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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.


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.


How to File a Flood Insurance Claim

In Miami Beach, FL, residents often experience flood conditions, especially after a hurricane or other type of tropical storm. The agents at Assure-Us are always available to help when a disaster strikes. Hurricanes can cause various types of damage, but it’s the after effects that can make cleaning up difficult. Flooding is just one type of problem many homeowners face after a big storm.

Call Your Insurance Agent

It’s important to notify your insurance agent as soon as possible in the event of a disaster, Although it can take flood waters several days to recede, it’s important to notify them quickly so they can begin the claims process. As soon as the flood waters start to diminish, an appraiser can begin to assess the damage and provide your agent with an estimate.

Meet Filing Deadlines

There are deadlines that must be met if you plan on filing a claim on your flood insurance. Reporting the claim as soon as the flooding occurs will get the process underway so that all deadlines are met. Cleaning up after a flood is a lengthy process. Not only does it take time for the water to leave and the area to dry, it will also take time to process your claim.

At Assure-Us, agents understand the stress and frustration Miami, FL residents go through when strong storms hit and flood water damages their home or property. If you have questions about flood insurance, how it works, or what deadlines you may have to be concerned with, call and schedule an insurance review today. The agents will make sure you understand the process and what you need to do if filing a claim is necessary.

What does flood insurance cover?

One thing that you will learn about Miami Beach, FL is the strong chance of flooding in the area. With all of the beauty that is this beach city remains the imminent threat of water rising and destroying your home. Such is the reason why you need flood insurance if you own a home. What does the insurance policy cover, though? The agents at Assure-Us can make things clear. 

Flood insurance is mandatory in Florida.

You cannot secure a home loan in Florida without purchasing an indemnity plan that covers flooding. Some buyers believe that a standard assurance policy is all-inclusive of hurricanes, tornadoes, and other natural disasters involving water. The truth, however, is that your standard indemnity policy leaves you in the cold when water invades your home. You will need to show lenders more than basic homeowner’s insurance for them to grant your request for a mortgage. 

What does flood insurance cover?

There are essentially two ways to obtain flood insurance: either by way of federal government or through private coverage. The National Flood Insurance Program (NFIP) has two policies meant to cover both your residence and personal possessions. The building property portion of insurance pays up to $250,000 for structural damages. Meanwhile, the personal property aspect of flood insurance offered by the NFIP pays up to $100,000 for personal property lost during a natural disaster involving water. You can purchase one portion of assurance offered through the NFIP or opt to buy both plans for added protection.

Those who personal and building properties exceed the limits set forth by the federal government will need to purchase additional insurance to ensure financial stability after a storm. The agents of Assure-Us can make sure that you have the right coverage for your home in Miami Beach, FL. Call them today for a flood insurance quote!

Does condo insurance cover stolen goods?

You come in from a night of fun in town only to learn that someone has burglarized your condo. They took everything from your computers to the antique clock that your grandmother gifted you with when you got married. The only thing potentially worse than being robbed in Miami Beach, FL is the uncertainty of whether or not your condo insurance policy covers everything. Assure-Us can help you sort out the tough questions of condominium indemnity plans.

Understanding limits and deductibles

Just as with car insurance, your condo assurance policy typically goes to work after you pay the deductible. Your policy limit may be $500,000, but it is not until you pay the $500 deductible that such funds will be released. In some instances, insurance companies offer low payouts for jewelry and other valuables such as antique clocks. Such is the reason for getting adding special coverage for these items. You may also run into difficulty if you are not home when the loss occurs as some indemnity companies do not offer full payouts in such cases.

About Scheduled Personal Property

Some homeowners have possessions so great in value to the extent of a standard condo policy being unable to adequately provide recompense in the instance that they are stolen. Such individuals should consider what is called a Scheduled Personal Property plan, which pays for expensive items such as jewelry, masterpiece art, and musical instruments. There is no deductible attached to a Scheduled Personal Property plan. You will, however, need to discuss the possibility of investing in such an add-on with your agent.

There is nothing pleasurable about coming home to your Miami Beach, FL condo only to find that a stranger has ransacked your residence. Assure-Us can help you maintain financial stability in such instance by providing an indemnity plan that works best for your situation. Call today for a quote!

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