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What are the different types of commercial insurance available?

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When it comes to protecting your business, commercial insurance is a must-have. There are many different types of commercial insurance policies available for Miami Lakes, FL area businesses at Jet Stream Insurance Group LLC, depending on the size and type of business you operate.

Here’s a quick overview of some of the most common types: 

Property Insurance:

This type of insurance covers any physical property owned or rented by your business, including buildings, furniture, equipment, inventory, and more. It can protect against losses due to theft, vandalism, fires, and other property damage. 

General Liability Insurance:

Also known as “slip and fall” coverage, general liability insurance protects against financial losses from personal injury claims or property damage claims brought by customers or other third parties. This type of policy also helps cover legal fees in the event that you’re sued over such an incident. 

Workers’ Compensation Insurance:

While not required in all states, workers’ compensation insurance is essential for businesses with employees who could be injured on the job. This policy provides benefits such as medical care and lost wages to those injured in the course of their employment with your company. 

Vehicle Insurance:

If your business uses vehicles in its operations – whether they’re owned or leased – vehicle insurance is necessary to cover any accidents that may occur while they are being operated. This policy can also protect against physical damage to any vehicles used in your business activities. 

Reach Out To Us

These are just some of the different types of commercial insurance policies available to businesses today. To ensure that your company is fully protected from potential risks, speak with an experienced broker about which policies will best meet your needs. For more information, call us at Jet Stream Insurance Group LLC today. We proudly serve the Miami Lakes, FL area.

Protecting Your Florida Home With the Right Coverage

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Living in a home of your own is something to be proud of. But no matter how much care and attention you put into it, accidents and damage can still happen. That’s why homeowners in Miami Lakes, FL should invest in home insurance for their peace of mind.

What Is Home Insurance? 

Home insurance protects your property from unexpected thefts or natural disasters like hurricanes or floods. It usually covers the following items: 

• The structure of your home 

• Your belongings that are inside the home 

• Any additional structures on your property, such as a shed or fence 

• Liability protection in case someone is injured while on your property  

Jet Stream Insurance Group LLC can help you find the perfect home insurance policy that fits your needs and budget.

Why Do You Need It? 

A good home insurance policy lets you know that you won’t have to bear the entire financial burden if anything happens to your home or its contents. Without a good policy, you could spend thousands of dollars out-of-pocket to repair damage or replace lost items.  

What Are Your Options?

Depending on where you live, certain types of coverage will be required by law (such as windstorm coverage). But there are also many other types of coverage available so that you can customize your policy to fit your needs. These may include coverage for personal liability protection, medical payments, theft/vandalism protection, and more.

Give Us A Call

Having the right coverage is essential when protecting your Miami Lakes, FL home from unexpected events. The experienced team at Jet Stream Insurance Group LLC can help guide you through the process to get the best possible policy for your specific needs and budget. Contact us today for more information!

Conquer Florida’s Rough Terrain with the Right Off-Road Vehicles

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From rugged trails to slippery slopes, there’s no denying that Florida’s terrain can be pretty challenging. But that doesn’t mean you must stay inside or leave the state. The right off-road vehicle and an experienced driver can get you where you want to go and make sure you return safely.  Jet Stream Insurance Group LLC is happy to help our Miami Lakes, FL clients with recreational insurance and related tips. 

Here’s what you need to know about selecting the right off-road vehicle for tackling Florida’s rough terrain:

Essential Off-Roading Equipment

Essential off-roading equipment includes mudding tires, a winch, first aid supplies, and survival gear. Mudding tires are designed for maximum traction in wet and muddy conditions. A winch is also a must-have for any off-roading vehicle. When choosing the correct winch, consider the total weight of your setup, including the vehicle, gear, and any trailers you are towing.

In addition to mudding tires and a winch, it is also essential to have first aid and survival gear when off-roading in Florida. Items to include in your wilderness survival kit are a map and compass, a first-aid kit, a fire starter, a water purification system, a flashlight or headlamp, and a solar blanket. 

