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!

 

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!

 

Your Just In Case Insurance

Wouldn’t it be nice if we could be prepared for the unexpected? Wouldn’t it be great to have a defense against the unknown and unforeseen? Well, that is the idea of umbrella insurance because we can’t predict the future but we can be prepared for it. No matter what that means.

Your Just In Case Insurance

The best thing about an umbrella insurance policy is that it really can protect us from what we don’t see coming. Somebody can always mock us for getting a safety net until that accident shakes our world. Until we get that notice that we are being sued for loss of wages from the other driver. Then, we aren’t the ones being mocked, and we become those people who were smart enough to use foresight and prepare for what we couldn’t see. B & G Insurance is here to offer that safety net, just in case, for our customers and friends in Miami, FL.

An Added Layer of Protection

Umbrella insurance is that extra layer of protection for your vehicle or home. Although it won’t cover your injuries or protect your property, umbrella insurance is designed to protect you from claims of liability made by other injured parties beyond your standard coverage plan and limits. At B & G Insurance, we know that accidents aren’t predictable and that the aftermath can be even harder to predict. That is why those in and around Miami, FL reach out to us because the unknown is unpredictable.

If you want to learn more about umbrella insurance or if it is something you should consider, contact us to talk to one of our professional and experienced agents today. Why umbrella insurance? Because you never know when it is going to rain.

Do I Need Flood Insurance If I Don’t Live In A Flood Zone?

If a flood damages your Miami, FL home, will your homeowners’ insurance cover the damage?

That depends on a variety of factors, including the amount of water damage, the value of your home, and whether you have a flood insurance policy in place.

If you don’t live in a determined flood zone, your mortgage company may not require you to have flood insurance coverage. But, that doesn’t mean you aren’t at risk for flood damage. According to the Property Casualty Insurers Association of America, one in four flood claims are not located in a flood area. So while you may not be required to carry flood insurance, it might be smart to do so – according to the flood insurance program, the average flood insurance claim tops out at about $39,000. If you have questions about whether you should carry flood insurance, talk to your B & G Insurance representative.

Flood Insurance Myths 

Your standard homeowners’ insurance does not cover flooding risks. In order to protect your home, you will need a policy the National Flood Insurance Program offers. Here are some of the most common flood insurance myths: 

  • You have to live in a flood plain to get a policy. This is not true. But, your mortgage company may require that you carry flood coverage if you do live in a flood plain. You can still buy flood insurance, even if your Miami, FL home is not in a flood zone.  
  • My Homeowners’ insurance covers flood risks. The typical homeowners’ insurance policy doesn’t cover floods or earthquakes. You will need a special policy for both. Also, flood insurance generally won’t cover your living expenses if you need to relocate while flood damage is being repaired.  
  • Just because you weren’t previously in a flood zone doesn’t mean you aren’t now. Flood zones typically change and evolve. Your home may not have been in a flood zone when you bought it, but it is now.

To find out more about how flood zone insurance can protect your home and property, contact the experts at B & G Insurance today. 
 

Do You Need Condo Insurance For A Vacation Rental?

If you own a condo and you are planning on renting it out to people who are on vacation, you may wonder if you need condo insurance or if the condo’s property insurance will be enough coverage. It is important to protect your investment adequately, and rentals are subject to damage and other issues when they are rented out.

Finding The Right Insurance Policy For Your Condo

If you own a condo but don’t live there full time, then you should have a solid condo insurance policy. Although condo buildings will usually have insurance, they don’t cover the damage to your property. If you have condo insurance, you are protecting your assets in the event of an accident or theft. Condo insurance is also a great idea if you are planning on living in your condo. You never know when something unexpected will occur, and you don’t want to pay out of pocket for repairs or replacing your appliances and other valuables. 

Finding A Good Insurance Company

Finding the right insurance company to provide coverage is almost as important as finding the right type of coverage. If you live in or around the Miami, FL area, you should consult with B & G Insurance so you can get the proper amount of condo insurance to protect you when renting to vacationers. We have experienced professionals who know all of the nuances of condo insurance and can help you find the right coverage for your situation.

Don’t leave your property unprotected. Find the right condo insurance from the knowledgeable insurance professionals at B & G Insurance serving the resident of Miami, FL. Call or stop by the office to find out more and to get answers to your questions. 

3 Ways to Keep Auto Insurance Costs Low with a New Teen Driver

You and your teen have waited for years for this milestone, and the day has arrived that they can obtain their official driver’s license. As exciting as this milestone may be, it can also bring about one big concern: a spike in your auto insurance because teen drivers can be risky to cover. Thankfully, there are a few things you can do to keep the costs of your auto insurance from B & G Insurance in Miami, FL as low as possible in spite of having a teen driver listed on your policy.

Take Advantage of Multi-Car Discounts

If you will be buying your new driver a vehicle of their own, make sure you look at multi-car discounts that may be available for doing so. Likewise, you may be able to bundle other forms of insurance to save money on your overall policy. For example, if you have renter’s insurance through a different carrier, it can be worth changing companies to reap a discount and help with savings. 

Look for Good Student Discounts 

Good students may be eligible for auto insurance discounts through some insurance companies if they have the good grades to prove they are a responsible student. When you work with a B & G insurance agent to obtain a quote for auto insurance in Miami, FL, they will be able to tell you if these discounts could be a possibility. 

Pay Your Policy Term In Advance 

It is always cheaper if you can pay for your full term of auto insurance in advance. Even though it is more money all at once, you can usually get a substantial amount of savings by paying for a full six-month policy in advance. 

For more information about auto insurance in Miami, FL, reach out to B & G Insurance for professional guidance. 

Managing Commercial Insurance Across International Businesses

At B & G Insurance, we have worked with many international businesses in Miami, FL, and the surrounding area. Each of these companies works with multiple satellite offices around the world and has unique commercial insurance needs. If this sounds like you, it is essential to understand how your commercial insurance demands change depending on your business reach.

International Law Can Complicate Your Insurance Needs

Operating in multiple countries, especially overseas, can complicate your insurance needs in multiple ways. First of all, many insurance laws in different countries vary wildly from American laws. For example, some may demand higher coverage than is typical in America.

If your business operates in these countries, you need to make sure that your policies meet their legal needs. Trying to navigate these waters with multiple policies can be a major pain. Thankfully, it can be avoided if you invest in international commercial insurance for your needs.

Thankfully, International Commercial Insurance Can Help

International commercial insurance works by providing coverage that meets the needs of every country in which you operate. For example, it will carefully balance the demands of each country’s laws in a way that makes sense and which ensures that you aren’t breaking any legal precedence.

Just as importantly, this type of insurance will cover issues that occur on your many operational sites. For example, if an employee in a European country gets injured, your liability coverage will pay for their treatment and ensure that you don’t suffer from a lawsuit.

So if you operate an international business or plan on expanding, you need to contact us at B & G Insurance to learn more about international commercial insurance. We have helped hundreds of Miami, FL area businesses get the coverage that they need to avoid serious problems.