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How Does Renters’ Insurance Work?

Renters’ insurance is a type of coverage that you only get when you are renting your home or a storage facility. This insurance isn’t like homeowners’ policies, as it does not include the building in the coverage. If you are renting a place to live or a place to store your items, you need renters’ insurance. Call us at Assure-Us in Miami Beach, FL to find out more. 

Covering Your Possessions

One of the main parts of renters’ insurance coverage is the coverage of all of your belongings that are inside the insured space. Often this is an apartment, a rented house, a manufactured home, or a condo. However, if you have items that you are storing in a commercial storage locker, that also needs renters’ insurance to cover all of your items inside it. Most storage facilities now require that renters have a renters’ policy on their possessions in the locker. To make sure that your belongings are covered, be sure to document them in photos or video so that you can prove what was inside the rented space. 


When you have renters’ insurance on your home, you also have coverage for liability. This means that accidents or illnesses that happen inside your home to a third party are covered if you are liable for them. This usually includes medical bills and may include lost wages if it was a serious accident or illness. 

Habitable Space

If something were to happen to your home and it became unliveable, your renters’ insurance would pay for you to live elsewhere until the rented home was repaired and back up to code. 

Get Your Renters’ Insurance Policy

If you rent either your home or a storage locker, you need renters’ insurance on it. If you need a policy, call us at Assure-Us in Miami Beach, FL.

Is motorcycle insurance needed for owners in Miami Beach?

People that live in the Miami Beach, FL area will want to own a vehicle so they can get around the area and enjoy it as much as possible. When you are shopping for a vehicle, you may find that the warm weather and sun makes getting a motorcycle an ideal option. If you do get a motorcycle, you will also want to get motorcycle insurance for it. 

Insurance is Needed to Drive Legally

One of the reasons that you will need to have motorcycle insurance when you are in Miami Beach is that it is a legal requirement. Anyone that would like to use a motorcycle here is going to have to comply with state laws. In Florida, all motorists need to carry liability insurance. This requirement extends to those that want to drive a motorcycle on a public road.

Insurance is Needed to Protect Asset

You will also want to get motorcycle insurance when you are in Miami Beach because it will be needed to protect your asset. If you do decide to purchase a motorcycle here, you will be making a significant purchase that you will want to have protected in the future. Those that invest in motorcycle insurance will have the coverage they need to repair or replace the asset if it is ever stolen or damaged.

Having a proper motorcycle insurance policy in the Miami Beach, FL area is very important. If you would like to get a motorcycle insurance policy here, it would be a good idea to call Assure-US. When you work with Assure-US for your motorcycle insurance needs, you will get the guidance that is needed to pick the best policy possible. This can help you ensure that you pick the best policy for your situation. 

What Does Boat Safety Entail in Miami Beach?

Boat safety in Miami Beach, FL covers a number of different topics, all of which should be given priority by the boat owner if they’re hoping to protect themselves and their family. Assure-Us is here to give you a few tips that you can take to the proverbial bank. 

Make a Plan 

The first thing that you need to do is assess the different threats that might befall you when you’re on the open water or in the harbor. Accidents, storms, collisions: these are all common events that can be far more devastating than you realize. Without contingency plans — ones that are practiced over and over again —you can end up in a precarious situation. 

Have the Right Equipment 

Safety equipment will inevitably make your boat heavier, but the reality is that you can’t live without it. From basic first aid kits to life jackets to signaling devices, to fire extinguishers, it’s better to be over-prepared than under. 

Have Good Insurance 

Boat insurance might not seem like it’s directly related to your safety, even though it is. If you’re in Miami Beach FL, you need a way to cover yourself if something does occur. For instance, if you’re in an accident and you don’t have the means to cover the repairs, then the issues will only get worse over time. Having the right policy can not only protect you and your family, but it can also give you more confidence when you’re taking on new challenges in your boat. 

Assure-Us knows that it can be difficult to select a boat insurance plan that makes sense for you. If you have questions about what a good policy should cover and how it will help you, it’s time to get in touch with our staff. 

Does renters insurance cover accidental damage of my personal belongings?

Renters insurance, also known as tenant insurance is a type of property insurance that helps protect you from financial losses in the event of a fire, vandalism, burglary, and other perils. It is almost impossible to control some accidents such as theft or injuries on visitors in your Miami Beach, FL home. That’s why Assure-Us is here to help you find the best renters insurance policy that meets your needs.

Are personal belongings covered?

Absolutely! Since you are living in a rented home, your aim typically revolves around protecting your valuables. Your landlord may have already bought coverage to protect the building including the walls, floor-ceiling, fence, and gate. Renter’s insurance is generally made up of three primary coverages they include:

  • Personal property: covers your property if they are damaged or stolen up to the maximum coverage limits
  • Liability: Protects you if you cause injury or damage to someone’s property. 
  • Loss of use: Compensates you for extra living expenses incurred if your home becomes unlivable

Is it possible to upgrade renters’ insurance?

Different insurance providers offer additional endorsements to your policy to add coverage to valuable items like jewelry and fine art collection. Some insurance providers also allow you to add coverages for perils that are not initially covered in your renter’s insurance such as earthquakes and floods.

Accidental damage to personal belongings

Renters insurance covers accidental damages where no one is at fault. For instance, If your possessions were damaged in an accidental fire in the house, renters insurance can help replace and repair the damaged items. However, if your child decides to break things in the house out of rage, then renter’s insurance cannot cover the damages. In fact, damages done by you or your family members are not covered under the renter’s insurance policy. 

Are you looking to buy renters insurance around Miami Beach, FL? Let Assure-Us help you find value for your money. We are all about helping you find a policy that fits your needs, style, and preference. Contact us today!

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. 

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