Florida boat owners are not demanded to procure licenses to operate their watercraft vessels. However, the law requires you to register and title your boat with the federal state of Florida. As a boat owner, especially the first-time buyers in Naples, FL it’s imperative to consider buying boat insurance that will safeguard you, your boat, and your passenger while on Florida waters. The price of boat insurance in Naples, FL depends on a variety of factors such as:

Your boat’s value.

• Your boat storage and its maritime territory.
• The size and type of your watercraft.
• How often your boat is used and its use.

Acquiring an outstanding boat insurance policy is crucial because you are not worried about what might happen if a disaster strikes your boat. You are guaranteed protection when you are exploring Florida waters. This risk has necessitated most boat owners in Naples FL to turn to Pro America Insurance to provide them with complete insurance coverage for their precious investment. Visit us today, and we will instill peace of mind while you are enjoying your boating escapades.

Tips to consider before buying boat insurance for first-time buyers in Naples, FL.

• Your Auto and Home insurance policies do not cover your boat insurance: An auto insurance policy does not protect your boat while it’s in the water, but only when traveling with it while attached to your vehicle on land. A homeowner’s policy will cover your boat while on your property, but when it’s in water can only cover a small boat or a boat with a small engine in certain waterways.
• Choose the right agent: If you do not want to suffer a loss from a certain discrepancy in the boat insurance policy, it’s prudent to put the effort in locating the right agent for your boat needs who is well versed with boat insurance matters.
• Establish the minimum requirements for boat insurance by your state: Though many states do not require boating insurance, legal requirements are not the only consideration. If you take a mortgage to procure your boat, the lender holding the loan will require boat insurance.
• Know your insurer: As a new boat owner in Naples, FL, the best way to go is to procure your boat policy directly from a reputable insurance entity or a boat insurance specialist. You can also add your boat insurance to your homeowner’s policy that you procured from an independent insurer.
• How do you want to use your boat: It’s paramount to know why you are buying your boat. Is it for recreational or business purposes? Ensure that you select a good policy that is in tandem with your boat needs.

Contact us today or visit our Pro America Insurance located in Naples, FL for more information about boat insurance.

Having a motorcycle can make the Florida sunshine even more enjoyable. But if you’re not sure about the type and level of coverage you have, you could be unintentionally putting other people at risk. If you’re in the Naples, FL area and have questions about motorcycle insurance, Pro America Insurance can help. Then you can have the right kind of policy for your needs, and make sure you’re protecting both yourself and your passenger if you should be involved in an accident while on your bike. That can add to your peace of mind, as well.

Whether your policy will cover a passenger depends on the kind of coverage you have for your bike. That’s a big part of the reason why it’s so important to work with a knowledgeable agent. When you talk to an insurance professional, you can get the information you need to make sure you have the coverage you need. If your passenger expects to be covered under your insurance, or asks you about it, you’ll want to be able to give that person the right information on any risks they may be taking by riding with you. It’s possible to get a policy that covers passengers, but not all policies offer that protection.

If you have questions about motorcycle insurance, or you need to get or update a policy, reach out to us at Pro America Insurance today. We help riders in and around the Naples, FL area with their coverage needs, to make sure they have the protection and information they’re looking for. With a good bike policy, you can focus on having fun and enjoying the weather, and take a passenger with you while protecting them, too. There are some great places to explore on your bike, and knowing you have quality coverage can make that exploration more enjoyable.

Pro America Insurance serves the Naples, FL community by offering multiple types of insurance policies. Helping our clients find the coverage they need is our top priority. We use our status as an independent agency to help our clients assess a wide variety of coverage options.

Accident Insurance Overview

It’s hard to predict the future. Things can change in an instant. Accident insurance offers a layer of protection as you deal with the trials and tribulations of life. If an unexpected situation arises, you will be covered. The policy covers your care and rehabilitation if you are injured in an accident. You can add accidental insurance to supplement your traditional health insurance policy. In addition to covering your treatment if you are injured, you can add coverage to protect you if you are playing in an organized sports league and you suffer an injury.

Accidental insurance also covers you during times of grief. If you pass away due to an unfortunate accident, the policy will provide a safety net to your family as they deal with your passing. If you have to miss work for an extended period of time, you will be covered. This can help alleviate some of the stress that you may feel while you are off work and recovering. In the event that you decide to pursue another employment opportunity in Naples, FL, you will still be covered.

Remember that accident insurance is intended to be used as an extra layer of protection if you suffer a severe injury. You should still research traditional health insurance policies. However, if you break a bone in your body or go through some other type of catastrophe, accident insurance will cover you through the healing process.

Pro America Insurance Will Help You Plan For The Future

Visit our website today to learn more information about accident insurance.

Boat insurance is important to have for boat owners in Naples, FL. If you are a boat owner, we can help you find the right insurance solution at Pro America Insurance.

The following are three of the biggest mistakes you could make when you purchase boat insurance. Avoiding these mistakes is essential for protecting yourself financially.

Thinking home insurance will cover your boat

Home insurance is not meant to be used as your sole source of boat coverage. While home insurance coverage might cover damage to your boat while it’s on your property, it’s not going to cover anything when your boat is off your property.

Most likely, you bought your boat to use it off your property. That’s why investing in boat insurance coverage is so important. 

Picking a deductible amount that’s too high

The amount of your deductible is one of the most important considerations when it comes to your insurance policy.

A deductible amount that’s too high could create financial problems for you if you end up needing to file a claim. That’s why it’s important to choose a deductible amount that you will always be able to pay out of pocket. 

