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Flood Insurance After Serious Rain: How It Helps?

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Heavy rains in Miami Lakes, FL are not uncommon, particularly in hurricanes. Thankfully, a good flood insurance policy from Jet Stream Insurance Group LLC will help you stay solvent and avoid financial issues.

How Insurance Will Help

If your home is heavily affected by a sudden influx of rain, your flood policy will help cover many elements of your home. Understanding these will help ensure that you have the best coverage possible. You’ll get help with:

  • Repairing damage caused directly to the building
  • Help with repair foundation
  • Fixes for electrical, plumbing, and HVAC systems
  • Replacement for various kitchen appliances
  • Repair and replacement of permanent carpets, shelves, and cabinets

Some homeowners may also want to consider content coverage on their policy. This option helps to cover various things like curtains, computers, clothing, and other items within your home. It may even cover certain types of art and artwork.

What Insurance Can’t Cover

While a good flood insurance policy will cover much of the damage that may occur after heavy rains, there are some things that it won’t pay. These exceptions are common to many policies and providers, though they may vary. These non-covered items include:

  • Anything located outside the building (decks, swimming pools, etc.)
  • Temporary housing needs
  • Business interruption if you work from home
  • Limited coverage for basements and crawlspaces

Your policy will vary according to your insurer. Some may provide more extensive payment options that help to minimize how much you lose. Others may have a line-by-line adjustment that makes your policy more specific to your needs.

Get Help Today

Please call us at Jet Stream Insurance Group LLC to get the flood insurance you want. We serve Miami Lakes, FL, and the surrounding area and work hard to satisfy your needs.

Does Condo Insurance Cover Theft?

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Your home in Miami Lakes, FL is safe from various risks if you chose to buy condo insurance from Jet Stream Insurance Group LLC. The policy comes to your rescue whenever theft occurs in your home. The insurance covers separate scenarios, for instance, when theft occurs inside your home or outside your home. It replaces your stolen valuables. To some extent, it pays for repair work in case damage occurred during the burglary. Different coverage policies may not cover all types of theft. Therefore, understanding what type of thefts that your condo insurance cover compensates is a wise move. Scroll down to grasp the basics. 

When To Expect Compensation After a Theft Has Occurred

Your valuables are safe from burglary if you own a standard homeowners policy. It covers scenarios such as pickpocketing and home breakages. However, find out if your insurance covers the Actual Cash Value or a Replacement Cost Value type. ACV works with the actual value when compensating for your stolen items. On the other hand, RCV reimburses you based on market value. Expensive equipment in your home comes with a reimbursement limit, depending on the insurance policy you are servicing.

What Coverage Limits Does Home Insurance Feature?

When purchasing your condo insurance policy, your agency will request you to write details of your family members for coverage. The list includes your spouse, your kids, and other people you may accommodate in your home. The policy covers personal valuables belonging to the people you have listed. However, the policy stops covering your kids if they move out after owning their homes. 

What Does the Policy State About Home Break-Ins?

Condo insurance covers break-ins and compensates for the losses you have incurred. The policy divides the subject into two, where the first includes loss of valuables during a theft. The category houses TVs, laptops, radios, DVDs, among others. The second category, damage, features breakages that occurred during a burglary in your home. It compensates for repair costs and replacements.

Talk to Jet Stream Insurance Group LLC in Miami Lakes, FL today to get decent condo insurance to safeguard your valuable home and your loved ones.

4 Things You Should Know About Florida Auto Insurance

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Once you have a license in hand, you have nothing to think about other than hitting the road. However, before starting to cruise the Miami Lakes, FL streets, you need to establish whether you have the right auto insurance. Otherwise, your ride can turn into a nightmare when involved in an accident. How well do you know Florida car insurance? Whether you have zero or little knowledge of auto insurance, Jet Stream Insurance Group LLC is here to share insights on car insurance to help you understand this coverage better.

Car insurance is mandatory in Florida.

While driving your car on public roads, the Sunshine State requires you to carry valid auto insurance. If you drive without auto insurance, your driver’s license and car plates can be suspended for up to three years, and you will need to pay $500 to have them reinstated.

Here are the state-required auto insurance coverages

According to the laws of Florida, drivers are required to have the below minimum coverages in their auto insurance:

  • Personal injury protection (PIP) coverage: This coverage pays for your medical expenses and partial loss of income regardless of who was at fault for the accident. 
  • Property damage liability: This coverage pays for damage costs you cause to other people’s property. 

While the minimum required amount is $10,000 for each of the above coverages, you should raise this amount for optimal coverage.

Florida is a no-fault state.

In America, 12 states have no-fault insurance laws, and Florida is one of them. Here it means that drivers are required to get coverage for their own injuries and property damages. What it means is that regardless of who was at fault for the accident, everyone is required to claim for damages and injuries from their insurance. 

There are other auto insurance coverages.

While it’s essential to consider the state-required auto insurance minimums, you need to consider other options for all-around protection. These include:

  • Comprehensive coverage
  • Collision coverage
  • Underinsured/uninsured motorist coverage
  • Umbrella insurance
  • Roadside assistance

If you search for auto insurance in Miami Lakes, FL, you can’t go wrong with Jet Stream Insurance Group LLC. Contact us today for an affordable quote.

