Understanding Motorcycle Insurance Coverage Types

Motorcycle insurance refers to a specific type of coverage designed to offer financial protection for motorcycle owners and riders should they be involved in an accident, theft, or another covered incident involving their motorcycle. For additional information regarding motorcycle insurance for riders in and around Miami Lakes, FL, contact Jet Stream Insurance Group LLC today.

Understanding Motorcycle Insurance Coverage

Similar to car insurance, motorcycle insurance provides coverage for various risks and liabilities that can happen when operating or owning a motorcycle.

Liability Coverage

Liability coverage is typically mandatory. It offers coverage for another’s bodily injury and property damage if you’re at fault in a motorcycle accident.

Collision Coverage

Collision coverage reimburses insured individuals for motorcycle repairs, independent of who is at fault.

Comprehensive Coverage

Comprehensive coverage offers financial protection (for repairs/replacement) when and if the motorcycle is damaged from a non-collision incident which may include –

  • Theft
  • Vandalism
  • Fire
  • Natural Disasters
  • Falling Objects, to name a few.

Uninsured/Underinsured Motorist Coverage

If involved in an accident with an underinsured driver or without insurance, this covers lost wages, medical costs, property damage, etc.

Medical Payments Coverage

This coverage helps to pay medical expenses for you/your passengers after an accident, despite who caused the accident. Personal Injury Protection is similar and offers more extensive coverage.

Additional coverage is available for motorcycle owners and riders as follows –

  • Accessory Coverage.
  • Roadside Assistance Coverage.
  • Rental Reimbursement Coverage.
  • Gap Insurance – If you owe more on a bike loan than its market value – if totaled, gap insurance pays the difference.  

Schedule A Consultation Today!

For additional information regarding motorcycle coverage options, contact the insurance professionals at Jet Stream Insurance Group LLC in Miami Lakes, FL

Conquer Florida’s Rough Terrain with the Right Off-Road Vehicles

From rugged trails to slippery slopes, there’s no denying that Florida’s terrain can be pretty challenging. But that doesn’t mean you must stay inside or leave the state. The right off-road vehicle and an experienced driver can get you where you want to go and make sure you return safely.  Jet Stream Insurance Group LLC is happy to help our Miami Lakes, FL clients with recreational insurance and related tips. 

Here’s what you need to know about selecting the right off-road vehicle for tackling Florida’s rough terrain:

Essential Off-Roading Equipment

Essential off-roading equipment includes mudding tires, a winch, first aid supplies, and survival gear. Mudding tires are designed for maximum traction in wet and muddy conditions. A winch is also a must-have for any off-roading vehicle. When choosing the correct winch, consider the total weight of your setup, including the vehicle, gear, and any trailers you are towing.

In addition to mudding tires and a winch, it is also essential to have first aid and survival gear when off-roading in Florida. Items to include in your wilderness survival kit are a map and compass, a first-aid kit, a fire starter, a water purification system, a flashlight or headlamp, and a solar blanket. 

Types of Off-Road Vehicles Best Suited for Florida’s Trails

ATVs are best suited for navigating tight, winding paths with plenty of obstacles, such as deep mud, sharp rocks, and steep hills. UTVs are more extensive, heavier vehicles designed to tackle more prominent, more open terrain. They are perfect for traveling long distances and crossing large expanses of rough terrain.

4×4 OHVs are designed for taking on rugged terrains such as rocky hills, deep mud, and loose sand. Motorcycles are also good options for exploring the backcountry in Florida, as they have the power and agility to handle tricky terrain.

Get The Right Coverage Today

Jet Stream Insurance Group LLC, serving the greater Miami Lakes, FL community, provides recreational vehicle insurance for your needs. Our experienced professionals work hard to provide the right coverage for our customers. Contact us today to insure your favorite off-road rides!

Why You Need Renters Insurance

Renters have specific needs when it comes to insurance. They don’t need a policy that is like home or condo insurance. Those policies pay for damage done to a dwelling because those policies are used by the property owners. Renters don’t have to carry an insurance policy that covers the dwelling since they don’t own it. Instead, there are other types of coverages they need that are all in a renters’ policy.

To get a policy of your own, call us now at Jet Stream Insurance Group LLC in Miami Lakes, FL. 

Why Renters Insurance?

Possessions Coverage

Your dwelling may not need your protection, but your possessions certainly do. It’s likely that most of what you own is inside your rented home, and all of those items need to be protected. With renters’ insurance, all of your belongings that are inside your home are covered under the policy. This provides for your items to be replaced by insurance when you have an event that damages them. Covered events include a wide range of occurrences like certain accidents, calamities, and disasters. 

Liability Coverage

When you have a rented home, you’re responsible if anyone should have an accident there. If someone came into your home and had an accident with injuries there, you would be liable for a number of their expenses, including medical bills. You need to have liability coverage in case this happens. There are a number of types of liability that can put you at risk financially when you’re a renter, and renters’ insurance can cover you against these to safeguard your finances against lawsuits. 

