If you are a renter, you may not even have considered that renters insurance is something that you should have. Some landlords or management companies will require you to have renters insurance, but it is not always required. That leaves you with the responsibility of making the decision to get it. At Jet Stream Insurance Group LLC in Miami Lakes, FL, we want to sit down with you and discuss the benefits of renters insurance. We can offer you choices from the top carriers in the business and having this important coverage is a good idea. 

You may be under the impression that your landlord has insurance and that is all you need. That impression will leave you with no possessions and no place to stay. Your landlord does have insurance on the building they own. It doesn’t cover your content and does nothing to protect you. You are responsible for purchasing renters insurance on your own.

Renters insurance offers a variety of coverage. It protects your possessions both in your rental and with you when you are traveling with it. It will help to replace the things that you need to live, like your furniture, clothing, and electronics. Imagine trying to have to replace all the things you use in your kitchen all at one time? It can be overwhelming. 

Renters insurance also offers liability coverage. If someone is injured while visiting your rental, you could be liable for medical bills and also be sued. If you have a dog, it will protect them as well from any bad behavior.

If your rental is damaged so badly that it is not habitable for a time, where would you stay?  With renters insurance, you will have the money you need to stay in a hotel or to get another temporary place to stay. 

Contact Jet Stream Insurance Group LLC in Miami Lakes, FL to learn more about the benefits of renters insurance. 

Anyone that is in the Miami Lakes, FL area will know very well that there are a lot of great recreational activities in the area. If you are looking to enjoy the area as well as you can, investing in a recreational vehicle can be a great option. With a recreational vehicle, you are going to be able to explore the area while enjoying your own asset. When choosing a recreational vehicle, you should also get a proper recreational insurance plan. This coverage should be obtained for a few reasons.

Get Protection for Vehicle

A reason that you need to get a recreational insurance plan is so you can protect your asset. When you are going to invest in one of these assets, you will want to ensure that you are covering it and can enjoy it for a long time. With a full insurance policy, you will have the support needed to replace or repair the vehicle if you incur some form of loss.

Liability Support

When you want to operate a recreational asset, it is important to remember that you are liable for accidents that can occur. If the accident is bad enough, this can mean covering significant property damage or medical bills. A great way to offset this risk is by investing in a recreational insurance plan as it will include a provision for your liability protection. 

Picking a recreational insurance plan in the Miami Lakes, FL area is a big choice. As you are assessing your various options, it would be a good idea to call Jet Stream Insurance Group LLC. There are many decisions to be made when looking for a plan and Jet Stream Insurance Group LLC can help you fully assess your options and pick an ideal plan. 

There are many viable reasons to rent an apartment or house versus owning one.  One good reason is that you don’t have to do any upkeep to the property as that falls to the property manager or owner of the house.  Another good reason is that you don’t pay any property taxes on the residence as that too falls under the homeowner or property management.  The biggest reason to rent versus own is that you don’t have a house payment to make and don’t have to pay any home insurance.  This last reason, of course, could be argued as you do make monthly rent payments and although you can’t purchase home insurance, you can purchase renter’s insurance.  If you pay rent for your home or apartment, you should contact Jet Stream Insurance Group LLC in Miami Lakes, FL to consider your insurance options.  We will cover the reasons why renter’s insurance is vitally important to any renter of a home or apartment. 

Renter’s Insurance

The story has been told numerous times over the years and in different guises, but the story remains the same, tragedy strikes a rental property and displaces residents.  A section of a large apartment complex catches fire and many units are heavily damaged through smoke and water from putting out the fires.  The complex put up the residents in a nearby hotel for a couple of weeks on their dime as a gesture of goodwill.  After these two weeks are up, some residents struggle to find housing and replacements for what they’ve lost, other residents have no issues lining up short-term housing solutions, so…what happened?

Insurance Makes The Difference

The residents who had issues, later on, did not have renter’s insurance while the others did.  More people than you know have this false sense of security believing that their items would be insured in case of a fire or theft through the complex’s commercial insurance, this is simply not the case.  The building itself is protected (walls, rooms, structure, etc.) but not the personal effects of each resident.  The only time when commercial insurance would pay for personal items is if the complex itself was found criminally negligent in how the fire started.  This is why you should always carry renter’s insurance for any rental situation that you find yourself in.  Renter’s insurance is also much cheaper for personal items than a regular home insurance policy.  Short-term rentals and housing after a personal loss are also covered under some renter’s insurance policies as an added benefit.

Further Information

To learn more about renter’s insurance, please contact Jet Stream Insurance Group LLC in Miami Lakes, FL today!

Motorcycles are becoming a popular choice of travel for numerous residents within Miami Lakes, FL, resulting in the increased purchase of motorcycle insurance. This coverage will also come in handy when your motorcycle spends considerable time in the garage, with the right cover allowing you to benefit from the proper protection measures. Below, Jet Stream Insurance Group LLC details some of the benefits you stand to gain with motorcycle insurance.

Adherence to the Law

As is the case in various states within the country, motorcycle owners are required to have motorcycle insurance to protect other motorists while on the road. Bodily injury and property damage liability are some examples that will come in handy in numerous states, with these policies covering you when you cause an accident. These will help you pay for 3rd party injuries and property damage while also helping you adhere to your state’s mandatory policies to avoid any fines.

Protects You and Your Passengers

When you get into an accident and get injured, medical bills can quickly accrue to high costs, leaving you with a financial burden. Motorcycle insurance protects you from such an occurrence and will help you pay your hospital bills. It also pays for your passenger’s treatment costs, reducing any out-of-pocket expenses. In addition to this, if you sustain significant injuries that result in loss of income, motorcycle insurance will provide you and your passengers with the necessary compensation.

Pays for Your Damage Costs

Motorcycle insurance will also help you cover your bike’s damage costs when you get into an accident or when covered perils arise. These can include collisions with other motorists and when your motorcycle is stolen or damaged by fire or hail. Your policy will provide compensation during these instances and will pay for your bike’s repair or replacement costs.

If you need help figuring out the right type of motorcycle insurance to get, contact Jet Stream Insurance Group LLC today. We will help you customize your motorcycle insurance to cover your riding needs within Miami Lakes, FL.

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.

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.

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.