You’re Lucky to Be Living in Such a Beautiful Spot, Now it’s Time to Start Thinking About Home Insurance. Brickell is Ready, But Are You?

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Lucky you! You’ve recently moved to Southern Florida and are ready to begin your new life under the sun. Southern Florida, especially the Miami area, is one of the most gorgeous and exciting places to live in the U.S. Whether you’re hitting the beach, checking out the Art Deco in the historical district, or doing some shopping, Miami is an amazing place to be at all times of the year. You’ve made it this far in your home owning odyssey, now it’s time to take the next step: protection. Your home is now the most valuable asset you own—more than your car—and you need to make sure you’re safe from having to cover the costs of any outstanding damages your home may endure. Just because you’re in paradise doesn’t mean you’re safe from everything, which is why you need home insurance. With a home insurance policy, you can receive protection for:

  •          Personal possessions
  •          Additional living expenses
  •          Liability
  •          Replacement costs
  •          The physical structure of your home

With insurance Today Group you can protect your home and your wallet from any of the damages listed above with our agency’s home insurance. Miami is a beautiful area to reside, but bad storms can do serious damage to your home. Our agency is committed to upholding a high level of customer, and we don’t want you to walk out of our office feeling like you haven’t accomplished anything. Contact us today and we’ll get you going right away!

Contact Insurance Today Group now! Call us toll free at: 877-643-2056 or locally at (305) 961-1140.

Keeping Boat Insurance Afloat In The Off Season

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Summer is over, and you’ve taken your boat out of the water. To save a few dollars, you cancel your boat insurance. After all, what could possibly happen to your baby while it’s hibernating? A lot, according to Progressive.

“You’d be shocked at the number of claims filed in colder months,” says Dominic Mediate of Progressive. “Nearly two out of every 10 Progressive boat claims filed in northern states happen between Labor Day and Memorial Day.”

Don’t take a gamble on nothing bad happening. Common off-season claims include:

Fire, theft, vandalism and flooding

Most claims are filed for one of these reasons, which can occur anytime of year. Without coverage, boats damaged by fire, theft, vandalism or flooding aren’t protected.

Injuries that occur on or around your boat

Some boaters don’t realize they could be responsible for injuries that occur on or around their boat — even if the injured person was there illegally. Without liability coverage, you could be responsible for the damages or the injured person’s medical bills.

Keeping your policy all year round might also save you a few bucks.

For example, Progressive’s disappearing deductibles reduce your Comprehensive and Collision deductible 25 percent for every claim-free policy period. Four policy periods in a row without a claim equals a $0 deductible. Canceling your policy could mean paying more or the entire deductible, generally $500 or $1,000.

Check your policy and consult with your miami independent insurance agent before making any decisions. Call us at 1-877-643-2056 with any questions.

Sinking Boat Insurance Myths – Florida Boat Insurance

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You don’t believe in the Loch Ness Monster. You don’t believe your friend caught Jaws fishing off theFloridacoast. So why do most boaters believe boat insurance covers them wherever they go?

Progressive surveyed more than 1,000 boat owners. It uncovered a few insurance myths floating around. Here’s a sample of the findings and the facts behind each:

Myth: Everyone pays more for insurance because of the hurricanes from a couple of years ago.

Reality: Even though it’s believed by 74 percent of respondents, it isn’t true. Boat insurers generally price policies based on claims in each state. For example,Ohio customers won’t pay more for insurance because of hurricanes in Florida.

Myth: Boat insurance covers me anywhere I decide to go boating.

Reality: Seventy-six percent of respondents believed this one. The reality is some insurers only provide coverage where the boat is used most. Insurers may limit coverage to 100 nautical miles of your home port. Progressive provides coverage virtually anywhere you decide to go in the continentalU.S. andCanada.

Myth: I’ll get a better insurance rate if I buy from the same company that insures my home or car.

Reality: Buying more than one product from the same insurance company doesn’t mean you get the best rate – even though 45 percent of respondents thought so. Boaters can save by shopping around and combining specialized policies from different companies.

“It’s important to understand what’s available,” said Dominic Mediate of Progressive. “You want to be properly protected in case your boat is stolen, you get into an accident or contents are damaged. We’re separating fact from fiction so boaters can make the best insurance decisions possible.”

For more information about boat insurance, contact an us at 1-877-643-2056.