Get Your Renters Insurance Policy

When you’re renting, you need to have this coverage because of the many risks you’re vulnerable to. To get your renters’ policy, call us at Jet Stream Insurance Group LLC in Miami Lakes, FL.

Is Motorcycle Insurance Required in Florida?

Motorcycle insurance is a very important policy to have in place. If you own a motorcycle in the state of Florida, you are not required under the law to have motorcycle insurance since Florida is one of the few states that do not require it, but it is still important to obtain a policy.

The experienced motorcycle insurance agents at the Jet Stream Insurance Group, LLC, in Miami Lakes FL are explaining the importance of motorcycle coverage in Florida, even though it is not required.

Motorcycle Insurance Coverage Options

Liability Insurance: Motorcycle liability insurance is extremely important to have in place in case you are ever in an accident with another vehicle, and it is deemed to be your fault. This type of policy will assist you in paying for the other driver’s property damage and medical bills if necessary.

Comprehensive Insurance Coverage: Comprehensive insurance coverage will replace or repair your bike if it is damaged or destroyed by something. Those things can range from a disaster by mother nature, such as a tornado or hurricane, or a fire occurring in the location where your bike is parked. It can also help pay for damages caused by a vandal. This type of insurance will also help you replace your bike if someone steals it.

Collision Insurance: Collision insurance is another type of auto insurance that you may want to have since it will help you out if there are damages to your vehicle or another vehicle after a collision occurs. This can also be important if you happen to run into some type of object with your vehicle. 

If you owe money to a lender for your motorcycle, the lender may very well require you to have motorcycle insurance coverage, including comprehensive and collision coverage to protect their investment in your bike.

Contact Us Today

To obtain an adequate amount of motorcycle insurance coverage for you, your motorcycle, and your situation, you should enlist the help of an experienced agent. The motorcycle insurance agents at the Jet Stream Insurance Group, LLC, in Miami Lakes, FL are ready to assist you with all of your insurance needs. Call for an appointment today!

Stay Covered While You Blaze Trails with Recreational Insurance in Miami Lakes, FL

If you live in Miami Lakes, FL, chances are you spend a lot of time outside enjoying the beautiful weather. Spending time outdoors is even more fun when you own an RV, boat, travel trailer, or personal watercraft. Make sure to protect outdoor toys with the right recreational insurance. Jet Stream Insurance Group LLC can help you determine the coverage you need and find a policy that beats your budget.

So, come to us when you want to protect your personal watercraft, ATV, toy hauler, and other recreational vehicles. We can help you get coverage for vehicles that aren’t part of your standard auto or home policy.

Learn More About Recreational Vehicle Insurance

With recreational vehicle insurance, you can protect your motorhome, travel trailers, and other RVs. The cost of coverage and how much insurance you need depend on your vehicle’s age, size, value, and use. 

Recreational insurance provides liability coverage. This coverage gives you peace of mind when you’re operating an RV. In addition, if an accident occurs, this coverage handles damage claims related to the accident.

Do I Need Coverage to Operate a Recreational Vehicle at Home?

Although there’s probably less chance of an accident when you drive an ATV or other recreational vehicle on your property, you still need insurance. Riding on trails and along the shoreline may not bring you into contact with major traffic, but there’s always a risk of an accident. So, cover your vehicles with recreational insurance before you blaze any new trails.

Recreational insurance can cover your vehicle in the event of theft or damage. So, if you need your recreational vehicle covered in Miami Lakes, FL, reach out to Jet Stream Insurance Group LLC to set up an appointment for a quote or more information on recreational vehicle coverage.

Reasons why renters insurance is a good idea?

If you are a renter, you may not even have considered that renters insurance is something that you should have. Some landlords or management companies will require you to have renters insurance, but it is not always required. That leaves you with the responsibility of making the decision to get it. At Jet Stream Insurance Group LLC in Miami Lakes, FL, we want to sit down with you and discuss the benefits of renters insurance. We can offer you choices from the top carriers in the business and having this important coverage is a good idea. 

You may be under the impression that your landlord has insurance and that is all you need. That impression will leave you with no possessions and no place to stay. Your landlord does have insurance on the building they own. It doesn’t cover your content and does nothing to protect you. You are responsible for purchasing renters insurance on your own.

Renters insurance offers a variety of coverage. It protects your possessions both in your rental and with you when you are traveling with it. It will help to replace the things that you need to live, like your furniture, clothing, and electronics. Imagine trying to have to replace all the things you use in your kitchen all at one time? It can be overwhelming. 

Renters insurance also offers liability coverage. If someone is injured while visiting your rental, you could be liable for medical bills and also be sued. If you have a dog, it will protect them as well from any bad behavior.

If your rental is damaged so badly that it is not habitable for a time, where would you stay?  With renters insurance, you will have the money you need to stay in a hotel or to get another temporary place to stay. 

Contact Jet Stream Insurance Group LLC in Miami Lakes, FL to learn more about the benefits of renters insurance. 

Should you get recreational insurance in Florida?

