How Much Insurance do I Need For My Recreational Vehicle in Florida?

Many think their homeowner’s or auto insurance will cover their recreational vehicle (RV) when they take it out on the open road. Unfortunately, this is not always the case. While some homeowner’s policies offer some coverage for RVs, it is usually not enough to fully protect you in an accident or other incident. This is why having a separate policy for your RV is so important. But how much insurance do you need?

The Value of Your RV

The vehicle’s value is one of the most critical factors in determining how much insurance you need for your RV. The more valuable your RV is, the more coverage you will need. You should always insure your RV for at least its replacement value—the amount it would cost to replace it if it were totaled in an accident. Your McCormick Insurance Inc. agent can help determine your RV’s replacement value.

Your Location

Your location in Florida also affects how much insurance you need. If you live in an area with a high risk of heavy hurricane damage or other natural disasters, for example, you will likely need more coverage than someone who lives in an area with a low risk of such events. This is because there is a greater chance that your RV could be damaged or destroyed by a natural disaster if you live in a high-risk area.

How Often You Use Your RV

Another critical factor to consider is how often you use your RV in Pembroke Pines, FL. If you only take it out a few times each year, you may be able to get by with less coverage than someone who uses their RV on a more regular basis. This is because there is less chance that something will happen to your RV when it is not used as often.

Contact McCormick Insurance Inc. to discuss your particular needs and to get a quote for RV insurance.

What disqualifies loved ones from getting a life insurance payout in Florida?

No one wants to think about their death, let alone the death of a loved one. But if something happens and your loved one does pass away, you want to know that their life insurance policy will cover funeral expenses and other final bills, helping to ease the financial burden at an already difficult time. McCormick Insurance Inc. is here to answer the hard questions.

Unfortunately, some conditions could disqualify your loved one from receiving a life insurance payout. 

Criminal Activity

One of the most common reasons why life insurance payouts are denied is because the policyholder was engaged in criminal activity when they died. 

Natural Causes

Most people expect their life insurance policy to pay out if they die of natural causes. However, that’s not always the case. For instance, if your loved one died directly from failing to take medication for a pre-existing condition, their life insurance company may refuse to issue a payout.


It’s also important to be aware that many life insurance policies have clauses that void coverage in the event of suicide. So if your loved one took their own life, their family would not be eligible to receive a death benefit.

Drug and Alcohol Use

Another factor that could impact whether or not you receive a life insurance payout is drug and alcohol use. If your loved one dies under the influence of drugs or alcohol, their life insurance company may refuse to issue a payout. In some cases, policyholders are required to take regular drug tests to keep their coverage active.


If you have questions about life insurance in Pembroke Pines, FL, contact McCormick Insurance Inc., and we will find answers.

How do I find out what flood zone I live in?

If you live in Pembroke Pines, FL, it is essential to know which flood zone you live in. Why? First, if you live in a high-risk flood zone, you need to have an evacuation plan for hurricanes, flash flooding, and other emergencies. Second, if your home is not adequately insured, you could risk losing everything should a flood occur. This blog post will show you how to determine which flood zone you live in.

Determining Your Flood Zone

First, visit the Federal Emergency Management Agency’s (FEMA) website. On the main page, type in your address or a nearby landmark. Once you hit enter, a new page will load with information about your property. Scroll down to the "Flood Hazard Information" section and look for the "Map Number." The number next to "Map Number" is your flood zone designation.

The next step is to visit your insurance agent to ensure that you have adequate coverage should a flood occur. If you do not have insurance or your policy does not cover floods, now is the time to get it. You can also purchase flood insurance through the National Flood Insurance Program (NFIP).

How McCormick Insurance Inc. Can Help

If you live in Pembroke Pines, FL, you should know which flood zone you live in. Remember, it is vital to have adequate insurance coverage if you live in a high-risk flood zone. If you do not have insurance, now is the time to get it. Call McCormick Insurance Inc. today, and we can help you purchase flood insurance through the NFIP or a private company.

Is motorcycle insurance required for those who have car insurance?

For insurance laws and other regulations, motorcycles are treated as a separate class of motor vehicles. Any motorcycle rider in Pembroke Pines, FL will need motorcycle insurance, even if they already have an auto insurance policy for the cars they own and drive. However, there are also insurance options for motorcyclists that can vary based on each person’s needs. Here is a basic overview of motorcycle insurance requirements. Our agents at McCormick Insurance Inc. can provide more specific details to anyone who needs help. 

Liability insurance is required.

Like drivers of standard cars, motorcyclists must have at least a basic liability policy to protect others from the damage they cause during an accident. This means that the insurance provider will pay for most or all of the damage so that the person does not have to pay for the losses if there is a lawsuit related to the crash. Florida law requires several thousand dollars of protection for injuries and property damage caused by the motorcycle operator, which is built into all liability policies. 

