Buying a condo in Naples, FL is a major investment. One of the main reasons that you may need to purchase condo insurance is that it is required by your lender. If however, you are a cash buyer, under the law of the state of Florida you are not required to have condo insurance, however, your condo association may require that you have coverage for your individual condo. Condo units are usually covered by two types of insurance policies, a master policy that is held by the condo association and a unit insurance policy that you as the owner of the home purchase. Confused? Why not talk to the insurance experts at Pro America Insurance in Naples, FL and let them help answer your questions.
When you buy a condo, you are buying one piece of a larger unit. The exterior of the condo, the roof and the common areas such as walkways and a pool are covered under the master policy. This includes liability for those areas as well as physical damage.
Your personal condo policy covers the interior of the building. Things like damage to the furniture, your clothing, and personal effects are included. Coverage extends to damage from fire, theft, and vandalism as well as liability if someone is injured while visiting your home.
If your unit should become uninhabitable from a covered event, a condo policy will provide the money that you need to find another place to stay until your unit can be repaired. How much and for how long depends on your policy.
Hurricane insurance is important in Florida and you should discuss this important coverage with one of the experienced agents at Pro America Insurance in Naples, FL. Give them a call or stop by their office for a no-obligation quote and to discuss the perfect condo coverage for your needs.
Can Fun Be Insured?
The motor home made its debut in the early 1900s when builders began constructing camper accommodations atop bus or truck chassis. The fun hasn’t stopped since then with each new advancement making this mode of recreational travel more and more luxurious. The fun wasn’t insured though since car insurance didn’t become mandatory until 1927.
Pro America Insurance Is In The Protection Business
The agents at Pro America insurance can steer your fun into high gear by offering the right protection for your motor home. Motor home owners have to consider a lot of factors when they decide how they want to Insure their vehicle. Taking care of the business upfront will give you the opportunity to leisurely enjoy your motor home later without the worry of whether or not you are protected against a pending liability or loss. Speak with an agent today and listen to what they have to say about the best ways to protect your investment.
The Last Thing You Want To Think About When You’re Having Fun
We know and at Pro America insurance you won’t have to because we will think about it for you. Come in today to discuss how to protect your sense of fun and adventure we are located in Naples, FL. If you’d rather call please feel free to do so at 239-434-5500. Just to make sure you stay on track with your insurance needs we offer an annual policy review. This is a great opportunity for you to get together with one of our agents and discuss any changes or new ideas that may have occurred during the year. Just another way to ensure that you are well insured.
Living in or near Naples, FL means you’re going to enjoy some of the most beautiful weather in the United States. Even better, the weather year tends to stay quite comfortable all year long. As with most parts of Florida, though, you are likely to endure heavy amounts of rain from time to time. In fact, hurricanes are quite common and can lead to a lot of damage. This is why having flood insurance is of the utmost importance as a homeowner in Naples. Here at Pro America Insurance, we strive to ensure our customers are protected all year long with the best insurance. Contact us today to learn more about the benefits of flood insurance.
Homes That Need Protection
A single inch of water can cause tens of thousands of dollars of damage to a home. What may come as a surprise is that many homes that are damaged by flood waters are actually outside of a flood zone. This means that regardless of your location in Florida, you are always at risk for flooding. If you think your homeowner’s policy covers flood damage, you may want to recheck your coverage. Many homeowners policies don’t provide flood damage protection. As a homeowner in or near Naples, it’s pertinent to protect your home with an actual flood insurance policy.
Improve Your Home’s Value
If you ever intend to sell your home, you are much more likely to get top dollar for it if you show interested buyers just how much you have taken care of your home. And there’s no better way to show them you have taken care of it than with proper insurance coverage.
To learn more about flood insurance, contact Pro America Insurance serving the Naples, FL area.
For the state of Florida, owning a boat is essential to experiencing life on the water. With all of the fresh and salt water available, purchasing a boat is common. If you currently have a boat or are looking at making a purchase, protect your investment with boat insurance. Pro America Insurance offers a boat insurance policy for residents in or around the Naples, FL area that takes into account the investment of the boat.
When you purchase your boat, you have used hard earned money to invest in something that will bring you and your family a lot of memories and summer fun on the water. While boats are not expensive purchases, they are recreational investments that require maintenance and storage to maintain its usage and value. Carrying insurance on your boat is just as essential and provides a financial level of protection. In the event that your boat is damaged, stolen, or destroyed, a boat insurance policy will provide full coverage.
