Miami Beach Insurance Resource

Need Insurance in Miami Beach, FL?

 

Moving to a new home? Searching for better policies on home, life, or automobile insurance? Concerned about risks facing your family, loss of property, or damage to your belongings? Or maybe you just need to find Or just want rate comparison information on your existing coverage? Whatever you need, we’re here to help.

Navigate to:

Home Insurance
Business Insurance
Renters Insurance
Condo Insurance
Flood Insurance
Auto Insurance
RV Insurance
Boat Insurance
Motorcycle Insurance
Umbrella Insurance

More information on your destination:

Top 5 things most people don’t know about Miami Beach, Florida
Get to Know the Miami Beach Neighborhood

If you’re a new resident in Miami Beach, Florida, take the time to set up your new insurance policies. Insurance laws, policy options, and minimum coverage requirements might be different in Miami Beach than what you’re used to, and you don’t want your coverage to lapse. Our agents are standing by to help you find the best way to keep yourself and your family protected during your transition to a new home.

Below, you’ll find a collection of important information about Miami Beach as well as a tips on how to make sure you get the greatest value from your new insurance policies.

 

Home Insurance in Miami Beach

Family enjoying home insurance in Miami Beach
Low rates on homeowners policies in Miami Beach, FL

If need a new homeowners insurance policy but you need to keep your insurance premiums as low as possible, you should know that our agency proudly offers the most affordable rates in Miami Beach and throughout the nearby zip codes of 33154, 33138, 33137, 33132, and 33109.

Do I really need a homeowners policy?

The short answer is yes, you do. Homeowners insurance is a package policy that protects against financial loss if your house suffers damage, whether that damage is due to natural disasters, negligence, or criminal intent. If you own a home and want to protect your investment, homeowners insurance can shield you from having to pay costs associated with damage from fires, hurricanes, automobile accidents, theft, and much more.

While a homeowners policy may be more expensive than condo or renter’s insurance coverage, homeowners insurance is an absolute must for anyone who wants to fully protect his or her home.

What is a standard homeowners policy? What does it cover?

A traditional homeowners policy will cover you against most types of damage to your home and its contents. Generally, homeowners insurance covers the following perils:

  • Fire or lightning
  • Damage resulting from smoke (but not loss of use)
  • Windstorm or hail
  • Explosion
  • Aircraft or vehicles (such as an auto collision with your house)
  • Riot or civil commotion
  • Vandalism or malicious mischief
  • Theft, including theft of appliances, flat-screen TVs, and other window coverings
  • Damage from produced water or oil from a drilling operation on your property
  • Sudden and accidental damage from artificially generated electricity (such as voltage surges)
  • Weight of ice, snow, or sleet that causes a home to collapse
  • Theft by a person legally on your property if the house or certain valuable items are left unattended
  • Loss of glass from wind, hail, and other natural forces

Is there anything this policy doesn’t cover?

Homeowners should be aware that a standard, out-of-the-box policy will not likely cover floods or earthquakes, but there are many different ways to attach this coverage to a new or existing policy.

Is there anything else I should know about homeowners insurance?

Think of your homeowners insurance contract as a legal agreement with the insurer, which means both sides should fully understand what exactly is spelled out in the agreement that’s being signed. Homeowners insurance is not one-size-fits all, and policies vary widely from company to company. It’s important that you do some comparison shopping before settling on a policy and that you find an agent you trust to help you parse the details of your policy.

It’s also important to remember that you’re not limited to choosing just one insurance company when it comes time to purchase a homeowners policy. You can talk with several different companies in order to get the best rate possible for your coverage, or to compare rates and see who can give you the best deal.

But remember: Once you’ve chosen an insurer, you usually have to stick with it for the life of your policy. It’s crucial that you understand the terms of your insurance contract and ask questions if anything is unclear.

Our agents take your needs seriously, and we want to make sure you understand all the details of your homeowners insurance before you sign on the dotted line. Talk to us now to find out how to get the best rates on homeowners insurance.

For more information about Florida insurance visit: https://floir.com/.

 

Business Insurance in Miami Beach

Why do I need business insurance for my company?

If you own a business, there are many potential hazards that can leave your business with serious legal and financial problems. These issues most often stem from the safety of your company’s employees, its customers, property, equipment or other assets.

commercial business insurance in Miami Beach Florida
Business insurance in Miami Beach, FL

As a business owner, it’s important to understand the various insurances you may need and why.

Business insurance protects your employees, property and finances if something unexpected happens on or off your premises. It is usually not optional – most states require at least some types of business coverage for all businesses operating within their borders.

