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Coastal Premier Insurance Group, Inc.

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

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Will Home Insurance Help When Someone Is Injured on My Property?

It’s a sad reality that accidents happen, even on your own Boca Raton, FL property. Will your home insurance policy cover the medical expenses if someone is injured on your property? It may, depending on the situation. Here’s what you need to know about home insurance and medical coverage from Coastal Premier Insurance Group.

What is personal liability insurance?

Personal liability insurance is insurance that protects an individual from being held liable for damages arising from accidents or injuries that they cause. This type of insurance can help save a person’s assets, such as their home or savings, from being seized if they are sued and found liable for damages. It can also help cover legal defense costs if a person is sued.

Will my home insurance cover me when someone is hurt on my property?

If someone is injured on your property, your home insurance policy may help cover their medical expenses and any property damage resulting from the accident. Most home insurance policies include personal liability coverage, which can help protect you financially if you’re sued for damages after someone is injured on your property.

Is personal liability insurance required for homeowners?

Personal liability insurance is not required for homeowners, but it is recommended. Also, if you have a mortgage, the lender may require you to purchase home insurance as part of your loan agreement.

Coastal Premier Insurance Group, based in Boca Raton, FL, offers homeowners insurance policies that protect your home, belongings, and family. We offer various coverage options to meet your needs, and our experienced team is here to help you choose the right policy for your situation. Please contact us today to learn more about our home insurance options.

Does Florida Home Insurance Cover Hurricanes?

Due to its tropical location, Florida is prone to hurricanes during the summer and fall. Some of these could be so severe that they cause excessive damage to your home. So, is your Boca Raton residence covered for hurricanes?

Hurricane Coverage

The Coastal Premier Insurance Group states that your standard home insurance policy covers hurricane-related damage. Also, while some states ask homeowners to purchase a separate windstorm policy, Florida incorporates this liability into the hurricane coverage. 

No matter if you live in Boca Raton, FL, or somewhere in the state’s center, hurricane coverage is mandatory. Financers won’t approve your mortgage unless you add the minimum liability to your home insurance. 

What is Covered

Hurricane insurance covers reimbursement for damage to your property, structures like tool sheds, and personal property like furniture, electronics, and jewelry. Additionally, it pays for living expenses if you temporarily move to another location while repairs commence on your home.

Weather-wise, hurricane insurance handles issues directly related to its landfall. These include damage due to gusty winds, rain, hail, lightning, and tornadoes.

What Isn’t Covered

Unfortunately, hurricane insurance doesn’t cover a common condition that causes significant property damage: flooding. The condition results from coastal storm surges and when tributaries overflow their banks. The best way to prepare for these conditions is with a separate flood insurance policy. Again, mortgage companies won’t approve a sale if you don’t purchase this protection for a home in a flood-prone area.

There are several factors to sort out regarding Florida home insurance, especially when you come from an area not used to hurricanes. If you need help sorting it out, contact a Coastal Premier Insurance Group representative for more details. 

When Is It Time To Change Your Home Insurance

Your home is likely one of your most valuable possessions. It’s thus important to make sure you have the right home insurance in case something happens to it. But when is it time to change your policy? Coastal Premier Insurance Group in Boca Raton, FL offers you this guide on a few signs that it might be time for a change. 

When Is It Time To Change Your Home Insurance

1. If You’ve Made Significant Improvements or Additions to Your Home

If you’ve recently added a new room, installed a pool, or made other major changes to your home, you may need to update your policy. This is because such changes can increase the value of your home, therefore, the amount of coverage you need. If you don’t update your policy, you could end up being underinsured and having to pay out of pocket if something happens to your home.

2. If Your Policy Coverage Lapses or Is Cancelled

When your home insurance policy lapses or is canceled, you may need to find a new policy. If you miss a payment or your insurer decides to non-renew your policy, this can happen. Non-renewal can occur for various reasons, such as making too many claims or having a high risk of making a future claim.

3. When You Purchase Big-Ticket Items

Your home insurance policy may not provide enough coverage to protect your expensive belongings, such as jewelry or high-end electronics. So, if you purchase big-ticket items, it’s good to work with an agent to find a new policy that can offer better protection for those items.

4. When You Add a Security System

Having a security system can reduce your risk of burglary or vandalism, so it may be worth looking into upgrading your home insurance coverage to reflect this. Many insurers offer discounts for homes with security systems, so this is definitely something you’ll want to consider when evaluating your policy options.

Coastal Premier Insurance Group in Boca Raton, FL can help you find the right home insurance policy for your needs. If you’re unsure whether it’s time to change your policy, our agents can review your coverage and make recommendations. Give us a call today to get started!

 

5 Common Home Insurance Exclusions

Buying a home is thrilling. But it does not come easy. You probably spent all your life savings owning it. That said, the best thing you can do is to protect it with home insurance in case of an unfortunate event. But before you purchase that policy, you must know what it entails. What does it cover? What are the exclusions?  