Canceling your policy during the offseason

Boat owners are often tempted to cancel their policy during the offseason to save money. However, this is never a good idea. Your boat could become damaged while it’s in storage. If you cancel your policy, you won’t be compensated for the damage that occurs while your boat is in storage during the offseason. 

Contact us today to learn more about boat insurance in Naples, FL. At Pro America Insurance, we can help you find the right boat insurance policy. 

The Naples, FL area is always widely considered to be a great place to live in or visit. When you are here, there is warm weather for most of the year, which can also make it a great place to own a motorcycle. If you are looking to get a motorcycle here, you should ensure that you get into a quality insurance policy as it will provide you with several forms of insurance coverage. 

Coverage for Liability Risk

One form of coverage that comes with a standard motorcycle insurance policy is coverage for liability. Even if you are a very reliable and careful motorcycle rider, there is going to be a chance that you could cause an accident. If this occurs, you will have to pay for any damages that are caused. When you get a motorcycle insurance policy, you will receive coverage that will give protection if you are at fault for an accident that causes damages.

Coverage for Asset

Another reason that people should get an insurance policy for their motorcycle is that they will get coverage for their assets. A motorcycle can be a very big purchase that you will want to protect as well as possible. If you invest in a full policy that offers collision and comprehensive coverage, it can ensure you and your motorcycle are covered for a wide range of issues that could result in a loss including theft or accident damage. 

If you are going to get a motorcycle in the Naples, FL area, it is a good idea to speak with the team at Pro America Insurance to discuss your insurance needs. When you call Pro America Insurance you will get a lot of guidance and support. This will ensure you and your motorcycle remain properly covered and protected at all times. 

Life insurance offers several benefits depending on the type of insurance that you purchase. The main reason for purchasing life insurance is the death benefit. It benefits your loved ones if you are taken from them. Life insurance does offer more than that however, it offers cash value that can be borrowed against. If you are someone who has trouble saving, it can get you off to a good start. At  Pro America Insurance in Naples, FL, we are locally owned and operated and have been in business for 35 years. 

Whole Life

Whole life insurance is insurance that stays with you for your whole life, it doesn’t end. It has some advantages especially when it is purchased young. First, it will never go up in price, that’s right it stays the same forever. Second, it earns dividends. While it isn’t the best way to save, it is a way to save. Third, you can borrow against your policy and that can come in handy if the need ever arises. 

Term Insurance

Term life insurance lasts for a term, It can be 10 or 20 years. The price is usually a lot lower than whole life but when the term is up you have nothing to show for, you are strictly paying for protection. At the end of the term, you may be able to extend the policy but not at the same price. 

Life insurance needs are something that changes over the years. You may end up not just buying one type of insurance. Both types may have a place in your long term financial plans. At Pro America Insurance in Naples, FL, we are full-service independent agents and we can offer you policies from top carriers. Stop by our office or give us a call to discuss your life insurance needs. 

Commercial insurance has two main components: workers’ compensation and commercial auto coverage. In Florida, businesses are required to carry at least state-mandated minimum coverage in both types of policies. For those not in the know, workers’ compensation is required for any Florida business that has four or more employees – regardless of whether they are full-time or part-time. Additionally, if your business is in the construction industry then even one employee means that you must have workers’ compensation insurance. In short, this policy helps pay for any medical bills associated with an employee’s workplace injury or illness. Next, any vehicle that is owned by the commercial enterprise must have commercial auto insurance to the tune of $10,000 property damage liability per accident and $10,000 personal injury protection. Although it is not a state requirement, if you require employees to use their personal vehicles for work purposes then be sure to inquire about hired and non-owned auto insurance because the vast majority of personal auto policies exclude business use.

In addition to workers’ compensation and commercial auto coverage, there are additional insurance types that you may want to consider purchasing if they’ll benefit your business. Examples include cyber liability insurance which helps pay for the damages associated with a data breach or cyberattack, professional liability insurance that provides coverage for client lawsuits because of a mistake or omission, and much more. By working with a trusted company like Pro America Insurance in Naples, FL you’ll have access to a plethora of options and a team of professionals that know the insurance industry like the back of their hands. For help in choosing the perfect policy for your business, give us a call today to schedule a no-obligation consultation. 

If you are in the Naples, FL area, it could be a very good idea to invest in a boat. When you have a boat here, you will be able to enjoy access to the ocean and other local waterways. Those that are in the market for a new boat should also consider their boat insurance needs. There are several reasons why getting a boat insurance policy could be a necessity for you.

Required by Local Marinas and Waterways

One of the reasons why getting a boat insurance policy could be a necessity for you is because it could be a requirement of local marinas and waterways. Whenever you operate a boat, there is a chance that you could cause an accident. Local marinas and waterways will want you to have insurance coverage to ensure you can pay for damages caused in an accident.

Required by Lenders

Another reason why you may need to have a boat insurance policy is that your lenders are requiring it. If you have decided to finance your boat with a loan, the lender will very likely have insurance requirements that you need to meet. This will include having a full insurance policy that will provide coverage for a variety of different situations that could result in a loss for you. 

As you are shopping for a boat insurance policy in the Naples, FL area, it is very important that you consider all of your insurance needs. The team at Pro America Insurance can help you to get into a policy that provides the right type and level of coverage. When you work with Pro America Insurance, they will be able to assess your individual situation and needs and then explain your options to ensure you get a policy that protects your boat and offers peace of mind. 

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.

• Poorly calculated turns

• blind spots 

• rollovers

• overloading or poorly balanced loads

• Runaway trailers 

• poor estimations from inexperienced drivers

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.