Who needs to get commercial insurance?

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When you are a business owner in the Miami Lakes, FL area, you will have a lot of different opportunities for success. While this part of Florida can be great for those who want to build a company, some risks come with running a business. Anyone that is going to run a company here needs to get proper insurance for it. There are several situations when having commercial insurance will be necessary for a business.

When Trying to Protect Business Investment 

When someone wants to find commercial insurance for their company, they are trying to protect their business investment. A business owner needs to be aware of the risks that they will take on when starting and running a company. These include the risks of having assets stolen or damaged or being named in a liability claim. Fortunately, commercial insurance can mitigate many of these risks and even keep your organization solvent during some difficult times. 

When Entering into Business Agreements

A business may also need a commercial insurance plan when they enter into certain agreements. If you have decided to start a company and need to take out a loan or raise outside money, you will likely have insurance requirements that need to be met. With a full commercial insurance plan, you can meet these requirements. 

A Miami Lakes, FL business needs to spend time carefully assessing their commercial insurance needs. As you are looking for a new plan in this area, it would be helpful to call Jet Stream Insurance Group LLC. Many factors need to be considered when shopping for insurance coverage, and the team at Jet Stream Insurance Group LLC can help ensure you choose the best plan for your situation. 

Basic Facts To Remember While Researching Home Insurance

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Jet Stream Insurance Group LLC serves the Miami Lakes, FL community. We offer our clients multiple policies to help them protect what matters most. Our first-class customer service is vital to us. We have positive relationships with several carriers throughout Florida to help ensure that you find a policy that suits your individual needs.

Basic Home Insurance Facts

Home insurance offers protection against different risks. The policy covers any property damage, as well as your personal items inside your home. Here are some basic facts to remember while you research home insurance for your Miami Lakes, FL property.

Understanding Your Liability Coverage

Liability coverage is a significant part of your home insurance policy. You are covered if you invite guests over and someone gets injured. Liability coverage also protects you if you cause damage to someone else’s property. You are covered if you are working on a landscaping project, and you cut down a tree that lands on your neighbor’s property.

Personal Items

Your personal items are covered if someone breaks into your home and steals or vandalizes your possessions. However, you will have to amend your policy if you have any luxury items inside your home, such as jewelry or fur. That is the only way to ensure that these special items are fully covered.

Maintenance Matters

Even though you have home insurance, it’s important that you take care of your property. If your property suffers erosion due to poor maintenance, you will not be covered for those damages.

Emergency Repairs

If your home needs emergency repairs, you can add temporary lodging coverage to your policy so that you will be covered as you find another place to stay until your home is repaired.

Jet Stream Insurance Group LLC Will Help You Protect What Matters Most

Visit our website to learn more information about home insurance. 

Recreational Insurance for Beginners

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Recreational vehicles are very popular in the United States. Over 11 million households are spending at least three weeks in an RV every year. However, an RV is not a cheap investment. Owning one will cost upwards of $50,000. On top of the cost of purchase, there are maintenance requirements that will cost even more. 

If you spend such large amounts of money, you must take the necessary measures to protect your RV from damage, theft, and other risks. In Florida, the law mandates RV owners to have specific coverages when on the road. However, these coverages might not be enough to protect your investment fully. That’s why you need adequate coverage for your valuables. 

To help you get the right coverage for your RV in Miami Lakes, FL, Jet Stream Insurance Group LLC provides you with all the information you need to make the right decision. 

What Does Recreational Insurance cover?

RV owners, just like other car owners, encounter all manner of unexpected situations on the road. With that in mind, it becomes necessary to pursue the coverage options you have.

Recreational vehicle insurance will cover similar risks as auto insurance does. Expect comprehensive, liability, and collision. You can also get additional coverage for personal items and equipment on board. Depending on your policy, recreational insurance can cover emergency expenses, total loss replacement, towing, and uninsured/underinsured. 

How Does Recreational Vehicle Insurance Work?

RV insurance is meant to prevent the vehicle owner from incurring out-of-pocket expenses in the event of loss or an accident where they’re at fault. This coverage will offer compensation for both property damage and bodily harm. 

Get RV Insurance Today

Are you a new owner of a recreational vehicle in Miami Lakes, FL? You need to explore recreational insurance coverages to protect your worthy investment. Unfortunately, you don’t have the right knowledge to choose the right coverage option. What should you do?

Do not fret! Jet Stream Insurance Group LLC is ready to help you out. Visit our website to get more information about this insurance.

What is not covered under renter’s insurance.

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When renting an apartment, you will need renter’s insurance to protect your property in case of damage or theft. It is normal when choosing a policy to look at what it covers, but it is also important to know what it does not cover. Let’s look at the list of events not covered by the renter’s insurance policy set out by the Jet Stream Insurance Group, LLC, serving Miami Lakes, FL.

Two major events that are not covered by the policy are earthquakes and floods. Specific policies need to be purchased to cover those calamities.

