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Coastal Premier Insurance Group, Inc.

902 Clint Moore Rd. Suite 132
Boca Raton, FL 33487

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Renovating your kitchen? Don’t forget to update your insurance

The kitchen is often called the heart of the home, and in addition to the emotional comfort that it provides to your family, it is also an important part of your home’s resale value. If you are considering a kitchen renovation or update, be sure to confirm that you have the right insurance coverage in place before you begin. The team at Coastal Premier Insurance Group provides residents in the greater Boca Raton, FL area with the guidance they need to make the right choices when it comes to their home insurance policies.

Check your homeowner’s policy before you start that kitchen reno

Kitchen renovations are a great way to enhance the enjoyment you derive from your home while making sure that your value keeps pace with the market. Before you start your kitchen renovation, or any big home improvement project, make sure that your current policy provides the coverage you need.

Protection from injury to your contractor or any damage that they may cause are two of the main reasons why people double-check their policies before they start any major project. There are a lot of mishaps that can occur during any big project, and having the coverage in place before you get started is essential. You may find that your current policy provides adequate protection or you may opt for additional coverage. Whatever the outcome is, it’s important to make sure that everything is ready to go before your contracting team starts demo-ing one of the most important rooms in your family home.

Interested in learning more about the homeowner’s policy options available for your Boca Raton, FL residence? Contact the team at Coastal Premier Insurance Group today and set up an appointment to come in and learn more.

Does Commercial Insurance Cover Losses From

Commercial insurance is a must for any business owner that wants to be sure their property and business is fully protected. That being said, it does cover a huge range of things and knowing what your policy covers is a great way to know what your policy is all about. For those in the Boca Raton, FL area, the agents with Coastal Premier Insurance Group can help you find the perfect policy for your business.

Commercial policies cover the business, the building, and the contents as well. This means that your policy is going to cover your building and damages to your building as well. This means that if you have inventory or your building itself is damaged by a flood that is caused by burst pipes, you can use your commercial insurance policy to help cover those costs. Your commercial policy is going to help cover your inventory as well as your building and can help you to recover should your building and contents become damaged as a result of your pipes bursting and water getting into your building.

You can use your commercial policy to help cover the costs of recovering your inventory, of repairing your building and making sure it is in working order, and you can also use it to help with water removal costs. Your commercial policy is in place to help make sure that you are able to get back to work after your building is damaged and your inventory is damaged as well. For those that live in the Boca Raton, FL area, the agents with Coastal Premier Insurance Group can help you to get your business back in working order after you experience any loss or damage to your business, your inventory, and your building as well.   

When is an umbrella policy right for you

The simple answer is that if you have any assets, an umbrella policy is right for you.  Residents of Boca Raton, FL should try to picture a large umbrella, then picture the heavy rain that falls all too often in Florida. What an umbrella policy does is to protect you in the same way from some of the bad things that can happen to you. It is above and beyond any home, auto or commercial insurance that you already carry. The agents at the Coastal Premier Insurance Group have the information that you need to help you answer more fully this question.

An umbrella policy is not about replacing your home or car if they are damaged or destroyed. It doesn’t matter if you don’t have a large home or a fancy car. It is an additional liability policy that protects your current assets and your potential future assets in a legal action that might be filed against you. In the event that you are held liable or even if you are not held liable, the legal costs to you can be staggering. This type of policy covers not just you but other members of your family who live in your house. An umbrella policy will kick in when the limits of your home, commercial or car insurance have been met.

Things happen in life and protecting yourself and your assets can give you peace of mind that all your hard work will not be lost to legal action. Getting a policy that is perfect for you is important. Why not give our experienced staff at Coastal Premier Insurance Group in Boca Raton, FL a call or stop by our office and let us help you decide the amount of coverage that is right for you.

3 Tips to Lower Life Insurance Premiums

Life insurance. It’s complicated. It’s unpleasant to think about. It’s immensely important. Too many people in Boca Raton, FL, and across the country put off investing in life insurance for these reasons and more. To help you overcome the inertia and take a vital step to securing your family, Coastal Premier Insurance Group is going to help you focus on saving money. These tips can add up vastly over the years.

Check the Tiers

This is arguably the strangest thing in all of insurance. It makes sense to the mathematical geniuses writing the policies, but to the rest of us it’s a bit odd. Life insurance payouts are typically arranged in tiers. Common tiers sit around $500,000, $750,000 and $1,000,000. Sometimes, a $490,000 policy will actually cost more than a $500,000 alternative. It’s based on an intricate tier system, so see if that could potentially lower your bills.

Get New Quotes

Insurance is based on risk. When it comes to life insurance, your health is the biggest part of risk assessment. If you lose weight, quit smoking or overcome a documented health problem (like defeating cancer), you could stand to save big on your policy. But, your insurance company has to know about it. Looking for new quotes periodically can make this happen.

