If you own an RV or you are looking to get one in the near future, it’s vital that you take up an RV insurance cover for your investment. Generally, an RV Insurance policy covers your recreational vehicle against damage as a result of an accident. 

What are the primary coverage options? 
At McCormick Insurance Inc. we offer the following RV insurance coverage options in Pembroke Pines, FL. 

Comprehensive coverage
Under the comprehensive cover, you are protected against damages to your RV that are not caused by an accident. Here you are covered against the theft of your RV or any other damage such as flood damage. 

Collision coverage
In Florida, you are required to have a minimum amount of collision insurance for your RV. Essentially, this coverage comes into play during an accident and helps you settle the cost to repair your vehicle. The policy also covers the repair costs of the other vehicle involved in the accident.

Uninsured and Underinsured coverage
Sometimes you may be involved in an accident with someone who is not covered, or his/her cover is insufficient to cover the repairs needed. This coverage option tops up the repair cost in such an incident. 

Why choose McCormick Insurance Inc. for your RV coverage?

Tailor-made RV insurance cover
At McCormick, our RV insurance coverage option is tailor-made to meet your immediate needs. Our limits are flexible, and you can choose from an array of options available.

Expert advice
We go beyond offering an RV insurance policy. Our expert agents take time to analyze your preferences and advice you accordingly. Also, our RV insurance policy meets the legal requirements of the state of Florida.

We would like to cover your residential vehicle today; we service the Pembroke Pines, FL area, kindly contact us today for more information and a quote. 
 

An umbrella insurance policy covers excess personal liability. The purpose of this policy is to provide protection above and beyond the limits covered by your condo insurance, homeowner’s insurance, watercraft insurance, or any other personal insurance policy that you may have. Umbrella insurance from McCormick Insurance Inc. provides you with added liability protection for claims that may arise, and even lawsuits. You can consider it as an inexpensive way to protect your established assets as well as your financial future.

Why You Need Umbrella Insurance Policy?

Umbrella insurance policy requires you to have a primary policy – it is a secondary policy. The primary or underlying liability policy needs to first pay out on any claims that have been made before the umbrella policy can become effective.

This policy can provide you with protection from:

• Associated legal defense costs in the event that you get sued for injuries or damages to other people or their property.
• Litigation that may arise from injury or property damage.

Who Can Benefit from This Insurance Policy?

McCormick Insurance Inc. is serving Pembroke Pines, FL, and recommends that any person who has established some assets that they wish to protect in case they get sued should get this type of policy. When you get sued, there is always the possibility that you will lose valuable assets that you have built over the years. This may include any savings that you may have, which means that any person with an asset is at risk. If you own a business establishment in Pembroke Pines, FL, it’s highly recommended that you get an umbrella insurance.

In a litigious society, all items are always up for grabs, including your assets and savings. For more information on how you can use an umbrella policy to protect your future, call or visit our offices, and one of our agents will help you with any concerns. 

If you live within a high-risk flood area and receive any kind of federal assistance in buying or building your home, the federal government requires you to obtain special flood insurance. However, even if you are not required to have flood insurance for your home in Pembroke Pines, FL, you may need a policy to protect yourself against losses.

However, you may have some truly unique items like paintings or special clothing or artwork which are not only expensive but irreplaceable. It is important to know whether you are also protected against those losses. 

We at McCormick Insurance Inc. understand how important your valuables are to you. A great deal of thought goes into acquiring such special items, and they can have a special emotional attachment too. We can help you explore the various options you can take to insure your jewelry and artwork.

If your valuables are stolen or damaged, a regular flood insurance policy will cover damages up to your policy limits. You may need to get additional coverage because of the value of the items.

Most insurance policies also only try to pay compensation for losses. They may assess the value on what the value is versus the replacement cost, and often take into account factors such as wear and tear or depreciation.  When it comes to a truly unique item, you may want to find a policy that restores your artwork instead of just replacing it. That might even turn out to be the most economical option, depending on what is needed to restore your items. 

If you possess unique and valuable items, you want to make sure they are protected. McCormick Insurance Inc. proudly serves  Pembroke Pines, FL and helps find the best options for every client.

If you live in Pembroke Pines, FL, it would be a good idea to get familiar with umbrella and excess insurance. What are those two and what do they cover? Well, McCormick Insurance Inc. can answer those questions today. Keep reading to find out the difference between the two.

Umbrella Insurance

This type of insurance is used when your primary coverage is exhausted. If your home, auto, or other insurance has reached it’s limits in a legal battle, this is where your umbrella insurance would kick in. It also covers libel and slander, things that many traditional insurances do not protect you from. Another great thing about umbrella insurance is that you can be covered anywhere in the world. One thing to know about this type of insurance is that you must already have home or car insurance to get an umbrella policy. Think of it as an add-on.

Excess Insurance

In the event of an accident where you need to pay money for repairs, excess insurance will help you out. It is a contribution you make to your car insurance that will provide you with insurance that is a lot more than the primary liability policy. It works like this: when a claim is made to your insurance company, the underlying policy would be used to pay for damages. If the claim amount is greater than the policy, then this is where excess insurance would pick up where your primary policy left off.

Both excess and umbrella insurance help fill in the gaps of your primary coverage. But the difference is in what they can cover. Umbrella insurance can cover things like libel and slander, but excess insurance covers things like damages and liability.

More questions? Contact McCormick Insurance Inc. of Pembroke Pines, FL today.

