Basic Facts To Remember While Researching Home Insurance

Jet Stream Insurance Group LLC serves the Miami Lakes, FL community. We offer our clients multiple policies to help them protect what matters most. Our first-class customer service is vital to us. We have positive relationships with several carriers throughout Florida to help ensure that you find a policy that suits your individual needs.

Basic Home Insurance Facts

Home insurance offers protection against different risks. The policy covers any property damage, as well as your personal items inside your home. Here are some basic facts to remember while you research home insurance for your Miami Lakes, FL property.

Understanding Your Liability Coverage

Liability coverage is a significant part of your home insurance policy. You are covered if you invite guests over and someone gets injured. Liability coverage also protects you if you cause damage to someone else’s property. You are covered if you are working on a landscaping project, and you cut down a tree that lands on your neighbor’s property.

Personal Items

Your personal items are covered if someone breaks into your home and steals or vandalizes your possessions. However, you will have to amend your policy if you have any luxury items inside your home, such as jewelry or fur. That is the only way to ensure that these special items are fully covered.

Maintenance Matters

Even though you have home insurance, it’s important that you take care of your property. If your property suffers erosion due to poor maintenance, you will not be covered for those damages.

Emergency Repairs

If your home needs emergency repairs, you can add temporary lodging coverage to your policy so that you will be covered as you find another place to stay until your home is repaired.

Jet Stream Insurance Group LLC Will Help You Protect What Matters Most

Visit our website to learn more information about home insurance. 

Recreational Insurance for Beginners

Recreational vehicles are very popular in the United States. Over 11 million households are spending at least three weeks in an RV every year. However, an RV is not a cheap investment. Owning one will cost upwards of $50,000. On top of the cost of purchase, there are maintenance requirements that will cost even more. 

If you spend such large amounts of money, you must take the necessary measures to protect your RV from damage, theft, and other risks. In Florida, the law mandates RV owners to have specific coverages when on the road. However, these coverages might not be enough to protect your investment fully. That’s why you need adequate coverage for your valuables. 

To help you get the right coverage for your RV in Miami Lakes, FL, Jet Stream Insurance Group LLC provides you with all the information you need to make the right decision. 

What Does Recreational Insurance cover?

RV owners, just like other car owners, encounter all manner of unexpected situations on the road. With that in mind, it becomes necessary to pursue the coverage options you have.

Recreational vehicle insurance will cover similar risks as auto insurance does. Expect comprehensive, liability, and collision. You can also get additional coverage for personal items and equipment on board. Depending on your policy, recreational insurance can cover emergency expenses, total loss replacement, towing, and uninsured/underinsured. 

How Does Recreational Vehicle Insurance Work?

RV insurance is meant to prevent the vehicle owner from incurring out-of-pocket expenses in the event of loss or an accident where they’re at fault. This coverage will offer compensation for both property damage and bodily harm. 

Get RV Insurance Today

Are you a new owner of a recreational vehicle in Miami Lakes, FL? You need to explore recreational insurance coverages to protect your worthy investment. Unfortunately, you don’t have the right knowledge to choose the right coverage option. What should you do?

Do not fret! Jet Stream Insurance Group LLC is ready to help you out. Visit our website to get more information about this insurance.

What is not covered under renter’s insurance.

When renting an apartment, you will need renter’s insurance to protect your property in case of damage or theft. It is normal when choosing a policy to look at what it covers, but it is also important to know what it does not cover. Let’s look at the list of events not covered by the renter’s insurance policy set out by the Jet Stream Insurance Group, LLC, serving Miami Lakes, FL.

Two major events that are not covered by the policy are earthquakes and floods. Specific policies need to be purchased to cover those calamities.

If you have pets and they damage anything in your home, it is not covered. However, if your dog chews up your neighbor’s carpet or bites someone inside your home, you will be covered under the personal liability part of the policy.

High-value items like jewelry and electronics often have a coverage limit. Suppose it is too low to replace your most treasured, expensive items. In that case, you may consider buying a policy endorsement to increase the coverage limit in line with these items’ replacement cost.
If you live with a roommate, your policy will not automatically insure their belongings. Ideally, they should have their own policy to cover their possessions; otherwise, they need to be listed under your policy.

Lastly, the act of war or terrorism is not covered by renter’s insurance. If you are worried about a terrorist attack or war striking Miami Lakes, FL, there are add-on policies to cover those events.

Now that you know what is not covered by the renter’s insurance, you can make a better-informed choice when making your purchase. The Jet Stream Insurance Group, LLC consultants can help you choose the appropriate policy cover for your circumstances, so give us a call.

