Do You Need Separate Boat Insurance?

Across the US, some 80 million people in enjoy recreational boating and Florida leads the nation with almost 1 million registered boats. According to WESH news in Orlando, the top 3 Florida counties with the most boating accidents are Monroe, Miami-Dade and Pinellas County, with Palm Beach County following closely behind. 

Many boat owners mistakenly assume their homeowner’s policy will be sufficient to cover their boat. Homeowner’s policies generally provide very little coverage for boats beyond a small sailboat. Any boat with an engine merits a separate insurance policy designed specifically for the liabilities involved with boating.  A boat insurance policy will cover you if someone is injured on your boat, and will also provide for either replacement cost or cash value in the case of a total loss of your craft. Your boat coverage will likely also provide coverage for bodily injury sustained by others from your boat. It can also include property damage to docks and other boats. Additional coverage available insurances against theft, fire and flood, vandalism, personal property onboard, or even towing coverage either at sea or roadside if required.

We can help you find out if you can save money by a boat policy with your either your home or auto insurance, and find the policy that will suit your boating lifestyle.

Understanding Deductibles...

Are you muddling over health insurance options? Are you confused with the insurance industry's terminology and lethargic contracts? We've published free resources to help you navigate the health insurance process. Most insurance policies require you to cover part of your health expenses yourself . The portion covered out of your own pocket is called the "deductible". This money requirement is paid before the company pays anything. Under some policies the deductible is annual, and you pay only once each year if you use the insurance. Under others, you pay the deductible each time you have an illness or injury. In choosing insurance, you should think carefully about how much you can afford to pay out of your own pocket each time you are sick or injured, and weigh the deductible against the premium before you decide. If you have questions about health insurance we're here to help.We can assist you in finding the right coverage for you at the right cost for your pockets. Visit our Health Insurance Resource page for more information on health coverage.

Insurance Tips: Ways to Save on Auto Insurance

The requirements of auto insurance vary from state to state. Some states demand more coverage than others.  Before purchasing auto insurance be sure to check the legal requirements in your state and read these tips on how to save on Auto Insurance.

Ways to Save on Auto Insurance
-Keep your driving record clean. The more faults you make, the higher the premium.
- Installing security devices such as car alarms, air bags, and other safety devices will generally lower your premium.
-Raising your deductible can help you lower your premium amount. But you should be ready to pay more out-of-pocket if you meet with an accident.

Property Insurance Pitfalls: What's Liability?

Liability is an extremely important provision inside your property insurance. This provision extends to a certain extent for neighboring homes or guests of your residence. If your home burns down and the fire spreads to the house next door the additional home should be covered. Liability also comes to assistance if a guest is injured on your property.

Get General Liability Info HERE