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Assure-Us

1880 NE 163rd St
North Miami Beach, FL 33162

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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. 

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. 

 

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

Does Your Home Insurance Policy Cover Solar Panels?

Here at Assure-Us, one of the questions that we are frequently asked is whether your home insurance policy in Miami Beach, FL covers solar panels that you may be planning to install on your roof. Here is important information that you need to know about your homeowner’s insurance policy if you are thinking about solar panels. 

Whether the Solar Panels Are Covered

In most cases, solar panels are considered a permanent fixture or addition to your home. As such, they are included in most policies. However, it is important to not assume they are covered under your policy. Contact your home insurance policy or carefully read your policy to ensure solar panels are not an exclusion under your policy. 

Reasons the Solar Panels May Not Be Covered

It is important to understand that while solar panels may be covered under your policy, they may not be covered in every event. For example, if your homeowner’s insurance policy excludes hurricane damage, solar panels damaged in a hurricane would still be excluded. Maintenance-related issues are typically not covered as well. 

Other Important Factors to Consider

Finally, it is important to consider whether your home insurance policy limit needs to be increased if you are installing pricey solar panels. Your policy may need to be increased once solar panels are installed. 

In most cases, solar panels are covered by your home insurance policy. However, in other cases, you may need to make changes to your policy or purchase a separate solar panel add-on policy to ensure yours are covered. If you are looking to purchase home insurance in the Miami Beach, FL area that covers your solar panels, contact us here at Assure-Us. We can help find a home insurance policy to meet all of your needs. 

Does Auto Insurance Change In Your Golden Years?

Miami Beach, FL your golden years is a great time to reflect on what is important and what can easily be discarded. This is not only true with items related to your personal life it is also true about your insurance needs. As you get older, your driving responsibilities will change. It is a natural part of life. Our staff at Assure-Us is sensitive to your unique situation and the changes that occur over your driving career. 

Some customers continue to drive in their golden years because they are still working or are they simply enjoy the experience of being on the open road. Others may feel more cautious about driving in certain weather conditions or at certain times of the day or night.  Belonging to certain associations or clubs may also have an effect on your auto insurance rates and coverages. You may also want to take advantage of the perks of a defensive driving course or another department of motor vehicle sponsored classes or education modules. All of these new facets interact with your auto insurance status. The answer to the question is “yes”, just like the other changes that are occurring in your life as you enter and live out your golden years your auto insurance needs will change.

Assure-Us is located at 1880 NE 163rd. St. North Miami Beach, FL 33162.  At our agency, you are assured to receive a comprehensive analysis of your auto insurance needs.  Stop in today to experience the kind, professional service that we deliver. We can also help you with your home, boat or watercraft, commercial, condo, flood, motorcycle, renters and RV insurance needs. It is a better idea to handle everything in one place and because we work with different carriers we will be able to give you great rates and quality coverage.

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