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How is Condo Insurance Different from Home Insurance?

If you are a homeowner or a condo owner, you need insurance to cover your home. You might wonder why you need different insurance if you own a condo. Isn’t home insurance enough to cover it? What is the difference between condo and home insurance? Isn’t it the same thing? Not quite. Here, we will discuss the main differences between the two.

How is condo insurance different from home insurance?

Liability coverage

Liability insurance for homeowners covers the entire property inside and outside. Liability coverage will cover any accident on the property inside and outside the home. Condo owners are only responsible for covering what happens on the inside. If an accident occurs on the inside, your liability insurance will cover it. If anything happens on the outside, then your insurance is not responsible for it.

Dwelling coverage

A homeowner needs dwelling insurance to cover the whole inside and outside structure against damage. Since the condo owner only owns the inside of the dwelling, they only need enough insurance to cover the inner part.

Loss assessment coverage

Homeowners only need loss assessment coverage if they live in a community with an HOA with shared common areas. Condos are almost always part of a community with an HOA, so they need loss assessment coverage to cover any regions shared in the community.

Personal property protection coverage

Condo insurance and home insurance are both similar when it comes to personal property protection. Whether you live in a condo or are a homeowner, personal property protection covers your belongings.

Contact us

For more information, contact us at Assure-Us in Miami Beach, FL.

Three Great Boat Maintenance Tips

Boats, especially in salt water, need a lot of maintenance to ride the waves. Here are three tips to ensure your boat doesn’t become a one-way submarine. Your friends at Assure-Us, serving Miami Beach, FL, want to remind you that a small amount of maintenance today could save hundreds in boat repairs tomorrow.

Clean your boat thoroughly once a year

Every year, ensure your boat has been washed of corrosive seawater and brought up on dry land to inspect it. Marine life still makes its home on the bottom of boats and can ruin the hydrodynamic performance of your hull – or worse, ruin your hull itself. It can be expensive to get rid of an infestation. Take care of it early for carefree boating.

Flush your engine regularly.

Marine engines are water-cooled. Your boat is always surrounded by water. But water cooling also means you have to flush your engine after every sail to ensure that seawater can’t turn your expensive boat into an even more costly lawn decoration. Every time you bring your boat back into the harbor, be sure to flush your engine according to the instructions from the dealer that sold it to you.

Use safe cleaning products.

For a first-time boat owner used to the simplicity of doing routine maintenance on your home, the temptation may be to bring the same chemicals you use to clean your bathroom to clean the bathroom on your boat. But these chemicals – safe as they are for home use – may not meet the EPA’s requirements for marine use. Make sure you use approved, secure, and biodegradable boat cleansers.

Call or visit Assure-Us today in Miami Beach, FL for a free, no-obligation boat insurance quote.

Should College Students Obtain Renters Insurance?

Tenants in the Miami Beach, FL area are not responsible for obtaining renters insurance under the law. Still, it’s an investment against financial loss that many students choose to make while in college. In addition, it is not uncommon for a landlord to compel a renter to purchase a policy. 

This is because a landlord’s policy will cover the four walls and the exterior of the building but not your interests. College students living in a dorm typically have expensive belongings, including electronics, such as laptops, tablets, and cell phones, and textbooks that are costly to replace.

These can be damaged if there is a fire, and smoke damage can also wreak havoc. Sprinkler systems activated during a fire can ruin personal effects as well. 

Items can be stolen or affected by vandalism, and natural disasters, such as hurricanes, violent storms, or tornadoes, can damage the contents of your home. 

Accidents can happen, and this can be the case on any college campus. Any time young people get together while on their own for the first time, they may not realize hazards are apparent until it’s too late. As such, they may be at fault when someone slips and falls or otherwise hurts them in an accident. 

This can leave a renter responsible for medical bills or lost wages associated with an injury. In addition, the injured party may sue. Your Assure-Us representative can give you specific ways renters insurance can help in a particular situation. 

We Can Help You

Assure-Us provides quality insurance products and services to Miami Beach, FL’s clientele. We look forward to serving you and invite you to contact us online, by phone, or by stopping in the office. 

Motorcycle safety: Five tips for riding in Florida

Whether you’re cruising down Ocean Drive or taking a day trip up to Lake Okeechobee, there are endless opportunities to ride in Miami Beach, FL. Motorcycle insurance has you covered all year long.

Yet, while these policies focus on protection, nothing can replace prevention.

That’s why it’s so critical to remain vigilant on the roadways. Distracted driving and speeding pose the biggest threat. Luckily, Assure-Us can help. Located in Miami Beach, FL, their experienced agents share five defensive driving tips to help keep all motorcycle riders safe.

Suit up

Think function over fashion. Piece together an outfit that offers protection first and foremost. Helmets, eyewear, and gloves are essential. Opt for long sleeves and pants for an added layer of coverage against wind and debris.

