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12750 SW 128 ST Suite 210
Miami, FL 33186

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Prestige Insurance Group Inc Blog

The Importance of Having a Roof Inspection After the Winter Months

As a general rule of thumb, it is strongly recommended that you have your roof inspected in the winter months. This is to help find damage that was caused by ice, snow, and other inclement weather. However, Miami, FL does not have this type of weather, which leaves many homeowners wondering if they really need a roof inspection when winter is over.

Here at Prestige Insurance Group, we strongly recommend that you do so. 

Should You Have a Roof Inspection After the Winter Months?

Yes. While Miami is not known for having icy conditions, what it does have is hurricanes. Hurricane season generally lasts throughout the late fall months. Hurricane season produces strong wind gusts, and these wind gusts can be damaging to your roof. Having a roof inspection helps to catch any roofing issues that may be present.

A roof inspection can also be vital in determining whether your roofing issue may be caused by an event that is covered by your home insurance policy or not. Additionally, it is important to have your roof inspected after winter because spring weather brings a lot of rain. Having your roof inspected after winter helps to ensure your roof is ready to go when wet spring weather hits.  

Reach Out To Us

Having a roof inspection completed can help ensure your roof is in good condition and can help catch roof issues that your home insurance policy may cover. Here at Prestige Insurance Group, serving the greater Miami, FL area, we can help you find the right insurance policy for your needs. If you are looking to price out a new insurance policy, reach out to us and let us provide you with an estimate. 

How is Classic Car Insurance Different from Auto Insurance?

There are many different types of vehicles on the road that need different types of insurance. Cars you drive routinely need auto insurance, trucks require trucking insurance, company or commercial vehicles need commercial auto insurance, and classic cars need classic car insurance. Prestige Insurance Group, serving the greater Miami, FL community, is here to help you understand classic car insurance and how it differs from auto insurance.

What is classic car insurance?

Classic car insurance is a type of insurance for cars that someone would define as classic or antique. These cars are worth a lot of money but are not the type of car for everyday use.

Classic car insurance includes different types of coverage similar to auto insurance. These include comprehensive and collision coverage, liability coverage, and property damage. Most insurance companies have requirements you must meet to qualify for classic car insurance. Some of the requirements include the following:

  • The car must be at least 25 to 30 years old
  • You cannot use it as an everyday vehicle
  • You preferably need to store your car in a safe, covered location
  • The driver must have a regular car with auto insurance coverage

What makes classic car insurance different from auto insurance?

Although classic car insurance has similar coverage options to auto insurance, there are some differences. Regular auto insurance takes into account depreciation, the age of the car, and mileage to determine how much the car is worth. With those factors, we would label a classic car as essentially worthless according to an auto policy. With a classic car policy, we use a different approach. We communicate with the car owner and use the value we agreed on.

Get Coverage For Your Classic Car Today

Contact us at Prestige Insurance Group in Miami, FL for more information about classic car insurance.

Three financial risks that renters insurance can allow you to address

Renters insurance is important for those who rent an apartment or home in Miami, FL. You can come to Prestige Insurance Group to get the renters insurance coverage that you need.

Here are three financial risks that you can avoid if you invest in a renters insurance policy:

Renters insurance covers the personal belongings within your rental unit

If your rental unit becomes damaged, you could lose valuable personal belongings. By purchasing renters insurance, you could be compensated for any losses you face due to an accident that destroys your valuable personal belongings. 

Even if your landlord carries commercial insurance, you still might not get your personal belongings covered in the event of a natural disaster that destroys your rental unit. 

You could face liability expenses if an injury occurs within your rental unit

Those who rent a dwelling could face a lawsuit if a guest experiences an injury in their rented home. Fortunately, a renters insurance policy will provide funding for lawsuit expenses to a renter in this situation. 

It could be costly to pay for temporary living quarters if your rental unit is suddenly uninhabitable

Renters could face financial hardship if a natural disaster makes the home in which they live uninhabitable. Unfortunately, renters will not typically enjoy insurance coverage to cover the costs of procuring a temporary dwelling in this situation.

