If you’re unfamiliar with condo insurance, you’re certainly not alone. As the name implies, it is a type of insurance designed specifically for people who own condominiums. It can help protect your belongings, as well as the interior of your property, from things like fire, theft, and even water damage. If you’re currently looking for condo insurance in Naples, FL, consider a policy from us at Pro America Insurance. In the meantime, check out the following facts to understand precisely what condo insurance is and how it works:

What It Covers

• Personal property, including furniture, appliances, electronics, clothing, and more 
• Legal fees and personality injury settlements if someone is injured in your condominium 
• Additional living expenses if your condo becomes uninhabitable and you need to live somewhere else while it is repaired
• The basic structure of the condo, including interior walls, floors, and ceilings (no exterior coverage)

What It Doesn’t Cover

Standard condo insurance does not cover certain things like natural disasters or damage caused by pests. It also doesn’t cover the common areas of the condo complex, like hallways, elevators, roofs, etc. You may need additional coverage for these.

Condo Insurance Vs. HOA Master Policy

The Condo Association typically has a master insurance policy, which covers the exterior of the building, common areas, and sometimes even original fixtures in your unit. However, this policy does not cover personal belongings or any improvements you’ve made to the unit. That’s where your personal condo insurance comes in.

The Cost of Condo Insurance

The cost of condo insurance depends on various factors, including the value of your personal property, coverage limits and deductibles, your condo’s location, size, the building’s construction type, and more.

And remember, if you need condo insurance in Naples, FL, contact us at Pro America Insurance today!

Motorhomes are a home away from home. They can be the catalyst for countless memories throughout the year. However, there may be times when your motorhome stays parked and vacant for extended periods. When this happens, it’s common for owners to wonder if they even need to continue paying for insurance on their motorhome. After all, you aren’t using it, so why do you need coverage?

Unfortunately, it’s just not that simple. The team at Pro America Insurance is here to tell you about just a few of the reasons why you need motorhome insurance year-round.

You Might Be Required To Maintain Insurance

If you’re currently making payments on your motorhome, your lender likely requires you to maintain a certain level of coverage throughout the year. Similar to insurance for regular cars and homes, the lender wants to ensure their investment is always protected. Additionally, if you park your motorhome at a storage facility, the facility may require you to provide storage insurance.

There’s No Off Season for Disasters

It’s foolish to assume that it can’t be damaged just because you aren’t out on the open road in your motorhome. Depending on where–and how–you store your motorhome, it may be vulnerable to fires, flooding, storms, vandalism, and more. If your insurance policy lapses, you might find yourself paying for repairs–or even a new motorhome–out of your pocket.

Speak With An Experienced Agent About Motorhome Insurance Today!

Your motorhome is a major investment and should be protected as such. Here at Pro America Insurance, we understand how important your motorhome is to your family and will work with you to find the best coverage for you. Contact our office in Naples, FL today to learn more.

Carrying flood insurance is important. Homeowners shouldn’t underestimate the importance of flood insurance or the frequency with which floods cause expensive damage to homes in Naples, FL. Pro America Insurance is a provider of flood insurance. 

The following are three steps you should go through before you purchase flood insurance. 

Research flood insurance providers in your area

You need to explore your options before you buy a flood insurance policy. It’s vital to research flood insurance providers to determine which company you should get quotes from and eventually buy your policy from. 

You should research information about the policy offerings, customer service quality, and reputations of insurance providers in your area. 

Contact the providers you prefer and get quotes.

Getting quotes from multiple insurance providers is essential. Flood insurance providers will provide you with policy quotes so that you can compare the offers you get. You need to contact insurance providers and give them some details about your property to get a quote. 

Select and purchase a flood insurance policy.

Evaluate the quotes you receive from flood insurance providers in your area. When you evaluate quotes, you should consider the price. You should also consider the coverage options and amounts various insurance providers offer. 

When you make a decision on which policy to purchase, sign up and begin paying premiums. Be sure to factor insurance premium costs into your monthly budget and keep up with all your premium payments. You will usually have the option to pay either monthly or upfront.

Let us help you meet your flood insurance needs. If you’re a homeowner in Naples, FL, you can protect your home against flood damage with our assistance at Pro America Insurance. Contact us today for a policy quote. 

Boat owners aren’t required to carry boat insurance in most states. Boat insurance is only legally required in Arkansas and Utah, not Florida or other states. However, although boat insurance isn’t a legal requirement in most states, it doesn’t mean that it may not be required by other establishments or in different situations. If you are financing your boat, you will need boat insurance. Most lenders require insurance to protect their investment until it’s paid in full. Our team at Pro America Insurance is invested in helping Naples, FL boat owners get the insurance coverage they need to meet the needs of where, when, and how they use their boats. 

What is Boat Insurance?

Boat insurance provides coverage and protection for your boat or watercraft. This coverage and protection can include liability protection and coverage for repairing or replacing your boat. The liability coverage protects if you damage another boat or property or cause personal injuries while boating. Your protection applies regardless of whether your boat is on water or land and even covers theft and your personal injuries while boating if you purchase a policy that includes personal injury coverage. 

Do I need boat insurance to dock at a marina?

