Which States Don’t Require Boat Insurance?

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Some people see insurance as an unnecessary expense that they don’t want to buy. Some forms of insurance are unavoidable, such as car insurance. But if you have another type of vehicle, like a watercraft, you may wonder if you must purchase insurance for it. Learning more about state laws empowers you to make the right decision for your circumstances. Let’s examine which states don’t require boat insurance, whether that includes Florida, and why you should consider boat insurance regardless of current law. When you’re ready to shop for a policy, you can compare quotes with us. Jet Stream Insurance Group LLC serves those in the Miami Lakes, FL area and beyond!

Which States Don’t Require Boat Owners to Have Insurance?

Surprisingly, boat insurance seems to be one of the few types of insurance that isn’t legally enforced. Most of the U.S. does not require boat owners to have boat insurance to operate their watercraft. There are only two states that require it: Arkansas and Utah. Some marinas may also require it in states that don’t, but that’s situational rather than a law that needs to be followed should you not dock your boat at a marina. So, if you don’t need boat insurance in Florida, should you still get it anyway? Absolutely! Boat insurance protects you against accidents you may encounter while docked or out on the waters, can help you should your boat break down while you’re in the waters, and so much more. Even if boat insurance isn’t required in your state, protecting your watercraft’s worth the investment.

Secure Your Boat With Jet Stream Insurance Group

If you live in the Miami Lakes, FL, area, the Jet Stream Insurance Group LLC team will help you find the right policy for your boat so that you can stay covered no matter what happens. Compare quotes with us now!

Flood Insurance is Your High Ground When the Waters Rise

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Living near or within proximity to a coastal state inherently increases your risk of experiencing a flood. Residents of places like Miami Lakes, FL, are all too familiar with phrases like "seeking higher ground." This is one of the many reasons why people in and around the beautiful Miami Lakes, FL, area rely on the trusted and professional team at Jet Stream Insurance Group LLC for their flood insurance needs, especially when it’s time to seek high ground.

Why Flood Insurance is Essential When Waters Rise

We only need to look back at the recent storm season and the damage it caused in the southeastern part of the country to understand the power and destruction of flooding. Many of us can still vividly recall images of bumper-to-bumper traffic, vehicles loaded with every valuable and possession they could carry, and U-Hauls and trailers tagging behind.

Unfortunately, we can’t take, carry, or save everything, and sometimes we only have time to get ourselves to higher ground. These are just a few reasons why working with an experienced and reputable agent who can help you get the protection you need is a good idea. Flood insurance is like the high ground for many of the things you value.

Securing Flood Insurance Protection in Miami Lakes, FL

If you live in the Miami Lakes area and have questions or need the protection that only flood insurance can provide, we can help. Contact us to learn more and schedule an appointment with our helpful and knowledgeable team for the flood insurance solutions you need and deserve at Jet Stream Insurance Group LLC today.

The Purpose of Umbrella Insurance for Business Owners in Doral, FL

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As a business owner in Doral, FL, addressing your liability risks is crucial to protecting your assets and investments in the long term. Understanding liability risks and limitations is essential in determining if umbrella insurance is right for you. With umbrella insurance in Miami Lakes, FL, you can safeguard yourself from substantial financial losses stemming from commercial liabilities, damages, or even lawsuits, allowing you to focus more on your business growth. At Jet Stream Insurance Group LLC in Miami Lakes, FL, we can help you learn more about whether umbrella insurance is right for your business needs.

Protection Against Excessive Liability Claims

Business owners may sometimes face frivolous or excessive lawsuits, which can put them in high-risk situations without proper insurance. Umbrella insurance extends the liability limitations of general liability policies that you may have for commercial property, auto, and business coverage.

Coverage for High-Risk Situations

If you operate in high-risk industries, such as healthcare, medicine, or science, or if you interact with the public, umbrella insurance is highly advisable. It can cover both personal and business assets, even when facing unexpected claims or lawsuit filings.

Coverage for Uncommon Risks

Protecting yourself from uncommon risks, such as libel, defamation, and slander claims, may be necessary for high-profile individuals and larger organizations or corporations. Umbrella insurance can help cover legal costs stemming from lawsuits involving harassment, discrimination, libel, or slander claims.

If you’re interested in learning more about your current general liability insurance policy or if you want to compare umbrella insurance options, we can help. To learn if umbrella insurance is right for you as a business owner in Doral and Miami Lakes, FL, contact Jet Stream Insurance Group LLC for your consultation today.

How is my condo insurance affected when I rent the property?

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Condominiums are significant investments that require protection against a range of potential losses. Like homeowners insurance, condo owners need insurance to cover their property and potential liabilities. They also need additional protection if they decide to rent their condos on a long—or short-term basis.

Our Jet Stream Insurance Group LLC team, serving the Miami Lakes, FL area, will work with you to structure the condo coverage that best meets your needs.