If you have pets and they damage anything in your home, it is not covered. However, if your dog chews up your neighbor’s carpet or bites someone inside your home, you will be covered under the personal liability part of the policy.

High-value items like jewelry and electronics often have a coverage limit. Suppose it is too low to replace your most treasured, expensive items. In that case, you may consider buying a policy endorsement to increase the coverage limit in line with these items’ replacement cost.
If you live with a roommate, your policy will not automatically insure their belongings. Ideally, they should have their own policy to cover their possessions; otherwise, they need to be listed under your policy.

Lastly, the act of war or terrorism is not covered by renter’s insurance. If you are worried about a terrorist attack or war striking Miami Lakes, FL, there are add-on policies to cover those events.

Now that you know what is not covered by the renter’s insurance, you can make a better-informed choice when making your purchase. The Jet Stream Insurance Group, LLC consultants can help you choose the appropriate policy cover for your circumstances, so give us a call.

The Things To Consider Before Buying Motorcycle Insurance

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Whether you are a lucky motorcycle owner already or you are going to buy one, motorcycle insurance is something you should consider first. If you have never purchased this type of insurance before, it may be challenging to choose the right policy. For this reason, Jet Stream Insurance Group, LLC, serving Doral and Miami Lakes, FL, has prepared a list of things you should consider before purchasing a motorcycle insurance policy: 

  • The type of bike and any modifications. In general, motorcycle insurance is cheaper if a motorcycle does not have any modifications. Moreover, the smaller motor on your motorcycle, the less you will have to pay for the insurance. Therefore, if you do not want to pay a fortune for your motorcycle insurance, you should stick with a basic and old bike with a small motor and no modifications. 
  • How often you use your bike. For example, if you are going to use your bike regularly, you will need to protect it with a full-coverage policy. However, if your motorcycle is a leisure vehicle that you use only occasionally, you do not have to purchase much coverage. It is recommended to talk to an experienced insurance agent who will help you determine how much coverage you need. 
  • The deductible. It is the amount you will have to pay before your insurance kicks in. The higher your deductible, the less you will have to pay for the premium. However, having a high deductible may also be risky if you do not have enough money to pay it if something happens. 

Having motorcycle insurance is important if you are a motorcycle owner and want to protect yourself and your precious possession. If you are currently looking for a proper insurance policy and live in Miami Lakes, FL or any other surrounding town, Jet Stream Insurance Group, LLC will be glad to assist you. All you need to do is give us a call to talk to one of our knowledgeable insurance agents. 

Can Boat Insurance Make You Safer on the Water?

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You might think that boat insurance might have little to do with water safety in Miami Lakes, FL. After all, safety is about having the right plan in place in case of an emergency and about taking preventative measures whenever possible. Insurance is just a contract full of legal terms. But there might be a connection that you’re missing here, and Jet Stream Insurance Group, LLC is here to help you understand more about the link between the two. 

The Right Resources 

Boat and watercraft insurance is there to help you take care of any issues quickly. If there’s a minor accident that damages your vessel and you don’t have insurance, you might be inclined to put off having the repairs done. But this is a major mistake that can lead to drastic consequences. Not only can this ruin your boat over time, but it can also lead to a malfunction on the water that puts everyone in danger. For example, if there’s a small hole in the side of the boat above the water, it can enlarge over time to eventually compromise the stability of the whole structure. 

The Right Peace of Mind 

From accident coverage to more liability, having enough protection on a boat makes everyone safer. A good boat insurance policy in Miami Lakes, FL can mean the difference between excellent medical coverage for injuries and no coverage at all. Jet Stream Insurance Group, LLC wants to help you find the terms that will keep you feeling confident when you’re on the water. Whether you go out on your own or you have big parties every weekend, we know how important it is to put safety first. Give us a call today to see what we can do to help you. 

What Umbrella Insurance Can Do for Your Peace of Mind

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There are many ways to have peace of mind, and umbrella insurance is one of them. If you’re in the Miami Lakes, FL area, Jet Stream Insurance Group, LLC can help you get the umbrella coverage you need to have the protection you’re looking for. While this kind of policy may not often be needed, there are times when it’s very valuable to have. You’ll want to make sure you have the protection you feel good about, and there can be plenty of reasons why you’d look for an umbrella policy. No matter your reasoning, you can get a quality experience with us and help from our dedicated agents.

Feeling safe and secure in life isn’t always easy, but when you have that security and comfort, you’ll be able to sleep better at night and enjoy more of what Florida has to offer. That’s good news for you and your family, and it all starts with an umbrella insurance policy that’s protecting you and yours from additional or increased risk. You don’t have to settle for lack of coverage or worry that the protection you have isn’t enough when you have us on your side and can get your questions answered.

Because umbrella insurance starts where other policies end, you’ll get an extra layer of coverage to protect you and keep you secure. If you’re in the Miami Lakes, FL area, and need this type of coverage, Jet Stream Insurance Group, LLC can help you get what you’re looking for. We know it’s important to enjoy peace of mind, and we want to make sure we can help provide that so you can feel good about the protection you’re choosing and how you can use it in the future. There’s no reason to have anything less.