Although not every marina requires boaters to carry liability insurance, many do. Liability coverage insures that other boaters will be covered if you cause an accident or property damage. Liability coverage would cover damage to other people’s property and damage to the marina itself. Liability coverage covers accidents that may happen in transit as well as accidents on the water. If you have questions regarding the coverage that boat insurance provides and any other benefits, call us. We’d be happy to help you explore your options. 

At Pro America Insurance in Naples, FL, we get how liberating and enjoyable it can be to take an inter-state trip on the open road on two wheels. Riding a motorcycle through multiple states, you experience a wide range of beautiful scenes and fresh views.

While every state is different, motorcycle insurance is still a good thing to have as a motorcycle owner or rider in Florida, especially on interstate rides.

What is motorcycle insurance?

Motorcycle insurance is a type of insurance policy that covers your two-wheeled vehicle in cases of theft, damage, and liability. While some states do not legally require motorcycle insurance, it is vital to have it because it protects you against the unexpected.

Although you might never have to use it, it’s still helpful in case you get into an accident and either need to replace your motorcycle or cover the costs of the other party’s medical expenses if you are found at fault. As a motorcyclist, it can provide a sense of security.

Do I need motorcycle insurance if I travel from Florida to another state?

Whether riding your motorcycle across state lines or transporting it to your vacation destination, having motorcycle insurance can be especially important for longer distances. Even though Florida does not require motorcyclists to have insurance, the other states where you travel may require it. Also, if your motorcycle gets stolen or damaged during the trip, you will want that coverage for peace of mind.

Whether you are traveling far away or staying in the Naples, FL region, our team at Pro America Insurance is here to help, so give us a call today!

Accident insurance is helpful in many different ways. Accident insurance can help pay for medical expenses due to any accident. Although health insurance might seem similar to accident insurance, it has some key differences. Accident insurance is paid directly to you rather than the hospital or medical center. You can even use it to take care of your copay, deductible, and other medical expenses that would otherwise be out of pocket as long as it is related to the accident. We are going to talk about the different types of accident coverage that are available.

Types of accident insurance

Car accident insurance

Car accident insurance covers you and your passengers if you get into a car accident. Unlike auto insurance, car accident insurance does not cover damage to the vehicle or liability.

Travel accident insurance

For travel accident insurance to cover your trip, you must have purchased your policy before the trip. Travel accident insurance helps you and your companions in case of accidental injury or death while you are away.

Customizable insurance plans

Some jobs are more hazardous than others jobs. You can customize your accident insurance to your needs. If you have a more risky job, for example, working on power lines, you will have more insurance needs and higher costs than someone with a safer job, such as an office job.

Contact us

Accidents can range from cuts, scrapes, and burns, to major accidents like multiple broken bones, the loss of limbs, or death. If you think you will benefit from accident insurance, don’t hesitate to contact us at Pro America Insurance in Naples, FL.

A storm is a natural event that can affect your boat in several different ways. To help you prepare your boat for a storm, creating and implementing a storm plan is important.

What is a storm?

A storm refers to any large weather event that can cause widespread damage or destruction. Several types of storms include tropical cyclones, hurricanes, blizzards, thunderstorms, and tornadoes. With their strong winds and heavy precipitation, storms can be incredibly dangerous for people who are on boats. That’s why it’s essential to understand how storms work and the best ways to prepare your boat for a storm.

Why should you prepare your boat for a storm?

There are several reasons why it’s important to prepare your boat for a storm. First and foremost, storms can be incredibly dangerous for people who are on boats and can cause property damage, injuries, or even fatalities. Additionally, strong winds and heavy precipitation can make boating difficult by creating choppy waters or severe weather conditions. By preparing your boat for a storm ahead of time, you’ll reduce the risk of injury or property damage during this natural event.

How can you prepare your boat for a storm?

There are several different approaches that you can take when preparing your boat for a storm. One of the most important things to do is ensure that all of your safety equipment is up-to-date and in good working order. This includes life jackets, flares, fire extinguishers, and first aid kits. You should also make sure that you have an emergency communication plan and a storm plan for your boat.

For more tips to keep your boat safe, call the Pro America Insurance Agency today. We serve the Naples, FL area.

Naples, FL can be a great place to own a motorcycle. Owning a bike provides a fun and efficient way to drive around and enjoy the nice weather. When you own a motorcycle, you need to know that it is crucial to have insurance. Not having coverage could result in various adverse outcomes. 

Not Able to Replace Motorcycle

If you do not have a motorcycle policy when you are in an accident, you will have to replace the bike out of pocket. A motorcycle can be an expensive and valuable asset. If the bike is stolen or damaged in an accident, a quality insurance plan will offer support to repair or replace it. If you are not insured, you will not get this support. 

Be Responsible for all Damages

Another issue that could arise if you are not covered by motorcycle insurance in Florida is that you could be responsible for any damage you cause to another vehicle or property in an accident. Liability insurance is important because it ensures you have the ability to pay for any damage you cause during a collision. If you do not have this coverage, you will be out of compliance with state law and have to cover all of these costs out of pocket. 

If you are a motorcycle owner in the Naples, FL area, we can help you get the right insurance. Start by giving the team with Pro America Insurance a call. There are various choices to make when looking for coverage, and Pro America Insurance will offer you the support you need to build your ideal insurance plan.