Let’s Get Hitched: Does My Motor Home Insurance Cover The Vehicles That Are Hitched To My Motor Home?

To answer the titular question accurately it is imperative that you speak with an insurance agent. Your motor vehicle is not automatically insured while it is hitched to your motor home. An agent can add certain circumstances of liability to your recreational vehicle policy as it concerns your motor vehicle. Your concerns about what may happen to your car as you travel with it hitched to your motor home comes into play. Consider the value of the motor vehicle, what level of auto insurance is currently on the motor vehicle through your separate auto insurance policy and to what extent will be you be hitching your vehicle to your motor home (is this a cross-country trip, are you planning to travel locally with your vehicle attached to your motor home on a frequent basis?). Think your plans through thoroughly with your family.    

Enjoying the beautiful weather of Fort Lauderdale FL is always more scenic in a motor home. Our name – Coastal Wealth Insurance LLC is our statement of pride in the region we serve. Fort Lauderdale, FL is a treasure trove of beauty for everyone and especially those who love the outdoors. We are wealthy indeed with the lushness of this area and also with knowledge about the products we serve our customers with. Come in today to further explore what your insurance needs are and how we can best meet them satisfactorily. Coastal Wealth Insurance LLC is located at 2400 E. Commercial Blvd. 11th Floor Fort Lauderdale, FL 33308. Our telephone number for direct contact is 954-331-5046. We also provide insurance products for the following parts of your life:

  • auto
  • home
  • commercial
  • flood
  • condo
  • umbrella
  • classic car
  • renters
  • boat / watercraft 

  

Dealing With Ice Damage Using Home Insurance

Though Fort Lauderdale, FL doesn’t typically get very cold winter weather, ice storms do happen from time to time. When this happens, your home will be affected in a multitude of ways. So please let us at Coastal Wealth Insurance LLC help you better understand your coverage options.

Some Types of Ice Damage are Not Covered

Though home insurance typically covers many issues, there are some instances of ice damage that it may not cover. For example, Florida homeowners who don’t properly manage an ice dam on their roof may find their policy unwilling to pay.

Simply put, these issues are classified as negligence by the insurance company. This fact is true even though Florida homeowners may have never experienced an ice dam in their lives. Thankfully, not all ice damage is negated by the negligence rule.

What Ice Damage is Covered

Though some types of ice damage are not covered by home insurance, many are covered. For example, a surprise ice storm in the middle of an otherwise mild Florida winter could cause a multitude of problems, including damage to electrical lines, issues with siding, and much more.

In fact, homeowners in Florida may need this type of coverage more than they think because they likely don’t have the skill and knowledge necessary to prevent this kind of damage. And negligence – an issue that can plague many claims for ice damage – could negate your claim and make your repair bill even bigger.

Find Protection for Your Home

So if you are worried about occasional ice damage unexpectedly affecting your Fort Lauderdale, FL home, please contact us at Coastal Wealth Insurance LLC to learn more about your home insurance options. Our experts will work hard to ensure that you get the policy that you need.

How to Avoid Overpaying on Auto Insurance Costs

If the rising cost of auto insurance is troubling you, take heart. There are ways to avoid overpaying for your coverage. The following tips can help you get quality auto insurance coverage at a cost you can afford.

Shop Around

Insurance is a competitive business which gives consumers an advantage in finding affordable prices. By shopping around, you can get a good idea of what auto insurance companies in the Ft. Lauderdale area has to offer. Compare services, coverage, and prices to see what deals you can come up with. Your goal should be to get quality coverage a good price.

Customize Policy

Customizing your auto insurance policy lets you choose the essential coverage you need without paying for fluff. This helps reduce insurance costs. When customizing a policy, make sure you have adequate coverage to protect you and your vehicle.  Compromising coverage for price defeats the purpose of getting insurance at all.  

Look for Discounts

See if you qualify for a discount on your policy. If you’re a senior, student, active military or safe driver, you may qualify for reduced rates on your insurance coverage. You may also be eligible for reduced insurance rates if you’re retired, have passed a driver’s ed course, have a good credit rating or drive a vehicle with multiple safety features. At Coastal Wealth Insurance LLC, we can help you determine what discounts you’re eligible for so you can take advantage of these offers. 

Bundle Policies

Bundling two auto insurance policies together can help save you money on your insurance. If you own a home in Fort Lauderdale, FL, you can bundle your home and auto to get reduced insurance prices.

To learn more about auto insurance options at affordable prices, contact Coastal Wealth Insurance LLC in Fort Lauderdale, FL.   

Ways to Make Your Property Safer

Your homeowner’s insurance policy is designed to protect your financial interests. This includes accidental injury that occurs on your Fort Lauderdale, FL property. However, there are some simple ways for you to reduce the likelihood of injuries and accidents on your residential property. Use these tips from Coastal Wealth Insurance LLC to keep your visitors and family members safe when they’re at your home.

