Summer is over, and you’ve taken your boat out of the water. To save a few dollars, you cancel your boat insurance. After all, what could possibly happen to your baby while it’s hibernating? A lot, according to Progressive.

“You’d be shocked at the number of claims filed in colder months,” says Dominic Mediate of Progressive. “Nearly two out of every 10 Progressive boat claims filed in northern states happen between Labor Day and Memorial Day.”

Don’t take a gamble on nothing bad happening. Common off-season claims include:

Fire, theft, vandalism and flooding

Most claims are filed for one of these reasons, which can occur anytime of year. Without coverage, boats damaged by fire, theft, vandalism or flooding aren’t protected.

Injuries that occur on or around your boat

Some boaters don’t realize they could be responsible for injuries that occur on or around their boat — even if the injured person was there illegally. Without liability coverage, you could be responsible for the damages or the injured person’s medical bills.

Keeping your policy all year round might also save you a few bucks.

For example, Progressive’s disappearing deductibles reduce your Comprehensive and Collision deductible 25 percent for every claim-free policy period. Four policy periods in a row without a claim equals a $0 deductible. Canceling your policy could mean paying more or the entire deductible, generally $500 or $1,000.

Check your policy and consult with your miami independent insurance agent before making any decisions. Call us at 305-961-1140 with any questions.

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You don’t believe in the Loch Ness Monster. You don’t believe your friend caught Jaws fishing off theFloridacoast. So why do most boaters believe boat insurance covers them wherever they go?

Progressive surveyed more than 1,000 boat owners. It uncovered a few insurance myths floating around. Here’s a sample of the findings and the facts behind each:

Myth: Everyone pays more for insurance because of the hurricanes from a couple of years ago.

Reality: Even though it’s believed by 74 percent of respondents, it isn’t true. Boat insurers generally price policies based on claims in each state. For example,Ohio customers won’t pay more for insurance because of hurricanes in Florida.

Myth: Boat insurance covers me anywhere I decide to go boating.

Reality: Seventy-six percent of respondents believed this one. The reality is some insurers only provide coverage where the boat is used most. Insurers may limit coverage to 100 nautical miles of your home port. Progressive provides coverage virtually anywhere you decide to go in the continentalU.S. andCanada.

Myth: I’ll get a better insurance rate if I buy from the same company that insures my home or car.

Reality: Buying more than one product from the same insurance company doesn’t mean you get the best rate – even though 45 percent of respondents thought so. Boaters can save by shopping around and combining specialized policies from different companies.

“It’s important to understand what’s available,” said Dominic Mediate of Progressive. “You want to be properly protected in case your boat is stolen, you get into an accident or contents are damaged. We’re separating fact from fiction so boaters can make the best insurance decisions possible.”

For more information about boat insurance, contact an us at JimenezIns.com or call us at 305-961-1140.

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Protect Your Toys On The Playground Of Life

Once reserved for getting from one green to the next, many people now “putt” around retirement parks and condo complexes in golf carts. Golf carts are quickly joining the ranks of ATVs, snowmobiles and personal watercraft as a favorite toy for grown-ups. But what happens if these items get stolen or damaged? Make sure you’ve […]

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Before you take your motorcycle on the road or put your boat on the water, it may pay to be certain your insurance is ship-shape. Motorcycles and boats are often significant investments, and the right insurance policy can help protect them. Here are a few tips, courtesy of  Jimenez Insurance: Evaluate your specific needs. Insuring […]

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The Progressive Group of Insurance Companies Now Recognizes Fido and Fifi As Family Members.

 A Progressive policy with Collision coverage now extends to cats and dogs. The coverage pays up to $500 if your dog or cat is hurt or dies as a result of a car accident. And, best of all, the coverage is free. “We know how much our customers love their dogs and cats. Many of […]

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Los dueños de mascotas gastan la asombrosa cantidad de $40.000 millones mimando a sus animalitos cada año. Eso es suficiente para comprar 44 galones de gasolina para cada hombre, mujer y niño en los Estados Unidos. Las compañías de seguro no siempre han considerado a las mascotas con la misma pasión que sus dueños. Si […]

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Trees Being Planted Thanks To Our Efforts On Paperless and e-Signature

This summer we participated in Progressive’s Plant-a-Tree campaign. The Arbor Day Foundation is going to plant over 20,000 trees in areas severely impacted by natural disasters, forest fires and insects. Our efforts to have Miami Auto customers go Paperless and to electronically sign their policy documents (e-Signature) made this possible. We will continue to offer […]

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If You’ve Been Convicted of a DUI Recently, Chances Are You Need FR44 Insurance

Let’s face it, mistakes happen. As human beings, nobody is perfect—in fact, no one even really comes close. As a breed we are designed to sometimes act on impulse rather than thinking things through. If you’ve recently been convicted of a DUI, then you understand acting on impulse. Unfortunately, you made a costly decision that can potentially […]

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Is Your Business Protected? Should it Be? The Answer Is Yes!

Let’s be honest, owning a business requires a lot of hard work and patience. If you’re not on top of your game at all times you run the risk of not being prepared when something unexpected and unfortunate happens. Although being a business owner is an excellent and unique career path, it’s important to consider […]

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Been Convicted of a DUI? Then You’ll Need an FR44 Insurance Policy

Unfortunately, we get into things that we never thought we’d be involved in. Sometimes, our transgressions are subsequently met with consequences we never saw coming, but in hindsight probably should have. After we make mistakes, we must do everything we can to either correct them or account for them. If you’ve been convicted of a […]

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