Is it time to add umbrella insurance to your personal liability coverage?

Residents in the greater Pembroke Pines, FL area are discovering the many benefits that come with adding an umbrella insurance policy to their personal insurance portfolio. If you need to increase your personal liability protection, contact the professional team at McCormick Insurance Inc. today and find out more. Common liability and other personal insurance policies have coverage limits that can be exceeded if you or a family member are involved in a catastrophic event. Don’t let an accident take away everything that you have worked so hard for! Personal umbrella policies are able to provide additional protection in the event that your primary policy reaches its coverage limit.

Why personal umbrella policies make sense

Many homeowners’ insurance policies provide protection in the event that someone has an accident or mishap in your home or on your property. They can also protect you if a lawsuit or other judgment is brought against you. However, most of these types of coverages have protection limits that can leave you exposed in the event of a claim. If your loss exceeds the number of your policy limits you can be held liable for any overages. With a personal umbrella policy, you can bridge the gap between the protection you need and policy limits. If you have worked hard during your professional life to provide for yourself and your family, it makes sense to protect your assets and your future.

If you want to find out more about how you can protect all of your hard work from a liability charge with a comprehensive umbrella policy, contact the team at McCormick Insurance Inc. today. We are proud to serve the greater Pembroke Pines, FL area and look forward to working with you too.

3 Tips for Buying RV Insurance in Pembroke Pines, FL

Life with an RV is always better. You hit the open road and stop where you want without having the hassle of booking a hotel room. But before you go on your first or next RV adventure, it’s a good idea to have RV insurance to protect your asset, yourselves, and anyone else that could be involved in an unforeseen accident. Read on to learn about three tips for purchasing RV insurance in beautiful Pembroke Pines, FL.

1. Bundle Your Policies

Chances are you already have more than one insurance policy. Most likely you have one or more cars insured with auto insurance, as well as homeowner’s insurance or even renter’s insurance. When you bundle all your insurance policies under one insurance company, you will receive a discount on your premiums. In fact, insurance companies love to reward loyalty by giving back and keeping you as a long-term customer.

2. Compare Quotes

When the time comes to purchase RV insurance in Pembroke Pines, FL, it’s a good idea to look over a few quotes. Go through the fine detail with an agent to find the best price for the best policy for your RV.

3. Work with a Reputable Agent

A knowledgeable, experienced agent will make all the difference when purchasing RV insurance. You want to make sure you get the right policy. That’s where McCormick Insurance Inc. comes in. The friendly agents are ready to answer all of your questions, help you compare quotes, and get you and your RV on the road as soon as possible. To learn more, contact McCormick Insurance Inc. today at 954-602-5741. 

Does flood insurance work with government assistance?

You may or may not be in a flood zone if you live in Pembroke Pines, FL, but your regular homeowner’s policy is unlikely to cover damage caused by flooding. That means that if you are ever affected by flooding caused by any source, you will be unprotected and will suffer the loss without the protection of an insurance policy. It is important to understand the kinds of dangers you could be facing and how flood insurance works.

National Flood Insurance Program (NFIP)

While a standard homeowners policy will not cover you if there is a flood, you can purchase flood insurance through at the same time you purchase your homeowner’s policy from McCormick Insurance Inc. It is surprisingly affordable, and it is backed by the federal government.

In fact, you can check with the NFIP if you have any questions about how the program is administered. An insurance agent can help you find the best policy, and representatives from NFIP can explain how the program has benefited people who didn’t specifically live in flood zones.

Disaster Relief From FEMA

Many people realize from watching news programs covering disastrous floods that the Federal Emergency Management Agency will help out and provide assistance to the victims in many circumstances. However, it is rare for the President to declare a federal disaster, and much of the assistance provided is often in the form of low-interest loans. It isn’t like insurance, where you can get the money you need as a matter of right.

If you are interested in protecting your Pembroke Pines, FL home, flood insurance may be a good idea. If you have any questions or want to know how it could benefit you, call McCormick Insurance Inc. and speak with one of our agents today.

Changing Jobs? When a Personal Life Insurance Policy is the Right Thing to Do

You have a great benefits package from your current Pembroke Pines, FL job. However, what happens if you opt for a new position with a start-up company or yours suddenly goes out of business? Your agent at McCormick Insurance Inc. is here to remind you to carefully look at all your insurance policies provided by your boss and think again about what happens if you make a change.

Benefits Don’t Travel from Job to Job

Your life insurance, disability, and other benefits will not transfer from one job to another. While you might take a step up in income, you may end up waiting six months to a year for those benefits to kick back in again. If you purchase a personal insurance policy, the coverage remains in place protecting your family and investments while you are climbing the corporate ladder.

