There's something you should know: Flood losses are not covered by your homeowners insurance policy. Floodwaters have the power to damage not only your home and sense of security, but also your financial future. How can you protect your most important investment in case of flooding?
Option 1: Hope that you'll receive federal disaster relief if a flood hits.
Many people wrongly believe that the U.S. government will take care of all their financial needs if they suffer damage due to flooding. The truth is that Federal disaster assistance is only available if the President formally declares a disaster. Even if you do get disaster assistance, it's often a loan you have to repay, with interest, in addition to your mortgage loan that you still owe on the damaged property.
Most importantly, you must consider the fact that if your home is flooded and disaster assistance isn't offered, you'll have to shoulder the massive damage costs alone. The bottom line is that if you're looking for secure protection from financial loss due to flood damage, Federal disaster assistance is not the answer.
Option 2: Buy flood insurance and stay protected no matter what.
When disaster strikes, flood insurance policyholder claims are paid even if a disaster is not Federally declared. Flood insurance means you'll be reimbursed for all your covered losses. And unlike Federal aid, it never has to be repaid
In general, a policy does not take effect until 30 days after you purchase flood insurance. So, if the weather forecast announces a flood alert for your area and you go to purchase coverage, it's already too late. You will not be insured if you buy a policy a few days before a flood, so contact us today before a disaster strikes.
Pro Player Insurance Group specializes in providing businessowners, homeowners and renters with high quality, affordable flood insurance. We’ve seen the damage floodwater can cause, and we don’t want this to happen to you. Don’t let a flood drown your finances. Allow us to get you covered right away by requesting a free quote.
The federal health care law known as the Affordable Care Act brought many changes, especially for people who don’t have health insurance now. Effective January 1, 2014, most people will need to have health care coverage. This is part of the individual mandate, the requirement by the government that individuals buy health insurance. If you do not have a health care plan, you will have to pay a new tax. However, don’t forget that you may be able to help from the government to pay for your health plan.
You can buy one of the new health care plans from any of the insurance companies that we offer at Pro Player Insurance Group. Together we can help you apply for and enroll in the plan that most closely matches your needs, including providing benefits for the medical care you need at a reasonable price. Tailoring your coverage allows you to avoid paying for benefits you don’t need while assuring coverage for the benefits and services you choose to include in your plan. Contact us today for a health insurance plan.
This information is for illustrative purposes on and is being provided to help increase understanding of the impacts of some of the provisions of the Affordable Care Act (ACA). It does not attempt to cover all of the law’s provisions and is not intend as tax or legal advice. We encourage members to seek professional advice including legal counsel, regarding how the new requirements may affect you.
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70% of personal property theft loses are jewelry. With jewelry scheduled on your homeowner's policy, a jewelry loss could count as a homeowner's loss--and that can count as a claim against your policy. We can offer you a standalone jewelry policy that will offer broader coverage at a lower cost. With a Jewelry Insurance Brokers of North America (JIBNA) standalone jewelry policy, jewelry claims do not impact your homeowner's coverage. Call us to discuss the benefits of switching your jewelry to a JIBNA standalone jewelry policy.
All jewelry and watches over $1000 in value
Antique and period jewelry
Engagement Express: We can provide 1-day service for newly purchased wedding jewelry
Same day quotes & binding
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You might be asking yourself if life insurance is really necessary for you. The truth of the matter is that life insurance offers a number of benefits that you may not have previously considered. Some of these benefits include:
Life insurance can be just the thing you need to ensure security and comfort for your family. At Pro Player Insurance Group, we don’t intend to sell you something you can’t afford or that won’t be beneficial to you. We want to present you with your best options—the decision to buy is up to you. Please give us a call today or complete a quote form for more information. Let’s build the life insurance policy that is perfect for you.
- Replacing the income (after the death of a wage earner) that a family will need to survive
- Paying off loans (including mortgages, personal or business debts)
- The creation of a fund for the education of children in the family
- Coverage of final expenses, such as funeral costs/taxes
- The creation of an emergency fund which can serve to support family members in times of crisis
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Florida law does not require motorcycle insurance, but you may want to consider the following coverages to protect yourself:
- Bodily injury liability: If you’re in an accident and injure another individual, bodily injury liability will pay a certain amount per person/ incident for damages.
- Personal property liability: If you damage the property of another person in an accident with your vehicle, your personal property liability covers the damages.
These are not the only types of coverage you should consider, however:
- First, you may want to protect your own interests in the bike by having collision and comprehensive coverage. With these coverages you are protected against certain instances of theft and vandalism as well as damage to your bike after a collision with a moving or stationary object.
- If you have any upgraded or custom parts, it’s a good idea to invest in custom parts and equipment coverage.
- To protect yourself from financial damages after an incident with an at-fault uninsured or underinsured motorist, there is uninsured motorist cover.
- Medical payments coverage pays for the medical expenses you accrue after an accident, no matter who was at fault. This benefit would only cover that portion of expenses not covered by other medical insurance.
Just as with any insurance policy, your motorcycle insurance coverage will have deductibles and limits for each coverage option you choose. When picking a deductible, remember that in a motorcycle insurance policy, the deductible is per-incident rather than per-year.
Contact us today to discuss your coverage options.