At minimum, you will likely be required to have workers’ compensation insurance. At a maximum, you may need multiple policies from several different carriers to adequately protect your entire enterprise and all of your assets.

What does business insurance cover?

While there is no single standard business package, it is possible that you’ll need some combination of the following types of coverage:

  • Property Insurance – Covers damages or losses in your office space
  • General Liability Insurance – Protects against lawsuits for bodily injury or property damage
  • Business Owner’s Policy (BOP) – A combination of property and liability insurance
  • Professional Liability Insurance – Also known as errors and omissions, this type of coverage protects you against claims that you have made mistakes or failed to fulfill your obligations
  • Umbrella Insurance
  • Employment Practices Liability Insurance
  • Commercial Auto Insurance – Covers the vehicles your company uses to do business, including company cars and small delivery trucks
  • Workers’ Compensation Insurance – Provides benefits for employees injured on the job in exchange for mandatory employee injury reporting requirements
  • Directors and Officers Liability Insurance (D&O)
  • Business Interruption Insurance
  • Key-Man Insurance – Life insurance for business partners or key employees that names the company as beneficiary
  • Cyber Liability Insurance
  • Directors and Officers (D&O) insurance
  • Employment Practices Liability (EPL) insurance, also known as an errors and omissions policy

What else do I need to know about business insurance?

In addition to understanding the different types of coverage, it’s important for business owners to be aware that some insurers may require a waiting period before you can start a claim. This is a standard industry term that means that your policy won’t pay any claims during the first year, even if the damage was covered by your plan.

Don’t assume that one insurance will cover all of your potential losses – be sure to ask about the exclusions, conditions and limitations that apply before you buy. Some business owners are under the misconception that they can just file a claim through their home insurance if their business is unprotected, but this doesn’t work in most cases. As always, read any contracts or policy documentation carefully before you sign on the dotted line.

What’s the next step?

Establishing a comprehensive set of policies to protect your business from the unknown is a complex and sometimes frustrating task. That’s where Toscano Insurance Group comes in. Our agents excel at assisting business owners in determining the ideal amount of coverage while keeping premiums as low as possible.

To start the process of fully protecting your business, contact us today for a free consultation. You’ll be glad you did.

 

Affordable Miami Beach Renters Insurance

What is renters insurance and why do I need it?

Renters insurance covers a tenant’s personal property in the event of damage or theft. It also provides liability coverage for injury that a tenant, a guest, or a family member might cause to another person on the premises.

Renters insurance is often referred to as an HO-4 policy because it covers “personal possessions” and “additional living expenses.” But there’s much more to it.

Renters insurance is an important part of any renter’s budget. It can be a worthwhile investment even if you don’t own a lot of valuable possessions and even if your landlord has coverage on the building.

renters insurance Miami Beach, FL
Low cost renters insurance in Miami Beach

What does renters insurance cover?

Renters insurance consists of two parts: coverage for your personal property and liability protection.

Personal property coverage is designed to reimburse you if your personal possessions are stolen or damaged beyond repair, such as in a fire. It will also cover additional living expenses (ALE) should an insured peril make your apartment uninhabitable.

Liability coverage applies to injuries that you, a family member, or a guest might cause to someone else – for example, if a visitor slips and falls on your icy driveway. It also protects you if you unintentionally damage the property of others while you’re at home.

What does renters insurance not cover?

Your landlord’s policy will protect the building itself (and any related property, such as hallways or laundry rooms) from damage due to fire or another insured peril. Your renters insurance policy will not cover damage to the building itself or its grounds, nor will it provide any coverage for injuries that other tenants may sustain – including your own family members.

Is there anything else I should know about renters insurance?

Renters insurance protects your apartment whether you live alone or with roommates. It’s also portable, which means that you can take it with you when you move to another apartment. In fact, many roommates choose joint policies together and then share the costs of the premiums, ensuring that everyone in the unit is protected.

To find out more about how renters insurance can benefit you and protect your belongings, we invite you to speak with one of our agents at no charge.

 

Miami Beach Condo Insurance

What is condo insurance?

A condominium is a type of property ownership in which the unit owner holds legal title to an individual unit within a multi-unit complex, known as the “common elements.” Condo insurance provides coverage for losses to your individual unit or other units you’re responsible for.

condo insurance for Miami Beach, FL residents
Comprehensive Condo Insurance Miami Beach, FL

Condominiums are often attached side by side with party walls between units but are sometimes stacked. The individual units are often referred to as “condos.”

People who own a condominium often rely on the association that oversees the common area to take care of major problems, such as roof repair. But if something goes wrong within your unit—a pipe springs a leak or thieves break in—you’ll be on the hook for repairs. Protect your investment by purchasing condo insurance, which covers damage to your unit and its contents.

Do I really need condo insurance?

Condominium owners are not automatically required to have condo insurance. However, there are benefits to consider before declining this valuable coverage:

• Your personal assets may be at risk if your unit is damaged and the condominium corporation can’t pay for it.

• The condominium corporation’s insurance doesn’t cover some big claims such as floods or earthquakes.

• The condominium corporation’s insurance may not cover water damage from burst pipes or fires from faulty electrical wiring.

• If your unit is rented, the landlord’s policy won’t protect you if a tenant gets hurt at your property. In addition to protecting you, condo insurance can also help tenants with their living expenses if they have to move out when your unit is being repaired.

• You may be held responsible if another owner or tenant in the building doesn’t pay their share of insurance costs and you have to make up the difference, even though you had no control over their actions.

How is condo insurance better than renters insurance?

A renters insurance policy won’t help you if your condominium is damaged by a major earthquake or hurricane. It also won’t protect you against financial loss if the board of directors becomes insolvent, which means the association doesn’t have enough money to pay for damages.

What happens if I do not have condo insurance?

If your building can’t afford to fix the damage done by a major disaster, such as a fire or hurricane, you will likely have to pay out of your own pocket.

What types of losses are covered by condo insurance?

Condo insurance provides coverage for damage to your unit and its contents due to theft, fire, vandalism and other events that are typically excluded from regular homeowners insurance.

In addition, condo insurance policies often include liability coverage so you’re protected if someone is injured in your unit due to a defective product or a slip and fall incident.

To be eligible for condo insurance, an association must have enough money in the bank to pay the deductible amount for each loss that occurs within its four walls. It must also have enough money on hand to pay the full deductible amount for each loss that occurs within the common elements.

Condo insurance can be complicated, so before you make a final decision on which type of policy to get, or to forego coverage altogether, we invite you to take a few minutes and find out how condo coverage can help you by speaking with one of our experienced agents.

 

Miami Beach, FL Flood Insurance

flooding insurance Miami Beach, Florida
Protect against flooding in Miami Beach

Do I need flood insurance?

If you live in a flood-prone area, this question is vitally important. The U.S. government’s National Flood Insurance Program (NFIP) provides protection against losses from flooding. But if your home is damaged, the NFIP typically offers low replacement cost (only up to $250,000) for your structure. That typically amounts to 40% or less of what you paid for your house. The NFIP also offers separate coverage for contents, which can be very expensive, and doesn’t cover everything.

People who want additional flood protection beyond what the federal program will provide must get commercial insurance policies.

What does flood insurance cover?

Unlike the NFIP, a commercially purchased policy covers the full replacement value of a home and its contents, as well as its foundation, electrical systems and major appliances.

A standard flood insurance policy also covers living expenses if you have to live elsewhere while your house is being repaired or rebuilt. Living expenses coverage is limited to a specific time period after the loss, usually 18 months or less, but some policies can be extended with a rider.

A good flood insurance policy may also include damage caused by sewer backup, usually considered an “optional endorsement.” Sewer backup coverage is very important because it can often be excluded under the typical homeowners policy .

What is not covered?

Commercial flood policies typically don’t cover damage to the yard or landscaping. They also do not pay for any additional living expenses, such as hotels, that may occur after a flood.

What else should I know about flood insurance?

Be aware that you may not be able to get flood insurance if your property has suffered repeated losses caused by flooding. The NFIP’s repeat loss clause is designed to discourage people from rebuilding in the same risky location over and over again.

It’s also important to review your policy every year to ensure that the coverage is adequate. You should also be aware that some areas are considered to be too high-risk for private insurers to offer flood insurance.

How common is flooding in Miami Beach, Florida?

“There are 9,573 properties in Miami Beach that have greater than a 26% chance of being severely affected by flooding over the next 30 years. This represents 99% of all properties in Miami Beach. In addition to damage on properties, flooding can also cut off access to utilities, emergency services, transportation, and may impact the overall economic well-being of an area. Overall, Miami Beach has an extreme risk of flooding over the next 30 years, which means flooding is likely to impact day-to-day life within the community. This is based on the level of risk the properties face rather than the proportion of properties with risk.” RiskFactor.com

(https://riskfactor.com/city/miami-beach-fl/1245025_fsid/flood)

For more information about the flooding zones in Miami Beach visit: https://www.miamidade.gov/environment/flood-maps.asp.

Acquiring a reliable flood insurance policy with adequate protection can be daunting, and seeking knowledgeable help is a good idea. Our agents are standing by to answer any questions you may have and to help you get the best rates available on your flood insurance.

 

Miami Beach Auto Insurance

the best auto insurance deals in Miami Beach Florida
Automobile coverage in Miami Beach, Florida

Why do I need auto insurance?

There are a number of reasons why most drivers choose to have car insurance. Statistically, your most likely exposure to risk is through your vehicle, whether you’re a driver or a passenger. In the United States in 2012 alone, there were over 5 million accidents nationwide, with 2.3 deaths per every 100 accidents — and the cost of damage was estimated at over $700 billion, according to the National Highway Traffic Safety Administration.

Personal liability protection is a must as well. If you’re held liable for damage or injury caused by an accident and don’t have sufficient insurance coverage, you could be bankrupted by your legal expenses alone — court costs are just the beginning. With personal liability protection, your insurer will pay legal expenses on your behalf.

What are the different types of car insurance available?

There are three main types of auto insurance that you can choose. The most common is liability coverage, which covers damages to other people or their property in an accident caused by you. Personal injury protection, often called “medpay” for short, also comes as part of some liability coverage packages. Personal injury covers medical expenses incurred by you or your passengers, no matter who was at fault in the accident. The third type, collision coverage, is only available on newer models and covers damage to your car caused by an accident.

I’m a safe driver. Do I really need to buy collision and comprehensive coverage?

No one can predict the future, and accidents do happen — even to the safest drivers. Collision coverage protects you against theft or vandalism as well as an accident. Comprehensive covers damage caused by non-collision events such as weather, fire, and theft.

Does insurance cover vehicle damage even if I haven’t paid off my loan?

Yes, all banks and lending institutions require the insured (you) to maintain full coverage on a financed car or lose their lien. This means that you can get your car repaired before paying off the loan and still be covered by the lender.

Does an older car need to be insured?

The short answer is yes. Older cars may not be as expensive, but the law requires all drivers to maintain liability coverage for any vehicle they drive with four or more wheels. The minimums are set by state law; however, most insurance companies recommend higher limits of protection (and will often offer a discount for drivers who carry them). So if you have an older car with low value, it’s a handy way to get higher limits of liability at a lower price.

Does my state require me to have insurance?

Yes, all states and the District of Columbia require car insurance before you can register your vehicle. Some states have financial responsibility laws, which require drivers to prove they have the financial resources to pay for damages up to a certain amount in case of an accident.

Florida drivers must have liability insurance that meets the minimum limits (you can purchase more coverage if you choose) required by law to drive on our state’s public roads and highways. The minimum limits of liability insurance required under Florida law are:

  • $10,000 of personal injury protection (PIP) insurance
  • $10,000 of property damage liability insurance

What happens if I don’t carry insurance?

If you’re stopped by the police and don’t have insurance on your vehicle, or can’t show proof that you do, don’t be surprised if you’re arrested or ticketed. If you’re caught driving without insurance after an accident, your driver’s license could be confiscated and/or you could face jail time.

Find the right auto insurance policy doesn’t have to be a hassle. Contact our team today to find out how easy and affordable it is to keep yourself protected on the road.

 

Miami Beach Recreational Vehicle (RV) Insurance

Why do I need RV insurance?

Recreational vehicles are part of many people’s lives. They are used for family camping vacations, sports events, business meetings and more. As with any piece of equipment or vehicle, if your RV is damaged or stolen, having the proper RV insurance to cover it will help you recover quickly so that you can get back on the road.

If you just purchased an RV, then you can be protected by the lemon laws that cover new vehicles. If your RV is not new, it is recommended to purchase coverage right away. That way you are covered in case of an accident or damage caused by perils like fire, hail, vandalism, floods and others. Some policies also come with liability protection, but these options will vary depending on the policy you choose.

Recreational Vehicle insurance in Miami Beach, FL
Miami Beach residents travel safely with RV insurance

What is covered by my RV insurance?

Your insurer will likely want to know what you plan on using the RV for, besides regular transportation. If you are planning on using it mainly as a weekend home away from home or full-time living, then this usage change will be covered under your policy.

You may want to add coverage for personal belongings inside the RV, if you are planning on using it as an additional or temporary place of residence. Your insurer will likely ask how many miles per year you plan on driving your RV and where those miles will be driven.

What if I have a loan on my RV? Do I have to have coverage?

If your recreational vehicle is financed, then it is highly recommended that you purchase insurance before a payment is missed. This will prevent a debt from going into default and protect your credit score. Additionally, some loan companies have been known to require proof of insurance before they release the title for a vehicle, which means you cannot get insurance later.

What else should I know about RV insurance?

When you purchase insurance for your RV, it is important to understand the terms, conditions and exclusions of your policy. If you don’t, it may be hard to recover the money you need if something happens to your RV.

Like most insurance policies, your RV policy may have different options you can choose from to customize it for your needs.

When you are ready to purchase an RV plan, be sure to remember how much time you have before the contract goes into effect. Doing so will help you protect yourself if your recreational vehicle is damaged or stolen.

Miami Beach, FL Drivers License information: https://www.flhsmv.gov/locations/miami-dade/.

Establishing an RV insurance policy is a smart choice, and the helpful agents at Toscano Insurance Group are ready and waiting to make sure you have the best protection at the best price for the duration of your travels. Contact us today to learn more.

 

Miami Beach Boat Insurance

Why should I get boat insurance?

Boat insurance is a way to protect your investment against financial loss. While boat insurance cannot prevent damage due to theft, fire, vandalism or collisions with other vessels, it can help defray the cost of repairs and replacement up to the limits of your coverage. It also provides liability protection in case you cause injury or property damage while using your vessel.

Owners of boats with large engines (over 10 horsepower) are required to carry Personal Injury Protection (PIP) insurance. Some states also require liability coverage that can be provided through an optional “boater’s policy.”

Miami Beach, FL boat insurance
Protect your boat with Miami Beach boat insurance

What types of boat insurance are available?

There are three main types of policies: comprehensive, collision and liability. A comprehensive policy covers all types of loss except those which are excluded specifically in the policy. A collision policy covers damage to your boat resulting from collision with another vessel or object. A liability policy can provide protection against personal injury and property damage claims made by others as well as the cost of legal defense if you are sued.

How much boat insurance do I need?

Like any investment, it is important to consider your needs and the financial value of the property. Your boat is a capital asset that can be an expensive pleasure or work tool, so just like your home and car, you should insure it against all potential risks.

What should I consider before buying boat insurance?

Here are some facts to consider:

  • The appropriate type of coverage depends on factors such as the size, age and value of your boat
  • Most experts recommend replacing a boat every five to 10 years because the value declines over time
  • Older boats are less likely to be protected against all types of loss
  • Boats stored ashore (rather than on a boat lift or in a marina) may require different coverage
  • Your insurance company should detail what is and isn’t covered, including specific information about your boat.

What should I watch out for when buying boat insurance?

Beware of agents or companies that ignore state-mandated boater coverage requirements. Other things to watch out for include:

  • Agents who use high pressure sales tactics
  • Insurers with limited experience in insuring boats, particularly older models
  • Agents who promise coverage for items that are excluded from most boat policies
  • Insurers whose rating plans make it difficult to compare premiums from different companies.

Is there anything else I should know about boat insurance?

When you buy a boat, make sure you receive a copy of your policy and keep it onboard. To avoid having your insurance coverage canceled for non-payment, promptly pay any renewal invoices or bills you receive from your insurer.

On the whole, boat insurance is a good value compared to the costs of replacing a vessel. It can also add protection against loss of use and legal liability in case your boat causes damage to other vessels or injury to people.

Determining the proper amount of coverage and the best policy options for your particular craft can be difficult, so let us help. The Toscano Insurance Group team is here to help you get the best rates and best coverage possible. Contact us today for a free consultation and hit the water with peace of mind.

 

Miami Beach Motorcycle Insurance

Miami Beach, Florida motorcycle insurance
Miami Beach, Florida Motorcycle Accident Coverage

Why do I need motorcycle insurance?

Motorcycle insurance is often required by law when purchasing, leasing or operating a motorcycle. Even if it’s not mandatory in your area, if you are financing or leasing your motorcycle, the bank or finance company will require that you purchase liability coverage.

What types of motorcycle coverage are there?

There are three major components to most policies: bodily injury liability, property damage liability, and physical damage (comprehensive & collision). Other coverage types are available, but these three make up the lion’s share of standard policies.

Bodily Injury Liability provides protection for others involved in an accident you might cause, including medical expenses, legal expenses or court costs that may arise from injuries they sustain. You are required to have bodily injury liability coverage as part of your financial responsibility for operating a motorcycle.

Property Damage Liability provides protection for other property involved in an accident you might cause, such as damage to another vehicle or a fence, telephone pole or building. You are required to have property damage liability coverage as part of your financial responsibility for operating a motorcycle.

Physical damage coverage pays for repair or replacement of the motorcycle if it is damaged in an accident, vandalized, stolen or otherwise harmed. This can be broken down into categories of comprehensive and collision coverage. Though not required by law, physical damage insurance is highly recommended, as it protects you from paying for repairs yourself.

Comprehensive coverage covers your motorcycle against losses from causes other than collision, such as fire or theft. Collision coverage pays for damages resulting from your motorcycle colliding with an object, such as a tree, utility pole or another vehicle. This is often required by banks when you’re leasing the motorcycle.

What else should I know about motorcycle insurance?

Here are a few things you should know about your motorcycle coverage:

  • Insurance companies usually charge more for high performance motorcycles.
  • You may be required to have a clean driving record for your motorcycle insurance company to provide you with a better rate. This can mean no accidents or traffic violations in recent years, as well as speeding tickets that are several years old.
  • Some insurance companies offer discounts on rates if you take motorcycle safety courses.
  • Property owners are liable for any damage caused by their motorized vehicle or trailer while on their property, so you should check your coverage to see if you are covered when parking your motorcycle at the grocery store or in a friend’s garage.
  • Automobiles do not have an age limit in regard to insurance rates, but motorcycles do.
  • Insurance companies will take your claim history and your credit score into account when calculating premiums.
  • Make sure to review your coverage before an accident happens because you will likely be required to pay for any damage or injury out of pocket unless you have purchased the proper insurance.

Please ride safely:

  • In 2019, motorcycle riders were almost 29 times more likely to suffer a fatal accident than those in an automobile, according to data on vehicle miles traveled from the National Highway Traffic Safety Administration (NHTSA).
  • Motorcycle helmets have been shown to prevent more than a third of fatal injuries to motorcycle drivers, and nearly half of fatal injuries to passengers on motorcycles, according to reporting from the the National Highway Traffic Safety Administration (NHTSA).

If you ride a motorcycle, you can find out more about safety and best practices here: https://www.nhtsa.gov/road-safety/motorcycles.

Toscano Insurance Group proudly provides riders in Miami Beach with the best rates and coverage around, as well as free consultations on all your insurance needs. Contact us today to learn more.

 

Miami Beach Umbrella Insurance

What is umbrella insurance?

Umbrella insurance, also known as excess liability insurance, provides extra protection over and above existing policies such as auto or homeowners in the event of a serious accident. Umbrella coverage significantly expands your financial safety net when it comes to legal defense fees and damages awarded in a lawsuit, and it’s surprisingly inexpensive.

In this way, umbrella insurance is like an extra layer of liability insurance that goes over your existing coverage, such as auto or homeowners insurance.

In other words, if you have a $500k home and a $1M umbrella policy on top of your regular coverage, that means you’re covered up to $1.5M for any liability that you might incur.

Miami Beach, Florida Umbrella insurance is a must
Complete protection for Miami Beach, FL residents

What does umbrella insurance cover?

Umbrella coverage protects you from lawsuits up to the limits of your policy, including defense costs and awards for damages. All policies are different depending on the insurer, but you can generally expect at least the following types of legal protection:

  • 1. Bodily injury
  • 2. Property damage
  • 3. Personal and advertising injury

You’ll receive protection for both compensatory damages (i.e., those awarded to you by a court as compensation for your loss) as well as punitive damages (payout above the amount of your actual loss meant to punish the wrongdoer). If your home or car is damaged in an accident that’s your fault, you’ll be covered up to the limits of your umbrella policy for any repairs.

Previously, umbrella policies only covered accidents that happened when you were in your car or on your property. However, they now typically offer protection when you’re anywhere in the world—at home, at work, when traveling for business , etc.—so long as the accident was caused by your negligence.

Why is umbrella insurance important?

The rise of lawsuits and claims filed against the average person has made umbrella coverage a must-have for most Americans. Umbrella insurance is available in a wide variety of options and is rapidly becoming one of the most commonly purchased types of insurance in America.

If all you have is a minimal medical insurance policy, there’s a good chance that you can double or even triple your overall liability limits by implementing an umbrella policy. Umbrella policies are available for individuals as well as families of all sizes.

Before you make a final choice on your umbrella insurance, be sure to speak to one of our agents to find out how to get the lowest rates and largest amount of coverage.

