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Coastal Premier Insurance Group, Inc.

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

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What value will come with having a full home insurance plan in Florida?

If you are living in the Boca Raton, FL area, you may find owning a home is a great idea. If you want to buy a home here, you must also get the right insurance. For property owners here, this will mean having a full home insurance plan. A proper insurance policy for your home here will come with various benefits and forms of value.  

Ensure Assets are Covered

One advantage of having a home insurance plan in place in Florida is that you will know your assets are covered. Your home is likely the largest asset you will ever own, and being able to repair or replace it when necessary is quite important. If there is a fire or other issue under your policy coverage, your insurance will provide support to make necessary repairs and replacements. 

Liability Support

You also should obtain a home insurance plan for liability support. If you are found liable for various types of accidents, it could be covered by your home insurance plan. This can prove to be quite helpful and will reduce any financial burden that can come with a liability claim. Because of this, you will want to be assured you have sufficient coverage to handle such claims. 

It would be best to have a full home insurance plan when buying a property in the Boca Raton, FL, area. When you are trying to find a new policy in the area, it would be a great idea to call our professionals with the Coastal Premier Insurance Group. Our team with Coastal Premier Insurance Group knows the value and importance of this coverage and will offer any guidance you need to build your next plan. 

Is it important to have a home insurance plan in Florida?

The Boca Raton, FL area can be a great place to live and visit. This can make it an excellent choice for anyone looking to purchase real estate, either as a permanent residence or as a vacation home and investment property. However, if you decide to invest in real estate in this area, it is essential that you obtain a comprehensive home insurance plan. Such coverage is crucial for several reasons.

Ensure Your Assets are Covered

Every homeowner in Boca Raton will want to have a home insurance plan to ensure their assets are fully covered. Acquiring real estate here, along with purchasing necessary personal items, often requires a significant investment. With a comprehensive home insurance plan, you will receive support to ensure your financial recovery if you suffer losses due to covered risks. These risks might include fire damage, severe weather events, or incidents of theft or vandalism.

Liability Risk Mitigation

There’s always a risk of liability claims stemming from accidents that happen on your property. With a comprehensive insurance policy, you are provided with liability risk mitigation. This means that you will have financial support should you be held liable for damages incurred by another individual.

Ensuring your home in Boca Raton, FL, is adequately insured and protected should always be a priority. A perfect way to achieve this is by contacting our experienced Coastal Premier Insurance Group team. Our knowledgeable agents can provide you with the assistance needed to create your ideal insurance policy, giving you the comfort and peace of mind that comes from knowing your home and assets are protected.

What is Included in a Home Insurance Plan?

Many people have found that owning a home in the Boca Raton, FL, area is a good idea. Those who own real estate here know their houses hold value and are in a wonderful community. While there are advantages to owning a home, it is also important to protect your property with insurance. Home insurance will include various forms of coverage that range from a variety of coverage options.

Property Coverage

Property coverage is one type of coverage you will get with home insurance. If a home is damaged by fire, bad weather, or other risks, you will want to ensure you can repair or replace the property entirely. A home insurance plan will include a provision that will provide you with financial support in these situations. Most lenders also require this insurance if you have taken out a mortgage.

Liability Coverage

People in this area of Florida also need insurance to get liability coverage. Various liability risks are always present if you own a home. If you are found liable for an accident, you will need to pay damages as restitution. If you have home insurance, it will include a liability insurance provision covering these costs.

Home insurance continues to be necessary for those in the Boca Raton, FL area. When you are ready to start searching for a plan, call our Coastal Premier Insurance Group team. Our Coastal Premier Insurance Group insurance team knows the value of this coverage and can help ensure you build the right policy to meet your needs. 

Understanding Home Insurance and Your Airbnb Business

For many, renting their home with Airbnb has been lucrative. Millions of homeowners worldwide use the Airbnb platform to earn extra money by making their unused living spaces available to travelers. But if you’re a homeowner thinking of doing Airbnb, there are considerations to consider regarding your homeowner’s insurance with Coastal Premier Insurance Group serving Boca Raton, FL.

