Boat insurance isn’t required in Florida, but if you are thinking about skipping this coverage, you are putting yourself and your boat in danger. If your boat is financed, your lender may ask you to carry watercraft insurance as long as the loan liability is outstanding. However, whether boat insurance is mandatory or not, you need to purchase one from McCormick Insurance Inc. of Pembroke Pines, FL, to enjoy the below benefits.

Liability protection

Given the popularity of boating activities in Florida, the danger of boating accidents is never far from you. And when an accident happens, and you are at fault, you could be facing significant liability claims for losses and damages caused to third parties. However, you can avoid going this route by securing your boat with insurance.

Boat damage protection

Did you know that Florida is the leading state with the highest number of registered recreational vessels? Given these statistics, boating accidents are a reality for Florida boaters. But because we can’t avoid accidents 100 percent, you need to protect your boat with insurance.

Boats aren’t at risk in the water only. Even when parked in your garage, perils like theft, vandalism, falling objects, and fire can still strike. However, with comprehensive boat insurance, you can relax, knowing your boat is well-covered.

Medical payments coverage

If you live in America, you must be aware of the escalating healthcare costs. When involved in a boating accident, you and your passengers could incur significant medical expenses. Without health insurance, you could be facing a financial crisis. To that end, considering medical payment coverage in your boat insurance is vital.

Depending on add-ons you incorporate in your boat insurance, you can also enjoy:

• Roadside and emergency assistance
• Personal property protection
• Underinsured/uninsured boater protection
• Mechanical breakdown coverage

Whether it’s a yacht, fishing boat, sailing boat, or personal watercraft, boat insurance protects and gives you peace of mind when enjoying the waters. If you are in Pembroke Pines, FL, and the nearby areas, you can purchase boat insurance from McCormick Insurance Inc. Contact us today for a quote.

The Pembroke Pines, FL area can be a fun place to live in or visit. Those that are in this area of Florida will enjoy access to many fun outdoor recreational activities. If you are here, buying your own recreational vehicle will help you to enjoy the area as much as possible. If you do get a recreational vehicle, it is important that you get proper insurance for it. 

Insurance Gives Liability Protection

A reason that all people should get a recreational vehicle insurance plan is that it will offer you valuable liability protection. Whenever you are going to operate your vehicle, there is going to be a chance that you could cause an accident. If this occurs you will have to cover the damages. While this can be a big expense, you can mitigate the risk with a recreational vehicle insurance policy as it will include protection for liability.

Coverage for Vehicle

You will also want to get a recreational vehicle insurance plan because it will protect and cover your vehicle. If you decide to buy a recreational vehicle you will want to be able to enjoy the asset for a long time. If you get a recreational vehicle insurance plan, it will give the coverage needed to repair or replace it if the vehicle is damaged or stolen. 

Owning a recreational vehicle in the Pembroke Pines, FL area can be a good option. If you are looking to purchase a recreational vehicle here, getting the right insurance continues to be very important. When you are looking for a new policy, McCormick Insurance Inc. is a great company to contact. The team with McCormick Insurance Inc. can offer you a lot of support when it comes to building and choosing a policy that is right for your situation. 

When many people look through your home and auto insurance policies, they find that they have very little liability coverage. When you want more of this overage for those policies, getting umbrella insurance is a great way to do it. If you are interested in umbrella insurance, call us at McCormick Insurance Inc. in Pembroke Pines, FL to talk with an agent about this type of coverage.

Higher Maximum Coverage

If there is an accident in your home or in your insured vehicle, the primary insurance policy on it will pay first. The home or auto policy will pay out up to its maximum. If you don’t have additional liability insurance, that often means that everything over and above the policy’s maximum is up to you to pay yourself. To avoid this kind of financial catastrophe, many people get an umbrella policy to supplement both their auto and home policies. Once the primary policy has maxed, the umbrella policy comes to the rescue, paying up to its maximum, which is far higher than the maximum of the primary policy.

Save Money on Insurance

So, why get an umbrella insurance policy? Why not just increase your liability coverage for your home and auto policies? Because that would be a very expensive prospect. Adding to the coverage of both of these policies may be far more than you’re willing to pay for coverage. Umbrella insurance, however, is known for its affordability. It will have a maximum payout of many times your home and auto policies, and it costs less to get.

Talk to an Agent

To find out more about umbrella insurance policies, contact us at McCormick Insurance Inc. in Pembroke Pines, FL. Make an appointment to talk with an agent about this important coverage and how it can positively affect your financial future. 

