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.

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.

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 a boat or a motorcycle is different than insuring your car or home. A specialized motorcycle policy, for instance, can provide coverage for custom paint jobs and aftermarket equipment that might not be covered if the bike were just added to a generic auto policy.

Similarly, a specialized boat policy could cover things like the cost to replace lost or damaged fishing gear and costly services such as emergency on-water towing and fuel-spill cleanup. You probably wouldn’t get this coverage by adding a boat to a homeowner’s policy.

Consult with an independent agency – like Jimenez Insurance. Unlike “captive” agents who represent only one company, independent insurance agents and brokers are licensed insurance professionals who represent several companies. They can offer you a variety of coverage’s, review and evaluate your policies, suggest new coverage options that meet your changing needs and answer your questions.

“An independent insurance agent or broker can make sure you have the specialized coverage you need to protect your boat or bike,” said Jim Lloyd, of the Progressive Group of Insurance Companies. “Some insurance companies provide only bare-bones protection for your boat or motorcycle by simply adding it onto your existing auto or homeowner’s policy, but independent agents and brokers can review and evaluate your needs to help match you with the company that will provide you with the combination of specialized coverage, service and price that’s best for you.”

To learn more about Progressive Boat and Motorcycle insurance, contact  Jimenez Insurance or call us at 305-961-1140.

 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 us have pets, too, and we feel the same way,” said Geoff Souser of Progressive. “Progressive has a long history of product and service innovations that prove you can teach an old dog new tricks. Knowing that most people think of their pets as family members, it felt like the right thing to do.”

Progressive’s pet injury coverage is available in most states. To find out more, contact us at 305-961-1140.

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 usted está en un accidente de auto, generalmente todos los pasajeros están cubiertos, ¡excepto su mascota! Las compañías de seguro de Progressive Group ahora reconocen a su perrito y gatitocomomiembros de la familia. Ahora, una póliza de Progressive con cobertura de coli – sión incluye gatos y perros. La cobertura paga hasta $500 dólares si su perro o gato resulta herido o muerecomoresultado de un accidente. Y lo mejor de todo, la cobertura es gratuita.

“Sabemos cuánto nuestros clients aman a sus perros y gatos. Muchos de nosotros también tene mos mascotas y nos sentimos de la misma manera”, remarcó Geoff Souser de Progressive. “Progressive tiene una larga historia de innovaciones en productos y servicios que comprueban que podemos aprender e innovar. Sabiendo que la mayoría de las personas piensan que sus ma scotas son parte de su familia, tuvimos que hacer lo que se debe”. La cobertura de lesiones de mas – cotas de Progressive está di sponible en la mayoría de los estados.Paramas información por favor comuníquese con Jimenez Insurance.

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 these options as they are a great way to meet the needs of our customers and to help conserve our valuable resources. Thank you!

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 affect you for some time to come. Because you now have a DUI on your file, you probably know that you need to start considering FR44 insurance. FR44 is a three-year DUI and DWI insurance coverage supposed to address liability limits that are mandated by the state of Florida. FR44 insurance in Florida provides coverage for:

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 preparation and readiness as a means of anticipating the worse. If you do stay on top of your game, then you don’t need to worry about the unexpected taking money away from your business. If you’re asking, “How do I stay on top of my game?” the answer is simple: Florida commercial insurance. A commercial insurance policy will protect your business from any damages you’re not ready for, including:

• Commercial auto
• Commercial property
• Group benefits
• General liability
• Worker’s compensation
• And more…

Essentially, a Florida commercial insurance policy is the most important thing your small business needs right now. With it, you have a variety of leverage options in the event your business is surprised by something such as property damage or theft. You need all the help you can get, and Jimenez  Insurance is the right choice for you. Our agency provides detailed and informative assistance for our customers looking for insurance rates.

Contact Jimenez Insurance now! Call us toll free at: 877-643-2056 or locally at (305) 961-1140.

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 DUI in Florida, then you obviously understand this. In order to account for your mistake, you’re normally required to file for an FR44 insurance policy. An FR44 is a three year insurance policy that addresses a higher liability mandated by the state legislature. Because you’ve been convicted of a DUI or DWI, this policy is necessary for you to continue driving. With an FR44 insurance policy, is what you can expect coverage to look like:

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 the threat of hurricanes. Hurricanes have the ability to devastate homes and business in unimaginable ways. In the Miami area, there is a 1/6 chance of a hurricane making landfall—a staggering amount. If you’re home were to become damaged in a bad storm, would you be able to cover the costs? A Florida home insurance policy can do just that, and more! With home insurance, you can receive coverage for: