Why an independent agent?

Why an independent agent? When shopping for auto insurance or business insurance, most people are unaware that there are different kinds of agents they can work with.

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Basic Terms Miami Insurance Policy Holders Should Understand (Including Deductibles and Premiums)

Insurance can bit when first reviewing your policy. From car insurance Florida has or to business insurance, there is a multitude of terms that may be unfamiliar. Premiums, deductibles, co-pays, and limits are easily explained. Review the terms to be in the know.

In short:

Premium: What you pay monthly to maintain insurance

Deductible: The amount that must be paid before insurance steps in for the rest

Co-pay: Fees outside the deductible that is owed as a cost for routine services

Limit: The highest amount an insurance company will pay for a claim



A premium is what you pay monthly to maintain insurance. Having insurance is needed from business to boating to have solid peace of mind. This payment is needed on a consistent basis to maintain insurance. Employer-based plans can deduct premiums from paychecks and the government will consider it pre-tax dollars. Those with independent policies, such as freelancers, may pay premiums as they do their taxes: annually or quarterly. Health insurance premiums may differ depending on the plan and pre-existing medical conditions.


Deductibles are the amount that must be paid before insurance steps in for the rest. In the car insurance world, if a collision causes $3,000 of damage to the policyholder’s vehicle and their deductible is $500, the policyholder will only have to pay $500 for the total repair. The auto insurance company will pay to pay the remaining $2,500. Increasing deductibles can be a smart way to save money as it can greatly reduce the cost of repairs. A yacht policy dictates that the percentage of the worth determines the deductible.

Your health insurance deductible is the amount that you will have to pay annually for your healthcare (such as surgical procedures, blood tests, or hospitalizations — but not some routine care) before the health insurance pays anything.

For example, if you have a $2,500 deductible and undergo three $1,000 procedures in a year, you will have to pay the full bill for the first two procedures and $500 of the third … your insurance will cover half of the third procedure.


A co-pay is a fee outside the deductible that is owed as a cost for routine services. Payment will be relatively the same regardless of the extent of the visit or the price of the prescription. Plans will have to define what is considered a routine service.


A limit is the highest amount an insurance company will pay for a claim that your auto policy covers. A limit of $ 15, 000 will cover the said amount in the event of a collision. However if the repairs add up to $17,000, the overage will be paid out-of-pocket. The higher coverage limit equals to a higher payout for a covered loss.


Review the most commonly misunderstood terms and how they apply to the different forms of insurance to be informed and gain the ability to decipher policies without breaking a sweat.

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Stay Safe with an Alarm System and Smoke Detectors

Part of the American Dream is to be a homeowner. Pickets fences or a pool may be part of the vision, but with everything that is worth having, there does need to be a form of protection. From hurricanes to fires, insurance is a must while exs such as an alarm system alongside a smoke alarm can give you total peace of mind.



Just as with real estate insurance rates for home insurance depends on the location. The type of house, whether it be historical or built on former swampland, may necessitate a different type of coverage. Coverage does not just protect the structure; it protects with the valuables within from loss or damage as well as residents. Fires, tornadoes and hurricanes are covered, but flood coverage is extra. Homes that have a security system earn a discount based on the features. A monitored system will result in a steeper discount than one that goes unmonitored. Discounts between 10-20% can be expected for a functioning home alarm system.



Human barriers

Most people purchase a home security system because they understand it will protect them from intruders. Homes that have an alarm system are 2.7 times less likely to be targeted as some invasions are inside jobs. An alarm can alert those within the home that an unwelcomed guest is present in either a piercing noise or flashing lights. With this early detection, intruders can run off as case studies have shown that spooked intruders are more likely to become aggressive to compensate for being caught off guard.


Constant monitoring

A system can act as a constant monitor. Whereas people used to ask their neighbors to watch over their houses when travelling, there are now apps tied to alarm systems that allow for 24-7 monitoring. These virtual minders can detect heat and people looking in the windows. One also crucial task is a system can gauge levels of carbon monoxide within the home to prevent tragedy.