Homeowners Insurance Isn’t Commercial Insurance

Homeowners insurance isn’t designed to be used like commercial insurance. And if you’re doing Airbnb with your home, it is a business endeavor that requires business/commercial insurance. Because of this, it’s unlikely that your home insurance would cover damages or liabilities that occur during a guest’s stay. This coverage gap could leave you, as a homeowner, exposed to significant financial risk.

Airbnb Insurance

Airbnb offers up to one million in protection per rental, but it may or may not cover all your losses. The Airbnb policy may not cover certain things, which could leave your claim unpaid. Another thing to know is that there are anecdotal reports that Airbnb isn’t easy or transparent to work with regarding claims. Whether or not that’s true, it’s worth thinking about when considering your liability coverage.

Discuss Options With Your Insurance Agent

Your best bet is to discuss your Airbnb plans with your Coastal Premier Insurance Group insurance agent serving Boca Raton, FL. There may be options available to you, such as insurance riders, that will give you the protection you need. It’s not dissimilar to when a person runs an office or other kind of business out of their home.

The last thing you need is damage from a rental with no coverage. There are options available, but you need to contact us to discuss them and implement plans. Contact us today to learn more.

How does home insurance protect someone in Boca Raton?

The Boca Raton, FL area has continued to be a great place to own a home. When you have a property here, it could take a significant investment that you will want to pay off. One way you can protect your investment is by getting insurance. A home insurance plan can protect you and your Florida property in various ways. 

Protects Dwelling and Assets

One of the ways your home insurance plan can protect you is by protecting your dwelling and personal assets. When you have home insurance, it will provide support if a fire or other covered risks damage your home. This can be an excellent investment as the cost of making some repairs is high. This plan can also give you coverage for your personal assets if damaged or stolen. Individual riders can cover more valuable items in your insurance plan. 

Liability Coverage

Anyone that owns a home should be aware of their personal liability risks. Home insurance will also provide you with some personal liability support, which will come in handy if an accident on your property results in injuries or other damage. Not only will you have financial support, but you will also receive guidance and help throughout the stressful process. 

For individuals and property owners living in the Boca Raton, FL area, securing the appropriate home insurance policy is a big necessity. If you’re prepared to start your search for coverage, our Coastal Premier Insurance Group team is here to assist you. Our specialists with Coastal Premier Insurance Group recognize the importance of this kind of coverage. They can offer you the knowledge required to develop a policy that meets your specific requirements.

Does Home Insurance Cover Theft of Personal Items at School or Work?

As a Boca Raton, FL homeowner, you have a lot to consider when protecting your home and possessions. But what happens if one of your most prized possessions is taken while you’re away from home? Does your Coastal Premier Insurance Group home insurance cover theft of personal items at school or work?

Personal Property Coverage for Theft 

In most cases, yes, standard homeowners insurance covers theft away from home. This coverage is known as personal property coverage and covers any theft or damage to items you own, no matter where they are located. 

Additional Types of Coverage 

Suppose you want more coverage than standard homeowners insurance provides. In that case, you can purchase several other types of coverage that will provide additional protection if something happens to your personal belongings while they are away from home. For example, an umbrella policy provides extra liability protection in case someone else gets injured due to something stolen from you at school or work. Additionally, pet insurance can help protect against the loss or theft of a beloved pet should such a tragedy occur at an off-site location. 

Homeowners insurance is designed to provide peace of mind when it comes to protecting your belongings inside and outside the home—but it pays to double-check exactly what type of coverage you have in place so that there won’t be any surprises if something were to happen. If you live in Boca Raton, FL, and need help determining what type of coverage is right for you, contact Coastal Premier Insurance Group today! We’ll help ensure that you have all the protection necessary when it comes time to rest easy, knowing that any theft or damage done to your property is covered!

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.