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Miami, FL 33186

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What could happen if I have a lapse in auto insurance coverage?

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The Miami, FL area is a very popular place to move to either full-time or to use as a vacation destination. If you are going to live in this community, you will want to own a car as it can make it much easier to enjoy all that the city and surrounding areas have to offer. Along with owning a car, you need to have insurance coverage at all times. If you allow the coverage to lapse, a few negative situations could occur.

No Protection for Vehicle

If you allow your insurance plan to lapse, you will end up losing your coverage for your vehicle. Having an auto insurance plan is extremely important as it will give the protection you need to repair or replace your vehicle if there is an accident or it is stolen. If you allow your plan to lapse, you could lose this protection.

Violation of Law

All drivers that are in Florida are required to carry liability insurance, which helps ensure you can cover damages that may be caused by an accident. If you allow your plan to lapse and do not renew it on time, you will lose this protection. This could put you in violation of the law, which may come with penalization. 

Having insurance in place at all times is very important. As you are looking for an auto insurance plan in the Miami, FL area, it would be helpful for you to call the Prestige Insurance Group. Choosing the right insurance plan for your vehicle is a big decision and the Prestige Insurance Group can help you by giving the support needed to fully assess your needs and options. The team can help you build a plan that will give the ideal coverage for your situation. 

A Look At The Advantages Of Commercial Insurance

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Prestige Insurance Group offers commercial coverage to the Miami, FL community. We are aware that life can take an unexpected turn at any moment. We strive to make sure that our clients are prepared for whatever life brings. We will help you find a custom policy that suits your needs. We proudly serve the community as an independent agency.

The Advantages Of Commercial Insurance

A large part of the success of the Florida economy is thriving businesses. As a business owner, you want to maximize your investment. Commercial insurance is an asset. The policy protects your business in multiple ways. You are covered if any damages occur to your property or inventory. Liability coverage protects you if one of your customers is injured while visiting your business. Here is a closer look at the advantages of commercial insurance.

Protects Your Employees

Your employees are a valuable part of the success of your business. However, an injury in the workplace can cause a lot of uncertainty. The injured party may pursue litigation against you, damaging the short-term progress of your business. The morale of the entire workforce may decline, which causes more long-term problems. You can cover your business against these potential issues with workers’ compensation. Workers’ compensation takes care of your employees if they suffer an injury on the job, which helps protect your business.

Enhances Credibility

Having a strong commercial insurance policy enhances the credibility of your business. It shows everyone that you are serious about operating at a high level. This can help your business attract new customers and the most talented workers on the market. You’ll gain an advantage over your competitors as well.

Prestige Insurance Group Will Help You Protect Your Assets

Visit our website to learn more information about commercial insurance.

Ways to make your home safer

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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. 

Protect your classic car like the investment it is

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A classic car is more than just a vehicle. It’s an investment. Classic car insurance allows you to protect your car while also enjoying it. Whether you are a classic car show and rally enthusiast or just enjoy taking your classic car out for a Sunday drive, it’s important to protect your investment. At Prestige Insurance Group, we are proud to serve the greater Miami, FL area’s insurance needs and are happy to offer a range of classic car coverage options. 

Don’t leave your classic car’s protection to chance!

When you stop and think how much care and attention you shower upon your classic automobile, it only makes sense to insure it properly. Because they aren’t like regular vehicles, it is imperative to select a carefully designed policy to cover your classic cars and trucks. 

With an appropriate policy, you will know that your investment is protected no matter how often you drive it, where it is stored, and the number of miles that it has been driven. It makes sense to opt for a policy that gives you the coverage levels and types that make the most sense for your unique situation. Don’t be left with incomplete coverage!

Working with an agent who understands the intricacies of classic vehicles is a must when you have a vehicle that is also an investment. Remember this when it comes time to insure your classic car.

Contact the Prestige Insurance Group Today

If you are in the Miami, FL area and have a classic car (or several!), rely on us to help you find the policy that provides what you need. Protecting your investment is an important part of classic car ownership. Call our office today to schedule a consultation to learn more. 

Why should I get renters insurance in Florida?

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Miami, FL continues to be well known for the nice weather, the access to local beaches, and the never-ending recreational activities available to you. If you would like to move to this area of Florida, renting a home can be a great option as the flexibility will allow you to experience the city in any way that you want. If you are going to rent here, you will need to get renters insurance. There are many reasons that this coverage is necessary.

Coverage is a Lease Obligation

The main reason that you should get a renters insurance plan is that it is a lease obligation. Landlords today know how valuable this coverage is and that it can protect both the tenant and, indirectly, the landlord. Due to this, most landlords will have a lease requirement that will ensure you have insurance at all times. They will likely also verify that you have coverage before the start of the lease term.

Coverage Protects Tenants

You will also want to get a renters insurance plan as it can protect you in many ways. With a renters policy, you will get the coverage necessary to replace your personal assets if stolen or damaged. Further, you will get liability coverage to ensure you are protected if you are found to be at fault for damages.