The Things To Consider Before Buying Motorcycle Insurance

Whether you are a lucky motorcycle owner already or you are going to buy one, motorcycle insurance is something you should consider first. If you have never purchased this type of insurance before, it may be challenging to choose the right policy. For this reason, Jet Stream Insurance Group, LLC, serving Doral and Miami Lakes, FL, has prepared a list of things you should consider before purchasing a motorcycle insurance policy: 

  • The type of bike and any modifications. In general, motorcycle insurance is cheaper if a motorcycle does not have any modifications. Moreover, the smaller motor on your motorcycle, the less you will have to pay for the insurance. Therefore, if you do not want to pay a fortune for your motorcycle insurance, you should stick with a basic and old bike with a small motor and no modifications. 
  • How often you use your bike. For example, if you are going to use your bike regularly, you will need to protect it with a full-coverage policy. However, if your motorcycle is a leisure vehicle that you use only occasionally, you do not have to purchase much coverage. It is recommended to talk to an experienced insurance agent who will help you determine how much coverage you need. 
  • The deductible. It is the amount you will have to pay before your insurance kicks in. The higher your deductible, the less you will have to pay for the premium. However, having a high deductible may also be risky if you do not have enough money to pay it if something happens. 

Having motorcycle insurance is important if you are a motorcycle owner and want to protect yourself and your precious possession. If you are currently looking for a proper insurance policy and live in Miami Lakes, FL or any other surrounding town, Jet Stream Insurance Group, LLC will be glad to assist you. All you need to do is give us a call to talk to one of our knowledgeable insurance agents. 

Can Boat Insurance Make You Safer on the Water?

You might think that boat insurance might have little to do with water safety in Miami Lakes, FL. After all, safety is about having the right plan in place in case of an emergency and about taking preventative measures whenever possible. Insurance is just a contract full of legal terms. But there might be a connection that you’re missing here, and Jet Stream Insurance Group, LLC is here to help you understand more about the link between the two. 

The Right Resources 

Boat and watercraft insurance is there to help you take care of any issues quickly. If there’s a minor accident that damages your vessel and you don’t have insurance, you might be inclined to put off having the repairs done. But this is a major mistake that can lead to drastic consequences. Not only can this ruin your boat over time, but it can also lead to a malfunction on the water that puts everyone in danger. For example, if there’s a small hole in the side of the boat above the water, it can enlarge over time to eventually compromise the stability of the whole structure. 

The Right Peace of Mind 

From accident coverage to more liability, having enough protection on a boat makes everyone safer. A good boat insurance policy in Miami Lakes, FL can mean the difference between excellent medical coverage for injuries and no coverage at all. Jet Stream Insurance Group, LLC wants to help you find the terms that will keep you feeling confident when you’re on the water. Whether you go out on your own or you have big parties every weekend, we know how important it is to put safety first. Give us a call today to see what we can do to help you. 

What Umbrella Insurance Can Do for Your Peace of Mind

There are many ways to have peace of mind, and umbrella insurance is one of them. If you’re in the Miami Lakes, FL area, Jet Stream Insurance Group, LLC can help you get the umbrella coverage you need to have the protection you’re looking for. While this kind of policy may not often be needed, there are times when it’s very valuable to have. You’ll want to make sure you have the protection you feel good about, and there can be plenty of reasons why you’d look for an umbrella policy. No matter your reasoning, you can get a quality experience with us and help from our dedicated agents.

Feeling safe and secure in life isn’t always easy, but when you have that security and comfort, you’ll be able to sleep better at night and enjoy more of what Florida has to offer. That’s good news for you and your family, and it all starts with an umbrella insurance policy that’s protecting you and yours from additional or increased risk. You don’t have to settle for lack of coverage or worry that the protection you have isn’t enough when you have us on your side and can get your questions answered.

Because umbrella insurance starts where other policies end, you’ll get an extra layer of coverage to protect you and keep you secure. If you’re in the Miami Lakes, FL area, and need this type of coverage, Jet Stream Insurance Group, LLC can help you get what you’re looking for. We know it’s important to enjoy peace of mind, and we want to make sure we can help provide that so you can feel good about the protection you’re choosing and how you can use it in the future. There’s no reason to have anything less.

What Umbrella Insurance Can Do for Your Peace of Mind

There are many ways to have peace of mind, and umbrella insurance is one of them. If you’re in the Miami Lakes, FL area, Jet Stream Insurance Group, LLC can help you get the umbrella coverage you need to have the protection you’re looking for. While this kind of policy may not often be needed, there are times when it’s very valuable to have. You’ll want to make sure you have the protection you feel good about, and there can be plenty of reasons why you’d look for an umbrella policy. No matter your reasoning, you can get a quality experience with us and help from our dedicated agents.

Feeling safe and secure in life isn’t always easy, but when you have that security and comfort, you’ll be able to sleep better at night and enjoy more of what Florida has to offer. That’s good news for you and your family, and it all starts with an umbrella insurance policy that’s protecting you and yours from additional or increased risk. You don’t have to settle for lack of coverage or worry that the protection you have isn’t enough when you have us on your side and can get your questions answered.

