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!

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.

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. 

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. 

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. 

It is important to know the terms and conditions associated with home insurance. Many places are prone to hail damage, especially during the spring and summer months. Before the warm weather moves in, make sure to know if you are protected against storm damage, including hail. This type of damage can be extensive and impact more than just the roof of the home.

Hail Damage Protection

In most instances, the home insurance policy will cover hail damage up to the set terms of the policy. Know what those limits are, and if necessary, purchase additional insurance coverage to prevent gaps. Before settling on a policy, thoroughly discuss what is covered, and get advice from a trusted insurance professional. Most experienced insurance agents can help guide their customers through the policy selection process according to their current needs. Additionally, they can also suggest ways to add any additional coverage to customize protection. 

Quality Insurance Services

Part of getting a blanket of protection is having access to insight and knowledge from a helpful, experienced insurance agent. The Coastal Premier Insurance Group, serving the residents of Boca Raton, FL can help those who are currently shopping for top protection from damage as a result of storms and other risks. They can help outline your needs and offer top quality insurance products that can match those needs. This is the best way to get the coverage necessary to have year-round security.

Don’t wait until the risk of weather damage is present. Get the top insurance coverage you need now with the help of The Coastal Premier Insurance Group. They are looking forward to helping residents around the Boca Raton, FL area have peace of mind. Call or stop in today for more details. 

Making your first home purchase can be an enjoyable process.  The purchase can be one of your largest and knowing the steps involved is a smart way to prepare.  There are helpful resources available online with each step outlined for how to best prepare.  This can be nicer for first-time homebuyers making their big purchase with contracts and money exchanges.  One of the simplest steps to get through can be planning for home insurance.  Serving the Boca Raton, FL area, Coastal Premier Insurance Group is available to answer your questions about insurance and the process involved when buying your first home.  This experience can be helpful and the friendly staff is able to walk you through any paperwork needed for the purchasing process.

The excitement of buying a new home can help people get better organized for the moving process.  Determining the available move-in date is easier with some of the paperwork completed.  Organizing your move is simpler with a few tips for preparing your belongings and arranging how you want to pack everything.  Knowing what you will need after moving in can make it easier for packing and unloading all of your items into your new home.

You can call Coastal Premier Insurance Group once you decide to purchase a home or when you are preparing any paperwork needed for the closing of your home loan.  Your purchase is an exciting real estate investment and you can be proud of your work to get the process moving along.  Preparing for the move can be simpler with more of the steps completed.  Boca Raton, FL is proud to have our first-time homeowners successful with their new purchases.  Contact the agency with any questions or visit our office to discuss your home insurance options. 

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.

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.

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.