 

Top 5 things most people don’t know about Miami Beach, Florida

  1. Miami Beach is located in Miami-Dade County in the state of Florida, and is considered a coastal resort city.
  2. The earliest Native American settlement in the region has been dated roughly 12,000 years ago, but the Tequesta people made initial contact with European immigrants.
  3. The first European to visit the area was Juan Ponce de León when he sailed into Biscayne Bay in 1513.
  4. The first permanent settlers did not arrive until the early 19th century, when they came searching for sunken treasure along the Great Florida Reef.
  5. in 1842, William English refitted a family plantation along the Miami River, and became the first official resident of the region.

 

Get to Know the Miami Beach Neighborhood

  • Northern Miami Beach contains Biscayne Point, which spans three islands and contains two parks.
  • Tucked under Biscayne Point, North Beach is a low-key residential area with stunning ocean views.
  • Central Miami Beach is home to The Bass Museum of Art, offering visitors multiple exhibits that showcase the culture of the region.
  • Southern Miami Beach is home to the world famous South Beach, which features a glamorous scene surrounded by iconic swaying palms and pastel Art Deco structures.

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Mike Evans
Mike Evans
I been doing business with toscano insurance for 3 years already and I can't be more happy with them. The best rates available for car insurance and home owners insurance as well.I highly recommend toscano insurance. their dedication and priceless effort to get the best rate for us their costumers.Thank you.
three peas
three peas
Great service and customer care, helped me get the best price on my car insurance. Would highly recommend them to anyone looking for any type of insurance
Jeremy Smith
Jeremy Smith
“I am a Small Business Owner of a Foster Care Company. Toscano Insurance greatly helped us to obtain the commercial insurance for General and Professional Liability Insurance required by the State of Florida Authorities. The agency’s business insurance expertise is of the best kind I have ever seen.” Jullian was very patient and understanding. The insurance premium very affordable and financing is available if needed. They expertise made a stressful process very easy. Thank you so much!!Woodlyne
Woodlyne Eleazard
Woodlyne Eleazard
Really friendly and efficient. Helped me find a competitive rate for non owners car insurance. Would recommend:).
Tal Yardeni
Tal Yardeni
Julian was amazing at helping me setup urgent insurance. I definitely recommend them to anyone who is looking for help.
Christine Seibold
Christine Seibold
Julian is was very nice and super professional with me and my family.Definitely I suggest Progressive, and ogpf course Julian
andrea labruna
andrea labruna
I have Been a customer of Toscano Insurance Group for many years . They provided me with incredible service and have always helped me navigate the complex world of my insurance needs.The are simply the best
Carlos APARICIO
Carlos APARICIO
I have used Toscano insurance for my property insurance and have been Extremely satisfied with the great service. I have also refer individuals for both personal and commercial property insurance and have heard that they were completely satisfied with the service and pricing that they received.I highly recommend Toscano insurance for all your insurance needs.
Rogelio Baluja
Rogelio Baluja
Maria and Julian are simply the best. Their service is outstanding, are responsive and very professional. They helped me out with my condos' insurance as well as with my auto insurance. They saved me money and I have better coverages now.
Carlos Arturo Salazar Rodríguez
Carlos Arturo Salazar Rodríguez
Julian and his team are great. We can always rely on them to respond quickly and professionally. We highly recommend them!
Jared Rayman
Jared Rayman
Obtuve una excelente ayuda con las personas de Toscano Insurance, mi seguro me cancelo mi poliza y ellos me ayudaron amablemente a conseguir algo mucho mejor y de mejor calidad. Los recomiendo altamente.
Jorge Venegass
Jorge Venegass
Julian helped me with an motorcycle insurance during Xmas- he is availeble 24/7 and knows what he is talking about. My best recommendations
Mo Ha
Mo Ha
Julian, Maria and Estela take care our Restaurant, cars, motorcycle, jet ski and boat, with excellent prices and the best service...we highly recommend them.Gracias por la excelente atención que siempre recibimos de ustedes!!!!
claudia batista
claudia batista
Julian and Maria were very helpful in setting up our renter's and auto insurance. They were familiar with the many discounts available and were able to provide the policy limits that met our family's needs. Highly recommend!
Julie Van Meter
Julie Van Meter
Very happy to have Julian Toscano as our insurance agent, his profesional help and his advice is excellent limati painting is thankful to have his company taking care of our insurance businessThanks JulianLillo and Marlene
Limati Painting
Limati Painting