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If you rent an apartment or house, then you need insurance to protect your belongings. While your landlord might have insurance, it only protects the building. Your belongings are not covered under those policies.
With renters insurance, you will be able to replace what is damaged or stolen.
Renters insurance covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, andwater damage from plumbing.However, renters insurance does not cover floods or routine wear and tear. You can, however, buy aseparate policy for flood damage.
If you are forced out of your home because of a disaster, your additional living expenses will be covered.
Renters insurance pays the reasonable additional costs of temporarily living away from your home if you can't live in it due to a fire,severe storm or other insured disaster. It covers hotel bills, temporary rentals, restaurant meals and other living expenses incurredwhile your home is being rebuilt. Coverage for additional living expenses differs from company to company.
Renters insurance also covers your responsibility to other people injured at your home or elsewhere by you, a family member or yourpet and pays legal defense costs if you are taken to court.
Decide how much insurance you need.
Add up the cost of everything you would want to replace if it were damaged or stolen. This could also serve as the basis for aninventory that will make filing a claim easier. For an inventory, also record model numbers, dates and places of purchase. Take photographs or make a video of these items and place a copy of the inventory in safe place away form your home.
Contact us today to discuss your coverage options.
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Accidents, moments of negligence, or even frivolous lawsuits happen every day. If you have assets that you have worked hard to build and protect, don’t lose them due to one mistake or even an out-of-the-blue lawsuit. Contact us to purchase an umbrella insurance policy and add a buffer between your assets and financial ruin.
Umbrella coverage works hand in hand with your home and auto insurance. For example, if you are in a car wreck and seriously injure or kill another person, you can easily exhaust the bodily injury limits of your auto policy. When that happens, your umbrella policy steps in and pays the additional amount you owe, up to the umbrella limit.
How often do you hear on the news about an injured car accident victim who received a million dollars in damages because the driver of another car accidentally crossed the double yellow or ran a red light? We all feel bad for the victim, but have you ever wondered who pays that million dollars? It’s the other driver. And what if that other driver—who had no malicious intent but who simply looked away for just a second—were you? And what about the small business owner who must close up shop after someone slips and falls in her store and she can’t afford to stay open while paying the awarded injury claim?
Put yourself in that hapless driver and business owner’s shoes. You’ve been ordered to pay a million dollars in damages. Your car or business insurance policy covers $300,000, then the courts go after your personal and business assets. Soon, you’re ruined—all because of a careless mistake. Fortunately, this doesn’t have to happen if you protect your liability with a personal umbrella insurance policy.
For a small additional premium each year you can purchase another million dollars of insurance coverage as a buffer between you, the courts, and financial ruin. Umbrella insurance policies offer protection against a wide range of insurable events, like:
- Injury on your property
- Awards for accusations of slander
- Liabilities arising from employee errors
Unfortunately, even if you are sued and a large judgment does not result, you may be liable for legal fees and court costs that eat into your assets. An umbrella insurance policy can prevent that from happening.
Before getting an umbrella insurance policy, be sure to check your limits and deductibles on your current policies. Your insurer will likely declare you responsible for bridging any gaps between policy limits and umbrella policy amounts so make sure you have sufficient insurance and resources.
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Watercraft & Boat Insurance
Boat owners know the freedom that floating in a boat in a body of water offers. Whether you float in an inland lake or the wide open ocean, it feels as though your choices, future and possibilities are endless. This freedom does not mean, however, that you can go without boat insurance. You have an obligation to your family and to other boaters to carry insurance that protects you and them from financial liabilities. When you decide to buy boat insurance, there are a few coverage options and policy distinctions you should consider.
The first thing you need to consider are your coverage options. Not every boat insurance policy must be created the same way or carry the same coverages. Some things to consider include:
- The navigational area you need your insurance to cover.
- Whether or not to get fuel spill coverage for accidental spills your vessel might cause. If your vessel sinks or spills oil you are responsible for the cleanup costs whether you have coverage or not.
- Whether personal effects coverage (for all the personal items on board) will be useful to you.
- If unattached equipment coverage for things like anchors, water skis and other unattached tools and recreational toys will be useful for your boating style.
Value of the Vessel
Next you need to determine what you want covered in terms of value. There are two choices here, agreed value—which is the value you agree to in the insurance policy, or actual value which is the actual value of your boat and may not be enough to replace it if there has been some wear and tear.
Keeping Your Boat Insurance Policy Affordable
Lastly, you should consider ways in which you can lower the cost of your boat insurance. If you’ve had any training in official boat safety programs and received certificates for the training, this can be very useful in reducing your boat insurance premiums. Likewise, boat safety checks from the coast guard can help reduce costs. Installing safety devices like a GPS and choosing a proper marina for boat docking are other actions you can take to reduce premiums.
Your boat insurance policy ensures that you and your family will remain financially secure even after an expensive claim. It will also help to keep you on the water after a natural disaster or other insurable incident. Allow us to find the right policy for you so you can enjoy your time boating.
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After the recent catastrophic hurricane and superstorm seasons and with many people still trying to put their homes and lives back together, is your home covered for hurricane or other windstorm damage so you won’t be the next victim?
Floridians know how devastating and costly a storm can be. Don’t let an unexpected storm cost you. Contact us today about your coverage options.
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