Category: Home Insurance

Finding the right home insurance policy is essential. Homeowners in Miami, FL, can rely on Prestige Insurance Group when they’re looking to meet their insurance needs.

There are a few things that consumers need to do before buying a home insurance policy. Here are four things to do when you’re on the market for home insurance. 

Understand your financial risk.

Protecting your finances with your home insurance policy would be best. That’s why it’s so important for you to be aware of the financial risks you face as a homeowner. 

Consider your assets when you decide on how much home insurance you purchase. You should have enough insurance to cover the full value of your assets.

Be aware of your obligations

It would be best if you also considered your obligations as a homeowner. You’ll generally need to meet certain insurance coverage requirements from your mortgage lender. Ensure you are aware of these insurance coverage requirements to comply with the terms of your mortgage loan.

Shop around

Comparing offers among different insurance providers is essential. It would be best if you got quotes on insurance policies to compare them and find the best solution for your situation. 

Look at reviews

Be sure to look over reviews of insurance companies you’re getting quotes from. You need to evaluate not only quoted premium costs but also the customer service of various insurance providers.

When you purchase insurance from a provider with good customer service, you know you’re choosing an insurance provider you can rely on when you need to file a claim.

Are you looking for an insurance policy for your home in Miami, FL? Get in touch with us at Prestige Insurance Group for a quote on a home insurance policy. 

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. 

 When you need to file a claim with your home insurance, you will be required to prove what your home looked like and what you had before the peril happened. That is where your home inventory comes in very handy. At Prestige Insurance Group in Miami, FL, we work for you, our customers, and we make sure that if you have to file a claim, it will go smoothly. There is a lot of stress involved in living with household damage, and you don’t want to add more stress about how easily the claim is processed. 

You can start your home inventory in any room of your home, but you will need to have a pad, pen, and camera. You will list the items in your room and provide as many pictures as possible of the room from a few different angles. Be sure to look up and down and open any closet or drawers so that everything gets listed. If you have sales slips or receipts, attach them to the correct room.

Be as detailed as possible. Give the color, the size, the brand name, and if it’s electronic, the model and serial number. The more you include, the better. Do the same thing in every room. Go into the basement, go to the attic, and don’t forget the garage. When you are done, it is time to think about where you will store your inventory. 

Ideally, you won’t store your inventory in your home. Your inventory could be destroyed along with your home. Make sure that you make a copy at least to store in the cloud so that it can be easily accessed no matter where you are when you need it. 

Contact Prestige Insurance Group in Miami, FL to discuss your home insurance, whether you need a review or a new policy.  

A home is a place where everyone wants to feel safe. It is all about warmth and family. Safety means a lot of different things. It means being safe from things outside your home, but the home itself also needs to be safe. Having home insurance provides the degree of safety homeowners need. At Prestige Insurance Group in Miami, FL, our dedicated team of insurance specialists has years of experience. 

The first thing to do to make your home safer is to do a risk assessment. Consider all the things about your home that are not as safe as they could be. Think about who might be in danger from them and then consider ways to make them safer. 

First and foremost, you want to make sure you have working door locks and you use them. Install safety bars on sliders and have windows locked. Having an electronic home security system is something to consider depending on the neighborhood you live in. Make sure bushes are not tall and close to your home. You want anyone around your house to be visible. 

Inside your home, many things can make it safer. Know exactly what chemicals you have in your home and who they could be harmful to. If you have children, cupboard locks are a must, and you should be aware of any allergies in the family. Many chemicals and detergents are also harmful to pets so take care of your furry friends. 

Home maintenance is also essential. Make sure to get your chimney cleaned before using, change batteries in smoke and carbon dioxide detectors, and have a family plan for exiting your home in the event of an emergency. If you have a pool or trampoline, make sure all safety measures possible are in place. 

If you are in the market for home insurance, contact Prestige Insurance Group in Miami, FL for a free quote. 

Will Home Insurance Cover My Pets?

If you’re looking for home insurance in Miami, FL, it’s reasonable to wonder if your pets will be covered under your policy. After all, even well-trained pets can cause unintentional damage to your property, possessions, or even to other people. Prestige Insurance Group wants to fill in the gaps for you, so you have a better idea of what you can and can’t file a claim for. 

Standard Policy Terms 

Under standard policies, home insurance generally does not cover your personal property against pet damage. So if your dog broke your big-screen television or chewed through an expensive piece of furniture, it’s unlikely to be approved for reimbursement. The same is true for the grounds and structure. A rambunctious animal who managed to chew through part of the floor or claw the paint job on the wall is generally not a covered event.  

While your own property may not be covered, though, you may be able to cover other people’s property through the liability coverage on your policy. So if your neighbor puts up a fence and your pet puts a hole through it, you may be able to file a claim still. Please note that in Miami, FL, your pet would likely need to be a domestic, personal animal to file for this type of liability coverage. If your animal is used for commercial purposes, then you would likely need to file the damages under a commercial insurance policy. 

Talk to a Pro 

Prestige Insurance Group wants you to know more about how to protect your home from a variety of threats. We’ve served countless homeowners in Miami, and we’re here to do the same for you. If you have questions about how your pet factors into your policy or you just want to know more about general coverage options, give us a call today.