Protect Your Toys On The Playground Of Life

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Once reserved for getting from one green to the next, many people now “putt” around retirement parks and condo complexes in golf carts.

Golf carts are quickly joining the ranks of ATVs, snowmobiles and personal watercraft as a favorite toy for grown-ups.

But what happens if these items get stolen or damaged? Make sure you’ve got the right combination of coverage and service to get you back on the trails and waterways quickly.

“One of the biggest benefits of specialized ‘toy’ insurance is that it covers you just about anywhere you want to go,” says Marcy Gray of Progressive.

When it comes to big-kid toys, you can’t afford not to insure them. While fun to own, they can be costly to repair. If you add one of these to a homeowners policy and trouble occurs off your property, you could be on the hook.

“Specialized coverages go well beyond the bare-bones coverage you get with a homeowners endorsement,” says Gray. “Stand-alone policies cover you for things like towing and accessory theft. Companies that sell specialized policies also generally have claims reps trained to get you back on the ‘playground’ fast.”

For more information on insuring your “toys,” contact us at 1-877-643-2056.

Tips For Protecting Boats And Motorcycles In Miami

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Before you take your motorcycle on the road or put your boat on the water, it may pay to be certain your insurance is ship-shape.

Motorcycles and boats are often significant investments, and the right insurance policy can help protect them. Here are a few tips, courtesy of Insurance Today Group:

Evaluate your specific needs. Insuring a boat or a motorcycle is different than insuring your car or home. A specialized motorcycle policy, for instance, can provide coverage for custom paint jobs and aftermarket equipment that might not be covered if the bike were just added to a generic auto policy.

Similarly, a specialized boat policy could cover things like the cost to replace lost or damaged fishing gear and costly services such as emergency on-water towing and fuel-spill cleanup. You probably wouldn’t get this coverage by adding a boat to a homeowner’s policy.

Consult with an independent agency – like Insurance Today Group. Unlike “captive” agents who represent only one company, independent insurance agents and brokers are licensed insurance professionals who represent several companies. They can offer you a variety of coverage’s, review and evaluate your policies, suggest new coverage options that meet your changing needs and answer your questions.

“An independent insurance agent or broker can make sure you have the specialized coverage you need to protect your boat or bike,” said Jim Lloyd, of the Progressive Group of Insurance Companies. “Some insurance companies provide only bare-bones protection for your boat or motorcycle by simply adding it onto your existing auto or homeowner’s policy, but independent agents and brokers can review and evaluate your needs to help match you with the company that will provide you with the combination of specialized coverage, service and price that’s best for you.”

To learn more about Progressive Boat and Motorcycle insurance, contact Insurance Today Group or call us at 1-877-643-2056.

The Progressive Group of Insurance Companies Now Recognizes Fido and Fifi As Family Members.

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 A Progressive policy with Collision coverage now extends to cats and dogs. The coverage pays up to $500 if your dog or cat is hurt or dies as a result of a car accident.

And, best of all, the coverage is free.

“We know how much our customers love their dogs and cats. Many of us have pets, too, and we feel the same way,” said Geoff Souser of Progressive. “Progressive has a long history of product and service innovations that prove you can teach an old dog new tricks. Knowing that most people think of their pets as family members, it felt like the right thing to do.”

Progressive’s pet injury coverage is available in most states. To find out more, contact us at 1-877-643-2056.

Trees Being Planted Thanks To Our Efforts On Paperless and e-Signature

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This summer we participated in Progressive’s Plant-a-Tree campaign. The Arbor Day Foundation is going to plant over 20,000 trees in areas severely impacted by natural disasters, forest fires and insects. Our efforts to have Miami Auto customers go Paperless and to electronically sign their policy documents (e-Signature) made this possible. We will continue to offer these options as they are a great way to meet the needs of our customers and to help conserve our valuable resources. Thank you!