There are additional coverage options.

Anyone who has a motorcycle that is financed should get collision coverage. The collision policy will help ensure a damaged vehicle can be repaired shortly after the accident. This type of coverage means that the owner will only have to pay a deductible out of pocket, then the insurance company covers the rest. A motorcycle can also carry comprehensive coverage as another policy option. This protects against things like theft and damage unrelated to motor vehicle accidents. Each individual should discuss their insurance needs with an agent to see if they need this coverage. 

Getting motorcycle insurance

At McCormick Insurance Inc., we can provide more information about motorcycle insurance to anyone who needs assistance. Don’t hesitate to contact our agents, who serve Pembroke Pines, FL, to set a policy or ask questions.

What Are Some Common Inland Marine Insurance Exclusions?

Inland marine insurance covers the property not typically covered by standard homeowners or commercial property policies. This type of policy is often used by businesses that operate in multiple states, as it can provide protection for their goods no matter where they are located. 

However, before purchasing a policy, you should be aware of some common inland marine insurance exclusions. This blog post will discuss the most common exclusions and what you can do to protect yourself from potential losses.

1. Property Transported by Plane, Helicopter, or Boat

If your property is being transported by an aircraft, watercraft, or boat, it usually isn’t covered under an inland marine insurance policy. You see, these types of policies are designed to cover property that is transported via land. So, if you’re shipping your belongings overseas or sending them via UPS, you’ll need a different type of policy from McCormick Insurance Inc. 

2. Property in the Care, Custody, or Control of a Common Carrier

If you’re shipping your belongings via UPS or FedEx, they are technically considered to be in the care, custody, and control of a common carrier. They usually aren’t covered under an inland marine insurance policy.

3. The Vehicle Transporting the Property

The vehicle transporting your property is also not covered under an inland marine insurance policy. So, if your car breaks down or is in an accident while transporting your belongings, the damage to your belongings probably won’t be covered.

4. Weather-Related Damages

Inland marine insurance policies also exclude damages caused by weather events in Pembroke Pines, FL, such as floods, hurricanes, and earthquakes.


If you’re looking for coverage for your belongings while they’re in transit, McCormick Insurance Inc. can help. We offer various insurance policies that can provide the coverage you need. Come to our offices in Pembroke Pines, FL, or give us a call today to learn more.

What type of insurance is required to drive my RV in Florida?

If you own a drivable RV, you must carry RV insurance that meets Florida’s minimum requirements. Our Pembroke Pines, FL team at McCormick Insurance Inc. can help RV owners legally get the insurance they need to drive in Florida. 

Florida RV Insurance Minimums

RV owners who own a motorized RV must carry a minimum of $10,000 in personal damage liability coverage and $10,000 in personal injury protection. Also, motorized RV owners must purchase liability, comprehensive, and collision coverage. We can help you determine how much coverage you need to suit your unique situation. If you own a driveable RV, your insurance requirements are similar to automobile insurance requirements. In Florida, insurance isn’t a requirement for non-motorized RVs.

Other Requirements

RVs must be registered within thirty days of purchase. Florida state law also requires RV owners to title and register their RV ten days after relocating. However, your RV must meet the licensing requirements set by the Florida Department of Highway Safety and Motor Vehicles. RV owners are also required to title and register their RV within ten days of:

  • Your child’s public school attendance
  • Of employment
  • Establishing residency

Our team at McCormick Insurance Inc. can help you explore your RV insurance options. We can answer all of your questions and make recommendations. We can also help you obtain insurance that meets Florida’s state minimum requirements and add any additional options that may fit your unique situation. If you have questions regarding insurance for your RV, call us. We’re happy to answer all of your questions. Our Pembroke Pines, FL team at McCormick Insurance Inc. is here to help you get the RV coverage you need.

Is boat insurance required in Florida?

Florida boaters aren’t required to carry boat insurance. However, it may still be unwise to be uninsured as a boat owner. Our team at McCormick Insurance Inc. is committed to educating Pembroke Pines, FL boaters on the benefits of boat insurance. We’re informing residents about the financial liability that comes from boating accidents if you’re uninsured. 

Florida Boating Laws

Boat owners aren’t required to carry boat insurance in Florida. However, if you don’t own your boat outright, your lienholder will likely require you to have boat insurance. Boat insurance ensures that the loan/lien holder is covered if something happens to the boat. Also, some marinas may require boat owners to have boat insurance to cover a possible accident. 

Other Considerations

Many boat owners would be unprepared to replace their boats if they were in an accident. Many owners would be unprepared to cover property damage and medical bills for anyone injured if at fault. An uninsured boat owner could be financially responsible if found liable for a boating accident. Car accidents can be expensive to cover out of pocket. Boating accidents are no different. An uninsured boat owner absorbs all the costs of any potential accidents that they may cause. Property damage, medical bills, and damage to another person’s boat or your own are all expenses you could be required to cover.

