Insurance

What is included with an excess insurance plan in Florida?

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Having insurance for your personal assets and liability coverage is essential. If you’re in the Pembroke Pines, FL area, you might want more coverage than your standard plans offer. In these situations, an excess insurance plan can be beneficial. This type of coverage is advantageous for several reasons.

Additional Insurance

One good reason to get an excess insurance plan is to receive additional insurance coverage. Home or auto insurance plans, as well as other types of coverage, can be very helpful. However, there’s always a risk that an accident could occur where damages exceed your coverage. If this happens, an excess insurance plan is beneficial as it provides additional coverage on top of existing policies.

Commercial or Personal Coverage

An excess insurance plan can benefit individuals, but it can also be a good option for local businesses in Florida. Florida businesses must know their commercial liability risks and seek ways to mitigate them. If you or your business is adequately covered with excess insurance, you can ensure you have support even if found liable for a significant claim against your business.

If you’re considering a new excess insurance plan in the Pembroke Pines, FL, area, call McCormick Insurance Inc. Our professionals understand the value of this coverage and will provide any guidance you need to build your next plan.

How to Determine if Your Business Needs Inland Marine Insurance

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Inland marine insurance is a valuable safety net option for many businesses. But how does an owner determine if the coverage is right for their daily operations? Before making a decision, you need to consider several factors that could hinder the development of your business. McCormick Insurance Inc. of Pembroke Pines, FL, can explain how inland marine insurance safeguards your work items in transit.

What is Inland Marine Insurance?

Inland marine insurance protects a business’s movable property, such as repair tools, work equipment, and finished products, while traveling from one destination to another. The coverage is ideal for a business that frequently ships items from the workplace to an off-site location. Having inland marine insurance ensures protection for your business from the risks associated with moving assets.

The Factors Confirming Your Need for Inland Marine Insurance

First, you must account for the number of work materials that leave the workplace daily. This includes transporting work equipment from temporary job locations to a storage facility. Another factor is whether your business uses mobile equipment vehicles that travel throughout the local community. Also, keep track of the multiple work sites set up each month.

Unfortunately, a standard commercial insurance policy does not adequately protect these factors. Choosing inland marine insurance provides coverage for your materials from outside threats. The policy protects a business from being exposed to theft, damage, or loss of work essentials that are en route to a new destination.

If you need to learn more about inland marine insurance, contact McCormick Insurance Inc. of Pembroke Pines, FL. Our staff can show how a specially designed policy can benefit your insurance needs. Choosing the right coverage will keep your business well protected for any situation. Please call and schedule an appointment today.

There Are Reasons Why Many Marinas Require Boat Insurance

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There’s nothing quite like the freedom and relaxation of being out on the open waters in a boat. However, it’s not uncommon for boaters to share that tranquility and those open waters with other boaters, especially at any popular marina on a warm sunny day in the Sunshine State. That’s one of the many reasons why boat owners in and around the beautiful Pembroke Pines, FL area rely on the professional and friendly team at McCormick Insurance Inc. for all their boat insurance questions and needs.

Why Many Marinas Require Boat Insurance

If you’re considering joining or using the services of a marina, you’re not alone. Marinas offer numerous benefits and extra protection, which is why many boat owners take advantage of them. However, don’t be surprised if you’re required to show proof of boat insurance to become a member.

Marinas have a lot to offer, but they also have many reasons for requiring members to carry boat insurance. From accident concerns to boater safety and more, these are many of the same reasons why boat owners choose to use marinas. These benefits, reasons, and the protection boat insurance offers are also why boat owners in and around Pembroke Pines turn to the team at McCormick Insurance Inc. when they have questions or need boat insurance solutions.

Boat Insurance Solutions for Pembroke Pines, FL Area Boat Owners

If you own a boat and live in or near the Pembroke Pines, FL area, and you have questions or need boat insurance for your seaworthy vessel, we can help. Contact us to find out more and schedule an appointment with our experienced and knowledgeable team at McCormick Insurance Inc. today.

Don’t be Caught Unprepared with the Right Umbrella Insurance Solutions

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Insurance is a crucial safety net, but is it always enough? This is a question many people ask when they want to safeguard their hard-earned assets and their families. Unfortunately, some people discover too late that their insurance coverage is inadequate or that damages from an unexpected event exceed their policy limits. These are just a few reasons why residents of Pembroke Pines, FL, turn to the professional team at McCormick Insurance Inc. for their umbrella insurance needs.

Stay Prepared with the Right Umbrella Insurance

Typical insurance policies, such as auto and home insurance, often provide sufficient protection for many basic accidents and incidents. However, accidents can be unpredictable, and so can people. This unpredictability leads to questions like, "Do I have enough coverage?" or "Am I protected if this or that happens?"

