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Coastal Premier Insurance Group, Inc.

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

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Homeowners Insurance in Florida

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Homeowners insurance protects a property owner from costly out-of-pocket expense for repair and replacement of a home after a hurricane. When natural disasters strike, the benefits of a homeowners insurance policy covers expenses arising from repair and replacement of property. Homeowners insurance coverage also protects a property owner from legal liability. If a guest should sustain an injury during a visit, subsequent medical bills are covered.

Disaster Risk Protection

A home is a major investment that should be protected by a homeowners insurance policy. Florida homeowners insurance policies protect a property investment after a disaster. Insurance coverage pays for repairs to property damage, as well as the interior contents of a building. Protect your property and your finances with a homeowners insurance policy.

Liability Risk Protection

If a guest slips and falls, a property owner may be forced to pay for unexpected hospital and court costs. Negligence rules to liability oblige a homeowner to pay for guest injury. Homeowners insurance coverage compensates a guest who has been injured, by paying for a claim. Medical bills and legal fees are all covered with homeowners liability insurance.

Homeowners Insurance Coverage

Comprehensive Coverage – a full-coverage insurance policy covering property and liability damages from disaster or other risk event.

Individual Coverage – covers debt obligations and outstanding mortgage finance at time of accident or death.

Packaged Indemnity Agreements – insuring real property and personal effects in case of disaster damage or theft.

Combined Life Coverage – homeowners insurance and life insurance combined in a single policy, covering property, liability, and end-of-life expenses and benefit to beneficiaries.

To find out more about homeowners insurance policy claims, premiums, grace periods, and terms and conditions in Florida, and obtain a quote, contact Coastal Premier Insurance Group, Boca Raton, FL.

Buying Auto Insurance for the First Time

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Auto insurance can be a very difficult thing to traverse if you are not at all sure what type or amount of coverage you need. For those in Fort Lauderdale, FL, Coastal Wealth Insurance LLC and their helpful agents can find the right coverage for you, even if you are a first-time insurance buyer. Buying insurance for the first time can be tricky but with the right information, anyone can find the coverage they need.

What is Basic Coverage?

Basic coverage is what you are required by law to have on your automobile. This is liability coverage to help cover medical cost and deductibles if you are in an accident. Each locality is going to have a different set of laws and requirements that you must meet in order for your car to be street legal. It is important that if you are a first-time insurance buyer, you talk with an agent that knows how much insurance you need, what type of policy you need, and how to get you the coverage required for your car to be street legal.

Full Coverage

For those that are buying a new car or that are going to have a car with a lien or loan out against it, it is going to be necessary to have full coverage. This is going to cover the cost of medical bills up to a certain amount, the cost of your deductible, and the cost of replacing your car. There are tons of different levels of full coverage insurance and for first-time buyers, it is always helpful to talk with an agent. If you live in the Fort Lauderdale, FL area, the agents at Coastal Wealth Insurance LLC can help you find the coverage that you need to be legal and to be covered.

 

Florida Residents: Is Your Home Insurance Ready for Winter?

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Home insurance is important all year ’round, but perhaps the most important time of year to get it if you are still an uninsured homeowner is during the winter. Boca Raton, FL may not be the coldest place in the United States, but there is still a risk that the coming winter season could cause some serious issues for you.

One of the worst thing you can have happen to you is to have someone experience an accident while on your property, especially if you are not properly insured. Were that to happen, you could be up a creek without a paddle, leaving you stuck carrying the bill for the person’s medical expenses, their lost income, and possibly pain and suffering. So you should try and get yourself covered by a quality homeowners insurance plan before something like this occurs.

There is, of course, also a concern about experiencing damage from winter weather. For instance, if your home is poorly insulated, it is a very real possibility that your home’s woodwork and indoor furniture could suffer from the dry weather brought on by the colder temperatures. Not only can this cause you to incur heavy expenses, you may lose irreplaceables, such as mementos left behind from late family members. While homeowners insurance will not make up for the loss of an irreplaceable object, it is at the very least nice to know that your financial interests will be adequately covered.

If you are a resident of Boca Raton, FL and are in need of assistance getting  yourself set up with quality homeowners insurance, you should absolutely consult the staff at Coastal Premier Insurance Group, Inc. who will help you find the type of insurance plan that works for you – both in terms of your budget and your specific needs and concerns – in just minutes. Either way, get it done before the perils of cold weather blows in.

4 Tips to Understanding Boca Raton Home Insurance

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Living in Florida definitely has its perks, but it can also be rather expensive to do. Home insurance in Boca Raton, FL may seem like just another expense on your monthly list of bills, but it’s really an active part of keeping yourself and your family safe. Find out more about how you can understand it.

1. The specifics are yours

Your policy is made for you, meaning it can be altered or changed when you need it to be. If your home (or the possessions inside it) goes up in value, then that’s not something your home insurance provider can possibly know. You have to make them aware so that you can be sure all of your new things are covered from literal and metaphorical storms alike.

2. It’s not rocket science

The clauses themselves may seem like they’re written in another language, but the terms actually need to stay somewhat generic. It’s impossible to think of every situation that may occur! However, as long as you think logically through it all, then you can reason your way through different situations so it’s less of a mystery.

3. Know your neighborhood

The Coastal Premier Insurance Group knows just how devastating weather events and criminal acts can be, so it’s worth it to know your major risks in Boca Raton, FL. You may not want earthquake insurance perhaps, but hurricanes are a different story.

4. Find someone who can answer questions

The Coastal Premier Insurance Group wants to be there for you, so you don’t have to assume too often. We have the agents who are here to answer your questions, and ensure that you walk away with at least a good understanding of what it is covered and what isn’t. Call today for more information!