What many people don’t know is that your home insurance does not cover all the perils. And knowing about home insurance exclusions is essential, especially when filing a claim. Coastal Premier Insurance Group shares the standard exclusions of home insurance:

  • Earth movements: A standard home insurance does not cover earth movements like sinkholes, earthquakes, landslides, and mudslides. In most cases, you will need to purchase separate insurance to cover these earth movements.
  • Water damage: Water damage such as flood is not included in your home insurance. Other water damages excluded in your home insurance are sewer drains or systems and overflows from sump pimp. Luckily, you can consider endorsements or riders to cover your home against these risks that are more common than you think.
  • Mold and pest damage: Mold damage caused by home defects, floods, or leaks is also excluded from your home insurance. Similarly, damage by pests isn’t covered by your typical home insurance. The good news is that optimal maintenance for your home can keep mold and pests away from your premises.
  • Wind damage: A standard home insurance does not cover wind damage like hurricanes. If you are in a zone prone to hurricanes, make sure you purchase additional coverage.

Home insurance in Boca Raton, FL

Before purchasing home insurance, make sure you read through the policy to understand what’s covered and not covered to avoid disappointment during a claim. For all your home insurance needs, please make Coastal Premier Insurance Group your preferred insurance agent.

Is having a home insurance plan in Florida a good idea?

Those that are in the Boca Raton, FL area will find that owning a home can be a great long-term investment and housing option. When you want to own a property in this part of Florida, getting the right insurance protection will be very helpful. There are various advantages that come with home insurance that make getting it a good investment for anyone.

Coverage Protects Your Dwelling

A primary advantage received when obtaining a home insurance plan in Florida is that it can protect your dwelling. Those who choose to buy a home are going to find that they will make a very significant investment that they will want to have paid off well into the future. If you get home insurance protection, you can have the support needed to repair your property following a variety of situations that could otherwise result in a loss.

Coverage Mitigates Liability Risk

You should also obtain home insurance coverage to mitigate your liability risk. There are a lot of risks that can come with owning a home, including the risk that someone can be injured while on your property. As you could be held responsible for damages in these situations, getting the proper insurance is a good idea. Having this necessary insurance support in place will give any protection needed to mitigate this risk. 

As you are looking to get a new home insurance plan in the Boca Raton, FL area, it would be wise to call the Coastal Premier Insurance Group. If you choose to call the Coastal Premier Insurance Group, you can learn a lot about the different options at your disposal. This can help give you any support that is needed to build an insurance plan that will properly protect you and your home. 

Finding Home Insurance in Boca Raton, FL

If you live in the Boca Raton, FL area, your friends at Coastal Premier Insurance Group want to remind you that there’s no time like the present to get home insurance. As we’ve all learned from the past, you never know when a flood from a hurricane, wind damage, tornadoes, hail, or even sink holes can do their number on your home, when you least expect it.

By planning ahead, you can protect your family from these types of events long before they happen. Simply taking the time now to assess your property, find out the real value of your home, then visit with the professionals at Coastal Premier Insurance Group to insure your home’s value.

"Hindsight is 20/20" it is often said. And it’s too late to fix it if you wait too long to insure your home, your most precious investment.

Is Boca Raton, FL on a Flood Plain?

This question always comes up when people are considering whether or not they should carry flood insurance. But if you are in a coastal town, believe me, you’re in a flood plain, even if your town is not officially registered as such.

About Boca Raton

Situated in Florida’s southeastern coast, Boca Raton is an oceanfront area featuring tourist attractions such as Red Reef Park and the Museum of Art, as well as a sculpture garden, and the famous Gumbo Limbo Nature Center.

When hurricanes, floods, and unexpected weather hits, it’s important to know that your home is protected. Finding the right home insurance can be confusing. But at Coastal Premier Insurance Group, we make it easier. 

Give us a call today and sleep better when you hear "tropical storm warning" on your radio tomorrow!

Why Florida Homeowners Should Add Liability Coverage To Their Home Insurance Policies

Based in Boca Raton, FL, Coastal Premier Insurance Group helps serve the community by offering residents multiple types of insurance coverage. We want to help our clients find policies to protect their assets well into the future. We work closely with over 20 insurance carriers around the country.

Why Florida Homeowners Should Add Liability Coverage

Your home is one of your most valuable possessions. That’s why it is important that you protect it. Home insurance covers your property if it suffers damage. The personal items inside of your home are also protected in the event of an accident or if you are a victim of theft. Home insurance provides you with a layer of security as you go through the rights and responsibilities as a homeowner. One of the most important parts of your home insurance policy is liability coverage.

Liability coverage is an asset because accidents can happen at any time. You’ll be covered if someone gets injured while they are visiting your Boca Raton FL residence. While you may think that the coverage only considers your guests, you may be held liable if the person who delivers your mail is injured on your property. However, liability coverage will give you peace of mind.