Life is Unexpected–Your Insurance Shouldn’t Be

Life insurance is about making sure that all your family experiences less stress when faced with the most unexpected moments. When you take a gamble to make your life better, that shouldn’t mean that you sacrifice the confidence of knowing that the house is protected and your children will still be able to go to college. 

Great Option for Small Business Owners

Maybe you are leaving the corporate world behind and starting up your own Pembroke Pines, FL business. You can create your own benefits package that includes life insurance with a personal policy. You can even opt for one that builds equity over time, providing a nest egg for future endeavors.

If you have questions about the types of life insurance policies that are available outside of your job’s benefits package, give the experts a call at McCormick Insurance Inc. today.

How Home Insurance Protects Your Outdoor Structures

Most homeowners find the need to purchase an outdoor building or shop. Some also find the need for unattached garages. These buildings house outdoor equipment, hobbies, and vehicles. They are often the keepers of high-value purchases being stored securely. No matter if you have purchased a building or plan to do so, make sure that your home insurance policy is aware of the structure so that it, too, can be covered on your policy. For residents living in or around the Pembroke Pines, FL area, McCormick Insurance Inc. has your next policy.

What is considered an outdoor structure?

The traditional shop, shed, or storage building automatically qualifies as an outdoor structure. However, other structures found on private properties also qualify for coverage. If you have a property fence or a pool in your backyard, these structures are also considered outdoor structures and qualify for coverage. Whether you have an in-ground or above-ground pool, all of these items are covered just like your home structure and are subject to equal coverage in the event of a disaster.

Disaster Strikes

Often times our outdoor structures fall victim to disaster damages. From wind breaking a rotting tree and letting it fall on these buildings to an accidental fire destroying them, disaster can strike your outdoor structures in a similar manner as your home. With other structures listed on your policy, coverage is available. Under these circumstances, the structures and the contents found within them can be covered. 


Like your home coverage, liability is also included in these outdoor structures. If a guest should suffer bodily injury in one of the outdoor structures, your home insurance policy will cover the medical expenses or fees associated with the incident.

If you are in the Pembroke Pines, FL area and looking to update your home insurance policy, look no further than McCormick Insurance Inc.  One of our agents would be happy to assist you with a new or updated policy today. 


I’m Rebuilding a Car. When Does it Need Insurance?

Pembroke Pines, FL, is in the heart of car country. If your garage has a pet project, you might have a few questions about the state requirements for the vehicle you’re restoring. It can get a little complicated, but these three situations can help demystify how insurance works with your work of art.

You Change the Title

When a car is deemed totaled by an insurer, the state actually issues a salvage title. This means the car can be used for parts or potentially rebuilt, but while the vehicle has this title, it cannot legally drive on the roads. When your rebuild is getting close to roadworthy, you’ll have to make sure it has a valid title. The process varies, and you’ll have to go through the Florida Highway Safety and Motor Vehicles Department to change it. You’ll also need an insurance plan to get the title changed. Talking to your McCormick Insurance Inc. representative can help you with any hurdles that might appear during the process.

You’re Driving It

Not all rebuilds require a title change. If the car you’re restoring was never declared totaled, there’s a good chance it still has the original title. That’s fine. While you might want to avoid paying insurance for a car on blocks, as soon as the vehicle is roadworthy, it needs an insurance plan. This is extra true if you want to take her for a spin.

You’re Not the Only One Working on It

Sure, driven cars need insurance. That’s easy enough. Even if your project hasn’t reached that point, you may still need some extra liability coverage. As satisfying as it can be to work on the car, you might need help at some point. Since mechanic work is inherently dangerous, it’s important to protect yourself and your help with liability coverage. That may not come in the form of auto insurance, so this is another good time to talk to your McCormick Insurance Inc. agent.

Now that you know the insurance rules, you can focus on finishing the car and enjoying the roads of Pembroke Pines, FL.


What Is Excess Insurance And Its Significance In Pembroke Pines, FL?

As explained by McCormick Insurance Inc., whose serving city is Pembroke Pines, FL, excess insurance is the amount the policyholder is expected to pay against a claim before the insurance provider pays the rest. If the excess of your insurance is $800 and you are making a claim of $2,500, you will pay the $800 and your insurance company will pay the remaining $1,700.

Excess insurance benefits both the policyholder and the insurance provider. If not for excess insurance, you and other policyholders will make claim for every little amount of money you spend on your car. 

If you fix a simple scratch, you will file a claim. In fact, you will strive to make the best of your policy at the expense of your insurance company. Here is how the policyholders benefit from it. As a response to policyholders making claims all the time, the cost of auto insurance will be jerked up so high and car owners will struggle to pay for it. 

It is also necessary to add that the amount differs from company to company and it also depends on several factors like the age of drivers. A driver whose age is lower than 25 years will have little driving experience and may likely encounter more damages so the excess amount for such drivers will be high.