With thousands of boats on the Florida waters, accidents are inevitable during boating season. Should your boat be involved in an accident, damages and potential medical expenses are involved depending on the level of bodily injury. With boating insurance, damages your boat suffers as well as any bodily injury can be covered. Not having boat insurance can cause you as the boat owner to be financially responsible for these expenses.
Get Covered Today
If you are already a boat owner or purchasing one in the near future, contact an agent at Pro America Insurance today for a boat insurance policy. Our agents proudly serve the Naples, FL area and understand the importance of the boat community within the area. Let us get you covered today and boat insured this summer.
Owning a motorcycle carries a lot of responsibility. A passenger on a motorcycle has a lot of responsibility as well. Just as the passenger has to lean with the driver to negotiate turns on a motorcycle, the passenger has to consider the risk that they take along with the driver.
As you are preparing your motorcycle insurance policy with your qualified motorcycle insurance agent consider the type of passenger you may have on your motorcycle. You may plan to ride your motorcycle as a soloist every time you ride. However, if you ever have a passenger on your bike, the amount of insurance you have to protect them is worth considering – taking into account the age of the rider as well as the health of the rider. We will help you make the best decisions to protect your valuable asset.
We understand that the monetary value of your bike must be protected. The viability of the driver, as well as the passenger, must be protected. Additionally, the liability that may be incurred in an accident where you are at fault must be a consideration in underwriting your policy as well. At Pro America insurance we will help you with all of these factors and draw a comprehensive unique policy to protect you and your individual needs.
Come into Pro America insurance in Naples, FL at your earliest convenience. You can ask questions about coverage levels for yourself and your passengers. Our address is in Naples, FL 34109. It is always better to know what your coverage is before you hit the open road. Protecting yourself and any potential passenger is of the upmost concern for you and it is our job to alleviate your concern and convert it to enjoyment under the right protection.
The state of Florida has different terms regarding auto insurance. Read on to understand how things would work if you are involved in an accident in Naples, FL.
The No-Fault System
The state of Florida is a no-fault state, which means that your insurance policy will pay even if the incident is not your fault. Say, for example, someone rear-ends you while you are waiting at a red light. Your indemnity plan will pay for damages and injuries immediately instead of you being forced to wait for the offender’s assurance policy to kick in and make recompense for damages.
The no-fault system is especially useful when the offending party does not have insurance. You do not have to suffer the brunt of paying out-of-pocket for repairs to your car or for medical bills just because someone decided to drive without proper assurance. Another benefit of the no-fault system is the simplicity. There is no need to opt into an underinsured/uninsured plan, which means that you know that you are covered.
Minimum Insurance Requirements in Florida
You cannot drive a vehicle legally in Naples FL and throughout the state without first obtaining an auto indemnity plan that pays at least $10,000 for personal injury and $10,000 for property damage. Bodily Injury Liability (BIL) is a separate form of coverage that the Florida Department of Motor Vehicles (DMV) may require drivers to purchase.
Let Pro America Insurance Help
It is important to note that, although the state minimum requirements are $10,000 for personal injury and property damage, it may be beneficial for you to buy more assurance. Imagine yourself having to pay thousands in out-of-pocket expenses for an accident that costs well over the $10,000 policy limit. Such is a possibility when you choose the bare minimum in insurance plans in Florida.
The experts at Pro America Insurance can help you find the auto policy that works best for your lifestyle in Naples, FL. Call them today for a quote!
Once we are past the age of 60, there are a number of concerns that must be addressed. When Naples, FL residents meet with Pro America Insurance, they are typically concerned about their ability to obtain life insurance when they are over 60.
What Changes Do We Need To Be Aware Of?
After the age of 60, the life insurance policies that we are able to purchase change significantly. During our younger years, every possible life insurance policy is available to us. Whether you are looking for a 10-year term, a 30-year term or even a 40-year term, there is no shortage of potential options.
Obviously, 30-year terms and 40-year terms are not as readily available once we are over the age of 60. The terms of the policies that you are able to purchase are capped. Anyone who is over the age of 60 and looking to purchase a term life insurance policy that stretches longer than 25 years will not be able to do so.
How Can I Obtain The Insurance That I Need?
There are a few key aspects of determining the form of life insurance that you need. For example, those who are already out of the workforce may need a different form of life insurance. Those who are still actively working should purchase a term life insurance policy that offers coverage until retirement.
Estate planning needs must also figure into the equation during this decision making process. Applicants who are over the age of 60 years old must start to plan for what will take place after they have passed on. In these instances, lifetime policies are the best course of action.