If You’ve Been Convicted of a DUI Recently, Chances Are You Need FR44 Insurance

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Let’s face it, mistakes happen. As human beings, nobody is perfect—in fact, no one even really comes close. As a breed we are designed to sometimes act on impulse rather than thinking things through. If you’ve recently been convicted of a DUI, then you understand acting on impulse. Unfortunately, you made a costly decision that can potentially affect you for some time to come. Because you now have a DUI on your file, you probably know that you need to start considering FR44 insurance. FR44 is a three-year DUI and DWI insurance coverage supposed to address liability limits that are mandated by the state of Florida. FR44 insurance in Florida provides coverage for:

  •          Bodily injury liability/each person: $100,000
  •          Bodily injury liability/each accident: $300,000
  •          Property damage: $50,000

Insurance Today is an agency that understands the implications of human beings. We all have made judgment in certain situations, and some of us are just more unlucky than others sometimes. Our agency is here to help you, not judge you, so by contacting us today we can help answer any of the questions you made. Don’t let your mistake fester into something bigger than it has to be. Supply yourself with FR44 insurance today before it’s too late.

Contact Insurance Today now! Call us toll free at: 877-643-2056.

Is Your Business Protected? Should it Be? The Answer Is Yes!

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Let’s be honest, owning a business requires a lot of hard work and patience. If you’re not on top of your game at all times you run the risk of not being prepared when something unexpected and unfortunate happens. Although being a business owner is an excellent and unique career path, it’s important to consider preparation and readiness as a means of anticipating the worse. If you do stay on top of your game, then you don’t need to worry about the unexpected taking money away from your business. If you’re asking, “How do I stay on top of my game?” the answer is simple: Florida commercial insurance. A commercial insurance policy will protect your business from any damages you’re not ready for, including:

  • Commercial auto
  • Commercial property
  • Group benefits
  • General liability
  • Worker’s compensation
  • And more…

Essentially, a Florida commercial insurance policy is the most important thing your small business needs right now. With it, you have a variety of leverage options in the event your business is surprised by something such as property damage or theft. You need all the help you can get, and Insurance Today is the right choice for you. Our agency provides detailed and informative assistance for our customers looking for insurance rates.

Contact  Insurance Today now! Call us toll free at: 877-643-2056.

Been Convicted of a DUI? Then You’ll Need an FR44 Insurance Policy

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Unfortunately, we get into things that we never thought we’d be involved in. Sometimes, our transgressions are subsequently met with consequences we never saw coming, but in hindsight probably should have. After we make mistakes, we must do everything we can to either correct them or account for them. If you’ve been convicted of a DUI in Florida, then you obviously understand this. In order to account for your mistake, you’re normally required to file for an FR44 insurance policy. An FR44 is a three year insurance policy that addresses a higher liability mandated by the state legislature. Because you’ve been convicted of a DUI or DWI, this policy is necessary for you to continue driving. With an FR44 insurance policy, is what you can expect coverage to look like:

  •          Bodily injury liability/each person $100,000
  •          Bodily injury liability/each accident $300,000
  •          Property damage: $50,000

At Insurance Today we can help you in finding an FR44 insurance policy that works for you. We understand that things happen, and the only way we can make up for mistakes is to comply with the law. Our coverage meets requirement with owners as well as non-owners and meets Ignition Interlock device requirements. Don’t make the same mistake twice, contact us today and we’ll get you ready for the future.

Contact Insurance Today now! Call us toll free at: 877-643-2056.

Florida Home Insurance Is Your One Way Ticket to Safety!

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If you’re one of the Florida homeowners who are having trouble with your next step, you’re not alone. While being a homeowner has its advantages, it also has its challenges. Are you aware the risks your home faces? As a homeowner you should be aware of the potential dangers a Florida homeowner faces such as the threat of hurricanes. Hurricanes have the ability to devastate homes and business in unimaginable ways. In the Miami area, there is a 1/6 chance of a hurricane making landfall—a staggering amount. If you’re home were to become damaged in a bad storm, would you be able to cover the costs? A Florida home insurance policy can do just that, and more! With home insurance, you can receive coverage for:

  • The structure of your home
  •          Personal possessions
  •          Personal liability
  •          Replacement cost
  •      And more…

At  Insurance Today Group it’s our job to make sure our customers seamlessly go through the insurance process with a glitch. Whether looking for Florida home insurance or any other policy, we can give you the information and assistance you need in order to build a future based on success. You owe it to yourself and your home to acquire a reliable home insurance policy.

Contact Insurance Today Group now to see how we can help. Call us toll free at: 877-643-2056.