If you have a pet, liability coverage is an asset. You will be protected if your pet injures someone or causes damage to someone else’s property. If you are working on a landscaping project and someone accidentally gets hurt, liability coverage will protect you.

If you add special amenities to your home, such as a Jacuzzi or a trampoline, liability coverage is important. If an accident were to occur while someone was using these structures, they could get seriously injured, if not worse. Liability coverage could potentially prevent you from suffering huge losses and being involved in an ugly liability dispute.

Coastal Premier Insurance Group Will Help You Protect Your Asset

Visit our website to learn more information about home insurance.

3 Questions to Ask When Shopping for Home Insurance

Your home is probably one of the most important investments you will ever make. Not only is this an important financial investment, but it is also important on a very personal level. Your house is where your family comes together to make memories. This is one of the most important reasons why you should choose your home insurance carefully. At Coastal Premier Insurance Group, serving Boca Raton, FL, we understand how very important this is investment is. Keep reading to find out 3 questions you should ask when shopping for home insurance. 

How Can I Make Sure My Belongings Are Properly Covered?

Your home insurance policy will cover an estimated amount for your personal belongings. If these belongings should be damaged or lost during a disaster, your insurance policy will kick in. However, in order to make sure that the policy is sufficient to cover the cost of your belongings, it is very important that you do a thorough and accurate evaluation of your belongings. This will vary from family to family. Each family has their own standard of living. This standard of living will greatly influence the amount of coverage needed to cover your belongings. In order to create an accurate estimate, it can be helpful to sit down with an insurance representative. 

Is Flood Insurance Covered

Many homeowners make the mistake of assuming flood insurance is covered in their policy. In many cases, flood insurance is an added type of coverage. Flood insurance amounts must be calculated very specifically for your region and even your location within that region. Be sure to talk to an insurance representative about this type of coverage. 

What Does Personal Liability Cover?

This is an important question to ask because personal liability can differ from policy to policy. You want to make sure that your liability coverage is adequate for your lifestyle. 

If you would like to learn more please contact our office at Coastal Premier Insurance Group, serving Boca Raton, FL. 

Who needs to get home insurance in Boca Raton?

Those that are looking for a new place to move to should consider Boca Raton, FL. This area of Florida has great weather and plenty of recreational amenities, including access to the ocean and beaches. Due to this, it is also a great place to purchase a property. When you are going to purchase a home here, you need to make sure that you properly insure it. There are several situations when someone will need to have this insurance for their property.

When Living in a Condo Association

For those that are in the Boca Raton, FL area, it is very common to live in a community that is governed by an association. When you live in an association, the rules will usually require that you carry insurance on your home. This is often a requirement as it helps to ensure that you have the insurance to repair your property if it is damaged or to cover any liability claims if you cause damage to another property in the community.

When Taking out a Mortgage

Mortgage rates today are very attractive and most people that own a home will want to take one out to take advantage of the interest rates. If you do take out a mortgage, it is important that you comply with your mortgage loan agreement. Most of the time, these agreements will require that you carry a home insurance policy as it will protect your lender’s collateral.

If you are looking for a home insurance policy in this area, you should speak with the Coastal Premier Insurance Group. The team at the Coastal Premier Insurance Group can help you to pick a policy that offers you the right type and level of protection. This can help to protect your prized asset. 

What New Homeowner’s Need To Know About Homeowner’s Insurance

Buying your first home can be an exciting time in life. There are many things to plan and think of. While you are busy with the details of your new home, don’t forget the importance of homeowner’s insurance. At Coastal Premier Insurance Group serving Boca Raton, FL it is our great pleasure to educate our clients on important insurance topics. Keep reading to learn what you need to know about homeowner’s insurance. 

Why Is Homeowner’s Insurance Important?

Homeowner’s insurance is put in place to protect the homeowner’s from the vulnerability caused by fire, damage, and burglaries to their home. Without homeowner’s insurance, any damage or loss to your home or property will be your own responsibility. This can put the average family in a very vulnerable position financially. Homeowners’ insurance is there to kick in to cover repairs and replacements in the event of damage and loss. 

What Is Covered By Homeowner’s Insurance?

Homeowner’s insurance covers a few different things. Policies can be customized to meet your particular needs as well. In general homeowner’s insurance will cover the following areas:

Damage or Loss of Home- If your home is damaged or completely lost due to fire or natural disaster the policy will cover the repair or replacement of your home and belongings. You should evaluate your coverage amounts closely to make sure they are adequate for your home and belongings. Loss due to burglaries is also covered under this. 

Liability- Liability coverage will cover any expenses you might be held liable for if someone is injured on your property. The expenses incurred because of an injury can get very expensive. These expenses can leave you financially vulnerable without insurance coverage. 

A Note On Flood Insurance

It is important to note that most homeowner’s insurance policies do not cover flood damage. This is usually an added policy. 

If you would like to learn more about homeowner’s insurance, please call Coastal Premier Insurance Group serving Boca Raton, FL, and surrounding areas.