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Who needs to carry flood insurance?

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Floods are common occurrences in many places. They cause catastrophic damage to homes and other property. With the threat of various weather events looming over all of the United States, every state has suffered from the devastation that can be caused by flooding. Many people assume that their home, condo, or renters insurance will protect them in the event of a flood, but that is not correct. Floods are excluded from just about every type of insurance. If you live in or near Miami Lakes, FL, Jet Stream Insurance Group, LLC is an independent agency that thinks of its customers as members of the family. We take pride in making sure that we customize your insurance coverage to you and your needs. 

When you live on the coastline, or within storm surge distance of the shore, you know you need to have flood insurance. Hurricanes can cause storm surge that goes a long way from the shore. In some cases, it has gone as far as 30 miles, so if you think you are safe, you may need to rethink that. Along with storm surge, some storms have rainfall that can cause lakes and rivers to rise to unprecedented heights. 

Every spring, snowmelt in the north leads to flooding along rivers and streams in the United States. On a major river like the Mississippi, it can cause damage for 100s of miles as the massive amounts of water head south. In other places, dams have failed and sent water into unsuspecting homes. In other words, talk to your insurance agent about the potential in your area for flooding. 

When you are ready to discuss your flood insurance needs, Jet Stream Insurance Group, LLC in Miami Lakes, FL will be here for you. We invite you to stop by our office or give us a call, and we will provide a free quote and all the additional information you want. 

What is included with condo insurance?

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Those that are in the Miami Lakes, FL area are going to have a lot of different housing options. For those that want a nice place, but do not want all of the maintenance and upkeep responsibilities, getting a condo could be a great option. When you do get a condo, you should also get a condo insurance policy, as it will include a variety of different forms of coverage. 

Coverage for Assets

One of the main benefits of getting a condo insurance policy is that you will receive coverage for all of your assets. If there is ever a fire or other form of damage in your condo unit, the condo insurance policy will give you coverage to make repairs. The condo insurance policy will also include some coverage for your personal items if there is ever an incident of theft or other damage.

Coverage for Liability

When you get condo insurance, you will also receive protection for liability. Similar to those that own a single-family home, those that own a condo are going to take on liability risk if they have a guest come over to their home. Fortunately, when you get a condo insurance policy, you can mitigate this risk. A full condo insurance coverage policy is going to include a provision for liability insurance protection.

There are a lot of great reasons to get a condo insurance policy for your condo. When you are looking for a condo insurance policy in the Miami Lakes, FL area, you should call Jet Stream Insurance Group, LLC. When you work with Jet Stream Insurance Group, LLC to discuss your insurance needs, you are going to learn a lot more about your insurance options and get into a policy that gives the right protection.

Three auto insurance liability requirements in the state of Florida

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It’s crucial that motorists in Miami Lakes, FL meet their insurance coverage requirements to drive legally. At Jet Stream Insurance Group, LLC, we help motorists find the right insurance policy for their needs.

The following are three auto insurance liability requirements that Florida drivers need to meet.

Florida requires $10,000 in bodily injury coverage for individuals and $20,000 in total bodily injury coverage per accident.

One of the most significant potential expenses in an auto accident is medical bills resulting from bodily injury.

For basic liability insurance in Florida, you need to have an auto insurance policy with at least $10,000 in bodily injury coverage for an individual. For accidents where multiple individuals are injured, you need to have coverage of at least $20,000 in total. 

Florida requires $10,000 in property damage coverage.

You need to carry coverage for possible property damage from an auto accident that you are involved in. You need to carry at least $10,000 in property damage coverage. However, it’s a good idea to carry more than this because a vehicle accident can often result in more than $10,000 of property damage. 

The state of Florida also requires uninsured motorist coverage.

Some states require motorists to have uninsured motorist coverage that kicks in if they are involved in an accident with a motorist who does not have insurance coverage.

The requisite amount of uninsured motorist coverage for Florida auto insurance policies is $10,000 in coverage for damages per individual and $20,000 in coverage for damages per accident. 

Of course, it’s best to have an auto insurance policy in Miami Lakes, FL that does more than meet state liability requirements. At Jet Stream Insurance Group, LLC, we offer insurance policies that meet liability needs in addition to providing options like collision and comprehensive coverage. 

How Can Commercial Insurance Protect Your Business?

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If you own a business in Miami Lakes, FL, you probably rely on it to provide for your family and employees. However, sometimes things happen that are beyond your control. For those times, commercial insurance can protect the business you have worked so hard to build. Jet Stream Insurance Group, LLC agents are available to discuss the type of commercial coverage that might work best for your company.

Types of Commercial Business Coverage

To get you started, here are some standard options to cover your business. 

Business Property Insurance

Commercial insurance includes property insurance for the space you own, lease, or rent. It covers buildings, inventory, equipment, and other items indicated in the policy. Sometimes, it includes accounts receivable and loss of important papers.

Business Liability Insurance

Ask your insurance agent for guidance to determine how much liability protection you need. This type of coverage pays for bodily injury or property damage. It may also cover the cost of defense if you are sued.

Workers’ Compensation

Workers’ compensation covers employees for illnesses and injuries. It may pay for lost wages, medical care, and expenses related to lost work time due to a job-related accident or illness. It might also provide a financial benefit to a deceased workers’ family. If relevant, it also helps you pay legal costs associated with a workers’ compensation claim.

Commercial Auto

Commercial auto insurance suits transportation-dependent businesses with company vehicles. It can even protect your personal car that you use for business.

Commercial Insurance in Florida

Contact Jet Stream Insurance Group, LLC in Miami Lakes, FL to set up an appointment for a free quote and to discuss the best way to protect your company with business insurance. Every organization has different needs, but our knowledgeable agents specialize in setting up businesses in Florida with reliable insurers.

How Can Home Insurance Protect Your Belongings?

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When you buy home insurance, you’re protecting more than the physical structure of your home. Depending on the coverage you choose, you can also protect your belongings. Find out more from a qualified agent at Jet Stream Insurance Group, LLC in Miami Lakes, FL. In the meantime, keep reading to learn more about using home insurance to safeguard your hard-earned personal property. 

What Is Personal Property Coverage?

Personal property coverage is a subset of home insurance. It reimburses you if your home is burglarized or damaged from a covered event. Do you wonder what’s covered? Anything from clothes and electronics to the trampoline in your backyard may be included. Be sure to go over your options carefully with your insurance agent so that you can make the right choices and protect your prized possessions.

How Does It Work?

If you file a claim for a covered event, you may be subject to a deductible. The insurance company reimburses you for damages or stolen personal belongings up to the coverage limit. Typically, it covers the stuff in your garage, home, and items in your vehicle or hotel room while you travel. Personal property coverage handles events such as fire, wind damage, and theft.

Some things aren’t covered, including a fuse shortage that destroys your TV. However, you can purchase a home warranty to supplement your home insurance coverage for unexpected electrical surges and related events. 

Types of Belongings Covered

Here are some of the items covered by your home insurance policy: 

  • Indoor and outdoor furniture
  • TVs
  • Clothing
  • Rugs
  • Kitchen appliances
  • Bikes
  • Trampolines
  • Lawn care equipment

Find Home Insurance in Florida

Contact Jet Stream Insurance Group, LLC for more information on how to protect your belongings with home insurance. Let us set up an appointment to provide a free quote for your home in Miami Lakes, FL.