Florida Auto Insurance – No Fault Information

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The Sunshine state is one of the select states that adopts the no-fault insurance laws. All motorists must carry Personal Injury Protection (PIP) and Property Damage Liability (PDL) policies at all times in order to maintain a Florida tag and registration. Be sure to understand the laws and compare rates and higher limits of coverage before purchasing in order to get the proper protection.

What is Florida No Fault Car Insurance?

The basic definition of the no-fault law is that the policyholder’s insurer will pay for their injuries and property damage regardless of who is found to be responsible for causing the accident. This is intended to keep traffic accident cases outside of courtrooms and avoid the excessive costs in order to determine responsibility for the collision and provide speedy compensation to those involved.

Although this can be beneficial to the insured, in most cases they will not be able to sue the other party if the injuries exceed the limits of their policy unless there has been a death, disfigurement, dismemberment, or a fracture. The minimum Florida auto insurance requirements for personal injury protection and property damage are $10,000 per each coverage. It may be wise to raise these limits in case the result of the accident causes expenses greater than what the minimum required will cover.

FL state sealA beneficial coverage that should be taken into consideration for purchase is Bodily Injury Liability (BIL). This can pay for serious injuries or death if the case is able to go to court and protect the insured from incurring severe expenses if found liable. The insurer will provide legal representation and pay for injuries caused by the policyholder, household family members, the insured while driving someone else’s automobile and may even cover those who were operating the insured’s vehicle with their permission.

No-Fault regulations vary with each state, for more on the insurance laws of the state one can contact the Florida Department of Highway Safety and  Motor Vehicles in order get further information.

 

Contact Insurance Today now to see how we can help make sure you have the correct coverages. Call us toll free at: 1-877-643-2056.

Renters Insurance Smart Protection for Your Stuff—and Your Place

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Renters Insurance Protects Your Possessions and Helps With Living Expenses

Pipes burst, a spark ignites a blaze, thieves find the unlocked door. Sometimes stuff just happens. That’s why renters need to take a hard look at the big what-ifs. What if your possessions are ruined or stolen? What if you’re forced to find a new apartment?

Your Neighbor’s Pipe Breaks, But You’re the One Going Broke?

Replacing laptops and your other possessions can drain your savings in a hurry. And what about the expenses if you’re forced to live somewhere else for a while? Hotel costs, restaurants for every meal, even replacing all the little things like toothpaste and socks.

Even if you’re only “on the road” for a couple weeks, you can still end up shelling out thousands of dollars. It’s even worse if you end up on the hook for a new security deposit and first month’s rent. Can you really afford that out of pocket?

For most of us, the answer’s no. That’s why a renters insurance policy makes so much sense, especially when relocation and replacement protection starts at about $17 a month.

Contact Insurance Today now to see how we can help make sure you are covered. Call us toll free at: 1-877-643-2056.

I just started renting where I live. Am I responsible if someone gets hurt in my place?

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Congratulations on your new place! Once you get all your things settled in, the real excitement of discovering a new neighborhood, meeting new people and easing into your comfort zone will take over.

You’re probably also trying to get all your paperwork in order. Between setting up utilities and budgeting for rent, you’ve got a full plate. But you’re also wondering – what happens if someone gets hurt on my property? For example, your brother is helping you move and twists his ankle on the stairs. Or your new neighbor comes over for dinner and burns himself on a hot pan.

If someone is in your rental, you could be financially responsible if they get hurt. True, lots of people have health insurance. And you might think that your family and friends won’t look to you to cover it over an accident.

But the truth is, you never know what could happen. An injury could be anything from a minor cut to something more serious. And you don’t want to wait until after somebody gets hurt to find out that they view you as responsible for their medical expenses or lost wages.

One way you can help protect yourself is to get renter’s insurance with liability coverage. For a covered incident, it typically pays for instances where someone is hurt in your rental and either can’t pay the bills or decides to sue you for damages.

For more information on renters insurance and renters liability, contact Insurance Today Group. Call us toll free at: 877-643-2056.

 

Is there a difference in your car insurance premium if you’re married or single?

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Getting married sometimes makes a difference in a person’s insurance rates, but not always. It depends on several factors, like what state you live in and how old you are. The best way to find out what the effect will be on your policy is to talk to your agent or get an auto insurance quote online.If you and your partner have separate car insurance policies now, your agent might also have some helpful tips for making the switch to a joint policy.

For more information on merging, joining, or separating, policies give us a call. Call us toll free at: 877-643-2056.