Because umbrella insurance starts where other policies end, you’ll get an extra layer of coverage to protect you and keep you secure. If you’re in the Miami Lakes, FL area, and need this type of coverage, Jet Stream Insurance Group, LLC can help you get what you’re looking for. We know it’s important to enjoy peace of mind, and we want to make sure we can help provide that so you can feel good about the protection you’re choosing and how you can use it in the future. There’s no reason to have anything less.

Who needs to carry flood insurance?

Floods are common occurrences in many places. They cause catastrophic damage to homes and other property. With the threat of various weather events looming over all of the United States, every state has suffered from the devastation that can be caused by flooding. Many people assume that their home, condo, or renters insurance will protect them in the event of a flood, but that is not correct. Floods are excluded from just about every type of insurance. If you live in or near Miami Lakes, FL, Jet Stream Insurance Group, LLC is an independent agency that thinks of its customers as members of the family. We take pride in making sure that we customize your insurance coverage to you and your needs. 

When you live on the coastline, or within storm surge distance of the shore, you know you need to have flood insurance. Hurricanes can cause storm surge that goes a long way from the shore. In some cases, it has gone as far as 30 miles, so if you think you are safe, you may need to rethink that. Along with storm surge, some storms have rainfall that can cause lakes and rivers to rise to unprecedented heights. 

Every spring, snowmelt in the north leads to flooding along rivers and streams in the United States. On a major river like the Mississippi, it can cause damage for 100s of miles as the massive amounts of water head south. In other places, dams have failed and sent water into unsuspecting homes. In other words, talk to your insurance agent about the potential in your area for flooding. 

When you are ready to discuss your flood insurance needs, Jet Stream Insurance Group, LLC in Miami Lakes, FL will be here for you. We invite you to stop by our office or give us a call, and we will provide a free quote and all the additional information you want. 

What is included with condo insurance?

Those that are in the Miami Lakes, FL area are going to have a lot of different housing options. For those that want a nice place, but do not want all of the maintenance and upkeep responsibilities, getting a condo could be a great option. When you do get a condo, you should also get a condo insurance policy, as it will include a variety of different forms of coverage. 

Coverage for Assets

One of the main benefits of getting a condo insurance policy is that you will receive coverage for all of your assets. If there is ever a fire or other form of damage in your condo unit, the condo insurance policy will give you coverage to make repairs. The condo insurance policy will also include some coverage for your personal items if there is ever an incident of theft or other damage.

Coverage for Liability

When you get condo insurance, you will also receive protection for liability. Similar to those that own a single-family home, those that own a condo are going to take on liability risk if they have a guest come over to their home. Fortunately, when you get a condo insurance policy, you can mitigate this risk. A full condo insurance coverage policy is going to include a provision for liability insurance protection.

There are a lot of great reasons to get a condo insurance policy for your condo. When you are looking for a condo insurance policy in the Miami Lakes, FL area, you should call Jet Stream Insurance Group, LLC. When you work with Jet Stream Insurance Group, LLC to discuss your insurance needs, you are going to learn a lot more about your insurance options and get into a policy that gives the right protection.

Three auto insurance liability requirements in the state of Florida

It’s crucial that motorists in Miami Lakes, FL meet their insurance coverage requirements to drive legally. At Jet Stream Insurance Group, LLC, we help motorists find the right insurance policy for their needs.

The following are three auto insurance liability requirements that Florida drivers need to meet.

Florida requires $10,000 in bodily injury coverage for individuals and $20,000 in total bodily injury coverage per accident.

One of the most significant potential expenses in an auto accident is medical bills resulting from bodily injury.

For basic liability insurance in Florida, you need to have an auto insurance policy with at least $10,000 in bodily injury coverage for an individual. For accidents where multiple individuals are injured, you need to have coverage of at least $20,000 in total. 

Florida requires $10,000 in property damage coverage.

You need to carry coverage for possible property damage from an auto accident that you are involved in. You need to carry at least $10,000 in property damage coverage. However, it’s a good idea to carry more than this because a vehicle accident can often result in more than $10,000 of property damage. 

The state of Florida also requires uninsured motorist coverage.

Some states require motorists to have uninsured motorist coverage that kicks in if they are involved in an accident with a motorist who does not have insurance coverage.

The requisite amount of uninsured motorist coverage for Florida auto insurance policies is $10,000 in coverage for damages per individual and $20,000 in coverage for damages per accident. 

Of course, it’s best to have an auto insurance policy in Miami Lakes, FL that does more than meet state liability requirements. At Jet Stream Insurance Group, LLC, we offer insurance policies that meet liability needs in addition to providing options like collision and comprehensive coverage.