What Is Renter’s Insurance and How Does It Work?

Renters insurance is usually not required by law, but your landlord may request that you carry it. Even if he or she does not require it, you should still consider it. For those in the Miami, FL area, B & G Insurance wants to help you understand renters’ insurance so that you can make the best decision for your life.

It is essential to understand the difference in your landlord’s property insurance and renters’ insurance. Your landlord should carry insurance on the property you are renting itself. This usually covers damages to the property that is not your fault, such as fire due to faulty wiring or storm damage. That insurance should cover that damage and may include the costs of your stay elsewhere in case the property is uninhabitable for a time. Also, if someone is injured due to an issue with the home that is the landlord’s responsibility, the landlord will likely be deemed liable. However, their coverage will probably stop there.

In the case of a fire or storm, the landlord’s insurance will often not cover your lost possessions. If the fire is started due to something you have done or not done, the landlord will not be liable. Also, if a visitor is injured in your home and it is deemed your fault, you will be responsible. 

These are some of the main times that renters insurance would come in handy. It protects you and your possessions regardless of the landlord’s insurance coverage. It can also help provide you with other accommodations if your landlord’s insurance does not.

If you are interested in renters insurance and you are in the Miami, FL area, stop by or give B & G Insurance a call!

 

Home Insurance: Getting Your Home Ready For Winter

You need to make sure that you do everything that you can to prepare your home for winter in Miami, FL. This includes not only prepping your home physically but also protecting it with home insurance. Insurance agents at B & G Insurance are here to assist you every step of the way.

Winterize Your Home

When you’re in Florida, there’s no need to worry about pipes freezing or ice building on your roof. However, you should still prep for some colder weather. Be sure that your AC has been inspected recently so that it can be switched over to heat without cause for concern. Further, it can be beneficial to have tarps or large blankets around to cover landscaping when there’s a frost warning in place.

Protect Your Home

You should also have a look at your home insurance policy. Is it as sufficient as you need it to be? Particularly when you’re planning on having a holiday party, you want to look to see if you have enough liability coverage. This way, if someone gets injured at your home over the holidays, you have the coverage when you file a claim.

There are all sorts of ways for you to protect your home with a reliable home insurance policy. This includes looking at what is covered in your home in case you have made recent home additions. The good news is that there’s no reason for you to go through the process alone. You can get the help of a professional agent to answer questions and ensure you have sufficient protection.

Learn more about ways to keep your home protected by calling us at B & G Insurance. One of our agents can help you build a custom home insurance policy for you in Miami, FL.

Is it Time to Upgrade Your Auto Coverage?

Humans are creatures of habit, and once they do their research and make their initial decision about insurance coverage, they usually tend to just stick with what they know. Rolling over your policy year after year without review can lead to unwanted surprises down the road when your policy doesn’t keep pace with your current needs. Upgrading an auto policy may be necessary for you and your family if any significant changes have occurred in recent months or years. Residents in the greater Miami, FL area can rely on B & G Insurance to help them review their auto insurance options and determine which is right for their needs.

Is it Time to Upgrade Your Auto Policy?

If you have added new drivers or vehicles onto your policy, or it’s just been a while since you’ve taken a look at your auto insurance policy, it’s probably time for an upgrade. Increased coverage limits can help make the recovery from an accident less stressful. There are also many optional features that can help your life go more smoothly, such as rental car coverage and roadside assistance. We also recommend enhanced medical coverage as well as additional protection from under and uninsured drivers. If you want the peace of mind that comes with knowing you have a comprehensive auto insurance policy, it’s time to consider an upgrade. Florida auto insurance guidelines are the minimum requirement, and there are a lot of benefits that come with an upgraded, comprehensive policy.

Auto insurance isn’t one-size-fits-all and it may be time for you to upgrade your current policy. If you’ve had the same insurance for a while, contact B & G Insurance today to find out the auto insurance options available in the greater Miami, FL area.

3 Tips for Buying Commercial Insurance in Florida

Do you own a business in Miami, FL or around the state?

If so, you need commercial insurance. Why? To protect your business, inventory, reputation, employees, vehicles, and more. Whether you’re looking for a new policy or upgrading an existing one, the team at B & G Insurance has put together three quick tips for finding the right commercial policy at the right price.

1. Compare Several Insurance Quotes

Working with an insurance agent, compare several quotes before making a decision. You’ll need to go over the fine detail to compare coverage vs. cost. Take your time, come up with a list of questions, and then address these concerns with your insurance agent. 

2. Bundle Your Insurance Policies with one Company

Next, bundle your commercial policy with all your other insurance policies, including auto, home, life, umbrella, boat, and more to save money on your premiums. This is an easy way to save money on your commercial insurance policy. 