This office is the BEST! I came in needing all kinds of help in bundling my policies and Maria was able to beat my previous coverage premiums AND upgrade my limits. That's the advantage of using a broker group, saving tons of time and seeing the resultant savings right away.
Steven Craig Ellixson
Steven Craig Ellixson
Thank you to the team at Toscano for helping me better understand the risk associated with my business. They were able to hwlp me see areas of opportunities that exposed my restaurant to potential lawsuits. I appreciate the time they took to make sure that I was correctly covered. Thanks again!!!!
Josue Henriquez
Josue Henriquez
Needed help with my insurance and got exactly what I needed. Very professional, customer-oriented, helpful, and kind. Highly recommend to anyone needing insurance services. I will definitely be doing business them again.
Carlos Salazar Vélez
Carlos Salazar Vélez
Their staff is kind and gives helpful advice. Excellent service and professional people. I highly recommend them.
Martin Salazar
Martin Salazar
Esta agencia me ayudo a reducir el costo del seguro del auto significativamente. Siemprw estan dispuestoa a ayudarme con cualquier problema o pregunta .
Rey Aguilera
Rey Aguilera
I have had an on-off relationship with this agency for 5 years. When I first moved to the United States, IObtained car insurance thru them by Progressive. Blindly, I decided to leave them for the lizard folks (I got a good rate but I was never told that I didn’t have liability insurance coverage). The guys at this agency reached out to me and convinced me to do an analysis where I found out I had no liability insurance!!!!! I switched back immediately and for the same rate, I got 100/300 coverage. My policy is up for renewal soon and it will stay there. Thanks guys for helping me get good protection!!! Doing business with you guys has no surprises.
Leonardo Alvernia
Leonardo Alvernia
Extremely professional, helpful, found the best option, best prices for what I needed. Will be coming back for all my insurance needs.
Vernon Bartholomew
Vernon Bartholomew
Really excellent service and great expertise. Thank you!
Ivan Guzman
Ivan Guzman
Thanks for all your help, just what I was looking for and with excellent service. Recommended for all people in search of Trustworthy Insurance.
Marcela Esguerra
Marcela Esguerra
Excelent Service very Professionals and effective.
Ämer Mercado
Ämer Mercado
Unlike other insurance office they make sure you get the help you need, my home and my auto are insured with them !!! Thanks just insurance
Deulys ray
Deulys ray
Five stars!!!! they are truly the best at what they do ! I called and obtained a quote in less than an hour I had insurance on my new home !!!
Junissa Martinez
Junissa Martinez
I am a business owner, I have a barbershop. I have known the agent for more than 3 years and they insure my business at a very affordable rate.
Iam Vip Barber
Iam Vip Barber
Thank you so much Just Insurance! For helping us over come our obstacles in finding a good policy! Highly recommend this place for any business starting up or looking for a better deal! Thank you for everything !!!
Leafy Bike
Leafy Bike
Extremely nice service , the owner was ver helpful and knowledgeable. I will definitely recommend this place to my friend.
tony giovane
tony giovane
First I switched my home insurance and then my car insurance to this company. Both times they have saved me money and delivered a better policy than my previous carriers. I found the staff to be knowledgeable and friendly and it’s great not to be dealing with an 800 call center agent. I have recommended this company to my friends and they have also been very satisfied.
Lloyd Hetherington
Lloyd Hetherington
great customer service. will take care of all your insurance needs.
Gabriel Widi
Gabriel Widi
We are so glad we found them so close to home. This is our second year with them, they look after all insurances for the 2 buildings we manage.Well organized.
lospapos67
lospapos67
Excellent office to get all your insurance needs. It is very good to be advised by a professional insurance agent with an excellent experience. Thank you so much for your service.
Ana Ma. Arenas
Ana Ma. Arenas
The entire team at JIB Miami Beach are extremely friendly and knowledgeable. I am please to do business with a serious and experienced outfit.
Sandro Hadjez
Sandro Hadjez
Great service ! Julian is very attentive and professional!
Adisbel Hernandez
Adisbel Hernandez
Great customer service, helped me with exactly what I needed.
Chris Salazar
Chris Salazar
Great service and professionalism. Thank you and will continue to do business with you.
Herbert De Lima
Herbert De Lima
Got my car and house insurance with them and they are great to work with. Totally recommend them
Christopher Rivera
Christopher Rivera
Great company. Gets you exactly what you need at affordable prices. My one stop shop for all my insurance needs. Very pleased with this company! Thank you!
Robert Lisboa
Robert Lisboa
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1111 Lincoln Rd., Suite 500
Miami Beach, FL 33139