Renters insurance usually provides coverage for the expenses of acquiring temporary living quarters if the policyholder’s rental unit is rendered uninhabitable. 

Contact Us Today

If you have any questions about getting renters insurance for your home, contact Prestige Insurance Group. We provide quotes and information to renters in Miami, FL so that they can protect themselves against financial risks. 

RVs Need Insurance Too – Make Sure You Have It

Don’t allow your vacation to be ruined because you don’t have insurance on your RV. RV insurance will protect you if you cause damage or injury to another. It also covers costs associated with damage to your vehicle if a covered event happens. Let the Prestige Insurance Group, serving the Miami, FL area, explain the variety of coverage that exists.

Why RV Insurance?

The biggest difference is based upon how you use your RV – recreationally or as a full-time residence. There are differences between traditional auto insurance and RV insurance. When you purchase RV insurance, you will be asked how often it will be used and in what way. Then you select the coverage that will best protect you and your vehicle.

Options include liability, comprehensive, collision, underinsured/uninsured motorist, and RV towing insurance. Typically, the more coverage you have, the higher premium you pay.

While your auto liability covers you for accidents while driving the RV, vacation liability protects you to cover accidents occurring in or around a parked RV while on vacation.

RV insurance may cover theft depending on the type of RV coverage you have. If your policy includes comprehensive, the theft of your RV and components that were part of the RV at the time of purchase, such as folding beds or cabinets, may also be covered.

A standard home insurance policy may cover your personal belongings that are stored inside the RV, such as dishes, clothing, jewelry, and firearms. But it does not cover damage or loss of the RV.

Typically, RV insurance is less expensive because they have fewer claims, drive fewer miles, and are not used for commercial driving purposes.

Give Us A Call

If you want a quote to cover your RV, Prestige Insurance Group in Miami, FL can provide it, along with explaining all the particulars of this type of coverage. Contact us today.

Three things to do before you purchase motorcycle insurance

If you are a motorcycle owner in Miami, FL, you need to choose a motorcycle insurance policy. There are a few things you should do to get ready to purchase the right policy.

The following are three things to do before you purchase motorcycle insurance:

Familiarize yourself with the various types of motorcycle insurance

You should invest in a few different types of motorcycle insurance coverage so that your policy offers you the financial protection that you need. 

For complete coverage, you should get not only liability and collision coverage but also comprehensive motorcycle insurance coverage. This way, you’ll be protected against liability expenses, collision damages, and damages resulting from theft, fire, and more. 

Contact us at Prestige Insurance Group and get policy quotes

We provide quality coverage at competitive prices while also providing good customer service. 

Research motorcycle insurance discounts for which you may be eligible

Another important thing to do before you purchase a policy is to look into discounts that you might be eligible for. This can help to keep your premium costs down.

Many motorcycle owners out there are eligible for discounts for having a good driving record or for completing motorcycle training courses through their state DMV. It’s also possible to get a discount for paying for your entire policy upfront rather than making monthly payments. 

Get Motorcycle Insurance Today

Get in touch with us today at Prestige Insurance Group in Miami, FL to explore your motorcycle insurance options. We’re here to assist motorcycle owners with meeting their insurance needs. 

Do I Need To Insure My boat If It’s Kept In A Storage Facility?

When you own a boat, you need to make sure that it is adequately insured at all times. This is because boats are expensive and can be easily damaged. If you have your boat stored in a storage facility, you may be wondering if you need to insure it. The answer is yes, you should always insure your boat, even when it is in storage. Prestige Insurance Group in Miami, FL can guide you on this important insurance coverage.

Here are a few reasons why you should insure your boat even when it is in storage:

You Never Know When Something Could Happen

Even though your boat is in a storage facility, there is always the potential for something to happen to it. For example, someone could break into the facility and steal your boat. Or, there could be a fire at the facility that damages your boat. If something does happen to your boat while it is in storage, you will be glad that you have insurance.

