What does home insurance cover in the instance of a hurricane?

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.

Can Insurance Protect Your Vehicle from Storm Damage?

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. 

When to Know if You Need Flood Insurance

Unless you live in an area that is prone to flooding, you likely do not think about getting flood insurance. However, just because you are not in an area that floods often does not mean that you should not have it in place. There are a lot of ways that a flood can happen in or near your home so you want to make sure you are always covered. this is especially true in Naples, FL, served by Pro America Insurance. These are just some of the reasons why you should consider getting flood insurance. 

  • Your home insurance may not cover it. More often than not, home insurance policies do not have flood insurance included with it. This is something that you need to purchase separately. It is worth taking a look at to know you are covered. 
  • If you or your neighbors have an above ground pool, a flood can happen at any time. If the pool were to break and the water all came out, it may just end up in your home and having damaged all of your belongings. 
  • If your pipes burst, you could have a flood inside your home. While this tends to happen more in the winter months, it can still happen and it can quickly cause a flood inside your home and a ton of damage. This can even happen if a bathtub or sink is left with running water. 

As you can see, getting flood insurance is always a good idea. If you are interested in learning more about your options and getting a free quote, be sure to reach out to us here at Pro America Insurance, serving Naples, FL. We will work with you to find the perfect flood insurance policy so you are protected. 

What to do when your home is going to flood

As anyone knows, Florida is a prime target for hurricanes. With hurricanes and sometimes other sorts of storms, flooding can come. Pro America Insurance serving Naples, FL has a few suggestions about what to do if you think your home is going to flood.

You should try to take your valuable possessions on the second floor of your home if you have one. If you have a one-story home, elevate your possessions off the floor as high as possible. The items you move to higher locations could include your furniture, but certainly any electronics you might have such as televisions or desktop computers, as well as clothing and other items that might get ruined by prolonged immersion in water.

If the storm is judged to be severe enough to cause home flooding, government authorities will likely ask you to evacuate. Do not ignore such instructions. If you have to leave your home, have a “go bag” that will include important documents, family photos, laptop computers and the hard drive out of your desktop. You should be aware of your evacuation route and have an idea of where you are going to end up. Remember, hotels and motels in a safe zone are likely to be booked by the time you get there. You might wind up in a shelter until you are allowed to return to your home.

It should go without saying that you need to carry flood insurance. Damage from flooding is not covered by your ordinary home insurance and has to be bought separately.

For any questions about flooding or flood insurance or to purchase a policy, contact Pro America Insurance serving Naples, FL.

How to Get the Right Amount of Condo Insurance

When it comes to ensuring your home, whether it is a single family home or a condo, you want to make sure that you get the right amount of coverage so that you always know you and your biggest investment are protected no matter what. The last thing you want to do is get the wrong amount of coverage only to find out after it is too late. Here at Pro America Insurance, serving Naples, FL, we want to make sure that never happens to you. Use these tips to ensure you always have the right amount of condo insurance for your condo.

  • Get coverage equal to the value of your condo. The value of your home may not be the same amount that you paid for it. You want to make sure that you have coverage for the value so that you are not missing out on anything that could cause a problem later.
  • Reevaluate the value. Value changes over time and since it is not the amount that you paid for it, you should make sure that you have the right value every few years. You can do this by taking a look at the market or even updating the value when you do upgrades in your unit.

Now that you know how to determine the right amount of condo insurance for your condo, it is time to make sure that you actually have the right amount of coverage. Here at Pro America Insurance, serving Naples, FL, we can help you ensure that you have the right amount of coverage. We can also get a free quote for you to ensure that you are not paying too much for your coverage. Contact us today to get started and get your free quote.

Life insurance: Can it pay out to a minor?

When talking with Pro America Insurance to set up a life policy, there are some things you should know about paying out to a minor. Technically, this is legal. But it’s not advisable. In Naples, FL and pretty much everywhere else in the US, the minor will be the legal beneficiary, but they won’t be given the money until they come of age.

This means that the money will be held either by their guardian or in lieu of direction, a hired legal professional who will manage the money until they are of age, which can get very expensive. Both of these options might seem less than preferable, especially since the child’s legal guardian can do whatever they like with the money in the meantime.

The best option for paying out to a minor is to instead payout to a trusted adult with the instructions that they are to hold onto this money for the juvenile beneficiary. This needs to be an adult that you would trust with your life because there is no way of legally guaranteeing that they will uphold their end of the deal. You can have them sign a contract, but since the policy won’t pay out until you’ve passed, there might not be anyone around who is interested in enforcing the contract.

If you have the utmost faith in the child’s parents, then there’s nothing to worry about. But if you have any doubts, and you want to make sure that your grandson or niece or goddaughter has a little something to put towards college, name your trusted adult when you call Pro America Insurance.

What happens if I have a fire or burglary and I don’t have an inventory?

Being a victim of a burglary or fire is incredibly frightening and stressful. Unfortunately, before you have time to catch your breath you will find yourself trying to make up your losses. One of your most important tasks if your home in Naples, FL suffers a major loss is filing an insurance claim.

Pro America Insurance advises every customer of the importance of making an inventory. You can make a list of all your important valuables, including appliances and jewelry, and even save receipts. Then keep all of your paperwork somewhere separate and safe so that you can get to it when you need to. You can even use your smartphone to take pictures.

If you didn’t make an inventory, or if your list was lost or destroyed, filing a claim will not be as simple, and will definitely not be as fast. There are a few things you could do to try to speed it up.

You could simply try to create the list from memory. This is not an easy process, and you are bound to leave things out. It is also possible you may overestimate the value of some of your items, such as appliances which were older than you remembered.