The good news is that umbrella insurance plans are designed to cover liability expenses that exceed standard policy limits. That’s why it’s beneficial to work with experienced agents who can help you understand what your basic plan doesn’t cover and ensure you get the protection you need and deserve.

Umbrella Insurance Solutions in Pembroke Pines

If you live in the Pembroke Pines, FL, area and want to learn more about umbrella insurance or how it could benefit you, we’re here to help. Contact McCormick Insurance Inc. today to learn more and schedule an appointment with our friendly team. Don’t be caught unprepared; get the right umbrella insurance solutions.

For Every Mile of the Trip RV Insurance has You Covered

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Living in a beautiful place like Pembroke Pines, FL, doesn’t mean you don’t enjoy traveling. Speak to any RV owner in the area, and they’ll share stories about the joy of hitting the open road. The call to travel varies for everyone. Some might hear, "Pack a bag, let’s take a trip," or "Who’s ready for vacation?" Others feel the allure of the open road.

No matter what calls you to travel in your RV, rest assured that RV insurance has you covered every step of the way. That’s why so many RV owners in and around Pembroke Pines trust the friendly and professional team at McCormick Insurance Inc. for their RV insurance needs.

RV Insurance: Your Companion for Every Mile

Accidents can happen anywhere, anytime, and they don’t discriminate. Whether you’re backing your RV into the garage or traveling far from home, the right RV insurance can protect your mobile home. That’s why it’s crucial to work with experienced agents who can address all your RV insurance questions and concerns.

RV Insurance Solutions for Pembroke Pines Residents

If you live in the greater Pembroke Pines, FL, area and have questions or need RV insurance, we’re here to help. Contact McCormick Insurance Inc. today to learn more and get the coverage you and your RV deserve.

What Are the Benefits to Purchasing Your First Life Insurance Policy When You’re Young and Healthy?

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Life insurance might not be a priority when you’re young and healthy. After all, you’re just starting out in life—perhaps building your career, saving for the future, or planning significant milestones. However, purchasing your first life insurance policy early can be one of the most prudent financial decisions you’ll ever make. At McCormick Insurance Inc. in Pembroke Pines, FL, we’re here to explain why starting young has numerous advantages.

Secure Lower Rates

Your age and health significantly influence your life insurance premiums. The younger and healthier you are, the lower your rates will be. Buying a policy early allows you to secure these affordable premiums for the long term. It’s a proactive step that saves you money over time while ensuring coverage when you need it most.

Provide Early Protection for Your Loved Ones

Even if you don’t have dependents yet, life insurance can still offer peace of mind. It’s not just about covering final expenses—it’s about ensuring that any debts, such as student loans or credit card balances, don’t become a financial burden for your family. Starting now means you’re protecting your loved ones from day one.

Establish Financial Security

Many life insurance policies, like whole or universal life, have a cash value component that grows over time. By starting young, you give your policy more time to accumulate value, creating an additional layer of financial security for the future.

Don’t wait to secure your financial future. Contact McCormick Insurance Inc., serving the Pembroke Pines, FL area, today to learn more about life insurance options that fit your needs. It’s never too early to plan ahead!

Will Flood Insurance Cover My Yard?

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Before purchasing a flood insurance policy, it’s crucial to understand what it does and doesn’t cover. This knowledge can save you from potential trouble if something gets damaged in a flood that isn’t covered by your policy. While most people focus on the property itself or its contents, others may wonder if their policy will cover damage to their yard. Many homeowners invest significant effort into maintaining their yards, so protecting them is important. Let’s delve deeper into flood insurance to see if it covers plants, trees, and more. When you’re ready to purchase flood insurance, trust the team at McCormick Insurance Inc. in Pembroke Pines, FL, to help you find the right policy.

Does Flood Insurance Cover Damage Outside the Home, Such as Yard Damage?

Unfortunately, flood insurance does not cover damage to the yard. Flood insurance primarily protects structures and your belongings. Any damage to your property will likely be your responsibility. So, if flood insurance doesn’t cover the area surrounding your home, what can you do? The best approach is to flood-proof your yard to minimize potential damage from a flood. It’s also important to assess the soil on your property to ensure it’s not prone to sliding after a flood. Earth movement, even if caused by a flood, may not be covered under your policy.

Find Flood Insurance for Your Property Here

While flood insurance may not cover the yard, it does cover the things that matter most. If you’re ready to purchase a flood insurance policy, we’re here to help! McCormick Insurance Inc. in Pembroke Pines, FL, makes it easy to find a flood insurance policy that suits you. Get Florida insurance quotes with us today!

