As a homeowner, you face an important decision for your property: whether to purchase a garage or a carport. Both are designed to house your car, but they have different features that you’ll want to consider when deciding which to purchase.

1. Open vs. Closed

A carport has exposed and open sides. Your vehicle will not be behind a locked door, so someone could walk up to it. This is not the case for a garage, which has a door that keeps your car secure and locked away when you’re at home. This means there is little privacy with a carport, but privacy is available in a garage.

2. Size

Depending on how many vehicles you want to store, you can get a carport or a garage to fit that size. Both of these can be whatever size you need. The carport will only need a rock or concrete foundation, while the garage will need a full floor in each bay if that’s your option.

3. Weather Protection

While the carport and the garage can keep the rain off your vehicle, the garage offers full protection from weather elements. Other types of weather and debris can fly into the carport, causing damage to the vehicle, which is much more accessible than with a garage.

4. Accessibility

If this is important, you might want to consider a carport. With a garage, you need a key to get in and out, and it can be more trouble than it’s worth for some people. Carports allow you to park how you choose and exit wherever is best for you.

5. Cost

Probably the one thing that homeowners look at is the cost and what fits into their budget. A carport will be cheaper than a garage because it is only a structure with a roof. Garages have enclosed sides and garage doors, which can be much more expensive.

If you’re looking for home insurance in the area of Boca Raton, FL, contact our team at Coastal Premier Insurance Group today for more information.

Our team at Coastal Premier Insurance Group is proud to work with a number of Boca Raton FL residents and car owners to help them get them the right insurance coverage for their needs. One type of coverage that is less well-known but offers some significant advantages is umbrella insurance — and the one area where it most often comes in handy is in auto accidents.

Will Boca Raton, FL Umbrella Insurance Help Pay After a Car Accident?    

Short answer: Absolutely!

Umbrella insurance is insurance designed to protect policyholders from large and sometimes devastating liability claims or judgments. This type of insurance policy typically covers bodily injury, personal injury, property damage, and landlord liability, and what’s unique about it is that it covers it all.

This is because unlike an auto policy that only comes in play for automobile-related accidents or homeowner’s insurance that only comes in play for property-related accidents, an umbrella insurance policy can come into play in any such situation. This specialized policy will come into effect whenever any underlying liability limits, such as those from your auto insurance policy, have been met but the damages or lawsuit claims have not. 

So, for example, if you are in a car accident that was all or mostly your fault and your automotive policy won’t cover all the other driver’s property damages, then your umbrella insurance policy will enact. If your automotive policy limit offers to $50,000 property damage but the other driver seeks out $75,000 worth of claims, then your automotive insurance will pay the $50,000 and your umbrella insurance will cover the remaining $25,000 (or up to its own policy limits). 

Learn More About Umbrella Insurance

Contact our team at Coastal Premier Insurance Group to more about how umbrella insurance policies can come in real handy.

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.  

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.