Types of Off-Road Vehicles Best Suited for Florida’s Trails

ATVs are best suited for navigating tight, winding paths with plenty of obstacles, such as deep mud, sharp rocks, and steep hills. UTVs are more extensive, heavier vehicles designed to tackle more prominent, more open terrain. They are perfect for traveling long distances and crossing large expanses of rough terrain.

4×4 OHVs are designed for taking on rugged terrains such as rocky hills, deep mud, and loose sand. Motorcycles are also good options for exploring the backcountry in Florida, as they have the power and agility to handle tricky terrain.

Get The Right Coverage Today

Jet Stream Insurance Group LLC, serving the greater Miami Lakes, FL community, provides recreational vehicle insurance for your needs. Our experienced professionals work hard to provide the right coverage for our customers. Contact us today to insure your favorite off-road rides!

Why You Need Renters Insurance

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Renters have specific needs when it comes to insurance. They don’t need a policy that is like home or condo insurance. Those policies pay for damage done to a dwelling because those policies are used by the property owners. Renters don’t have to carry an insurance policy that covers the dwelling since they don’t own it. Instead, there are other types of coverages they need that are all in a renters’ policy.

To get a policy of your own, call us now at Jet Stream Insurance Group LLC in Miami Lakes, FL. 

Why Renters Insurance?

Possessions Coverage

Your dwelling may not need your protection, but your possessions certainly do. It’s likely that most of what you own is inside your rented home, and all of those items need to be protected. With renters’ insurance, all of your belongings that are inside your home are covered under the policy. This provides for your items to be replaced by insurance when you have an event that damages them. Covered events include a wide range of occurrences like certain accidents, calamities, and disasters. 

Liability Coverage

When you have a rented home, you’re responsible if anyone should have an accident there. If someone came into your home and had an accident with injuries there, you would be liable for a number of their expenses, including medical bills. You need to have liability coverage in case this happens. There are a number of types of liability that can put you at risk financially when you’re a renter, and renters’ insurance can cover you against these to safeguard your finances against lawsuits. 

Get Your Renters Insurance Policy

When you’re renting, you need to have this coverage because of the many risks you’re vulnerable to. To get your renters’ policy, call us at Jet Stream Insurance Group LLC in Miami Lakes, FL.

Is Motorcycle Insurance Required in Florida?

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Motorcycle insurance is a very important policy to have in place. If you own a motorcycle in the state of Florida, you are not required under the law to have motorcycle insurance since Florida is one of the few states that do not require it, but it is still important to obtain a policy.

The experienced motorcycle insurance agents at the Jet Stream Insurance Group, LLC, in Miami Lakes FL are explaining the importance of motorcycle coverage in Florida, even though it is not required.

Motorcycle Insurance Coverage Options

Liability Insurance: Motorcycle liability insurance is extremely important to have in place in case you are ever in an accident with another vehicle, and it is deemed to be your fault. This type of policy will assist you in paying for the other driver’s property damage and medical bills if necessary.

Comprehensive Insurance Coverage: Comprehensive insurance coverage will replace or repair your bike if it is damaged or destroyed by something. Those things can range from a disaster by mother nature, such as a tornado or hurricane, or a fire occurring in the location where your bike is parked. It can also help pay for damages caused by a vandal. This type of insurance will also help you replace your bike if someone steals it.

Collision Insurance: Collision insurance is another type of auto insurance that you may want to have since it will help you out if there are damages to your vehicle or another vehicle after a collision occurs. This can also be important if you happen to run into some type of object with your vehicle. 

If you owe money to a lender for your motorcycle, the lender may very well require you to have motorcycle insurance coverage, including comprehensive and collision coverage to protect their investment in your bike.

Contact Us Today

To obtain an adequate amount of motorcycle insurance coverage for you, your motorcycle, and your situation, you should enlist the help of an experienced agent. The motorcycle insurance agents at the Jet Stream Insurance Group, LLC, in Miami Lakes, FL are ready to assist you with all of your insurance needs. Call for an appointment today!