There are a lot of ways to make things better for family members, and one of those ways is with life insurance. This kind of coverage can provide help and support for your family if you pass away, and give all of you more peace of mind for the future. If you’re in the Pembroke Pines, FL area and need insurance, McCormick Insurance Inc. is here to help. Our dedicated professionals are focused on making sure you get the quality insurance information you need, so you can make the right choice for yourself and your family.

When you choose the right insurance policy for your life, you can feel safe and secure. Your family members will have that same level of security, which lets all of you get back to living your lives. There’s so much to enjoy in the Florida sunshine, you don’t want to avoid it over worries that something could go wrong. Whether you don’t have a current policy or you’re thinking about making some changes to what you already have, working with trusted professionals can be the right way to feel confident in the kind of insurance coverage you have for your life.

For anyone in the Pembroke Pines, FL area who needs life insurance, the dedicated agents at McCormick Insurance Inc. are standing by. No matter what kinds of policy questions you have or what you need to know about insurance protection, we’re here to help. Reach out to us today, and let us guide you to a policy that will work for your needs. We can also go over any current coverage you have, to determine whether making changes would give you better protection for the things that matter to you. There are options to consider when working with us.

McCormick Insurance Inc. serves the Pembroke Pines, FL community by offering insurance coverage. We help our clients find policies that will allow them to protect their assets. We proudly serve as an independent agency.

Excess Insurance

Excess Insurance provides a safety net if you are involved in a serious auto accident. The policy covers you in the event that you have a leftover balance when your care is being repaired. While you are on the road traveling around Pembroke Pines, FL, accidents can happen at any moment. If you are involved in a serious accident, excess insurance will cover the damages. Compulsory coverage will protect your vehicle based on the coverage outlined in your policy. Some of the variables associated with compulsory coverage are your driving history, the type of vehicle that you have, and the amount of driving that you do. You can also add voluntary coverage, which also allows you to amend the policy as you would like.

Excess insurance helps supplement your traditional auto insurance policy. You can add lifestyle coverage to protect you while you are traveling to different places. This helps protect you if an emergency happens while you are away from home. Excess insurance helps fill in any gaps.

You can also use the policy to cover you if you are involved in a liability dispute. If you accidentally cause damage to someone’s property, you may have to deal with potentially huge losses. Excess insurance will protect you as you go through the process. You are also protected if a passenger is injured while riding in your vehicle. Excess insurance can help cover their rehabilitation.

McCormick Insurance Inc. Will Help Protect You

Visit our website today to learn more information about excess insurance.

The builder and construction industry is a very important one that ensures that people continue to have properties to live and work in. While there are a lot of opportunities for success in this industry in the Pembroke Pines, FL area, there are risks as well. Fortunately, with proper insurance, these risks can often be mitigated. One type of coverage that people here need to get is builders & vacant risk insurance. Recipients of this coverage can benefit in a few different ways. 

Provides Coverage for Property

An important form of coverage that you will receive with a builders & vacant risk insurance is coverage for the asset that is being built or renovated. A vacant building that is under construction has a variety of risks that are unique to it. This can include an increased risk of vandalism, theft, or damage from a fire. With builders & vacant risk insurance, you will get protection against these risks.

Liability Insurance

Another component of builders & vacant risk insurance that makes it a good investment is liability insurance. If you own and are working on a vacant building, there is always a chance that an accident could occur that causes damage to another property or could even hurt someone. A great way that you can mitigate this is by getting builders & vacant risk insurance, which will give you coverage for this risk.

With builders & vacant risk insurance, a contractor in Pembroke Pines, FL can be protected in several ways. As you are looking for this insurance coverage, you should work with McCormick Insurance Inc. The insurance professionals at McCormick Insurance Inc. understand how important this coverage is. They can work with you to build a policy that offers the right protection for your situation. 

Unlike auto insurance, most states with the exception of Utah and Arkansas, do not require that you carry boat insurance on your watercraft. However, with the explosion of water-related activities in the last few years boating is becoming exponentially more popular which is leading to more crowded waterways and an increase in accidents. Let’s face it – boats are not inexpensive and whether you cause an accident or someone else does it is going to be a hefty bill to return your boat to its original state. Consequently, having boat insurance can help protect your valuable investment and favorite livelihood by helping to pay for everything from storm damage to theft to third party accident-related incidents to damage caused by uninsured boaters.

In addition to protecting your boat while in the water, boat insurance can also protect it during the offseason when it is being stored in a marina or another building. Given that these locations are often unmanned in the winter months, there is a greater risk of vandalism and theft but with boat insurance, you’ll be protected. While it may be tempting to believe that your homeowner’s insurance policy will cover your boat, it will likely only offer limited coverage when it is being stored at your home – not on the water or at the marina.

