Sinking Boat Insurance Myths – Miami Boat Insurance

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.

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 got the right combination of coverage and service to get you back on the trails and waterways quickly.

“One of the biggest benefits of specialized ‘toy’ insurance is that it covers you just about anywhere you want to go,” says Marcy Gray of Progressive.

When it comes to big-kid toys, you can’t afford not to insure them. While fun to own, they can be costly to repair. If you add one of these to a homeowners policy and trouble occurs off your property, you could be on the hook.

“Specialized coverages go well beyond the bare-bones coverage you get with a homeowners endorsement,” says Gray. “Stand-alone policies cover you for things like towing and accessory theft. Companies that sell specialized policies also generally have claims reps trained to get you back on the ‘playground’ fast.”

For more information on insuring your “toys,” contact us at 305-961-1140.

Tips For Protecting Boats And Motorcycles In Miami

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 [...]

Read the full article →

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 [...]

Read the full article →

Mantener a su perrito seguro en la carretera

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 [...]

Read the full article →

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 [...]

Read the full article →

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 [...]

Read the full article →

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 [...]

Read the full article →

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 [...]

Read the full article →

Florida Home Insurance Is Your One Way Ticket to Safety!

If you’re one of the Florida homeowners who are having trouble with your next step, you’re not alone. While being a homeowner has its advantages, it also has its challenges. Are you aware the risks your home faces? As a homeowner you should be aware of the potential dangers a Florida homeowner faces such as [...]

Read the full article →

← Previous Entries