Get Help

Are you fluent in the differences among term, universal and whole life policies? Just these three terms can get tricky, and it’s only the beginning. Optimizing policies against your lifestyle, income, assets and needs is never easy. Then again, a 10-minute conversation with an agent at Coastal Premier Insurance Group can clarify most of those issues. They server residents of Boca Raton, FL. Give them a try.


Understanding My Home Insurance Policy? What Is Considered An “Act of God” In My Home State?

Everyone the world over can agree that  Boca Raton, FL has seen its share of water damage due to flooding. When it comes to your homeowner’s insurance policy it is important to understand exactly what an “act of God“ is. The reason that this is so important is that you see that term used quite often on a typical homeowners policy. Does an “act of God“ change from state to state?  Is an "act of God" for example different in New York state as opposed to Florida State? Coastal Premier Insurance Group Agents are well-versed in what constitutes an "act of God" in the state of Florida.

Quite literally whether you are in Boca Raton, FL  or anywhere in the world an act of God is defined as a natural disaster. Natural disasters include earthquakes, flash floods,  tornadoes, hurricanes. These events cause serious property damage and unfortunately many deaths. Note that typical flooding is not necessarily considered an “act of God“ Flooding is an area that gets extremely specific in terms of where you reside. If you reside on the coast as is most of the state of Florida it is likely that you will be able to find flood insurance through the National Flood Insurance Program or through private insurance providers like ours. In some other states, it is a little more difficult. Flooding is not always attributable to the weather.

Coastal Premier Insurance Group is located at 902 Clinton Moore Rd., #132, Boca Raton, FL 33487. You can stop into our office, in fact, we urge you to. Call us today to learn more about the many insurance products that we offer; Life insurance, auto insurance, commercial insurance, condo insurance, flood insurance, umbrella insurance, boat watercraft insurance, motor home insurance, and renters insurance.

I Have A Small Home Business. Do I Need Umbrella Insurance?

As a small home business owner, you may think that your homeowner’s insurance policy will cover business-related events that it doesn’t. Some won’t be covered because your homeowner’s policy covers you living in your home, not running a business out of it. Other claims might just be too big for your homeowner’s insurance. You probably don’t want to think about worst-case-scenarios and the risk to your business and assets in the face of a lawsuit, but the fact is, it could happen. And, when big losses occur, they can be absolutely devastating. That’s why excess liability coverage, also known as umbrella insurance, exists.  

Lawsuits Happen

It’s almost impossible to know when a liability claim from your product or service could arise or what people could blame your company for. Society has become sue-happy, often leading to big lawsuits that result in huge financial judgments. Even if your business did nothing wrong, your legal defense fees to prove yourself blameless can be astronomical.  All your assets and life savings – even your Boca Raton, FL home could be at risk if you are found liable and are ordered by the court to pay damages or a settlement. 

Umbrella Insurance Provides Extra Liability Protection 

Umbrella insurance is essentially extra coverage that protects your business from financially devastating lawsuits arising from liability and protects your company from gaps or limits in your existing insurance policies that could leave you open to a big loss. If you have questions about the gaps or limits in your existing insurance policies, ask the experts at Coastal Premier Insurance Group to review your policies. 

How Much Umbrella Coverage Does My Business Need? 

Every business is different. The amount of umbrella coverage your small home business needs will depend on your company’s assets and what’s at stake in the event of a big claim.  If you live in the Boca Raton, FL area, Coastal Premier Insurance Group can help tailor an umbrella insurance policy that will protect you, your business, and your assets. Give us a call today!

3 Benefits of Umbrella Insurance You May Not Know

Simply put, umbrella coverage is a type of coverage that provides liability protection on and beyond your property. For residents of Boca Raton, FL, the following is a closer look at 3 benefits of umbrella insurance you may not already know. 

Swimming Pools

Although having a swimming pool on your property is considered a luxury, it can also be a liability. Especially in the cases in which small children are living on the premises, swimming pools can be highly hazardous and could end up costing you thousands or even millions. However, by purchasing umbrella coverage you can ensure that you’re protected against any accident that may occur as a result of owning the pool. 

False Arrest

On another note, umbrella coverage can also protect you in the event that you are falsely arrested. Although many false arrest cases are dropped, this does nothing to repay you for damages such as missed days from work, reputations issues, and more. By purchasing an umbrella policy, you could have coverage in place to help you manage damages resulting from being falsely arrested. 

Shock and Mental Anguish

Lastly, if something occurs on the property that causes you or others mental anguish, this may also be covered. Mental anguish could cause missed work, the need for long-term therapy and more. By purchasing an umbrella policy, you could be covered for these things as well.