3. Work with a Reputable Insurance Agent

To find the right commercial insurance policy for your particular business, work with a reputable agent. They will know which policies cover what you’re looking for. Whether you own a hair salon, a retail store, or a landscaping company, a trusted agent will save you time by quickly locating several policies for you to compare.

To learn more about purchasing commercial insurance, contact the team at B & G Insurance in Miami, FL. We can be reached by phone or send us an email to schedule an appointment. Commercial insurance is a must to protect your livelihood from theft, damage, fire, and other unforeseen events. 

Maintenance Tips for Your House This Summer

You need to perform certain tasks before the cold seasons and also before the hot seasons. These chores help keep your home safe and the people who visit it safe. At B & G Insurance, serving Miami, FL and the surrounding area, we can provide you with advice that can prevent a lawsuit, while it can also keep you and your family safe and comfortable.

Air Conditioner

You want your air conditioner functioning before the hot months begin, so you stay content indoors. However, maintaining your air conditioner may optimize the function of your cooling system, too. Additionally, servicing your unit has the possibility to prevent a fire.

Check Your Attic

Although it’s hot in the attic, you should check your attic for any dampness. You also want to check for mildew and leaks. It’s important to evaluate your attic for holes and pests as well. 

Examine Your Deck

Take a look at your deck before you start entertaining company during the warmer months. You want to evaluate each board for rotting. While you’re doing this, you should also check for any loose ones and hammer them in. This is an ideal time to reseal your deck to protect it against water. You may want to perform a water test, which is when you pour a small amount of water on your deck. Notice the results. If the water forms beads, your sealant is still intact. However, if it soaks into the wood, you need to apply it again. 

Update Your Homeowners Insurance 

Before the summer months, you need to update your homeowner’s policy. Make sure you have enough coverage and that it covers pools if you have one. 

Discover more about homeowner’s insurance policies and how to maintain your home for optimum safety by visiting B & G Insurance, serving Miami, FL, and the nearby region, by visiting our website. 

 

Do I Need Fleet Insurance if I Have More Than One Truck?

Being properly insured is part of doing good business. It not only protects you and your investment, it protects others as well. When you have more than one vehicle, you may qualify for fleet insurance. Fleet insurance offers many of the same benefits as a multi-car policy for homeowners except this type of policy is designed for commercial policies. At B & G Insurance, the agents work with Miami, FL based businesses to ensure they have the right type of coverage to fully protect their business.

Multiple Vehicles

Having multiple vehicles can actually make you eligible for specific discounts. While the discounts may vary from policy to policy,  fleet insurance policies are written to help business owners maintain their bottom line without losing control of their budget. The goal is to provide the best coverage possible for a price that is affordable.

Safe Drivers

One of the most important factors when determining any type of insurance quote or premium is knowing the safety record of the drivers. Hiring drivers with a clean driving record is essential if you want to keep your insurance costs as low as possible. You can obtain a driver’s  DMV record by contacting the agency and requesting a copy. It’s important to keep an up-to-date record in their employee file.

Business owners in Miami, FL can always get the answers they need by contacting the agents of B & G Insurance. Whether you need to insure one vehicle or 100, they will have the answers you need to make an informed decision. Guessing when it comes to fleet insurance can be a dangerous game. Don’t risk your business, call and talk to an agent today!

Here is why you need renter’s insurance

Renter’s insurance, also known as an HO-4 homeowner’s policy, is not required if you rent an apartment in Miami, FL. You may, however, find yourself out of luck if something happens in your unit while you are depending on the landlord’s insurance to cover your loss.

A landlord’s assurance plan is designed to protect him when tragedy strikes. The policy does not cover damages to your property. At B & G Insurance, one of our agents can explain the details about renter’s insurance and help you better understand why you need a policy in Miami, FL. Read on to learn more about what renter’s assurance may cover.

Theft is covered by a good renter’s insurance plan

A thief comes and steals your most prized possessions in the middle of the night. You can be sure that the landlord will tell you that your loss is not his issue. A renter’s insurance plan can provide compensation for the items that were stolen so that you can begin to get your life back on track.

Renter’s insurance pays for property damage and bodily injury

You are responsible for broken windows and other damages to the unit that you rent. A renter’s assurance policy works to ensure that you meet your financial obligations by covering property damage. A good policy may also pay for bodily injury in the instance of one of your guest getting hurt at a gathering held in your unit.

Renter’s insurance offers versatility

Some plans let you transfer coverage when you move out of one unit and into another. Renter’s insurance can also be tailored to fit your needs. You can get as much, or as little, assurance as you desire.

An agent at B & G Insurance can help you find the renter’s assurance plan that works best for your situation. Give us a call today to get started with a quote!

