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902 Clint Moore Rd. Suite 132
Boca Raton, FL 33487

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Author: agentinsure

Does Car Insurance Cover Passengers in the Event of an Accident?

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Auto insurance is something of a mystery to many people, and they often find themselves wondering what an auto policy covers. It is fairly obvious that it is going to cover your car and you in the event of an accident but does it cover passengers? If you live in the Boca Raton, FL area, the agents with Coastal Premier Insurance Group can tell you exactly what every policy covers.

A liability policy is put in place to protect the drivers of both cars involved and their passengers. Even the most basic liability policy is going to have some form of coverage for passengers within the car at the time of the accident. This is a built in fail-safe; it will help make sure that if you get into an accident, your passengers are not going to be left high and dry when it comes to paying for their medical expenses.

Many times, the state that you live in will have specific liability limits that your policy must reach in regards to covering you, the other driver, and any passengers that might be in the car at the time of the accident. In most cases, the amount of liability coverage for passengers is pretty standard with a minimum per passenger. You can always take out larger policies if you need to as well.

A full coverage policy is going to cover a larger sum and help to pay for pretty much every bill that the passengers have in the event of an accident. For you to legally drive your car, you need to take the time to make sure you have all the necessary insurance. The agents with Coastal Premier Insurance Group in the Boca Raton, FL area can answer any questions you might have about your auto insurance policies. Drop by our office or give us a call today.  

Secure your Boca Raton home with the right home owners insurance

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Buying your first home in Boca Raton, FL can be exciting, but protecting the home that you love is and should be priority. Our agents at Coastal Premier Insurance Group understand how important your home is which is why it is our mission to deliver top quality home insurance.

If you are moving into your home and haven’t considered how you will protect it from unforeseen incidents like burglary, weather disasters, or fires, allow our agents to provide you with the information you need to make the best choice for you and your family. Whether you’re worried about Florida hurricane season or break ins, we will pick the right insurance for you.

At Coastal Premier Insurance Group, we understand how difficult or complicated it can be to choose the ideal home insurance for your home. After all, this is the net that will ultimately catch you and your family in some of the most vulnerable times of your life. Our agents will walk you through the process and answer your questions and address your concerns. We make it our priority to ensure that the process of choosing home insurance is seamless and as simple as possible. Your home is more than just a place to provide shelter. Ensuring it’s safety means ensuring the safety of your property and family.

It’s never too soon to choose a home insurance policy to protect the place you call home, your precious possessions, and your family that you love. Jot down your questions, concerns, and what you want from your home insurance and bring it in to our office in Boca Raton, FL. Our agents at Coastal Premier Insurance Group will carefully guide you through the selection process. Give us a call to set up an appointment or for quotes on your home insurance, visit our website where you can try our online rating tool for quotes on your home. 

A Parent’s Guide to Buying Auto Insurance for a Teenager

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Being the parent of a teenager is sometimes a challenging experience. As if this weren’t already stressful enough, your teen is starting to drive and now you have to start thinking about car insurance. Don’t stress out too much. There are several things you can do to make the process easier, save money, and ensure your teen is fully protected. 

Focus on Academics

Make sure your teen is focused on their academics. One way to keep insurance costs lower is to qualify for discounts. If your teen maintains a higher GPA, they may qualify for a good student discount. Just remember that they must maintain their grades as some insurance providers may require periodic verification to show that they still qualify for the good student discount.

Invest in a Driving Course

Consider investing in a driving course for your teen. These courses equip drivers with the skills they need to stay safe on the road. In terms of insurance companies, successful completion of these courses will often result in a discount, and in terms of your teen’s safety, their knowledge can help reduce their risk for an accident by teaching them to be defensive drivers while navigating through Boca Raton, FL.

Research Policy Options

Don’t solely focus on the idea of getting a separate policy for your child because you think it will keep costs lower. In some instances, this is the case. However, with some scenarios, a separate policy can introduce coverage gaps that can increase your teen’s liability, which ultimately becomes your liability. Coastal Premier Insurance group wants to guarantee you are confident when it comes to your teens auto insurance because accidents do happen.

Coastal Premier Insurance Group agents servicing Boca Raton, FL can assist you with these steps and many others to ensure you are paired with the right policy to suit you and your family’s needs.