Overall, for residents of Boca Raton, FL, Coastal Premier Insurance Group is a great place to secure umbrella coverage. Call, email, or stop by Coastal Premier Insurance Group today to find out how you can start your umbrella insurance policy and hopefully save some money in the process.

An inventory of your belongings is as vital as your homeowners’ insurance

Taking an inventory of your belongings is as vital as the homeowners’ insurance policy you select. Falling victim to a tragedy is stressful. Creating an inventory can help reduce some of the stress as you begin the process of filing a claim in the wake of a disaster.

A detailed list of destroyed items will be required to accompany the application, and without a formal inventory, most people cannot name everything they own. There is no standard form to follow when creating an inventory. In short, this inventory is just a list of the belongings you are filing the claim to replace.

According to the experts at Coastal Premier Insurance Group in Boca Raton, FL, the key is to incorporate into the list the maximum amount of information and to document ownership. These details include the date of purchase, cost and serial numbers of specific items.

If you have them, add to the list the original receipts from the purchase. It is also wise to supplement the inventory with pictures and videos. Be sure to include items you may have stashed in forgotten places such as the attic, garage and basement. 

Once you create the list, it is crucial to keep it updated with new purchases. It is also vital to remove older items from the list that you no longer have. Last but not least, keep the inventory in a safe place. It will do you no good if you lose it during the disaster.

Creating the inventory has some ancillary benefits. It ensures you have the right coverage plan in place. The team at Coastal Premier Insurance Group in Boca Raton FL is ready to answer all your questions about insurance, including home and auto plans.

What Does Commercial Vehicle Insurance Cover?

If you are a business owner, you should carry commercial vehicle insurance on any vehicle that is designated for business use for both liability and property damages. When you drive a vehicle of your own or a company vehicle, your regular personal auto policy will not cover you.

What Does Commercial Vehicle Insurance pay For?

Your commercial vehicle policy from Coastal Premier Insurance Group has several types of coverage that are available and you can also add other options to it. Most commercial policies for a vehicle in Boca Raton, FL cover property damage liability in the case that you have an accident and cause harm to another person’s property. It also includes bodily injury to others and bodily injury that you cause to others outside of the state of Florida too. It will pay out to you if you, your employees or passengers have injuries including their medical expenses and lost wages. Collision coverage covers your vehicle no matter which driver is at fault. Comprehensive coverage is for any other damages other than a collision, such as hailstorms or a tree falling on your vehicle. Medical payments cover the cost of hospitalization and treatments due to an injury and you are also covered in the case of a mishap when loading or unloading a company vehicle. You can also have a rental car while the company car is being repaired and your towing and labor costs are covered.

Who is Required to Have Commercial Vehicle Insurance?

Depending on your exact type of business and what your company vehicles’ carry, you may be required to have commercial vehicle insurance. Some examples are if you carry equipment, transport hazardous or flammable materials and transporting housekeeping equipment for business use. You should also get this type of insurance in Boca Raton, FL if you use, carry or transport cranes, winches or a plow. You will be covered if you hire your vehicle out in order to tow other vehicles, such as a wrecker. If you deliver pizza or any other wholesale or retail products including newspapers you will need commercial insurance. Trucking and freight companies and limousines and taxi’s need commercial insurance.

 We at Coast Premier Insurance Group know that all of this information can be confusing and we are here to help you. You can call us or come by the office to get the information you need and make an educated decision on commercial insurance.





Will Home Insurance Cover Damages From House Guests?

Having a home means that you have to prepare for an array of potential situations that can cause damage or loss. Having the right type of insurance is the best defense against these threats. For example, you may have a house guest that accidentally causes damage to your home. You may be wondering if your home insurance is going to cover your loss?

Damages to Your Residence

If you have a good insurance policy, you should be covered in the event a house guest causes damage. You will be required to submit information to file a claim such as an incident report and photos of the damages. When you have a situation like this, you will need help from a knowledgeable insurance agent to walk you through the process so you can get the money necessary to repair the damage. Before selecting a policy, know how you will be protected from incidents like these and have your agent explain the claims process in detail.

Finding Coverage

If you are a homeowner, then you need good insurance coverage that is going to protect you from damages as a result of accidents or natural disasters. When shopping for insurance, make sure your provider can give you complete coverage without gaps that can create a financial hardship. Your agent can walk you through your options and discuss how you can obtain the right amount of coverage for your situation. If you live in or near the Boca Raton, FL area, Coastal Premier Insurance Group can work with you to help you get the right coverage. 

As a homeowner, you should be educated about your home insurance policy and the steps necessary to submit your claim. Work with a reputable insurance company such as Coastal Premier Insurance Group serving the residents in and around the Boca Raton, FL area.