Most importantly, you can raise your excess higher or lower to reduce or increase your premium amount since it varies transversely with your premium. If the excess amount is higher, your premium will be lower. 

A lot of car owners focus on policies with lower premiums and higher excesses because they feel premium is certain, excess is a possibility but it is better to strike a good balance between the two of them because the payment of an excess could erode all what you saved from the lower premium.

For more information contact McCormick Insurance Inc. 

Why You Need Builders Risk Insurance

Being an independent contractor or construction service provider can be a great career. While there is plenty of potential for those that are in this field, there are also important choices that need to be made. For Pembroke Pines, FL area businesses, one important decision is to choose quality builders risk insurance. There are several reasons why a contractor needs to have builders risk insurance.

Covers Building Damage

During any form of the construction phase, there is always a risk that an accident could happen that could cause damage to a building. If the contractor is at fault, this could come with a lot of liability. When you have builders risk insurance coverage in place, you will receive protection in the event a building is damaged during construction. 

Protects Contractor Equipment and Assets

A contractor will need to invest a lot of money in order to complete certain jobs. This includes buying equipment, tools, and materials. When you have builders risk insurance in place, you will receive protection in the event these items are damaged, lost, or stolen. 

Required to do Business

For a contractor, having builders risk insurance in place is also often a requirement in order to do business. Many customers today will require that you have builders risk insurance in place in order to accept your bid. Further, certain communities have laws in place that will require you to have builders risk insurance in order to do work in that community. 

If you are a contractor and want to learn more about your builders risk insurance needs and options, you should speak to the team at McCormick Insurance Inc. The professionals at McCormick Insurance Inc. can help any Pembroke Pines FL contractor get the builders risk insurance that they need to properly protect their business. 

Is Inland Marine Insurance Really A Necessity?

You may be looking for various ways to save money for your business. As you look at things that you spend money on, you may start to wonder whether certain insurance premiums are necessary. Inland marine insurance may or may not be required. However, it’s always a good idea to have a policy so that your business is protected. Our agents at McCormick Insurance Inc. can go over why you should get the coverage.

Cover a Wide Range of Specialty Equipment

If your business ships products or equipment via shipping containers in Pembroke Pines, FL, it’s a good idea to explore inland marine insurance. You can get the coverage you need for computers, networking equipment, medical and scientific equipment, photography equipment, and more.

Whether you ship things back and forth for your own company regularly or you are a merchant, it could be beneficial to add this to your standard business insurance. This way, when the shipments are sitting inland and not being transported across the water, you have recourse if there is any kind of damage.

Special Coverage Levels

You can choose to add all sorts of coverage options based on who you are and what situation you’re dealing with. Consider:

  • Builder’s risk
  • Exhibition/fine art coverage
  • Installation floater
  • Bailee’s customer coverage

This way, if you have something in transit or on loan, it can be protected so that you’re not left on the hook for property that doesn’t even belong to your business.

You can be better protected by having this kind of insurance policy in Pembroke Pines, FL. This way, if there is damage, you have the ability to file a claim and get the money needed to replace the equipment or other property that has been affected.

Contact us at McCormick Insurance Inc. today to learn more about inland marine insurance premiums. We can customize a policy to meet your individual needs so that you have peace of mind all year long.


Does Boat Insurance Cover Boat Trailers and Haulers?

If you own a boat that you haul from one location to another, you need equipment to transport the boat. When transporting the boat, you need either a boat hauler or a boat trailer. At McCormick Insurance Inc. serving the greater Pembroke Pines, FL area, we are often asked if the boat trailer or hauler is covered by boat insurance. Here is what you need to know about this topic. 

Does Boat Insurance Cover Boat Trailers and Haulers? 

Boat insurance does not typically cover boat trailers and boat haulers. Boat insurance typically only covers floating vessels that have an engine, such as boats and jet skis. 

How Can You Cover Boat Trailers and Haulers?

If you are looking to insure your boat trailer or hauler, you generally have two options. Some companies offer an add-on policy to your boat insurance that will cover trailers or haulers. These are policies or addendums that are added on to your current insurance policy to cover the items you use to haul the boat or trailer. Most of the add-on policies only cover the trailer or hauler when it is being used to transport the boat. 

The other option is to purchase a completely separate boat trailer or hauler policy. This type of policy will cover your boat trailer or hauler even when it is not transporting the boat or when it is transporting other items, such as toys. This type of policy is generally more expensive than an add-on policy, but it offers more coverage and protection, so may be right in the right situation. 

Are you looking to insure both your boat and your boat trailer or hauler in the greater Pembroke Pines, FL area? Then contact McCormick Insurance Inc. today. We will help you find the right insurance policies to meet your needs.