A spark can turn into a fire within thirty seconds. A smoke alarm can now detect the spark and raise the alarm before it can spread. It is no longer enough to warn of smoke, smoke systems can now warn homeowners of heat sources and put in a call in to the fire department in conjunction with an alarm system.


Safety considerations

Pets that have been left home alone will panic should an intruder or a fire break out. Give them the best chance of survival with an alarm system. Basements and attics are less used and therefore prime targets for intruders. A system will eliminate the fear of checking these areas at night. Home fires are reported every twenty seconds which is the third cause of fatal home injuries. Prime time for a robbery is between ten o’clock in the morning and three in the afternoon when most responsible homeowners are out working or picking up children from school.



Protect your home and family with an alarm system to ward off intruders and to alert authorities to situations. Smoke detectors will make getting out of a home much easier. Life is wonderful and protect yourself with the wonders of modern safe keeping with the best insurance Miami has to offer!


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Top 4 Ways Having Insurance is Imperative

Life is wonderful, but it also has unexpected moments that can be challenging. Insurance is here to help with health, car insurance Miami needs with crazy drivers, and boat insurance Miami is buying to kick off the summer season as well as home with the prime season for hurricanes. Not having insurance of any kinds poses great risk to health and finances. While all occurrences in life cannot be in our control, the ones that are should be taken care of so as not to dampen the beauty of being alive.



Eating right and exercising is a great way to take care of your health. Not having health insurance, especially as one ages is a disaster waiting to happen. Lifestyle plays a role in health, but genetics can be equally as powerful. Those that may not be aware of their medical history either through adoptions or other means may not know that they are predisposed to gallbladder disease, for example. There should be no such thing as taking chance with your body. Unexpectedly an attack may happen and it will cost thousands of dollars in tests to decode the pain and much more for surgery that can decimate savings. While affordability is a major consideration, health insurance prevents possible financial ruin with a small payment every month.



Miami has some of the most daring drivers in the nation. Expressways can be an adventure during peak hours. With some many coming from other countries, car insurance may not be a top financial priority. However, not having updated car insurance can result in a major headache. Car insurance policy holders may be liable for not only medical bills, but legal ones as well as expenses for pain and suffering. In a city with so many uninsured drivers, it is best to always be protected.




In the midst of year-long summer, boating is a popular recreational activity. Be covered from vandalism to collisions with just a few payments. Boat insurance rates vary by state, but it is dependable coverage that takes the worry out of rough seas and returns life to smooth sailing. While states may not require a boat to be insured to be deemed seaworthy, specifics of a bank loan will require protection on their investment in the form of a detailed policy. Boats that are worth more much than a few planks of wood tied together require more coverage and additional features.




June marks the season of hurricanes. Those that lived through Hurricanes Andrew, Wilma and Katrina understand the devastation that can ensue even with insurance. If a big one hits, paperwork may fly away making it harder to decode a policy. It is best to review coverage before the season starts and if necessary to purchase additional features. A separate deductible, an amount deducted when a claim is paid for by the insurance company, may exist in coastal states. Triggers for weather events such as hurricanes may be found on the declarations page(s) of a policy.




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Boat Insurance Miami Scoop

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Boat Insurance Miami Scoop

The high seas are calling your name. A boat, the preferred vessel of sea voyaging, is needed in order to enjoy the summer months. As you invest money on the must have of the hot season consider purchasing boat insurance Miami knows you need to prevent more than a rainy day from happening.


A boat is similar to a car insurance Florida and the rest of the nation have in that you can take in whomever you want. In doing so, you assume the responsibility for their safety. If an accident happens, your insurance will cover part of their medical expenses up to a certain point. Insurance will also cover lost income, pain and suffering and legal expenses.


Anyone can drive your boat with express permission from the owner. By handing over the keys, the owner assumes liability for damage that is incurred. These range from running aground to a collision.

Damage and liability

Repairs and replacements are covered, but the owner is responsible for towing a damaged vessel as well as paying for wreckage clean-up costs. Additional coverage may be purchased to deal with these necessities. If a boat collides with another boat, a dock or other structures, the collision is covered with insurance.

