In Naples, FL what you’ll always hear about condo insurance is that, if it’s outside of the building, the condo association’s or management’s insurance will cover it. If it’s inside the building, that’s where your personal condo policy kicks in. But the line can be a bit blurry. If your home came pre-furnished, it might not always be clear what property is covered by which policy.
For example, we’ll take the curtains. Okay, chances are, you’re never going to file an insurance claim just for a set of curtains, but replacing them will be part of the deal if there’s a fire or something.
The question comes down to ownership. In an apartment, those curtains would certainly be covered by your landlord’s policy, not your rental policy. You’re not going to be modifying those curtains, you’re not going to take them with you when you move out, and it’s not going to be your insurer who has to replace them in a fire. They belong to the landlord. And that extends to any pre-furnishings in the apartment.
With a condo, it comes down to whether you’re a renter or a buyer. If you’re buying, then everything in your home is technically yours. The seller isn’t going to sell you a condo and then come back a year later to collect the curtains. Even if you’re still paying your mortgage off, that’s your property to protect and replace as you see fit. If you’re renting, then the scenario isn’t much different from an apartment, and curtains and other furnishings will be on your landlord’s insurer to cover.
So, to put it simply:
- Renters: Those curtains are your landlord’s responsibility
- Buyers: Those curtains are your responsibility
If you’re still shopping around for condominium insurance in Naples, FL, get in touch with Pro America Insurance. At Pro America Insurance we can help you to find a policy that fits your needs whether you’re renting or buying.
Congratulations on buying a classic motorhome. It is now time to tour the world and visit family & friends. However, Naples, FL roads can quickly become dangerous if you do not have insurance. At Pro America Insurance, we recommend buying a type of coverage known as Recreational Vehicle insurance coverage or RV insurance. So, how much insurance do you need to insure your motorhome adequately? Read on to find out.
How to insure your motorhome.
Keep in mind that your motorhome is your home away from home. That means that in case of an accident, loss, injury, or theft, you will want to make sure that you have enough coverage to restore your motorhome back on the road. As a first time RV owner, you need to know some of the most common RV accidents to help guide your coverage purchase. The following are some of the most common accidents in Naples, FL.
How much is the real cost?
A class A motorhome is the largest RV we have on the roads. That also makes them some of the most expensive vehicles to insure. However, there are a few factors that your insurance company will consider when calculating your premiums. Such factors include:
Your age and driving record
The value of your Rv
Whether you use your RV as a place of residence or for occasional vacationing
Where you live and the security level there
How much coverage you need for personal possessions
When comparing quotes, always make sure that you fully understand your policy. Don’t sign the policy if you are not sure about certain coverages. If you have never driven a motorhome before, it is also prudent that you consider more liability.
Let Pro America Insurance help you get the best out of your RV insurance. Contact us for more information, quotes, or questions.
At Pro America Insurance in Naples, FL, we know that flood insurance is an important part of protecting your investment in your home. Most homeowner’s policies do not cover floods, so a separate flood policy is needed.
Do I Really Need Flood Insurance?
Many homeowners question if they really need flood insurance. Even if you don’t live near a body of water, you need flood insurance. Floods are the most common natural disaster in the U.S. Your home is more likely to be damaged by a flood than by fire.
Will Damages be Covered Through Federal Disaster Assistance?
If a federal disaster is declared, the government may pay for the damages to your home. However, only 10% of disasters are declared as federal natural disasters. Even if government assistance is provided, it is a loan that must be paid back. Flood insurance covers the damages regardless of a disaster being declared.
What if Other Areas Were Damaged?
If other areas of your home were damaged that weren’t directly due to the flood, you will need to file a separate claim on your homeowner’s insurance. For example, a strong storm causes your home to flood and damages your roof. You’ll need to file a flood claim and homeowner’s claim.
What is Covered Under Food Insurance?
Most policies cover direct physical damages and flood-related damage due to erosion. The structure of your home and basement are covered. Essential equipment that is normally found in the basement is covered as well. However, personal belongings stored in the basement or lower level of your home are not normally covered.
If you need flood insurance, contact Pro America Insurance in Naples, FL. We can answer any questions you have about flood insurance and help you choose the policy that best suits your needs.
Boating is not at all like driving a car. This is why boat insurance is vastly different from automobile insurance as well. Boat insurance is not a legal requirement in the state of Florida, but most boaters know the value of keeping some coverage and add ons for their watercraft. At Pro America Insurance we want you to have exactly the coverage you need for peace of mind and safety out on those Florida waters all year round. We are happy to provide the people in and around Naples, FL with premium insurance services.
Boat Insurance Add Ons
- On Water Towing and Fuel Services — Do you have a contingency plan for breaking down or running out of gas? This add-on brings the most peace of mind.
- Wreckage Removal, Including Pollution Clean Up — This is an important one because you are legally required to remove your boat after a wreck and clean up any fuel spills.
- Water Sports Coverage — Water tubing and skiing leave many opportunities for personal injury. If you have a policy you may be protected if you are hurt on the water, and you will be further protected from litigation if a guest is injured, up to your policy limits.
- Fishing Equipment Protection — Your expensive fishing gear or other items you "carry on" the boat may be able to be insured under this add on. Be sure to make sure your coverage is for exactly the items you have purchased by keeping documentation and receipts with your insurance policy.