Anyone that is in the Miami Lakes, FL area will know very well that there are a lot of great recreational activities in the area. If you are looking to enjoy the area as well as you can, investing in a recreational vehicle can be a great option. With a recreational vehicle, you are going to be able to explore the area while enjoying your own asset. When choosing a recreational vehicle, you should also get a proper recreational insurance plan. This coverage should be obtained for a few reasons.

Get Protection for Vehicle

A reason that you need to get a recreational insurance plan is so you can protect your asset. When you are going to invest in one of these assets, you will want to ensure that you are covering it and can enjoy it for a long time. With a full insurance policy, you will have the support needed to replace or repair the vehicle if you incur some form of loss.

Liability Support

When you want to operate a recreational asset, it is important to remember that you are liable for accidents that can occur. If the accident is bad enough, this can mean covering significant property damage or medical bills. A great way to offset this risk is by investing in a recreational insurance plan as it will include a provision for your liability protection. 

Picking a recreational insurance plan in the Miami Lakes, FL area is a big choice. As you are assessing your various options, it would be a good idea to call Jet Stream Insurance Group LLC. There are many decisions to be made when looking for a plan and Jet Stream Insurance Group LLC can help you fully assess your options and pick an ideal plan. 

Florida Renter’s Insurance – What You Need To Know About Renter’s Insurance

There are many viable reasons to rent an apartment or house versus owning one.  One good reason is that you don’t have to do any upkeep to the property as that falls to the property manager or owner of the house.  Another good reason is that you don’t pay any property taxes on the residence as that too falls under the homeowner or property management.  The biggest reason to rent versus own is that you don’t have a house payment to make and don’t have to pay any home insurance.  This last reason, of course, could be argued as you do make monthly rent payments and although you can’t purchase home insurance, you can purchase renter’s insurance.  If you pay rent for your home or apartment, you should contact Jet Stream Insurance Group LLC in Miami Lakes, FL to consider your insurance options.  We will cover the reasons why renter’s insurance is vitally important to any renter of a home or apartment. 

Renter’s Insurance

The story has been told numerous times over the years and in different guises, but the story remains the same, tragedy strikes a rental property and displaces residents.  A section of a large apartment complex catches fire and many units are heavily damaged through smoke and water from putting out the fires.  The complex put up the residents in a nearby hotel for a couple of weeks on their dime as a gesture of goodwill.  After these two weeks are up, some residents struggle to find housing and replacements for what they’ve lost, other residents have no issues lining up short-term housing solutions, so…what happened?

Insurance Makes The Difference

The residents who had issues, later on, did not have renter’s insurance while the others did.  More people than you know have this false sense of security believing that their items would be insured in case of a fire or theft through the complex’s commercial insurance, this is simply not the case.  The building itself is protected (walls, rooms, structure, etc.) but not the personal effects of each resident.  The only time when commercial insurance would pay for personal items is if the complex itself was found criminally negligent in how the fire started.  This is why you should always carry renter’s insurance for any rental situation that you find yourself in.  Renter’s insurance is also much cheaper for personal items than a regular home insurance policy.  Short-term rentals and housing after a personal loss are also covered under some renter’s insurance policies as an added benefit.

Further Information

To learn more about renter’s insurance, please contact Jet Stream Insurance Group LLC in Miami Lakes, FL today!

Benefits of Getting Motorcycle Insurance

Motorcycles are becoming a popular choice of travel for numerous residents within Miami Lakes, FL, resulting in the increased purchase of motorcycle insurance. This coverage will also come in handy when your motorcycle spends considerable time in the garage, with the right cover allowing you to benefit from the proper protection measures. Below, Jet Stream Insurance Group LLC details some of the benefits you stand to gain with motorcycle insurance.

Adherence to the Law

As is the case in various states within the country, motorcycle owners are required to have motorcycle insurance to protect other motorists while on the road. Bodily injury and property damage liability are some examples that will come in handy in numerous states, with these policies covering you when you cause an accident. These will help you pay for 3rd party injuries and property damage while also helping you adhere to your state’s mandatory policies to avoid any fines.

Protects You and Your Passengers

When you get into an accident and get injured, medical bills can quickly accrue to high costs, leaving you with a financial burden. Motorcycle insurance protects you from such an occurrence and will help you pay your hospital bills. It also pays for your passenger’s treatment costs, reducing any out-of-pocket expenses. In addition to this, if you sustain significant injuries that result in loss of income, motorcycle insurance will provide you and your passengers with the necessary compensation.

Pays for Your Damage Costs

Motorcycle insurance will also help you cover your bike’s damage costs when you get into an accident or when covered perils arise. These can include collisions with other motorists and when your motorcycle is stolen or damaged by fire or hail. Your policy will provide compensation during these instances and will pay for your bike’s repair or replacement costs.

If you need help figuring out the right type of motorcycle insurance to get, contact Jet Stream Insurance Group LLC today. We will help you customize your motorcycle insurance to cover your riding needs within Miami Lakes, FL.

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.