Get a copy of your policy and carefully go over the limits. You may be underinsured because there are limits on some kinds of valuables, like jewelry.

If a disaster strikes your home in Naples, FL, don’t panic. Call your insurance company immediately to let them know what happened, and get any advice on what to do next. Don’t worry about rushing into a settlement, because you want to get what you deserve on your claim. If you have any questions or would like to talk about obtaining a homeowners policy, contact Pro America Insurance today.

Why Your Naples, FL Transportation-related Business Needs Commercial Auto Insurance from Pro America Insurance

If you own a transportation-based business, such as trucking, delivery or any business requiring CDL operators, then you need specific coverage that neither you nor your employees can get as part of a regular auto insurance policy. Compared to personal vehicle insurance, you have better coverage with a commercial auto policy. Choose the policies that pertain to your business, and feel free to reach out to your Pro America Insurance agent with any questions you might have.

What Types Of Vehicles Require Commercial Insurance?

The type of coverage you need depends on what vehicles you need to ensure. Your commercial auto insurance policy should include truck and cargo insurance for the trucking industry, for example. If you are a contractor or own a contracting company, you need to include coverage for the pickups and vans in your service fleet. Builders should include their large equipment, such as dump trucks. Be sure to include liability insurance for any leased vehicles, although the company you are renting from probably requires that as a condition of the lease.

Whether you employ truck drivers, tow truck drivers, couriers or food delivery guys, you should consider getting commercial auto insurance to protect your business.

Types of Commercial Auto Coverage

The types of policies are similar to your personal auto insurance but typically have higher coverage limits.

Liability Coverage. This coverage pays for property damages and bodily injury due to the use of vehicles owned by the business.

Uninsured Motorists Coverage. This protects your business vehicles from damages caused by an uninsured motorist.

Underinsured Motorists Coverage. This protects your business vehicles from damages caused by a driver with insufficient liability insurance.

Physical Damage Coverage. Protects vehicles owned by the business against accidental damage or loss. This includes collision and comprehensive coverage, as well as specified causes of a loss defined in your policy. This may include theft, hail, flood, fire, vandalism, windstorm and other coverage related your industry.

Federal Requirements Impacting Your Commercial Auto Insurance

Federal law has specific commercial auto insurance requirements for transportation-related businesses. The coverage required varies depending on whether you transport people or good across the state line. It also depends on what you’re transporting. Ask your insurance agent about how the laws apply to your insurance requirements.

Contact Us

Contact Pro America Insurance today to find out the best commercial auto insurance options for your business in Naples, FL, or make an appointment to get a quote.

4 Reasons Why You Need Boat Insurance

If you spend any time in Naples, FL, it’s pretty obvious the residents here love their boats. In fact, boating is the preferred activity of homegrown Floridians and eager visitors all year round! It makes sense that Pro America Insurance customers often turn to us to protect their boats and boating accessories to keep them on the water longer.

While boat insurance is not a legal requirement in Florida, it’s an important investment to make. Boating insurance can cover the cost of boating damages, including:

Injury – Boat insurance typically covers injuries inflicted during the operation of your boat. This coverage extends from passengers on your own boat as well as anyone injured on another vessel or in the water during an accident. 

Property Damage – If your boat inflicts damage to another person’s vessel, or upon docks or other marine equipment, your boating insurance could cover the cost of that damage. Furthermore, insurance can cover the damages to your boat during an accident, often providing funds to repair or replace the vessel.

Vandalism and Theft – Regardless of where you store your boat, it can unfortunately become the target of criminals. A boating insurance policy can help cover the cost of restoration in case of vandalism, or provide coverage for legal proceedings and vessel replacement after an act of theft.

Personal Property – If you carry a  lot of accessories, such as fishing gear, a boating policy could protect those items as well incase they are damaged or stolen. Coverage could also be extended to your trailer and other equipment you use to take the boat in and out of the water.

If you live in the Naples, FL area and want to discover more about boating insurance, please reach out to Pro America Insurance today!

Essential Motorcycle Coverage for New Riders

Your dream of owning a motorcycle has finally come to pass and you’re anxious to hit the road. Before taking that dream bike out for a spin, however, you’ll need insurance protection. Our agents at Pro America Insurance, Naples, FL, can help you obtain the essential coverage you need. As a new rider, you can benefit from all of the following options:

Liability Insurance

New, inexperienced motorcycle riders are at greater risk of causing accidents on the road. Liability insurance covers the cost of injuries and property damage to others in an accident you cause. If you hit a pedestrian or cause an accident that injures other drivers, liability coverage will help cover the cost of their medical expenses and vehicle repairs so you won’t be held responsible for these costs.

Collision & Comprehensive Insurance

To protect your own bike, consider collision and/or comprehensive coverage. Collision insurance pays for damages to your motorcycle if you collide with another vehicle, animal or object. Comprehensive protects your motorcycle against theft and damage caused by fire, vandalism or inclement weather. Although this coverage isn’t mandatory, it could come in handy to help you repair or replace your bike in the event of an accident.

Medical Payments Insurance

Medical payments insurance covers your medical expenses in an accident. Motorcycle riders run a great risk of getting injured in road accidents due to being exposed to outside elements. If you or a passenger on your bike are injured in a crash, this coverage can help pay for the medical treatment you need to recover.

At Pro America Insurance, we recognize the importance of adequate insurance protection for new motorcycle riders. Whether you’re riding around Naples, FL or taking a motorcycle tour of neighboring states, we can put together an insurance package that offers you the protection you need.