Be visible

It’s already hard to spot oncoming motorcycles. Boost visibility by wearing reflective, bright-colored clothing. Routinely check all headlights, horns, and turn signals before riding.

Increase space

Adding extra distance between you and other motorists makes you more noticeable too. Don’t tailgate, and avoid blind spots. Or you can find a less-traveled road altogether. Fewer drivers on the road mean fewer potential threats.

Pass cautiously

Improper lane switching, overtaking, and passing are the leading causes of motorcycle accidents. Never pass on corners, curves, or without using signals. Additionally, be mindful of other cars ahead of you.

Improve skills

Practice is key. Experience breeds comfortability. So get out and ride in safe, controlled environments. New riders will benefit from finding a local training or safety program.

Contact Assure-Us

Although some accidents may be unavoidable, there are ways you can minimize your risk. That’s why Assure-Us makes safety their top priority. Serving Miami Beach, FL, our team can craft an individualized motorcycle insurance plan that keeps you protected. Schedule an appointment today.

Is Flood Insurance Separate from Home Coverage in Miami, FL?

Flood insurance is separate from home insurance in and around Miami Beach, FL. This insurance is required to purchase a home in the state’s flood-prone areas. 

Are Any Floods Covered With Home Insurance?

Home insurance policies cover certain flood situations. For instance, water damage due to a broken pipe. In some cases, they could pay for issues related to tornadoes, hurricanes, or other wind-related conditions that cause property damage. 

However, floods caused by nearby overflowing tributaries aren’t handled in a standard home policy. Therefore, homeowners in Miami Beach, FL must purchase flood insurance. 

Can You Purchase a Home Without Flood Insurance?

You can purchase a home without flood insurance. Yet, you can’t close on the mortgage if you don’t have a policy. In many agreements, evidence of flood and home insurance is required to move forward. 

How do I Know How Much Insurance to Get?

Work with your local insurance company to determine the value of your flood insurance policy. They will examine factors that include your property’s square footage, its vicinity to water tributaries, and the history of flood damage in the area. They’ll determine the proper amount of underwriting from these data points.

Don’t undervalue your flood insurance. In other words, don’t try to save money by lowering the coverage amount. Insurance companies come up with those numbers to provide an adequate payout for your home’s interior, exterior, and furnishings. 

There’s much to consider when selecting a flood insurance policy. Don’t go it alone and risk undervaluing your home. Reach out to a subject matter expert at Assure-Us to get your questions answered. 

Do You Need Commercial Insurance for Your Business?

When it comes to insuring your business, there is no one-size-fits-all solution. The type of insurance you need will depend on the nature of your business, the size of your operation, and the products or services you offer. However, in most cases, commercial insurance is a wise investment. If you’re not sure whether commercial insurance is right for your business, consider these benefits.

1. It Can Protect Your Business From Liability

Did you know that your business could be liable for damages even if you didn’t do anything wrong? If a customer is injured on your property or a product you sell causes harm, you could be sued. Commercial insurance can help cover these costs, protecting your business from financial ruin.

2. It Can Help with Compliance

Certain types of businesses are required by law to carry certain types of insurance. For example, many business owners are required to have workers’ compensation insurance. If you’re unsure what kind of insurance your business requires, an insurance agent can help you determine which policies you need.

3. It Can Give You Peace of Mind

Running a business is stressful enough without having to worry about the financial consequences of an accident or lawsuit. Commercial insurance can give you peace of mind, knowing that your business is protected in case of a covered incident.

4. It Can Help You Get Back on Your Feet After a setback

No business is immune to the occasional setback, whether damage from a fire or theft. If your business is forced to close its doors, commercial insurance can help you cover the costs of repairs or replacement inventory, getting you back on your feet as quickly as possible.

If you’re not sure whether commercial insurance is right for your business in Miami Beach, FL, Assure-Us can help. We offer a free consultation to discuss your business needs and help you determine which policies are right for you. Contact us today to get started.



How Home Insurance Protects You

As a homeowner, you must have home insurance to protect yourself and your home. Home insurance offers several kinds of protection, each important for protecting your financial future. As long as you own your home, it would help if you had this insurance protection. If you need home insurance, call Assure-Us in Miami Beach, FL to get started. 

Coverage for Your Dwelling

The home itself needs protection because there are so many risks that exist. A wide range of damaging incidents can happen to your home that can cause a lot of damage. When you don’t have home insurance, all that damage is yours to pay to repair. This can cost tens of thousands or even more. When you have home insurance, those repairs are paid for by the policy to protect your finances. 

Protection for What You Own

Everything you own is likely inside your house, and home insurance protects it. With a home policy, all of your possessions in the home are covered. When a damaging event that is covered by your policy happens and your things are destroyed, you can get them replaced by the policy. Next to your house, your belongings are likely your most significant investment, which needs protection. 