Vandalism and additional coverage options

Boats, whether kept in a secured marina or at home on a dock, are subject to vandalism. They are also susceptible just as a car, to be stolen. Insurance covers these events as well collisions. Fishing equipment, oil spills, and uninsured boaters are all covered with additional features on a policy.


Claims depend on a few details. Deductibles and limits are big factors. Most owners are not aware if their insurance covers the actual cash value, replacement cost or agreed upon value. Review policies to be in the know.


Once a boat has been purchased, the next step is to determine the coverage needed. Maximum out of pocket expenses, aka deductibles, and the additional features desired should be communicated. This should be decided as soon as possible. Florida residents should purchase additional hurricane coverage as well.


If a boat accident occurs and there is damage to both boats, insurance coverage will go into effect. If you are at fault, depending on state laws, liability insurance would kick in and cover damage up to the limit of the policy. If the other driver is at fault, his insurance would pay for the damage up to the capacity of their coverage.


Uninsured watercraft does pose an issue. Car insurance is a must while boating insurance may not be a top priority for some. Major financial loss should be a motivator for coverage, but some believe that they are fine without it. With this concern, policies do contain a provision for uninsured boaters and their effect on the claimant. Make sure to review this aspect of the policy with your agent.

Set sail this summer with the inside scoop on boating! Have fun.

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Tools to Keep in Your Car Safe and Your Auto Insurance Florida Rates Down

In the time before cell phones, horror movies could be expected to start with a car breaking down in the middle of nowhere and miles from a phone. Nowadays we all have cell phones, but it may not be enough in an emergency. The time to prepare for a vehicle emergency is before you even step into the car. Be prepared for most events with some foresight.


After making sure you have your registration in the glove box, make sure you also have room for a few necessities. An old cell phone may not be something you think of, but should. All mobile phones can call 9-1-1 regardless if it is linked to a carrier service. Having an extra one handy can be vital. A hammer is also an excellent tool to have, even if you have power windows rather than manual ones. If your car veers into a canal, a hammer can easily shatter the windows. A small flashlight will also come in handy as would a pair of gloves to Fix-a-Flat or add mechanical fluids.


The trunk of your car can be an excellent place for an emergency kit as well as other items. Store a larger flashlight in the trunk that can illuminate the night if you need to change a tire. It is much better to have two flashlights, but given the choice, a more sizable one should always be stored in your vehicle. Jumper cables are a must if your car dies and a friendly motorist is willing to help. Miami auto insurance sees multiple pile-ups because of just one blown tire. Deflated tires on the expressways can be terrifying, pull over and apply the can of Fix-A-Flat you have one handy. While a spare does belong in your car from the first day you take ownership, having this item in your car can provide peace of mind.


A blanket can provide warmth or help in the case of bodily injury. Bottled water can help if stuck out in the heat or you have small children as passengers. Protein bars or crackers can always be gifts in a stranded state. In colder climes, a snow shovel and kitty litter can help break up snow piles if they are blocking your mobility. Some motorists have rope in their trunk as well as tape. Choose your arsenal depending on where you are traveling.


Paramedics and officers will need to reach loved ones in the event of a true emergency. Program your phone to have one contact as ICE (in case of emergency). This step is key if you suffer from a medical condition that could hinder first responder treatment. An additional hindrance can be locked phones so consider unlocking your phone while driving.


Being prepared can prevent a true emergency in most cases. Stock your glovebox with a hammer, old cell, gloves, and a small flashlight. Always keep your registration handy, but make room for these necessities. Your trunk should be the main focus of your preparation. The vitals are a large flashlight, jumper cables, and a can of Fix-A-Flat. Consider also storing water, non-perishables, and a blanket. Your phone can also be a tool by creating an ICE contact and unlocking while driving. Stay safe by planning before an emergency even happens.

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Standing Under the Umbrella: What Home Insurance Covers

Home insurance policyholders may not be aware of what their coverage entails. They may be in for a shock when they call to make a claim and hear that they damage that has been incurred in not the responsibility of their policy. In 2005, the catastrophic event of Hurricane Katerina decimated New Orleans. Lives were shattered and many homeowners had to climb on roofs to be rescued when the levees broke. That was only the beginning. What many residents did not know was once the waters receded and their homes dried in the sun was that a multitude of policies did not cover mold or flooding. Many had to forfeit their homes, thus altering their lives. Unfortunate events happen, whether in nature or an act of terrorism, but your home insurance may not cover the damages. Be aware of what you are liable for by reading the exclusions and declarations sections carefully.


