurance provides you with relief if you live in an area where flooding is common, even if the flooding is only mild. Maybe you think your property will never sustain damage from a flood, which is what everyone thinks until it happens to them. When that happens, you want to ensure that you are properly protected. It’s always better to have coverage and never need it than it is to never have coverage and find yourself needing it. 

Stay Covered with Assure-Us

When it’s time to find a flood insurance policy that’s right for you, visit Assure-Us to explore your options. Our office proudly serves the Miami Beach, FL area. 

What Does Commercial Insurance Cover?

If you’re a business owner in Miami Beach, FL, then you may know about commercial insurance. If you don’t, you should definitely become familiar with the term as commercial insurance is vital to keeping your business afloat. Learn more about commercial insurance with Assure-Us. 

What Is Commercial Insurance?

Commercial insurance, or business insurance, is a type of insurance that protects your business and your business components. Here are some different areas in which commercial insurance provides coverage: 

  • Property Damage: If any damage is done to your business’s property or equipment, then you are provided financial coverage through commercial insurance. 
  • Worker’s Compensation: One of the more popular types of coverage, this coverage ensures an employee is covered if they are injured on the job or on the property. If the employee has to take time off from an injury sustained at the business, they will be paid and their medical costs may be covered. 
  • Liability: If the damage is done to other property and your business is at fault, commercial insurance can provide you with coverage in the case of a lawsuit or fees. 

These are just some of the areas in which commercial insurance provides coverage. To find out more ways you can be covered, visit Assure-Us. 

Why Get Commercial Insurance?

Commercial insurance ensures that your business will stay afloat in even the most difficult of situations. Since your property, equipment, and employees keep your business running, it’s important to protect them. Commercial insurance acts as a support system on which you can rely on when things happen that are out of your control. 

Keep Your Business Covered with Assure-Us

To ensure that your business is insured, visit Assure-Us. Our office is located in Miami Beach, FL, and you can contact us today to set up an appointment. Let us help you get the right coverage for your business. 

How to Make Sure Your Belongings Are Covered Under Home Insurance

How do you know that your personal belongings are covered under your home insurance policy? This is a tricky matter and a good reason to talk to a private, licensed insurance agent like one from Assure-Us of the Miami Beach, FL area.

Do a Home Inventory

Before you even step foot into an insurance agency, it’s important to know what you want to have covered by your insurance. Conduct a home inventory of anything that is of value and you’d want to replace. You can include items that are not on the premises, such as items you take on vacation in your RV or if you store some of your possessions elsewhere. In some instances, you may have coverage for at least some of the amount charged during the unauthorized use of credit cards.

Find Out the Particulars

The additional coverage you get on top of your homeowners’ insurance is typically known as personal belongings coverage. It will cover a percentage of the replacement value for items that are stolen, so if you have items that are more valuable you may want to have a floater that will provide you with more coverage.

You may not think of them as personal belongings, but trees, shrubs, and plants are included in standard home insurance policies in most cases.

It’s in your best interest to check if certain circumstances would not apply in terms of filing an insurance claim. Different companies have different exceptions when it comes to the causes of damage of your property and if you’d still be compensated.

If you have more questions or concerns or want to find out how to get your personal belongings insurance, reach out to Assure-Us which serves the Miami Beach, FL area.

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. 


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.



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