Over the age of 60 and looking for additional guidance when it comes to your life insurance options? Naples, FL residents who fall into this category are urged to contact Pro America Insurance as soon as possible.
You purchase a commercial insurance policy when you are a business owner to protect you against losses arising from the damage to property, injury to employees or potential lawsuits. The well-being of your business is dependent on the type of commercial insurance plan you have. In case a loss happens, you have to ensure your business can recover fast, and reduce a loss of income that may bring financial ruin.
Insurance requirements in Florida
In the state of Florida, employers are not needed to buy coverage for all aspects of their business. However, specific kinds of insurance covers are state-mandated.
- For instance, Florida companies with at least 4 employees are needed to have worker’s compensation coverage. In the case of a construction company, insurance is needed for even just one member of staff, including the owner of the business.
- Given that your company operates vehicles for business purposes, commercial automobile insurance is mandatory.
- Moreover, if your business profession is susceptible to lawsuits, it is wise to consider policies like general liability insurance as well as a professional liability insurance. General liability insurance is beneficial in the event that may be a delivery guy slides on some water on your business premises and breaks his wrist, a young model having a photo shoot at your studio suddenly falls due to some wires and twists her leg, or your marketing team designs a slogan that is seen as slander by others.
- Commercial property insurance is needed to protect your company property from accidental damage and theft.
Pro America Insurance is licensed in Naples, FL, and are capable agents can assist you in identifying the best, cost-effective coverage for your business.
The type of industry you are operating in is significant in knowing possible insurance covers and limits. Whether you are a personal trainer, a dental hygienist, or an IT company, Pro America Insurance, Naples, FL can help you get a commercial insurance cover that suits your assets, risks, and needs efficiently.
Hurricanes, no matter how large or small, bring devastation. You especially suffer the brunt of tragedy if you are one of the unfortunate souls who loses your home during the heavy gusts of wind coupled with intense rainfall. With so much heartbreak involved in the aftermath of a hurricane, you want to make sure that your insurance policy is all-inclusive of damages to your Naples, FL home. The staff at Pro America Insurance can help you ensure that your policy is one that pays for expenses related to repairing and rebuilding after the devastation of a hurricane.
Does a standard homeowners’ insurance plan cover hurricanes?
The average homeowners’ insurance plan in Naples, FL may not cover every aspect of a hurricane. Flooding is a major factor that most basic assurance policies do not cover. You may find yourself out of luck, then, if the majority of damage incurred by a hurricane is due to flooding. Some homeowners’ insurance plans leave out natural disasters altogether, which means that a provider will not pay for anything upon getting wind that your losses are due to a hurricane.
What can you do?
The best homeowners’ insurance policies cover everything from natural disasters to fires. You should search your policy to see if there is an additional allowance for natural disasters and flooding. If no such notation exists in your paperwork, then you should contact your insurance policy provider immediately to learn about options for those living in areas where hurricanes frequent.
The agents of Pro America Insurance are happy to answer all of your questions regarding flood as well as natural disaster assurance. Call them today to go over the details of your current homeowners’ indemnity policy and to find the plan best suited for your lifestyle.
The simple answer is that it depends on the type of policy that you have. Whether you are considering changes to an existing policy or looking for new coverage, the knowledgeable team at Pro America Insurance works with individuals and businesses throughout the Naples, FL area to get the best coverage for their needs.
Most vehicle owners have the required liability insurance as mandated by the State of Florida. While this covers the auto repairs and medical expenses of the other party when you are in a wreck that you are found responsible for, they don’t cover your own expenses. By adding collision and comprehensive auto policies, you are better protected should an accident or ‘act of God’ event occur. It is these policies that will help you to recover quickly from a severe weather event. The comprehensive insurance policy is designed to provide coverage in natural disasters. It provides monies for repairs, for instance, when a tree limb falls on your vehicle. It can go further when the damage results from hurricanes, tornadoes and hailstorms. These policies are also created to protect from dangers such as fire, civil unrest, theft and damage from striking an animal.
While comprehensive and collision auto insurance policies cover a broad range of events, it’s still important to talk with your agent at Pro America Insurance for the details about specific coverage. They have lived and worked with individuals and businesses in the Naples, FL area so they understand the challenges that vehicle owners face every day. They can help you find the adequate coverage you need at the price that suits your budget. When you have questions about a current policy or available insurance options, give them a call then go visit their agents.