Home insurance policies do not cover flooding unless a policyholder pays for the additional protection. Water damage can be an issue when a pipe bursts or there is a torrential downpour. This industry standard was a direct result of 1968 Congressional legislation, which sought to lower nationwide premiums as victims of flooding in parts of the country raised the rates for the nation. As a way of keeping balance, policyholders must seek out separate coverage. This separation applies to catastrophic events and burst pipes which can cause quite a bit of damage. Those having insurance, Miami in particular, should read their policies to discover the degree to which water damage is covered. FEMA does provide flood insurance through the National Flood Insurance Program.


Spores can result in property damage. Mold grows where is warm and damp. Perfect breeding grounds are the shower and basement. It is rare to have such a situation as residents of the house can grow sick from it. Those with allergies and asthma are particularly sensitive. The main concern of insurance companies is a severe growth can render your house unlivable and thus unsellable. To prevent a plague of mold check pipes for leaks and always be alert to high-risk areas that may need airing out. Mold is perceived as a maintenance issue.

Nuclear accidents

When a person chooses a home, they are also aware of its location. Homes needs airports and the railroad may not be high on the list of wants. Prices may be lower, but in the end, purchasing a home is a choice. Residences near nuclear sites and nuclear accidents, in general, are not covered by home insurance policies. Some policies will pay for evacuation costs, but not for the mortgage and normal living expenses.


A home insurance policy is one of the most financially responsible decisions a person can make. Declarations and Exclusions are carefully detailed in your official paperwork. Flooding via a burst pipe or a natural disaster is not the responsibility of your policy as it will not cover water damage to any degree unless additionally coverage has been purchased. Mold can also be excluded as it is seen as a maintenance issue. Check high-risk areas such as showers and basements. Nuclear accidents can not be the fault of anyone, but a policy may only cover your evacuation costs. Carefully read your policy to prevent any upsets or misunderstandings.

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Expectations from Miami Auto Insurance Coverage

They say great expectations can lead to bitter disappoints. Given that there are 200 million cars on the road, car insurance is the first smartest way to protect yourself in an unfortunate event and the second bright thing to do is to be fluent in what your policy will cover. The best way to counteract any “surprises” is to be knowledgeable before signing any dotted lines. In Florida, auto insurance covers quite a bit, but the policyholder needs to be aware of what is protected. Additional protections can be included for small fees, if needed. Keep in mind that 30% of motorists on the road are uninsured. Be aware of what your car insurance handles at the start rather than trying to figure it out after an accident or a totaled vehicle. Read all sections to prevent any misunderstandings that can cost you money in the end. Knowledge is power.

Coverage expectations include:

  1. Bodily injury liability
  2. Property damage liability
  3. Collision coverage


In essence, bodily injury liability spans injury and death claims and the event of maiming or death. One only has to pay for health insurance to know that medical bills can escalate quickly, especially in the event of long-term care. Passengers or driver in your car or the struck vehicle needs to be covered. Bodily injury coverage allows for you not to be financially responsible for grave injuries. Even minor accidents can lead to a lawsuit by the other party to cover their health expenses. Bills can add up so pay your insurance every month to prevent bankruptcy from medical bills or subsequent lawsuits.


Car accidents can happen anywhere where there is a road. Because of this, some policyholders may not know that most car accidents happen within twelve miles of their home. Given that most Americans live in the suburbs or a city center, property damage can be incurred from fences to walls. Trees can be struck and can cause major damage to any objects in their path. Your car insurance covers property damaged when your car careens off the road or strikes a solid object.


Some drivers try to hit and run, particularly if they have a suspended license. Collision coverage covers damage to your car up to its book value. Your car depreciates after you driving it off the car lot and car that cost $20,000 may only have a book value of $12,000 after a few years. Insurance copies will not cover your car for what you paid for it, rather what its worth would be at the time of impact. Collision cover also carries a deductible, the amount per claim required before the insurance steps into the situation. A low deductible equals a higher premium and vice versa.