Fighting Mold In Boca Raton

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Boca Raton, FL, like so many towns in Florida, is one of those towns where you see vinyl siding on just about every house you come across. Beautiful old mansions are lined with vinyl siding. Trailers and prefabs, apartment buildings, vinyl siding, is on everything. The reason for that is, of course, the weather. The heat will have any other siding suffering extreme damages when it expands and contracts, and metal siding will rust faster than paint dries thanks to all the salt and moisture in the air.

Mold is perhaps a homeowner’s number one concern in Florida. Once mold sets into your floorboards or your roof or your foundation, you’re looking at some very costly repairs if the termites don’t turn your home to sawdust first. Coastal Premier Insurance Group can help you to cover some of the costs when you do suffer damages, but it’s best not to suffer damages. Here are some tips for preventing mold in Boca Raton, FL:

  • Check your pipes regularly. You should be checking your pipes for leaks on a regular basis. The slightest leak can turn into some major damages quicker than you might think.
  • Keep your place ventilated. If the air is starting to feel stuffy, get some room fans or check out your HVAC system to make sure it’s running well and the filter is clean.
  • Avoid wood when you can. You can get vinyl flooring that looks and feels just like hardwood.

Coastal Premier Insurance Group can help to make sure that you are covered if something goes wrong, but it’s up to you to try and make sure nothing goes wrong.

Are Hurricanes Covered Under Home Insurance Policies?

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Citizens who live in the Boca Raton, FL area are familiar with hurricanes. Living on the coast of a peninsula means that people need to be prepared for natural disasters such as hurricanes. This means purchasing water, non-perishable food, and staying up to date with emergency disaster plans in the case of an approaching hurricane; however, many people neglect to prepare their home for a hurricane as well. People living in the Boca Raton, FL area need to know whether or not potential damages from hurricanes are covered under their home insurance policy. Important information from Coastal Premier Insurance Group is summarized below.

Most home insurance policies include coverage for water damage. This includes damage from a busted pipe, torrential downpour, but not hurricane damage. Hurricanes bring winds in excess of 75 MPH. A category five hurricane brings winds in excess of 150 MPH. These are major winds that can launch cars, trees, and other heavy objects that can do major damage to homes. If people are not covered for wind damage under their home insurance policy, they could end up paying for the repairs on their own. This can cause major financial stress for any family. Citizens living in hurricane-prone areas should ensure that they are covered for wind damage in addition to water damage. This will protect a home in the event that a hurricane strikes.

People with questions about their policy should contact an experienced insurance agent serving the local area. An experienced insurance agent with Coastal Premier Insurance Group will be able to provide the professional guidance necessary to keep a home protected in the event of a hurricane. Ensure that all important belongings are protected with the proper home insurance.

Homeowners Insurance in Florida

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Homeowners insurance protects a property owner from costly out-of-pocket expense for repair and replacement of a home after a hurricane. When natural disasters strike, the benefits of a homeowners insurance policy covers expenses arising from repair and replacement of property. Homeowners insurance coverage also protects a property owner from legal liability. If a guest should sustain an injury during a visit, subsequent medical bills are covered.

Disaster Risk Protection

A home is a major investment that should be protected by a homeowners insurance policy. Florida homeowners insurance policies protect a property investment after a disaster. Insurance coverage pays for repairs to property damage, as well as the interior contents of a building. Protect your property and your finances with a homeowners insurance policy.

Liability Risk Protection

If a guest slips and falls, a property owner may be forced to pay for unexpected hospital and court costs. Negligence rules to liability oblige a homeowner to pay for guest injury. Homeowners insurance coverage compensates a guest who has been injured, by paying for a claim. Medical bills and legal fees are all covered with homeowners liability insurance.

Homeowners Insurance Coverage

Comprehensive Coverage – a full-coverage insurance policy covering property and liability damages from disaster or other risk event.

Individual Coverage – covers debt obligations and outstanding mortgage finance at time of accident or death.

Packaged Indemnity Agreements – insuring real property and personal effects in case of disaster damage or theft.

Combined Life Coverage – homeowners insurance and life insurance combined in a single policy, covering property, liability, and end-of-life expenses and benefit to beneficiaries.