Condo Insurance Considerations

Condo insurance works like a home insurance policy, except that the condo association’s master policy covers portions of the dwelling and all the common areas. Your condo insurance policy generally covers:

– The condo interior, including walls and permanent structures inside your unit, such as cabinets

– Your personal property, such as clothing, furniture, electronics, and appliances you own

– Your liability, legal fees, and medical payments if someone suffers an injury in your unit

Your condo insurance does not cover injuries to renters or their guests and damages caused by a renter, so you need condo landlord protection if you rent your condo. If you rent the condo occasionally, you may gain the protection you need with a rental rider added to your condo policy. However, a separate condo landlord policy is generally the better option for long-term rentals or those who rent the property in a series of short-term rentals, such as with Airbnb. Condo rental insurance also covers loss of income if damages require your renters to move out of the condo.

Working with Jet Stream Insurance Group LLC

Jet Stream Insurance Group LLC proudly serves the Miami Lakes, FL, area and has substantial experience with condo insurance issues. Call us at (844) 267-6022 or stop by today to discuss your condo insurance options.

Four Reasons to Consider Full Coverage Auto Insurance for Your Vehicle

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When you’re buying a new car, one thing you’ll need to consider is whether to get full coverage auto insurance. If you’re paying for your vehicle with cash, you won’t be required by a lender to get full auto coverage. Yet, this type of insurance might still be worthwhile.

The professionals at Jet Stream Insurance Group LLC, servicing Miami Lakes, FL, are here to help. If you have questions about full coverage and would like to know more about its benefits, we can answer them. Below are some of the benefits of full coverage.

1. Full Coverage Auto Insurance Protects Your Vehicle

Policies like liability only provide financial protection for the other driver’s vehicle, but not for your own. Full coverage auto insurance provides financial protection for your vehicle so that if it is damaged in a collision, your insurance can help pay to repair or replace your car.

2. Full Coverage Auto Complies With the Law

In most states, car insurance is required by law. Full coverage auto meets and exceeds the law’s requirements.

3. Full Coverage Auto Provides Roadside Assistance

Full coverage auto insurance provides roadside assistance if your car breaks down. In other words, if your car gets a flat tire, your insurance will pay to have your vehicle towed.

4. You’ll Enjoy Peace of Mind

Full coverage auto insurance provides peace of mind to the insured. With this type of policy, you can drive knowing that collisions are covered. If your vehicle is stolen, your car insurance will pay to replace it.

At Jet Stream Insurance Group LLC, servicing Miami Lakes, FL, we can answer your questions about full coverage auto insurance. Call today to make an appointment.

Why Crime is a Major Concern For Business Owners

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While we all hope never to be targeted by criminals, if you own a business, taking appropriate steps to protect yourself from criminal activity is crucial. This can involve various measures such as setting up camera systems, obtaining commercial insurance that protects against theft, and carefully vetting your employees. If you live in or near Miami Lakes, FL, and need help selecting commercial insurance policies, get in touch with the Jet Stream Insurance Group LLC.

The Impact of Crime on Businesses

No one wants to be the victim of crime. Businesses are often at high risk of crime; in many ways, the risks are greater for businesses than private households. Thieves often target businesses rather than individuals and families because there’s often more money at stake. Many companies, big and small, use expensive equipment, keep a lot of cash on hand, and are often custodians of sensitive information, such as customer credit card numbers. If a thief successfully targets a business, they could make off with a lot of loot.

If you lose your personal TV, you may find yourself having to do without for days and weeks. While such hassles can lower your quality of life, more is at stake when it comes to businesses. If a thief makes off with expensive equipment, you may have to shut production and operations down. If cyber criminals steal sensitive data, you may end up facing complex legal issues.

With the stakes being so high, commercial insurance is crucial. The right insurance policies can provide coverage if criminals target a business. Such coverage can mitigate risks and help businesses recover. If you want help with selecting commercial insurance in Miami Lakes, FL, contact the Jet Stream Insurance Group LLC.

Does Home Insurance Cover Wind Damage? Jet Stream Insurance Group LLC

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Wind Damage and Your Florida Home Insurance: What You Need to Know

At Jet Stream Insurance Group LLC in Miami Lakes, FL, we comprehend that knowledge is your best defense against unpredictable natural forces. Many individuals may assume their standard home insurance covers all forms of damage, but wind-related occurrences often require a more in-depth examination. Understanding the specifics about wind damage, from fallen trees to roof damage, can make the difference between financial security and unexpected expenses. Familiarize yourself with the complexities of home insurance policies and learn what you need to protect your investment against wind damage.

Wind Damage and Florida Homeowner’s Insurance

Wind damage can strike unexpectedly, leaving homeowners grappling with property damage and the task of deciphering their insurance coverage. While many assume their standard homeowner’s insurance will cover wind-related incidents, the reality can be more convoluted. Coverage regarding wind damage, particularly involving high winds, storms, and tornadoes, can vary significantly across policies. Homeowners need to acquaint themselves with their specific policy details to understand whether they’ll be fully covered for repair or replacement costs.

