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.

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.

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.