To find out more about homeowners insurance policy claims, premiums, grace periods, and terms and conditions in Florida, and obtain a quote, contact Coastal Premier Insurance Group, Boca Raton, FL.

Buying Auto Insurance for the First Time

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Auto insurance can be a very difficult thing to traverse if you are not at all sure what type or amount of coverage you need. For those in Fort Lauderdale, FL, Coastal Wealth Insurance LLC and their helpful agents can find the right coverage for you, even if you are a first-time insurance buyer. Buying insurance for the first time can be tricky but with the right information, anyone can find the coverage they need.

What is Basic Coverage?

Basic coverage is what you are required by law to have on your automobile. This is liability coverage to help cover medical cost and deductibles if you are in an accident. Each locality is going to have a different set of laws and requirements that you must meet in order for your car to be street legal. It is important that if you are a first-time insurance buyer, you talk with an agent that knows how much insurance you need, what type of policy you need, and how to get you the coverage required for your car to be street legal.

Full Coverage

For those that are buying a new car or that are going to have a car with a lien or loan out against it, it is going to be necessary to have full coverage. This is going to cover the cost of medical bills up to a certain amount, the cost of your deductible, and the cost of replacing your car. There are tons of different levels of full coverage insurance and for first-time buyers, it is always helpful to talk with an agent. If you live in the Fort Lauderdale, FL area, the agents at Coastal Wealth Insurance LLC can help you find the coverage that you need to be legal and to be covered.

 

Florida Residents: Is Your Home Insurance Ready for Winter?

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Home insurance is important all year ’round, but perhaps the most important time of year to get it if you are still an uninsured homeowner is during the winter. Boca Raton, FL may not be the coldest place in the United States, but there is still a risk that the coming winter season could cause some serious issues for you.

One of the worst thing you can have happen to you is to have someone experience an accident while on your property, especially if you are not properly insured. Were that to happen, you could be up a creek without a paddle, leaving you stuck carrying the bill for the person’s medical expenses, their lost income, and possibly pain and suffering. So you should try and get yourself covered by a quality homeowners insurance plan before something like this occurs.

There is, of course, also a concern about experiencing damage from winter weather. For instance, if your home is poorly insulated, it is a very real possibility that your home’s woodwork and indoor furniture could suffer from the dry weather brought on by the colder temperatures. Not only can this cause you to incur heavy expenses, you may lose irreplaceables, such as mementos left behind from late family members. While homeowners insurance will not make up for the loss of an irreplaceable object, it is at the very least nice to know that your financial interests will be adequately covered.

If you are a resident of Boca Raton, FL and are in need of assistance getting  yourself set up with quality homeowners insurance, you should absolutely consult the staff at Coastal Premier Insurance Group, Inc. who will help you find the type of insurance plan that works for you – both in terms of your budget and your specific needs and concerns – in just minutes. Either way, get it done before the perils of cold weather blows in.

4 Tips to Understanding Boca Raton Home Insurance

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Living in Florida definitely has its perks, but it can also be rather expensive to do. Home insurance in Boca Raton, FL may seem like just another expense on your monthly list of bills, but it’s really an active part of keeping yourself and your family safe. Find out more about how you can understand it.

1. The specifics are yours

Your policy is made for you, meaning it can be altered or changed when you need it to be. If your home (or the possessions inside it) goes up in value, then that’s not something your home insurance provider can possibly know. You have to make them aware so that you can be sure all of your new things are covered from literal and metaphorical storms alike.

2. It’s not rocket science

The clauses themselves may seem like they’re written in another language, but the terms actually need to stay somewhat generic. It’s impossible to think of every situation that may occur! However, as long as you think logically through it all, then you can reason your way through different situations so it’s less of a mystery.

3. Know your neighborhood

The Coastal Premier Insurance Group knows just how devastating weather events and criminal acts can be, so it’s worth it to know your major risks in Boca Raton, FL. You may not want earthquake insurance perhaps, but hurricanes are a different story.

4. Find someone who can answer questions

The Coastal Premier Insurance Group wants to be there for you, so you don’t have to assume too often. We have the agents who are here to answer your questions, and ensure that you walk away with at least a good understanding of what it is covered and what isn’t. Call today for more information!