HOW CAN WE HELP YOU?

Click to Call
Coastal Premier Insurance Group, Inc.

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

Get Directions

Will Boca Raton, FL Umbrella Insurance Help Pay After a Car Accident?

Posted on by agentinsure

Our team at Coastal Premier Insurance Group is proud to work with a number of Boca Raton FL residents and car owners to help them get them the right insurance coverage for their needs. One type of coverage that is less well-known but offers some significant advantages is umbrella insurance — and the one area where it most often comes in handy is in auto accidents.

Will Boca Raton, FL Umbrella Insurance Help Pay After a Car Accident?    

Short answer: Absolutely!

Umbrella insurance is insurance designed to protect policyholders from large and sometimes devastating liability claims or judgments. This type of insurance policy typically covers bodily injury, personal injury, property damage, and landlord liability, and what’s unique about it is that it covers it all.

This is because unlike an auto policy that only comes in play for automobile-related accidents or homeowner’s insurance that only comes in play for property-related accidents, an umbrella insurance policy can come into play in any such situation. This specialized policy will come into effect whenever any underlying liability limits, such as those from your auto insurance policy, have been met but the damages or lawsuit claims have not. 

So, for example, if you are in a car accident that was all or mostly your fault and your automotive policy won’t cover all the other driver’s property damages, then your umbrella insurance policy will enact. If your automotive policy limit offers to $50,000 property damage but the other driver seeks out $75,000 worth of claims, then your automotive insurance will pay the $50,000 and your umbrella insurance will cover the remaining $25,000 (or up to its own policy limits). 

Learn More About Umbrella Insurance

Contact our team at Coastal Premier Insurance Group to more about how umbrella insurance policies can come in real handy.

Does Home Insurance Cover Hail Damage?

Posted on by agentinsure

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. 

Do Working Farms Need Umbrella Insurance?

Posted on by agentinsure

Owning a working farm poses challenges and unique risks to those who work or visit there. In order to provide enough coverage against liability, this type of business needs to have special umbrella insurance. This policy will protect against harm or injury sustained while people and property are located on the site. 

Umbrella Coverage for Farms

Anyone who owns a farm should definitely have an umbrella policy in place. Workers are required to help manage and run a working farm, and as a result, there are additional liability dangers at every turn. Having the right type of umbrella policy will cover any legal expenses and more. To begin finding umbrella insurance that suits a particular situation, consult with an insurance agent who has experience helping farm owners get the coverage they need. 

Work With an Agency That Delivers Results

Not all agencies are alike, which is why working with a top insurance agency is imperative. Those who live near the Boca Raton FL area can count on Coastal Premier Insurance Group to work with them to discover umbrella policy options that work for each individual and can help limit the impact of covered claims. Coastal Premier Insurance Group can work closely with clients to discover options that work best for every situation and help prevent gaps in coverage. Get the coverage necessary to avoid losses for residents of the Boca Raton, FL area. 

Farm owners have special needs that other businesses don’t, which is why it pays to work with a skilled insurance agency able to provide high-quality insurance products to its clients. Call or stop by Coastal Premier Insurance Group, serving the Boca Raton, FL area, and discover more about comprehensive insurance products designed to deliver security. 

Homeowners: Your First Home Purchase

Posted on by agentinsure

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. 

Does My Business Need Fleet Insurance?

Posted on by agentinsure

Most small businesses don’t need a fleet of vehicles to operate their business. A service-oriented business, on the other hand, may need several vehicles to ensure that all of their customers receive attention in a timely manner. Because it is easier to ensure vehicles as a group instead of one at a time, fleet policies are available. At Coastal Premier Insurance Group, agents help business owners in Boca Raton, FL get the fleet insurance they need to protect each of their vehicles.

Two Or More Vehicles

If your business only has one or two vehicles, insuring them separately isn’t a big deal. When you have three or more, on the other hand, insuring them as a group is the best way to make sure each vehicle has the same amount of coverage and is fully protected. Just like when an individual has two or more vehicles and all of them are put together on the same policy, your business may qualify for a multi-car "discount". 

Easier to Manage

Having fleet insurance is the best way to protect all of your company’s vehicles at one time. With all of your vehicles on one policy, there is only one premium payment. Each car is registered on the policy and has the same coverage as all of the other vehicles.

If you own a business in Boca Raton, FL and need to know more about fleet insurance and how it can help your business, call the agents of Coastal Premier Insurance Group today. They can explain the benefits of fleet insurance and how having one policy will save you both time and money. Call today and talk to an agent!!

3 Common Scenarios Where a Boca Raton, FL Umbrella Insurance Policy Comes in Handy

Posted on by agentinsure

If you already have general homeowner’s, automotive, or business insurance, then you may think you’re protected in the event of most accidents and disasters. Unfortunately, this isn’t always true. Every insurance policy has its limits or the maximum amount it will payout in the event of a claim. If you suffer an accident or are the target of a lawsuit seeking damages over what your current policy covers, then this is when an umbrella insurance policy by Coastal Premier Insurance Group kicks in.

Umbrella insurance policies cover costs that would otherwise be on you, your family, or your business because of insurance policy limits. Just consider the following common scenarios in which a Boca Raton, FL umbrella insurance policy can be a huge boon:

3 Common Scenarios in Which a Boca Raton FL Umbrella Insurance Policy Will Assist

  1. You are in a car accident involving multiple vehicles. Quality automobile insurance will protect you from financial damages if you are found at fault for an accident that caused injuries to another person or vehicle damages. However, these policies do have limits and so if you are found to be at-fault for a big accident that involves several vehicles, then the financial damages may amount to more than your insurer will payout. An umbrella insurance policy is designed to cover those amounts over your coverage limit.
  2. A guest is injured on your property. If your friends or friends of family members come to your property and are injured, then you will likely be held responsible for those injuries if they ever take you to court. Even something innocuous, such as injuries resulting from their being reckless in your swimming pool or playing on your playground equipment can cause you to be financially responsible. An umbrella insurance policy will pay out any damages the court awards the injured.
  3. Your dog bites someone on or off your property. Dog bites unfortunately happen and if you are sued as a result of a dog bite on or off your property, an umbrella insurance policy can fill in the gaps that your homeowner’s policy doesn’t cover.

Learn More About Iowa Umbrella Insurance Policy 

Contact one of our agents at Coastal Premier Insurance Group to learn more about umbrella insurance policies.  

 

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

Posted on by agentinsure

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

Posted on by agentinsure

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

Posted on by agentinsure

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

Posted on by agentinsure

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.