Tips About How to Avoid Common RV Problems

The good folks at B & G Insurance serving the Miami, FL Metro know that RV insurance is best if you never have to use it. RV owners typically have accidents that involve hitting low overhangs, fires, tire failures, and forgetting to retract items connected to the RV.

Here are some tips about what can be done to reduce these common risks that most RV owners face.

Hitting Low Overhangs

This is a common RV accident, especially for those new to RV driving. RVs sit high up and therefore may not be able to go under as many things as another type of vehicle. It is important for RV owners to know their clearance height and not cut things too close.

A tricky problem is hitting the overhang at a gas station when the height is not marked on it. It takes a bit of practice to be able to visually see what may be too low to drive under. If it can be done safely, stop before going under something that seems too low. Have a co-pilot get outside to visually check if the RV will be able to go under the overhang.

Fires

Fires are bad in the contained space of an RV. A grease fire while cooking can easily get out of control. Fires may start from shorts in the electrical wiring, leaks of propane from the tanks, appliance failures, and problems arising in the engine while driving.

The way to reduce these risks is to always conduct a thorough safety check before going on a trip. Use a propane-sensing alarm to warn about gas leaks. Always have a fully recharged fire extinguisher nearby.

Tire Failures

RV tires are different from those used for automobiles. They are designed to be inflated to carry a certain weight load. One of the most common causes of tire failures is when they are under-inflated.

The way to avoid this risk is to know how much weight the tires are carrying. Take your fully-loaded RV, with all the passengers in it, to a truck weighing station. This will give you the total carrying weight for your RV. Then, follow the tire manufacturer’s guidelines for inflation pressure.

Frequently check tire pressure while on the road. Besides losing air, tire pressure may go up or down depending on the changes in the outside temperature.

Forgetting to Retract Items

It is very easy to forget to put the steps up, pull in an awning, or lower an antenna. People may drive off with the utilities still attached or a gasoline hose still connected. The only way to make sure to avoid these errors is to have a checklist that the RV driver runs through and the co-pilot double checks for a safe condition before driving off.

RV Insurance Review

If you need a quote for RV insurance contact your agent at B & G Insurance in Miami, FL or using the convenient online form. Each year, or more frequently if substantial things change, like where an RV is parked, it is important to get an insurance review to make sure your RV insurance coverage is adequate

What Happens to My Motorcycle Insurance if I Get a Speeding Ticket?

Owning and operating a motorcycle requires that you follow the laws of the highway just like any other vehicle. Even when you pay attention to the road, there are times when getting caught up in the wind therapy can cause you to go faster than you should. If you happen to get a speeding ticket, you may want to talk to your insurance agent to find out how it will affect your policy. If you live in Miami, FL, you can call the agents of B & G Insurance to get the answers to all of your questions. 

Multiple Tickets Can Raise Your Rates

One ticket is normally not a big deal as long as you were only going a few miles over the speed limit. On the other hand, multiple tickets or speeding that involves going more than 10 miles an hour over the posted speed limit can have a dramatic effect on your policy. Safe driving is key and acting in a reckless manner will not only affect your insurance but may also cost you your driver’s license. 

Take A Defensive Driving Class

If you have received a speeding ticket while on your motorcycle, you may be asked to take a defensive driving class. This shows the insurance company that you are committed to being a safe driver and that speeding is not something you are likely to do in the future.

At B & G Insurance, agents are always willing to talk to motorcycle owners who live in the Miami, FL area. They can discuss their options when it comes to maintaining their motorcycle insurance as well as ways to help them become a better driver. Call and schedule an appointment today!

Do I need liability insurance for my boat?

At B & G Insurance, our agents understand that many people may not realize the extent of their liability when it comes to their boats and other types of watercraft. Residents who live in the Miami, FL area and spend time boating need to understand what they will be responsible for if an accident occurs.

You’re Responsible

If you are boating and an accident occurs, you may be held responsible for both property damage or injuries if any are sustained by passengers in your boat or someone else’s boat. Just like in an auto accident, if you are at fault in any way, you will be liable for any damages or injuries incurred by others who are impacted by the accident.

Financial Loss

If you are involved in any type of boating accident where damage or injuries are caused, you could face devastating financial loss if you do not have the right type of insurance in place. Most states now require watercraft insurance if you plan on registering your boat or jet ski. The liability you incur could result in personal injury lawsuits if you do not have any type of liability insurance in place at the time of the accident.

In Miami, FL, the agents at B & G Insurance are ready to assist you if you have questions concerning boat liability or other types of watercraft coverage. The agents can review any existing policy you have in place and can help you get the coverage you need to remain financially secure at all times. Call and schedule your appointment with one of our agents at your earliest convenience!