Contact us a Pro America Insurance if you have any questions about boat insurance, boat insurance add ons, or insurance in general. We serve the community of Naples, FL with premium insurance services for their boat, vehicle, home, life, and more. Call today.
A great place that many people dream of moving to is Naples, FL. If you are in this area of Florida, you will want to make sure that you are able to enjoy the nice weather as much as possible. One great way to do this is by getting a motorcycle and using it as your primary mode of transportation. If you do get a motorcycle, you also need to get insurance. There are several reasons why someone needs to get motorcycle insurance.
Provides Protection for Asset
One reason why someone in Naples will need to get motorcycle insurance is that it will provide protection for their valuable asset. If you go out and buy a motorcycle, you are going to be making a big purchase. If this asset is vandalized, stolen, or otherwise damaged, you will want to have coverage to repair or replace it. A full motorcycle insurance policy will give you coverage to do that.
Further, when you operate a motorcycle in Florida, you also are going to be required to carry motorcycle insurance. The state minimum requirements will require that you have at least a certain level of liability motorcycle insurance. This will ensure that you have coverage and can afford to pay restitution if you cause damage in an accident.
Owning a motorcycle in the Naples, FL area can be a great experience. If you are looking for a motorcycle, you also need to get into a quality insurance policy. The team at Pro America Insurance is a great company to reach out to for your insurance needs. When you reach out to Pro America Insurance, you can be assured that you will have someone that can assess your situation and get you into a policy that properly covers your risks.
A boat is a unique financial asset and as a result, requires a unique insurance solution. Before purchasing a boat insurance policy, it is critical to ask important questions to ensure you are buying the right policy for your situation. If you are a boat owner in the Naples, FL area, call an agent at Pro America Insurance agency to answer all your questions.
What value of the boat is being covered by the insurance?
There are two types of values when it comes to boat insurance: agreed value and actual value. Agreed value means you will decide on the value with the insurance carrier before purchasing the policy. Actual value means it will take into consideration the depreciation of the boat resulting in a lower payout value. Because boats depreciate quickly, you should consider a policy with an agreed value payout.
Does the policy include coverage for emergencies?
Most policies do not automatically include coverage for assistance if there is an emergency and you need to be towed back to shore. If you would like emergency coverage, you will need to ask your agent to add it to your policy.
Is my personal property on the boat covered?
Yes, the policy will provide some coverage for your personal property on the boat. However, if you have special equipment such as scuba or snorkeling gear, you will want to make sure you have enough limits, so you are adequately protected.
What is my coastline coverage limit?
Often an insurer will limit your insurance to be a certain distance from the US and Canadian coastline. It is imperative to check with your carrier about what your limit is and then be sure to stay within that boundary to ensure you have coverage.
At Pro America Insurance, we make sure all boaters in the Naples, FL area have superior boating insurance in place.
Two-income families often think that their need for life insurance is mitigated by the fact that both parents are working. This, unfortunately, is not always the case, and it is important for all families to take a close and objective look at their life insurance needs. The team at Pro America Insurance is here to help the families in the greater Naples, FL area find the right policy to meet their unique needs.
Why Life Insurance is Important, Even for Two-Income Families
In the unfortunate event that a parent passes away, the family income can be cut in half or even more. This reduction in income can have an immediate and negative effect on the family if the death benefit is insufficient. The surviving parent will need to continue working even as their children may require more time and attention. It may also become necessary to sell the family home or move the children out of a private school. These realities can be avoided with a life insurance policy that is at the appropriate level to allow the family to continue as before. Financial security is difficult to come by, even when both parents work, and in the event that one parent dies unexpectedly, the financial position of the family can become more precarious. A death benefit that helps to replace the lost income can make the difference between a lot of upheaval in the family’s life and a way to maintain their current standard of living.
Interested in learning more about the importance of an appropriate amount of life insurance coverage? Contact the team at Pro America Insurance today to schedule a consultation. We are proud to serve the greater Naples, FL community and would welcome the chance to work with you too!
When you own a business in Naples, FL you are not mandated to have commercial insurance by state law. You may, however, be required by a bank or lending establishment if you have a business loan or mortgage. Just because commercial insurance isn’t mandatory doesn’t mean that it isn’t a good idea to have some coverages. Each business has unique liabilities and to protect you and your business, why not let the experienced agents at Pro America Insurance help you to decide what your commercial insurance should consist of.
In the same way that you protect your home with home insurance, if you own your building, you need to have building insurance. It offers the same types of coverage as home insurance against things like fire, theft, vandalism and weather events.
Commercial auto insurance
If you are using vehicles as part of your business, they should be covered under a commercial insurance policy. Keeping your business vehicles off of your personal auto insurance is a good financial and business strategy.
Workmen’s compensation insurance is required in Florida if your business meets certain criteria. As a business owner, you need to know if you meet the requirements to have this coverage.
Lots of things can happen to your business. A visitor or customer can be injured while visiting your premises or injured by a product you produce. This can result in legal action against you. Having liability coverage will protect you if you are sued.
Business interruption coverage
If something happens to the business that results in your not being able to do business for a period of time, this insurance makes sure that you can still pay bills and meet your obligations until your business is back up and running.
As a business owner in Naples, FL you can feel confident about the stability of your business if you have the correct commercial insurance. Stop by or give Pro America Insurance a call.
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.