Those who would like to get a renters policy in the Miami, FL area should speak with the Prestige Insurance Group’s insurance team. Those who call the Prestige Insurance Group for their insurance needs will learn more about their needs and options. They can then offer guidance that will help you build a policy that will offer your situation’s ideal protection. 

A Thorough Overview Of RV Insurance

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Based in Miami, FL, Prestige Insurance Group serves the community by helping them find insurance coverage. We offer our clients a wide variety of services to help them protect their assets. We want to make sure that our clients are protected if a disaster arises.

A Thorough Overview Of RV Insurance

If you enjoy traveling around in your RV and taking in the beautiful scenery that Miami, FL has to offer, consider RV insurance benefits. While operating an RV is fun, there are also a few risks involved. The policy covers your RV if you are involved in a collision. Liability coverage protects you if you accidentally cause damage to someone else’s property. You are also covered if a passenger gets injured in your vehicle. RV insurance protects you, as an accident can occur at any time.

RV insurance also covers your personal items if they are stolen or damaged due to a fire or some other type of natural disaster. There are a few special situations when you may have to amend your policy to provide extra coverage. You can add extra coverage to protect you if you have special luxury items on your RV, you’ve made some recent changes to the interior, or you added a camper or fifth wheel to your RV. These are special occasions when you have to adjust your policy if something happens.

If you plan to have a road trip in your RV and go on vacation, the policy covers your vehicle if an emergency happens and you need towing services or roadside assistance. If you plan to store your RV and camp somewhere for a while, you can add coverage to protect you if severe weather causes damage.

Prestige Insurance Group Will Help You Cover Your Assets

For information on RV insurance, visit our website today!

 

Three things to keep in mind when you buy motorcycle insurance

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You need to choose an appropriate motorcycle insurance policy if you ride a motorcycle in Miami, FL. We sell motorcycle insurance in Florida at Prestige Insurance Group. 

The following are three things to keep in mind when you buy motorcycle insurance.

You should buy more than minimum liability coverage. 

You’re only legally required to buy minimum liability coverage. However, this isn’t all that you need to buy. Buying only minimum liability coverage really leaves you open to possible financial problems down the road.

Invest in liability coverage that exceeds the minimum coverage requirements. Otherwise, you might find yourself facing bills out of pocket that you can’t afford to pay. 

Coverage for bodily injury is important. 

Riding a motorcycle can be dangerous. If you experience an accident while riding your bike, you might become severely injured. The medical bills could really add up.

It’s important that your motorcycle insurance policy offers coverage for your own medical expenses. Even if you have health insurance, bodily injury coverage is important on any motorcycle insurance policy. 

Many discounts could be available to you. 

If you’re concerned about the expense of motorcycle insurance, you should know that there are many different discounts out there.

You may be eligible for discounts for being an experienced rider. You might also enjoy discounts if you insure numerous vehicles on the same policy or with the same provider. 

Be sure to research discounts if you are looking for ways to bring down your premium costs. 

Buying a reliable and high-quality motorcycle insurance policy is important for riders in Miami, FL. Get in touch with us at Prestige Insurance Group to learn about our motorcycle insurance policy offerings. 

What does boat insurance cover

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Miami offers abundant opportunities to get out with your boat and enjoy the water. The weather is ideal, and the options are practically endless. Whether you want to enjoy saltwater on Biscayne Bay or the Atlantic Ocean or freshwater in one of Miami-Dade County’s 47 lakes, you have ample opportunity to use your boat. Whether motorized or sail, you will never be at a loss unless you don’t have boat insurance. At Prestige Insurance Group in Miami, FL, our team has over 10 years of experience meeting our customer’s needs.

Liability coverage

Of course, you hope that nothing bad will ever happen when you are out enjoying your boat, but if something does happen, it is important that you have enough liability insurance to protect your assets. If you cause an accident where someone is injured or dies, the resulting expenses could be very high. You would be responsible for medical expenses and any judgment against you. This insurance would also repair or replace someone else’s boat or dock that you damage. Having enough liability coverage is vital. 

Collision damage

If you have an accident and are at fault or hit something like a submerged rock, you need to take care of the repairs to your boat yourself. This can be very expensive, depending on the extent of the damage. Collision coverage comes with a deductible, and you decide when you choose your policy the deductible, you are comfortable with. 

Comprehensive

Comprehensive coverage protects your boat from other types of damage. It covers things like strong winds, fire, hail, vandalism, and theft. Things over which you have no control. 

Contents

If you have special equipment in your boat, whether for fishing or navigation, this needs to be covered separately. 

Many hazards are lurking in the waters, and you need to be protected against them. At Prestige Insurance Group in Miami, FL, we will help you make sure you have the right coverage for your boat. Give us a call or stop by our office for a free quote. 

Partner Carriers

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

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