Inland Marine Insurance for Fine Art: Protecting Valuable Collections on the Move

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With its unique value, fine art demands specialized protection, mainly when transported. Inland marine insurance in and around Pembroke Pines, FL, is crucial for safeguarding these treasures as they move between galleries, private collections, auctions, or exhibitions. Many items are priceless and require insurance protection when transported at the owner’s discretion. Insurance agencies can assess the value and underwrite the adequate policy.

Coverage Tailored to Fine Art

Inland marine insurance is designed to address the risks of moving and displaying valuable collections. Fine art pieces are often fragile and susceptible to damage from handling, environmental factors, or accidents. This type of insurance offers broad coverage for various risks, including theft, loss, and damage during transit or temporarily housed at an off-site location.

Policies are often customizable to accommodate the unique needs of collectors, museums, galleries, and auction houses. Coverage can extend to domestic and international shipments, ensuring that art remains protected regardless of destination.

The Role of Appraisals and Documentation

Accurate appraisals and detailed documentation are essential components of inland marine insurance for fine art. Insurers require precise valuations to determine the appropriate coverage limits and premiums. Comprehensive documentation, including condition reports and provenance, helps facilitate smooth claims processing in the event of loss or damage.

Choosing the Right Policy

Selecting the right inland marine insurance policy involves assessing the risks of transporting and storing fine art. Working with insurers specializing in fine art ensures coverage accounts for the unique challenges of handling such high-value items.

McCormick Insurance Inc. Offers Insurance Policies for Your Needs

McCormick Insurance Inc. underwrites policies to fit our customers’ needs. We serve Pembroke Pines, FL, and surrounding cities. Reach out today.

How Boat Owners in Pembroke Pines Can Benefit From Comprehensive Year-Round Boating Insurance

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Owning a boat in Pembroke Pines, FL, is a great way to enjoy the warm weather year-round, whether you’re a recreational boater or you enjoy sailing full-time. While having year-round accessibility to beautiful water is enjoyable, it’s important to consider the type of comprehensive insurance you may need to protect yourself and your investment anytime you’re on your boat. At McCormick Insurance Inc., we can help you find the right comprehensive insurance as a boat owner to protect your vessels every season, regardless of where your boat is stored.

The Importance of Year-Round Comprehensive Boating Insurance in Pembroke Pines, FL

Whether you work or vacation in Pembroke Pines, FL, obtaining year-round comprehensive boating insurance is important for the following reasons:

  • Weather Risks: In many regions throughout Florida, weather-related risks are significantly higher than in other areas of the country. Comprehensive boating insurance covers damage from high winds, storms, and sometimes even natural disasters. This is crucial if your boat is stored in Pembroke Pines.
  • Liability: Liability coverage can help protect you from any damage or injuries related to an accident that occurs while you’re out on the water.
  • Protection During Off-Seasons: Comprehensive boating insurance will protect your vessel from potential damage even when you’re not using it or during the off-season (while your boat is in storage).
  • Vandalism and Theft: Comprehensive insurance policies can also protect your boat from damage caused by theft or vandalism.

McCormick Insurance Inc. is here to help with providing customizable, year-round, comprehensive insurance policies for boat owners in Pembroke Pines, FL. Protecting your boat and investment while also protecting your peace of mind is invaluable. To learn more about comprehensive year-round boating insurance that’s right for your boat or vessel collection, contact McCormick Insurance Inc. for your quote today.

How to Properly Store Your RV: A Seasonal Guide

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Owning an RV opens up a world of adventure, but proper storage is key to keeping it in top shape. At McCormick Insurance Inc. in Pembroke Pines, FL, we understand that taking the right steps for seasonal storage can protect your investment and ensure many more trips to come.

Preparing for Winter Storage

As the colder months approach, it’s crucial to winterize your RV. Start by draining all water systems to prevent freezing and potential damage. Clean the interior thoroughly, removing any food to avoid attracting pests. Cover your RV with a breathable material to protect it from the elements while allowing moisture to escape. Checking tire pressure and disconnecting the battery can also prevent issues when you’re ready to hit the road again.

Spring Maintenance Tips

Spring is the perfect time to get your RV road-ready. Begin by inspecting for any damage that may have occurred during storage. Check seals and seams for leaks, and wash the exterior well. Reconnect the battery and test all appliances. Make sure to refill and sanitize the water system before your first trip.

Summer and Fall Considerations

Regular maintenance is key during the warmer months. Check tire pressure and inspect the roof for wear and tear. If you’re storing your RV for shorter periods, park it on a level surface and consider using tire covers to protect against UV damage.

Trust Us to Insure Your RV

Proper storage not only extends the life of your RV but also protects your insurance investment. At McCormick Insurance Inc., serving the community in and around Pembroke Pines, FL, we’re here to help you with comprehensive RV coverage. Contact us today to ensure your RV is ready for every adventure.