At McCormick Insurance Inc in Pembroke Pines, FL our team of insurance professionals are ready to help you find the perfect boat insurance policy. Not only will we answer all your questions, but we’ll be there to support you from signing the policy to filing a claim. Give us a call today to schedule a no-obligation consultation and learn more about our insurance offerings. 

Based in Pembroke Pines, FL, McCormick Insurance Inc. serves the community by offering residents multiple types of insurance coverage. We strive to help our clients find policies that will make their lives easier. As an independent agency, we have established partnerships with several highly rated carriers around Florida.

A Look At Inland Marine Insurance

The chances of severe weather happening at any moment in Florida are relatively high. That’s why inland marine insurance is something that Pembroke Pines, FL residents should consider. Inland marine insurance protects items near waterways if they are damaged. If a natural disaster moves through the area, it can cause serious damage to cargo, telephone lines, and towers. High tides can destroy roads and bridges, resulting in emergency attention. You will be protected if your cargo is damaged as a result of a natural disaster. If you are a business owner, inland marine insurance can prevent you from suffering major losses.

The policy primarily covers items that are being shipped across layers of water. Businesses rely on the shipping process to run smoothly. However, severe weather has the potential to negatively impact the shipping process. That’s why inland marine insurance is important, as it allows you to have a safety net in place if a disaster arises.

Inland marine insurance also covers you if a potential liability issue arises. There are several risks involved while you transport goods. You will be covered if you are held liable for an accident while transporting goods. Inland marine policies are flexible enough to cover different types of items and help you plan for emergency scenarios.

Consult With McCormick Insurance Inc.

Visit our website today to learn more information about inland marine insurance.

Based in Pembroke Pines, FL, McCormick Insurance Inc. assists the community by providing residents with access to different types of insurance coverage. We are committed to helping our clients find the coverage that they need to deal with the obstacles that life may throw their way.

Recreational Vehicle Insurance Myths To Avoid

Many Pembroke Pines, FL residents have recreational vehicles. If you have a recreational vehicle, it’s important that you protect your asset. Recreational vehicle insurance will protect your vehicle against the threat of inclement weather and other dangers while you are on the road. The policy also covers your vehicle and personal items in case there is a potential theft situation.  While you are researching different policies, avoid some of the common recreational vehicle insurance myths.

I’m Automatically Covered Through My Auto Policy

This is incorrect. The only way to ensure that your recreational vehicle is fully covered is through having a traditional recreational vehicle policy. Having a traditional policy will cover any damages to the interior of your vehicle. You’ll also be covered when you are parking or storing your vehicle.

All Of The Policies Are Similar

This is incorrect, as each recreational vehicle policy differs based on the type of vehicle that you have. Keep in mind that there are different classes of recreational vehicles. Each vehicle comes with different risks, so you will have to weigh your options carefully.

Everything Is Fully Covered

Not necessarily. If you plan to build some accessories to add to your recreational vehicle, you may have to amend your policy to cover the accessories if they are damaged.

McCormick Insurance Inc. Will Guide You Through The Process

Visit our website today to learn more information about recreational vehicle insurance.

One important type of coverage that consumers in Pembroke Pines, FL need to understand is umbrella insurance coverage. At McCormick Insurance Inc.we offer umbrella insurance coverage.

The following are three common misconceptions about umbrella insurance that consumers need to be aware of.

Umbrella insurance only enhances auto and home insurance policies.

Umbrella insurance policies are most commonly associated with auto and home insurance policies. Umbrella insurance coverage covers the costs of liability issues when they go over the policy maximums of auto and home insurance policies.

However, auto and home insurance policies aren’t the only types of insurance that umbrella insurance adds coverage for. Umbrella insurance also provides added coverage for those who hold boat insurance, recreational insurance, and numerous other types of insurance. 

Consumers with umbrella insurance rarely end up using this type of insurance coverage.

You’d be surprised at how often policyholders with umbrella insurance coverage end up filing a claim on this type of policy. Expensive lawsuits are probably more common than you think.

You shouldn’t underestimate the probability that you will face a costly lawsuit that’s too expensive for your home or auto insurance policy to cover. 

Only high net worth individuals benefit from umbrella insurance.

You don’t need to be a millionaire to benefit from umbrella insurance coverage. In fact, you can benefit from this type of coverage regardless of how much money you make or how much money you’re worth. 

Without umbrella insurance coverage, you put everything you own at risk. That’s why umbrella insurance coverage is important not only for the super wealthy, but also for consumers with an average net worth. 

Are you shopping for umbrella insurance in Pembroke Pines, FL? We can help you in your search for an appropriate policy at McCormick Insurance Inc. Contact us to inquire about our policy offerings.