It Will Give You Peace of Mind

Knowing that your boat is properly insured will provide you with peace of mind. This way, you can relax and enjoy your time on the water, knowing that your investment is protected.

It Could Save You Money in the Long Run

If something does happen to your boat while it is in storage, repairing or replacing it can be very expensive. Having insurance will help to offset the cost of repairs or replacement.

Get Boat Insurance Today

If you own a boat, it’s vital to insure it at all times, even when it is in storage. This way, you can relax and enjoy your time on the water, knowing that your investment is protected. If something does happen to your boat while it is in storage, repairing or replacing it can be very expensive. Having insurance will help to offset the cost of repairs or replacement. Contact us at Prestige Insurance Group in Miami, FL and we’ll provide your boat insurance.

How to Choose the Right Umbrella Insurance Policy

When it comes to protecting your assets, umbrella insurance is one of the most important types of coverage you can have. But with so many different policies on the market, how can you choose the right one for your needs? Consult with Prestige Insurance Group in Miami, FL to learn more about your options.

Here are some of the key factors to consider when shopping for an umbrella insurance policy:

1. How Much Coverage Do You Need?

The first step in choosing an umbrella insurance policy is to determine how much coverage you need. This will depend on several factors, including the value of your assets and the amount of liability coverage you currently have. If you have a lot of valuable assets, you’ll want to ensure they’re fully protected.

2. What Is Your Risk Profile?

Your risk profile is another important factor to consider when choosing an umbrella insurance policy. You’ll need to assess your potential liability risks and determine how likely you are to be sued. You’ll need a more comprehensive policy if you have a higher risk profile.

3. What Is Your Budget?

Like all insurance policies, umbrella insurance policies have premiums you’ll need to pay. The amount of coverage you need will affect your premium, so it’s important to strike a balance between the two.

4. What Is the Policy’s Coverage Limit?

When choosing an umbrella insurance policy, it’s important to pay attention to the coverage limit. This is the maximum amount of money the policy will pay out in case of a claim. Make sure you choose a policy with a coverage limit that meets your needs.

5. What Is the Claims Process Like?

When shopping for an umbrella insurance policy, be sure to find out what the claims process is like. This is important because you want to be sure that you’ll be able to get the coverage you need if you ever have to file a claim.

Get Umbrella Insurance

Now that you know some of the key factors to consider when choosing an umbrella insurance policy, Prestige Insurance Group in Miami, FL can help you find the right policy for your needs. Give us a call today to get started.

Why You Need Flood Insurance

Flood insurance is an important type of coverage that can fill in the gap that is present in standard home insurance. Home insurance generally doesn’t include any protection from floods that are caused by nature, and flood insurance can protect you against many types of flooding. Having flood insurance allows you to protect your home against a common risk. Without flood insurance, you would have to pay for all of the damage the flood caused, and it can be highly destructive.

If you don’t have flood insurance, give us a call at Prestige Insurance Group in Miami, FL to find out more. 

Why Everyone Needs Flood Insurance

It’s common for homeowners to only think about flood insurance if they live in a high-risk flooding area. These areas tend to be near water in areas where flooding is relatively common, or the slope of the land may lead to flooding. What they don’t know is that about 20% of all the claims for floods come from places that are not high-risk areas. Those who don’t have flood insurance may face tens of thousands of dollars, or even more, in repairs or even rebuilding. The National Flood Insurance Program recommends that every homeowner should have this insurance coverage.

Backing for Flood Insurance

Flood insurance works a little differently from many other insurance types. It is sponsored and backed by the government through the National Flood Insurance Program. The cost for flood insurance is always the same no matter where it is purchased from for this reason. The government sets the pricing and the terms of this type of insurance. This can be highly convenient for people who don’t want to shop around for the insurance they need. 