  • Childproof your home. Even if you don’t have children, things like outlet covers, cabinet locks, and security devices for corded blinds reduce the chance of visitors of all ages from inadvertently hurting themselves.
  • Do periodic visual inspections of the grounds surrounding your home. Note damages like cracked pavement, deep holes or gouges in the landscaping, or building materials that appear warped. Make a plan to repair these items.
  • Install solar lighting around your driveway and walking paths. This will ensure that visitors can clearly see each step as they move around your property at night. Using solar lights is a great way to increase security without too much of an investment.
  • Keep pools, spas, and jacuzzis covered whenever they aren’t in use to prevent accidental drownings. If you’re using the feature as part of your entertainment activities, designate a responsible adult as a lifeguard throughout the event.
  • Don’t let your shrubbery and decorative plants cover walking paths. These can be a slipping hazard. Make sure to trim back your foliage to give visitors ample right-of-way through your yard.
  • Install radon and carbon monoxide detectors to reduce the amount of potentially harmful particles in the air.
  • Close off rooms that contain dangerous materials and equipment. You may need to temporarily relocate some items to keep them out of the way of curious visitors.
  • Install security cameras throughout the property. These don’t actually stop accidents from happening. However, if an accident does occur, a camera can provide vital evidence that can positively impact any possible court cases.

Coastal Wealth Insurance LLC carries homeowner’s insurance policies for residents in the Fort Lauderdale, FL area. Let us know how we can help you protect your most important asset.

How many commercial insurance policies does a small business need?

You need to start protecting your small business before the first time you open your doors. But it is important to have enough protection without getting unnecessary coverage that will cost your company extra money.

At Coastal Wealth Insurance LLC, we regularly assist small business owners in Fort Lauderdale, FL who want to be able to spend their days on important work. They know that if there is an accident or another unfortunate event, they don’t need to worry.

Minimal Coverage

Every business needs at least General Liability and Property Insurance. The property insurance will cover the physical building and the items contained within and may be either for a property owner or renter, depending on the situation. Liability insurance will protect your business in case of an accident, like if someone falls while on the premises.

This basic coverage can usually be combined to save money, in a Business Owner’s Policy. You may be able to save money by having all your insurance through one provider, too.

Other Kinds of Coverage You May Need

Professional Liability insurance will cover mistakes caused by errors or omissions in your services or products. A Commercial Auto Insurance policy may be necessary if you use vehicles for work purposes.

You may need Workers’ Compensation Insurance if you have employees so that they will be taken care of if they become ill or injured while in your employ. To ensure that you have protection if your business is ever temporarily shut down, you can obtain a Business Income Insurance policy.

If you are unsure about how much insurance you need, call Coastal Wealth Insurance LLC and let us know what your Fort Lauderdale, FL needs. We can help find the coverage that best meets your needs.

Don’t Forget to Update Your Homeowner’s Policy After Updating Your Kitchen

Homeownership, whether it be your primary residence or a vacation property, is a great source of pride for many Americans, especially those residing in the South Florida area. An important part of maintaining one’s home is making sure that it is updated on a regular basis especially in reference to the kitchen. As we all know, the kitchen is often referred to as the heart of the home, and it is typically where guests gather when you are entertaining. Kitchen renovations are no small task, and the need for increased insurance can often get lost in the bustle of working with contractors and suppliers. Coastal Wealth Insurance LLC is here to provide the necessary guidance to keep your home insurance policy in line with the upgrades and improvements that you add to your home in the greater Fort Lauderdale, FL area.

Kitchen Upgrades Require Coverage Too

If you are like most people, you simply renew your homeowner policy each year as it comes due. In many cases, this practice is not an issue, but if you have conducted a major renovation to your home, such as a kitchen update, your coverage may now be insufficient. Don’t let a fire or other damage be the way that you find out your coverage level is woefully inadequate! Following any major update or renovation, it is imperative that a full review of your home insurance policies occur, and your professional agent can advise you on the expanded coverage that may be necessary.

If you have recently updated your kitchen or are planning a major renovation in the near future in the greater Fort Lauderdale, FL area, contact the team at Coastal Wealth Insurance LLC to discuss the necessary changes for your home insurance policy.

Auto Insurance for Multiple Vehicles

You can’t drive legally in the state of Florida without car insurance. The no-fault auto insurance law in the state requires all registrants or owners of automobiles with four wheels or more to carry a minimum property damage liability as well as Personal Injury Protection to operate a motor vehicle in the state. Therefore, make sure that you’ve met auto insurance requirements before you hit the road in the Sunshine State.

Coastal Wealth Insurance LLC, based in Fort Lauderdale, FL can help you stay insured as you drive around the state. But, what if you have more than one vehicle to insure? Well, you know how you can just add a driver to your auto insurance policy to ensure that he/she is covered every time he/she gets behind the wheel of your car? You can add a car or multiple cars to an existing auto insurance policy in a similar manner. It’s pretty easy to add a vehicle to an existing auto insurance policy as long as it is registered under the same name.

Adding a New Vehicle to your Policy

Adding a new vehicle to your existing car insurance policy is a simple process. All you have to do is notify the insurance provider and they’ll add the vehicle or vehicles to your policy. Therefore, you don’t have to ensure your new car separately every time you purchase a new one – you can keep using the same policy as long as you notify the insurance company in good time so that they can do the necessary adjustments.