Always be aware of what your policy offers in the event of an accident. Bodily injury liability tends to injury and death claims that could result in legal costs. Property damage liability deal with the impact your vehicle may cover in the event of an accident. Collision coverage accounts for damage to your car up to its book value. Be smart, read over your policy before it is necessary, especially before paying for any coverage.

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Phoning Home: When to call your home insurance provider

Humans are a resourceful bunch. Since the dawn of civilization, insurance has existed in one form or another. Close knit communities formed as a way of dealing with the unexpected. If a house burned down, neighbors were expected to care for the family as the home was being rebuilt. With the dependence of technology rather than a community to help, car insurance Miami has come to the rescue in addition to home insurance.


The math of the policy

The general rule of thumb is to make a claim only every ten years or your rates will increase. This rules helps prevent fraud and the hysterical from constantly being on the phone with agents. Every claim can trigger a premium increase, so it is best to be discerning. Major damage should be reported rather than those that are minor in nature.


Repair or replace

To keep rates low ask yourself when you could repair or replace something on your own. This concept is not to say that you should not call your insurance company, rather it is just a way of maintaining your home. If a storm comes into your town and breaks a few windows, you can pay for the repairs out of pocket should the project cost less than your deductible. Consider filing a claim only when repairing or replacing is too much for you to handle on your own.


A fire that requires the police and firefighters should be made known as it relates to your policy. Any event that requires outsiders to deal with should be reported. Most of the time a small grease fire can be addressed a few coats of paint and consistent ventilation.


Your home is a real possession. With that in mind, maintenance is key to providing a safe environment. Clean out gutters and secure shelves. These tweaks can save you major hassles in the long run. Once a year, most do it during the tradition of Spring Cleaning, inspect your home.


Some homeowners have priceless works of art that need permission to rearrange. If stolen or damaged the policyholder must tell their agent immediately. In this particular case, the theft would most likely be more than the deductible.


Most policies have exclusions. They may exclude mold, acts of terrorism, flooding, and sinkholes. Be aware of what exclusions may be and how they fit into your region. A home in Miami, Florida requires hurricane coverage. A home in California needs to be concerned with wildfires. Read up on the exclusions may be surprising.


Home is where the heart is. While we no longer live in the mind frame that our neighbors will help us out, insurance gives us that much-needed peace of mind. Claims should be filed if the repair or replacement value exceeds the deductible. In essence, minor damage can be handled privately, while major damaged should be phoned in right away. A good rule is to make a claim if police or firefighters had to be called in to handle the situation.

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The workplace what you should know

The workplace is where American workers can expect to spend at least a third of their day. Eight hours with co-workers and bosses is strictly regulated by the federal government to prevent discrimination in any form. Below are the top five claims of bias in the workplace.



Almost half of workplace discrimination claims filed alleged that someone was making it personal. No one wants to be told on in grade school. Adults in the workforce may not have left their primary school tendencies with naps and swing sets. If an employee initiates a claim against a manager or a co-worker, it should be expected that a complaint would be dealt with fairly without fears of repercussions. A worker cannot be demoted or fired because they filed a claim or participated in testifying. In a perfect world, the higher-ups would deal with the matter fairly; however, this is not the case given the high number of retaliation claims. Interpersonal conflicts are of concern as bad behavior can bring down an agency or corporation. If a worker files a complaint against a manager and it is placed in their personal file to be referenced when applying for promotions, it is deemed to be retaliation.


America is experiencing a surge in media coverage of racial tension. It has existed for generations and is making strides to be ameliorated. Discrimination based on race involves skin color, hair texture, and facial features. Workers cannot be fired, have decreased pay, or be devalued in any way based on their race. Slurs, hateful symbols, and or derogatory remarks become a problem when they become consistent and create a hostile work environment. McDonald has had ten African-American workers file a claim against the organization in 2015 after a franchise owner who described them with offensive adjectives demoted them. The case is ongoing.