Liability Protection

As a homeowner, you are responsible for what happens inside your home. If someone were to enter your home and become injured in an accident, you are likely liable for the medical bills due. With home insurance, those bills can be paid by your policy instead of by your pocket. 

Get Home Insurance Today

If you need a home insurance policy, call us at Assure-Us in Miami Beach, FL.

Why should someone get auto insurance in Florida?

The Miami Beach, FL area is full of fun and existing recreational amenities. To ensure that you can efficiently enjoy all this part of Florida offers, it would be ideal for you to own a car. An auto insurance plan is crucial if you want to own a car. There are a few reasons why someone in this part of the state will need to have this coverage. 

Comply with State Liability Requirements

A reason that many in this part of the state will want to have an auto plan is so they can comply with requirements surrounding liability insurance. Anyone that wants to drive a car on the road in Florida will have to be insured with liability coverage. This insurance provides assurances that you will be able to cover any damage that could be caused in an accident. Without the coverage, you would be unprotected and violate state driving laws. 

Protect Vehicle

It is also a good idea for someone to get an auto plan to protect their vehicle. When you purchase a car in this part of Florida, you will want to be able to use it for a long time. A great way to ensure this happens is by getting the proper coverage. With a full plan, you will be protected against various risks that would otherwise result in a loss. 

Having the right insurance plan for your car in the Miami Beach, FL area is quite important. If you would like to start looking for a new plan in this part of Florida, it would be helpful for you to call the team with Assure-Us. Many vital choices come with selecting an auto plan, and Assure-Us will give you the help needed to choose a policy ideal for your situation. 

Is RV Insurance a Wise Investment?

Doubling as a means of transport and accommodation, RVs are increasingly becoming popular in America, notwithstanding the skyrocketing prices. But as you enjoy your RV, don’t forget about RV insurance. This insurance plan protects you and your vehicle when on the road or parked.

But because you have spent too much on buying your RV, you wonder whether purchasing RV insurance is worth it. But as you will find from Assure-Us in Miami Beach, FL, RV insurance is worth every penny.

Why RV insurance is a worthwhile investment

If you want to have peace of mind when enjoying your RV, RV insurance must be within your plans. RV insurance gives you the comfort that you are well-covered against risks like theft, fire, vandalism, and road accidents. The other reasons RV insurance is a good idea include:

  • Liability protection: In the course of using your RV, you may cause bodily injury and property damage to others. Luckily, RV insurance can cover third-party costs, preventing you from slumping into a financial mess.
  • Asset protection: Your RV is a massive investment, and as such, you need to protect it in every way you can. Investing in RV insurance is an excellent way of protecting your RV from perils like theft and vandalism. RV insurance pays you for the repairs and even the replacement of your vehicle when it’s totaled.
  • Emergency assistance: When your RV breaks down miles away from your residence, you can thank goodness you have RV insurance because it can bail you out when you have a flat tire, puncture, or electrical mishap.
  • Medical payments: RV insurance can cover medical costs for you and your passengers when involved in an accident.

Are you convinced that RV insurance is a good investment? If yes, please get in touch with Assure-Us in Miami Beach, FL for an affordable policy.


Condo Insurance FAQs

Condos come in all manners of shapes and sizes — they can be an apartment, townhouses, or even duplexes. Whatever the form of your condominium, you have to think about condo insurance from Assure-Us in Miami Beach, FL. And because condo insurance usually confuses many people, we have prepared a FAQs section to shed more light on this coverage.

Why do I need condo insurance if I contribute to the COA policy?

You may be wondering why your condo isn’t covered under home insurance, yet you use it as a home. Condo insurance distinguishes the property you own outrightly (like a house) and one located inside another building managed by an association. So, condo insurance protects the property you own. In contrast, the condo owner’s association policy (COA) covers your condo’s external areas and liabilities happening in common areas like the lobby or swimming pool.

What does condo insurance cover?

When you invest in condo insurance, you get value for your money. Condo insurance covers numerous arrears, including:

  • Your assets
  • Your condo’s interior
  • Liability coverage
  • Loss of use
  • Medical payments to third parties

How much condo insurance do I need?

We advise you to consider liability coverage of about $300,000. If you have a dangerous pet, this limit can be increased. If you are a high net-worth individual, consider umbrella insurance for liability coverage of $1M plus.

As for your contents coverage, consider coverage that replaces your entire assets when the worst happens. This means you should use the replacement cost value for your assets to get compensation without reducing the depreciation factor.

Where can I purchase condo insurance?

Shopping for condo insurance can be downright frustrating, but this doesn’t have to be the case if you are in Miami Beach, FL, or the surrounding area. Please get in touch with Assure-Us, and we shall help you purchase a condo insurance policy that meets your needs.

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