Speaking with a professional insurance agent such as those at Jet Stream Insurance can uncover possible coverage gaps and help establish a safety net tailored to each unique situation. Preparing for such unpredictable events implies taking proactive steps today to ensure your peace of mind tomorrow.

Contact Jet Stream Insurance Group LLC in Miami Lakes, FL

At Jet Stream Insurance Group LLC, we offer homeowners’ coverage that is wide-ranging. Wind damage is unpredictable in Florida, and we can assure you that you are covered. Contact us today to speak with an agent about coverage options.

Coverage For Recreational Equipment You Recently Invested In

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Protect your recreational equipment with insurance coverage. This will protect against unforeseen theft and damage. Use the guidelines below to assist you.

Considerations

  • Equipment value
  • Intended use
  • Storage arrangements
  • Transport essentials
  • Accessories

Your Assessment

Before you use your new recreational equipment, thoroughly assess your investments. This assessment will help you determine the amount of coverage you need. If any equipment contains mechanical components that must be maintained, you could benefit by adding these materials to your recreational insurance policy.

Intended Use

Consider how you plan to use your recreational equipment. If you plan to use your equipment on a seasonal basis, for example, you may only need insurance coverage during the months you will be operating your investments.

If you plan to use the items regularly, it may be in your best interest to purchase an insurance plan that provides coverage throughout the year.

Storage and Transport

Adequate storage and transport materials will keep your recreational equipment safe. Consider how you plan on storing your equipment, and determine if you will need to invest in a trailer or additional transport materials.

You can add the storage unit and transport essentials to your recreational insurance policy. The coverage will provide protection from theft, vandalism, and natural weather events.

Contact Jet Stream Insurance Group LLC

One of our agents who represents Jet Stream Insurance Group LLC can assist you with updating your insurance policy. Contact an agent who serves Miami Lakes, FL. They will set up an initial consultation to discuss your recreational insurance needs.

Does Renter’s Insurance Replace Stolen Valuables?

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At Jet Stream Insurance Group LLC in Miami Lakes, FL, we help clients protect their rental homes and their most valued possessions. Expensive furniture, high-end technology, and fine art are just a few of the many items you may wish to protect from theft. After all, why pay out of pocket for replacements if there’s a chance an insurance policy could cover it?

It is crucial to know that insurance policies vary in terms of what they cover and what limits they impose. To ensure a renter’s insurance policy covers stolen valuables, speak with a qualified insurance agent who can review your existing policy. If you do not have renter’s insurance yet, it would be wise to inquire about what the policy covers with respect to valuables when you visit our office.

Does Renter’s Insurance Replace Stolen Valuables?

Depending on the terms of your renter’s insurance policy, it may or may not cover the replacement of stolen valuables. If you didn’t have renter’s insurance when the valuables were stolen, it is important to note that renter’s insurance never provides retroactive coverage. Hence, even if a new policy does cover stolen valuables, it will not cover valuables that were stolen before the current coverage commenced. Therefore, we recommend getting acquainted with your renter’s insurance policy options and purchasing renter’s insurance as soon as you move into a new rental.

Call Jet Stream Insurance Group LLC in Miami Lakes, FL for more insurance information.

Florida Motorcycle Insurance – Helmets: Yes or No?

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What to Know About Florida Helmet Insurance Requirements

There’s nothing quite like embarking on a cross-country motorcycle adventure or exploring the many places in the Miami Lakes, FL, area. Whether it’s for personal pleasure or your motorcycle is your main mode of transportation, our team at Jet Stream Insurance Group LLC is here to help you understand and abide by Florida’s helmet laws.

To Wear a Helmet or Not Wear a Helmet – Yes or No

The laws in Florida are very explicit when it comes to helmet requirements for motorcyclists.

  • All motorcycle drivers are required to wear protective eyewear and helmets, which must meet the U.S. Department of Transportation requirements.
  • Only motorcyclists aged 21 years or older can opt not to wear a helmet, but only if they are adequately insured.
  • To lawfully operate a motorcycle, a person under the age of 21 must wear both a helmet and eyewear. Not wearing either one is not an option.

Passenger restrictions also exist under Florida’s motorcycle laws.

  • Passengers under age 21 must also adhere to the law and always wear a helmet and eyewear, with no exceptions.
  • Only passengers ages 21 and over can choose not to wear a helmet. This is allowed only if the passenger is insured with coverage to include medical benefits in the event of injuries sustained in a collision.
  • While traveling on public roads, streets, and highways, passengers are required by Florida law to wear U.S. Department of Transportation-approved protective eyewear.

Contact Us

If you still have questions about Florida’s position on motorcycles and helmets before heading to Miami Lakes, FL, feel free to contact our experienced team at Jet Stream Insurance Group LLC. We’ve got you covered.