Risks That You Face if You Do Not Have Boat Insurance

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It is not required for boat owners in the state of Florida to have boat insurance. Therefore, it is not surprising that many people owning boats and watercraft in the Sunshine State decide not to spend money on insurance and leave their vessels unprotected. If you are one of them, you should understand how risky it is. Jet Stream Insurance Group LLC in Miami Lakes, FL can help you navigate this vital coverage.

Here is a list of risks you may face if you decide to skip boat insurance and operate your boat without it: 

What Are The Risks Of Not Having Proper Boat Insurance?

  • You will be paying for all of the damages and repairs. If something happens to your vessel and it gets damaged, for example, you will have to carry all the expenses and pay them out of your pocket. 
  • Medical expenses will not be covered. If you or your passengers get injured in a boating accident, you will also have to pay for them. If you have health insurance, it may cover something, but you will not have the extra coverage that boat insurance policies provide. 
  • You will be liable for personal injury and/or property damage caused to others. Even minor accidents can cost you a lot – thousands or even tens of thousands of dollars. 

Get Boat Insurance today

Are you searching for boat insurance in Miami Lakes, FL or any other surrounding area? Give us a call at Jet Stream Insurance Group LLC today. We specialize in different types of insurance and have a team of professional and experienced agents, who will be glad to help you find the right insurance plan. Reach out to us today!

Does My Homeowner’s Insurance Policy Cover Floods?

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Floods are one of the most common natural disasters in the United States. They cause billions of dollars in damage every year and affect thousands of people. If you live in a flood-prone area, it’s important to know what your homeowner’s insurance policy covers.

Here we discuss whether or not homeowner’s insurance policies cover floods and what you can do to protect yourself from this dangerous disaster.

Does Homeowner’s Insurance Cover Floods?

Unfortunately, most homeowner’s insurance policies do not cover floods. This is because floods are considered an "act of God" and are therefore not covered by most insurance policies.

However, there are some exceptions. If your home is damaged by a flood caused by a broken pipe or other man-made disasters, your homeowner’s insurance policy may cover the damage.

What Can I Do to Protect Myself From Floods?

If you live in a flood-prone area such as Miami Lakes, FL, it’s important to take steps to protect yourself and your home from this dangerous disaster. The first step is to purchase flood insurance from a reputable insurance company such as Jet Stream Insurance Group LLC.

Flood insurance is a type of insurance that covers the cost of damage caused by floods. It’s important to note that flood insurance is not the same as homeowner’s insurance. Homeowner’s insurance does not cover flood damage, but flood insurance will.

Protecting Yourself From Floods

If you live in a flood-prone area, purchasing flood insurance is important. Flood insurance will cover the cost of damage caused by floods, which is not covered by most homeowner’s insurance policies. Take steps to protect yourself and your home from this dangerous disaster today.

If you’re interested in purchasing flood insurance, Jet Stream Insurance Group LLC located in Miami Lakes, FL can help. We offer a variety of different flood insurance policies that can be tailored to your needs. Contact us today to learn more.

Umbrella insurance FAQs

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Umbrella insurance has to be the most misunderstood insurance in the world. There always seems to be a lot of questions about this policy. At Jet Stream Insurance Group LLC in Miami Lakes, FL, we like to share our extensive insurance knowledge with our customers, which includes umbrella insurance. As independent insurance agents, we have access to more than one carrier and lots of policy options. 

What exactly is umbrella insurance?

Umbrella insurance is a policy that you purchase to supplement a policy that you already have with liability coverage. It is an excess liability. It is affordable and provides a lot of protection. 

Can you buy umbrella insurance by itself?

You need to have a policy that already has liability coverage. Types of insurance with liability coverage include:

  • Auto Insurance
  • Motorcycle Insurance
  • RV Insurance
  • Boat Insurance
  • Home Insurance
  • Condo Insurance
  • Renters Insurance
  • Commercial Insurance

Do you need to buy umbrella insurance from the same company as your other liability policies?