It similar to bundling your policies, but just for your vehicles. You can get all the coverage you need for your cars. You can even drop some coverages on the older cars, such as collision and comprehensive coverage, and add them for your new car. If you are looking to ensure multiple vehicles in Fort Lauderdale, FL, Coastal Wealth Insurance LLC can help you out. Call us for more information.

Commercial Insurance for Small Businesses

When starting a new small business or deciding if the insurance protection for the business is adequate, there are quite a few considerations about the different types of commercial insurance for a business owner to think about. Work with your agent at Coastal Wealth Insurance LLC, serving Fort Lauderdale, FL, and the surrounding area to get guidance about commercial insurance coverage.

Workers’ compensation insurance is a state-mandated program that covers workers for on-the-job injuries or death. In the state of Florida, all businesses in construction, with one or more employees, need workers’ compensations insurance. For non-construction businesses, the requirement for workers’ compensation insurance is four or more employees. For the farming business, it is six or more full-time employees or 12 or more temporary agricultural workers.

Small professional services businesses such as hair salons, accountants, lawyers, doctors, dentists and so forth need to have professional liability insurance. Manufacturers that make products, and the wholesalers or retailers that sell them, need product liability insurance. Any company that uses vehicles for commercial purposes needs to have commercial vehicle insurance.

Most businesses need property & casualty insurance to protect property, inventory, and equipment. Even home-based businesses need commercial insurance, especially if there are clients/customers that visit the home. Other things to consider are business interruption insurance that covers catastrophic events that stop the business from operating and umbrella insurance protection. Umbrella insurance may extend commercial insurance policy limits and may offer protection for things not covered by other policies such as libel and slander lawsuits.

Another contemporary commercial insurance category that most businesses now need is cyber security insurance. Retailers that process credit cards, online sales companies, and businesses that handle digital records of customers’ personal information are especially vulnerable to damage from cyber attacks.

Make an appointment with your agent at Coastal Wealth Insurance LLC in Fort Lauderdale, FL to discuss all your commercial insurance needs and make sure your coverage is adequate.

Auto Insurance Laws in Florida

Florida’s roads are filled with various types of drivers. In fact, the state trails behind only California and Texas (as of a 2016 report) when it comes to total number of licensed drivers, and this isn’t even considering the fact that Florida also happens to host large quantities of driving tourists from other states every year. It is, therefore, highly important for every Florida driver to have proper auto insurance, but what exactly does the law say? If you live in the Tampa, FL area, the experts at Coastal Wealth Insurance, LLC are here to help. Here’s what you need to know about state insurance laws:

State Requirements

All drivers must display proof of auto insurance (in the state of Florida) when registering their vehicle at the Florida Department of Motor Vehicles. The minimum requirements are $10,000 in coverage for Property Damage Liability (also known as PDL coverage) and $10,000 in coverage for Personal Injury Protection (PIP). Now, it is also important to realize the Florida DMV may also ask you to show proof of additional auto insurance coverage, such as that for Body Injury Liability (BIL) if your driving record shows you have already committed certain offenses. 

Getting Protected

Making sure you have the right auto insurance coverage can certainly seem like an intimidating process, but the experienced staff at Coastal Wealth Insurance, LLC are here to make everything go smoothly. Serving the Tampa, FL area and beyond, our experts will make sure your policy meets all state requirements and fits your specific needs. In addition to the required coverages mentioned above, we can also help you get further protection with collision, comprehensive, and uninsured motorist coverage add-ons (for those who are interested). After all, nobody can predict exactly what will happen with so many drivers on the road. But if you have a good insurance policy, there’s no need to worry. 

Why You Need to Insure Your Home During Hurricane Season

Hurricane season is upon us here in Florida. Houses face the risk of severe damage each year once a hurricane hits land. Though families may prepare for the storm, there is almost no guarantee it can withstand the mighty force of mother nature. Not having insurance for your home is taking a gamble you can’t afford to spend.

Fortunately, we here at Coastal Wealth Insurance, LLC in Fort Lauderdale, FL have some information you should use this coming hurricane season. The last thing you want to do is not be prepared for what’s brewing out in the ocean right now. Let’s look at some statistics on hurricane seasons in Florida and why you should get home insurance.

2018 Hurricane Season

As we speak, there are currently 8 hurricanes that are predicted to hit landfall with a category-3 strength or higher this season. That means that there is a high probability that your property will take some damage amidst the storm. Property damage from hurricanes can rise into the hundred thousand range. Getting home insurance should be mandatory to protect your assets. With this threat looming in the Atlantic Ocean, you want to make sure you are prepared for the worst. A flood insurance policy is also something to look into as well for the aftermath.

Get the Home Insurance You Need

Coastal Wealth Insurance, LLC proudly serves the Fort Lauderdale, FL area. We are here for all your home insurance needs. The last thing you want to do this season is get caught in the storm unprepared. Don’t wait until the hurricane is knocking on your door, get home insurance ahead of time. Our professional staff is ready to assist you at your convenience so you can protect what’s most important, home.