Rainfall is a good thing since it keeps the land beautiful, nourished, and healthy which ensures the survival of humanity, plants, and animals. However, like all other good things in life, moderation is always required. Unfortunately, you can’t control mother-nature hence there is no way you can stop rainfall and subsequent flooding.

Recently, there has been numerous storms, hurricanes and excessive rainfall which is the main reason you should re-examine your flood insurance policy. Notably, flooding can be severe, leading to irreparable damages to homes and property. According to McCormick Insurance Inc., Pembroke Pines, FL, these are four things you need to know about flood insurance.

1. Don’t postpone until the last minute before buying flood insurance
Like other insurance policies, flood insurance has a waiting period before you start ripping its benefits. In most instances, the waiting period is 30 days hence the policy should be bought in advance of the storm or hurricane seasons.

2. Don’t over-rely on the homeowner’s policy
The standard homeowner’s policy might cover for damages caused by a busted pipe, but it won’t cover for damages caused by excessive rains or hurricanes. As such, it is imperative to consider a flood insurance policy.

3. Even if you are a tenant, you still need the policy
If there is no requirement for the landlord to have a flood insurance policy, they will most likely not invest in the policy. As such, any water damage to your belongings will not be covered.

4. You should protect your business using this policy
Most offices are stocked with expensive furniture and files, and yours might not be an exception. In case there are floods around your office you can incur a huge financial liability due to water damage. However, with a flood insurance policy, all your liability claims will be covered.

While hurricanes and storms are isolated issues, McCormick Insurance Inc., Pembroke Pines, FL advises you to purchase a flood insurance policy to ensure that you are always prepared.
 

When you submit an automobile claim, you need to pay an excess.  There are two types of excess payments; compulsory excess and voluntary excess.  

The former refers to an amount that is set by your insurer. This set amount will depend on factors such as age, type of claim, and the type of car you drive. This amount is non negotiable.  

The later refers to an amount you can actually determine yourself. The more you pay for the voluntary excess payment, the lower your insurance premiums will be.  However, if you do make a claim, you will be paying more out of pocket in the form of a an excess payment.   

What is Excess Insurance?

Excess insurance is supplemental insurance that you can add to your existing car insurance to cover the cost of excess payments when or if you need to make a claim.  The amount of the excess payment, of course, is agreed upon beforehand.  The way is works is that you still cover the excess expense during a claim but you then submit another claim to get reimbursed for the excess payment you made.  

Why You Need Excess Insurance

If you were to have to make a claim down the road, will you be able to afford the excess payment?  if you don’t think so, you may want to consider purchasing excess insurance. The amount for excess insurance will be easily charged on top of your traditional car insurance policy premium.  

To learn more about purchasing excess insurance in Pembroke Pines, FL, contact the friendly agents at McCormick Insurance Inc.  We can answer all of your questions and help you find the right excess insurance for your automobile.  Contact McCormick Insurance Inc. serving the Pembroke Pines, FL area today at 954-602-5741.  

Marine inland insurance is a type of insurance policy that is not typically understood. If you work for a company and they have asked you to purchase marine inland insurance, your mind may be racing with questions. Here are a few of the questions that we at McCormick Insurance Inc. serving the Pembroke Pines, FL area, are often asked about Marine Inland Insurance. 

What is Marine Inland Insurance? 

Marine inland insurance typically covers inland items that are stored near waterways. This may be transportation property, such as bridges, piers or roads. This may be communication devices, such as radio or television towers or phone lines. Or this may be covered to docked boats that carry cargo that may be damaged. 

What Does Marine Inland Insurance Cover Against?  

Marine inland insurance helps to cover the property named in the policy against damage done by these waterways. If there is a storm or the tides change, the property can become damaged. Bridges can get rusty and need extensive repairs, roads can be wiped out, telecommunication equipment can be destroyed and cargo stored on ships that are being transported can become water damaged. This type of insurance helps to protect against these losses, ensuring these businesses are not hit with a huge bill because of water-based events. 

If I Have Marine Insurance Do I Still Need Marine Inland Insurance? 

Marine insurance helps to protect cargo while it is being transported at sea. Once your boat is docked, you will need marine inland insurance. As such, marine insurance does not offer the same protections that marine inland does, though they both cover your cargo on a ship at different points in time. 

If you still have questions about marine inland insurance, or you are ready to get a quote in the greater Pembroke Pines, FL area, call McCormick Insurance Inc. today. We can help you get the right policy for your needs. 

Have you ever heard of excess insurance? Probably not, and that is why it is so important to understand it. Here’s a quick overview of excess insurance in Pembroke Pines, FL, including what it is and three things you need to know about it. 

What is excess insurance?

When you invest in excess insurance, you are essentially buying a coverage plan that exceeds what most normal insurance providers offer in terms of limits. For example, if you make a claim and your auto insurance exhausts all of its coverage, excess insurance can be beneficial because it will provide extra compensation above what your auto policy will pay you. Please keep in mind that an excess insurance policy does not provide extra coverage. Instead, it provides an increase in your coverage limits. If your primary policy provides coverage for a certain type of claim, then excess insurance will provide an increase in limits as well. If the claim is not covered under the primary policy, then your excess insurance policy will be of no benefit. 

Is excess insurance worth the investment? 

Many people think that excess insurance will be very expensive. Fortunately, though, it tends to be extremely nominal in relation to how much the real value of the policy is. And while some people believe you need to be wealthy to invest in this type of insurance, it has proven itself to the average Joe many times over. To keep it simple, the benefits that can be gained from this type of policy are far worth the investment made. 

To learn more about excess insurance, make sure you contact McCormick Insurance Inc. serving your area today.