It is not necessary to buy the umbrella policy from the same company with whom you have your other policy. However, there could possibly be a multi-policy discount, so keep that in mind. 

Is umbrella insurance only for the wealthy?

No, umbrella insurance is not just for the wealthy. Anyone who owns a home or has assets can benefit from the additional coverage that it provides. You work hard for what you have and you should protect it. 

If I am a renter, can I get umbrella insurance?

Yes, renters insurance provides liability coverage which can be increased with an umbrella policy. It will also provide additional liability on your auto insurance if you are a driver or boat insurance if you have a boat. 

Give Us A Call

Contact us at Jet Stream Insurance Group LLC in Miami Lakes, FL to discuss how you could benefit from adding umbrella insurance to your insurance portfolio. 

Is There A Deductible For Damages Covered By My Condominium Master Policy?

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There are usually two types of deductibles. One is usually associated with physical damage and the other with a loss of money or other valuables. With the latter, the amount of the deductible usually depends on the value of the policy. 

Most policies will have a maximum deductible before the insurance company would pay up. Ensure you check with your agent before purchasing a condo master policy to confirm you know the maximum deductible amount. For inquiries, visit Jet Stream Insurance Group LLC, Miami Lakes, FL. 

Deductible For Damages: What You Need To Know

If you smoke in your condo, for instance, the building may require you to pay for the expense of removing the smell from the carpets. The amount of this cost will be included in your master policy and the cost is typically a covered occurrence. As the owner, you’re responsible for maintaining the unit in good condition, which includes ensuring that it doesn’t retain any odors. 

Ensure to read the coverage details of your condo master policy to certify that the cost of getting rid of odors is covered. Even if you purchased a condo policy, you may want to consider purchasing a separate homeowners policy that covers your entire property. A homeowners policy may be more expensive, but it will protect you against financial ruin if your condo is damaged or destroyed. 

The amount that can be deducted from damages is highly dependent on the type of damage incurred. If you are found at fault for the damage, you may be inquired to pay the full amount of the deductible. If the damage was caused to a common area, but no one was found to be at fault, then the deductible might be divided among all of the condo owners. 

Contact Us Today

Depending on the policy, the deductible for damages may be $500 or higher. The condominium master policy usually does not include a deductible for any damages covered under the policy. Usually, the only deductible that the policyholder must pay is the deductible for the annual physical inspection of the condominium unit. For expert advice in Miami, Lakes FL, consult with Jet Stream Insurance Group LLC.

Make sure your auto policy includes uninsured driver protection!

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Jet Stream Insurance Group LLC is here for the Miami Lakes, FL community. Residents in our area rely on us for all of their insurance needs, including auto policies. If you have questions about your current policy or need a new one, please call our office today.

Why uninsured driver protection is so important

Unfortunately, there are many uninsured drivers on the road in Florida. This means that when they are involved in an accident, there is no corresponding coverage for the other parties. Without uninsured driver protection, a person could be left having to pay for their own expenses.

This important coverage can help policyholders avoid being left with the financial responsibility for damages and injuries that are caused in an accident that involves an uninsured driver. Without this additional policy coverage, an accident can be catastrophic in more ways than one.

When an injury-causing accident occurs, there is enough to worry about other than medical expenses and car repairs. Unfortunately, these concerns can take center stage when it is unclear how the expenses will be paid. There is enough to get through after such an accident, that this additional stress can be overwhelming.

With the appropriate amount of protection against uninsured drivers, it is possible to protect oneself from the financial responsibility that can arise from such an incident. Now is the time to review current auto policies to ensure they have this coverage. 

Our team is on your side!

If you live in the greater Miami Lakes, FL area, you can count on the Jet Stream Insurance Group LLC for all of your insurance needs. We are here to help you obtain the right insurance protection for your needs. Call or stop by our office today to find out more.