Protect Yourself With Flood Insurance

Most homeowners should have flood insurance, especially in Florida. Call us at Prestige Insurance Group in Miami, FL to get started. 

What Does Condo Insurance Cover?

Most condo policies also include coverage for common area items such as locks on doors, hallways, and elevators, lightning in the building, and liability if someone is hurt on your unit’s property or in the common areas. Many condo features can be included in the building’s policy, like basic liability protection. Call Prestige Insurance Group for inquiries in Miami, FL. 

What the Condo Insurance Entails 

Condo insurance will cover your personal belongings, your liability, and any other risks associated with living in a condo or apartment. The standard policy covers your personal belongings, including furnishings, clothing, fixtures, and appliances, while the extended policy also covers the property you rent out to tenants. 

Condo insurance also includes liability coverage in case someone is injured on the premises or if someone is hurt on your property due to an insurable risk such as faulty wiring or a slippery floor. Some condos have building policies requiring you to sign in to live there. It is vital that you read the policies carefully, so you know exactly what they cover and what they don’t. 

Most building policies don’t cover damage caused by floods or earthquakes but only those that occur because of poor construction or lack of maintenance by the condo board. Factors that can impact the cost of your condo insurance include where you live (location), the type of coverage you choose, and the length of time with your current insurance provider. 

Some typical condo insurance policies include protection against loss from fire, lightning, windstorm, smoke, vandalism, theft, and water damage. Coverage typically includes replacing the building and contents, repair of the building, and medical expenses for the residents. The policies typically cover damage to the interior of the condo building that occurs during an incident. 

The insurance is primarily intended to protect the personal property of the insured person(s). However, coverage for items like guest rooms, other common areas, and landscaping is generally provided by homeowners’ or renters’ insurance, not condo insurance. Condo owners’ policies typically cover damage to your unit. 

Final Words 

Condo insurance covers the value of your unit in the event of a claim, such as a cost to repair or rebuild your unit. It also covers liability for guests, common areas, and the physical structure of your unit. The cost of condo insurance varies depending on the property and location. Generally, the more expensive the property, the higher the cost. For expert help in Miami, FL, visit or call Prestige Insurance Group.

Is there anything auto insurance doesn’t cover?

Your car insurance from Prestige Insurance Group may save you during accidents and many other incidents in Miami, FL. But like most things in life, your car insurance isn’t entirely faultless. There are “holes” in your standard car insurance policy, and you need to know about them so that you can purchase “add-ons” to boost your coverage.

Here are potential areas not likely to be covered by your car insurance:

  • Drivers excluded in your policy: If you want someone to drive your vehicle, you should inform your insurer. Otherwise, the damage they cause while driving your vehicle may not be covered. Parents make a common mistake of letting their sons and daughters drive their cars without including them in their policies. Always inform your insurer when sharing your vehicle with someone, even if they live with you.
  • Items in your vehicle: Stolen personal items in your car aren’t covered by your car insurance. So, if your laptop or phone is stolen while inside your vehicle, you may have to file a claim with your home or renters insurance company.
  • Modifications: Tune-ups to improve performance and “mods” to make your vehicle aesthetically appealing aren’t covered by typical car insurance. However, you can purchase a special insurance policy to cover these modifications.
  • Business use: Your standard auto insurance doesn’t protect your car when using it to run operations of a commercial nature. Always upgrade personal auto insurance to commercial when using your vehicle for business reasons.
  • Wear and tear: If your paint starts fading away or your suspension starts making creaky sounds, don’t file a claim with your insurance because maintenance issues aren’t covered by auto insurance.

Want to learn more about car insurance in Miami, FL? Please get in touch with Prestige Insurance Group to help you understand the nitty-gritty of your car insurance policy.


Partner Carriers

  • AmTurst
  • AmWins
  • Avatar
  • Foremost
  • Hagerty
  • Infinity
  • Mercury
  • Metlife
  • National Flood Program
  • National general
  • Progressive
  • Southern Oak
  • State National