Wounded veterans and those born with physical challenges may experience overt discrimination during the hiring process. Reasonable accommodations are legally expected to allow workers with physical challenges the right to sustain a livelihood unless it is cost prohibitive. If a worker is physically challenged and needs an elevator to be mobile in the work area, an employer that does not have the means to provide one cannot be accused of discrimination. Business insurance can address injuries that result in the workplace such as with equipment or related injury. These can also include workers with cancer, ADD, and other impairments that hold them back for hiring, promotion, or gainful employment.

Gender based

The workforce regularly preaches against harassment. Belittling someone for his or her gender or sexual orientation is discrimination. In recent years, transphobia and transgender discrimination has also come to the forefront. Making someone a consistent target for jokes or withholding promotions and/or benefits is biased based. Be sensitive to the issues surrounding gender, both born and preferred to prevent a claim of this nature.


Retirement age was once declared at sixty-five. A worker could expect to put in their years and receive a gold watch before enjoying their golden years. Social Security benefits have been under duress resulting in the workforce becoming older. Seniors may have costs such as home insurance or acquiring guardianship over grandchildren who are putting a financial strain on their retirement savings. Some employers prefer younger workers as they are perceived to be malleable and may have more working years ahead of them. An additional concern with hiring senior workers is the construct of their pensions as well as retirement benefits.


Discrimination is a serious matter in the workforce. Avoid perceived retaliation. Bias based on skin color or facial characteristics is unlawful. Provide reasonable accommodations for those with physical challenges. Be sensitive to issues centered on gender and sexual orientations. Finally, be aware that senior workers are valuable and should receive the same possibility of advancement or security as their younger co-workers.

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Steps to take after a car accident

A car accident is a terrifying experience. The noise, the glass, and the panic can make each second feel like an hour. Even fender benders need some pre-planning so you can spring into action to physically and financially protect yourself in the unfortunate event of an accident. The best car insurance Florida provides will help with your accident, but you must take these steps to speed along the process.


Be prepared

The time to start planning for an emergency is not while it is happening. Be prepared by getting your documents ready. Place your insurance card and any pertinent medical information in your glove box. Keep your insurance current. If you have medical issues, make them known. Having your gallbladder recently removed or having an allergy to codeine is crucial for paramedics to know. If you think that by having your info in your wallet is enough, consider that a wallet or purse can tumble around in an accident while a glove box will remain stable.


First step

If you can move after a crash, move to the accident lane. An injury can prevent you from moving; stay in the car as immobile as possible until help arrives. Being immobile on the expressway may add to your anxiety, but a minor injury can be elevated to serious in nature with a few small movements. Move to the designated accident lane, or at least not in the middle of the road. Get out of the flow of moving traffic.


Stay quiet

Being angry is a natural reaction to someone hitting your car. Keep your emotions in check; what you say can be held against you. A polite apology will be interpreted as an admission of guilt. If you rage against the other driver, however justified, your mental state can be questioned. Promptly move to the next step and remember that staying quiet in your best option after asking if the other driver and/or passengers are okay.


Exchange information

Yes, it can be awkward to ask for information after an emotional experience. Stay calm and ask for the following list:

  1. Name
  2. Address
  3. Phone number
  4. Email
  5. Make of car
  6. Model of car
  7. License plate number
  8. Insurance carrier
  9. Insurance policy number


Take picture

After an accident is no time for selfies, but it is a good opportunity to whip out your iPhone and document the damage. Technology can be a blessing when you need proof. The other driver may not appreciate it, but take as many pictures as possible of both cars. A video may be best if the other driver is not cooperating. Wait for the police to do so, if you feel it is best.



A car accident is a scary experience. From fender benders to much worse, you must be calm and know your next steps. Have essential information in your glove box. Leave relevant medical information and besides your Miami auto insurance card, a valid Florida driver’s license should also be there as well. Get out of the flow of traffic. Keep emotions in check. Exchange information and document as much as possible.

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Insurance is a necessity of modern life. Coverage is available for businesses, autos, home and p

Most people do not understand the intricacies of electricity; they just flip a switch and enjoy

The workplace is where American workers can expect to spend at least a third of their day. Eight