If you have questions about boating insurance, we can help. We’d be happy to answer your questions. We will discuss the benefits of boat insurance and situations that may occur if you don’t have insurance. We want you to be informed. Give our Pembroke Pines, FL team at McCormick Insurance Inc. a call; we’re standing by. 

What Is Covered Under Builders And Vacant Risk Insurance?

A builders’ risk coverage form is a kind of insurance that protects buildings, both residential and commercial, while they are being built, renovated, or repaired. Vacant risk insurance provides coverage for an empty building damaged or destroyed. 

More diverse commercial projects include office buildings, wind turbines, and multi-million-dollar sports venues. To know more about the coverages, reach out to McCormick Insurance Inc., serving at Pembroke Pines, FL. 

The Insurance Plans on the Market 

There usually are three types of builders’ risk policies: ground-up new construction, renovation (including or excluding the existing building), and installation. Building risk insurance coverage may widely vary from one provider to another. Some examples are location-specific and single-project policies, reporting forms, blanket policies, and blanket installation policies. 

Unlike the more sophisticated reporting forms and blanket rules, the site-specific policy is simple enough for customers to use for several projects. Some policies will cover damage to temporary buildings and landscaping and damage to construction materials and fences. 

What Isn’t Covered by Builder’s Risk?

Builder’s Risk insurance does not cover issues that arise from workers on the job site. Also not catered are damages inflicted by terrorists or a foreign government. 

If you’re building a new home or renovating an existing one, you should budget 1-5 percent of the entire cost of your project budget for BR. The BR cost is mainly determined by factors including the building’s total insurable value (TIV) and the specific risks your customer desires to be protected against. 

The insurance price is affected by the construction materials utilized, with wood and other flammable elements costing more than concrete. Extra policy extensions for BR coverage may also exist in areas prone to natural calamities like earthquakes or flooding. Do you live in Pembroke Pines, FL, and do you need professional help? Call McCormick Insurance Inc.

What’s the Difference Between Excess Insurance and Umbrella Insurance?

Sometimes your existing insurance coverage isn’t enough to cover the cost of significant repairs or even a replacement of what’s important to you. Every policy has a limit, and once that is exhausted, you are left to pay whatever is left out of pocket. This is why excess insurance exists.

If you’re a Pembroke Pines, FL interested in learning more about excess insurance, please read this important information from McCormick Insurance Inc.

What is Excess Insurance?

Excess insurance is a type designed to protect you from a financial loss exceeding your current coverage limits. It is a way of mitigating the risk of a financial loss due to liability claims. Excess insurance is usually purchased in addition to your primary insurance coverage.

If you’re familiar with umbrella insurance, this might sound familiar. However, there are some critical differences between umbrella insurance and excess insurance.

What is Umbrella Insurance?

Umbrella insurance is a type of excess insurance. Umbrella policies also cover claims that exceed the limits of your primary coverage. But it also provides a broader range of coverage that stretches to losses outside the scope of your primary coverage.

The specialty of an umbrella policy is protection for things not within the underlying policy, while other forms of excess insurance cover only losses designated in the underlying policy. Umbrella is a form of extra insurance, but excess insurance is not always an umbrella policy.

Are you interested in learning more about excess insurance? Want to know what excess policies are available in Pembroke Pines, FL? Contact McCormick Insurance Inc today, where we can answer all your insurance needs!

What you need to know about inland marine insurance

Are you interested in learning more about inland marine insurance? The folks at McCormick Insurance Inc. are here to answer any insurance-related questions that you may have. If you’re a business owner in the Pembroke Pines, FL area, here’s what you need to know.

What is inland marine insurance, and how can it help protect your company?

The name is very confusing, as an inland marine insurance policy can help protect your inventory even when it’s miles away from the sea. The name is a carryover from the days when most commercial transports occurred via ocean liners. Now, inland marine insurance policies can protect inventory and equipment while being shipped, stored, or delivered. Hopefully, the name will more accurately reflect its purpose one day soon.

Such a policy can also protect the freight delivered to you. It can also be effective if any materials, inventory, or equipment is being stored in a third party’s warehouse. Any company that sources materials, products, or equipment overseas or overland can benefit from such a policy.

So, contrary to the name, this type of policy can be used for items shipped via truck, train, or plane. Your primary commercial policy may not be adequate if you rely on the shipping of any type. Sit down with your agent today to learn more about how an inland marine policy can help protect your company!

Let’s work together!

All business owners in Pembroke Pines, FL, and the adjacent areas can rely on McCormick Insurance Inc. for their commercial insurance needs. If you have questions, we have the answers! Get in touch with our office today and schedule a consultation.

We look forward to working with you.