How to Choose Inland Marine Insurance

When you’re looking for inland marine insurance in Pembroke Pines FL, there are a few things you need to keep in mind. No matter what kind of property you transport, you need an insurance carrier who understands the circumstances behind your shipments and transportation methods. Keep these tips in mind from McCormick Insurance Inc. before you settle on a policy. 

Versatility 

Whether you work with bailees or straight property transfer, an inland marine insurer needs to be versatile enough to cover it all. Whether the property is in transit or being held by a third party, you need to be sure it’s protected at all times. Not all policies cover every event in the process, leaving company owners shocked and dismayed when they actually have to reach out for help. From a dropped box to a well-timed robbery, there’s a lot that can go wrong when you’re trying to keep your original lot intact.

Ready to Help

When you’re looking for insurance, you’re ultimately looking for a company who will help your own company survive any upcoming storms. Finding the right policy is the best way to protect your livelihood, which means you can’t leave it up to chance. McCormick Insurance Inc. understands the value of offering service you can count on, which is why we’re always there for you when you need help. Whether trying to find the right policy or settling the final details on a claim, it’s our privilege to give you the advice and service you need. 

If you have any questions about how our inland marine insurance can help you, give us a call today. Our staff serves the people of Pembroke Pines FL who are looking for inland marine insurance that will work for them. 

Does RV Insurance Cover Appliances?

One of the most expensive investments you can have in your life is an RV. An RV isn’t just a vehicle, it can also be a temporary home. You can travel the country or take family vacations on the weekends. However you choose to use your RV, you want to make sure that you have it protected with high-quality RV insurance. You may have questions about RV insurance such as does it cover the appliances inside of the RV if there is an accident or theft. 

Are Appliances Covered?

The type and limits of coverage for RVs can vary greatly. Before you decide on a policy to protect it, it is important to ask your insurance agent about the conditions relating to the appliances inside the RV. Some policies will cover them and some won’t. You may, however, be covered by the appliance’s warranty, so you can check with the manufacturer about the warranty conditions and this may eliminate the need for policy coverage. 

Finding The Right RV Coverage

One of the best ways to protect yourself from financial losses is to have the right insurance from a good insurance agency. RVs are a large investment and should be protected by a comprehensive, quality insurance policy. Work with an established insurance agency that takes customer service seriously. A great company for residents in and around the Pembroke Pines, FL area is McCormick Insurance Inc.  They have knowledgeable representatives who can give you in-depth details about insurance products and policies to help you get exactly what you need.

If you are in the market for RV insurance, you should call or stop by the office of McCormick Insurance Inc. They proudly provide RV insurance to the Pembroke Pines, FL area and would love to work with you to help you find the coverage you need for your investment. 

How to Keep Your Boat in Peak Condition

Purchasing a boat is a worthwhile investment, especially if you live in Pembroke Pines, FL. As such, keeping it in peak condition should be among your top priorities. Here are some tips for keeping your boat in peak condition;

Wash and maintain its exterior and interior
As the boat is continually used on salt water, it is predisposed to corrosion. Wash its exterior with a soft-bristle brush that has a long handle so that you clean every inch. Waxing it after the final rinse maintains its shine and gloss. Keep its interior clean by getting rid of debris and unsightly stains.    

Keep its mechanisms working perfectly
Just like a car, a boat needs regular servicing to keep it in optimal working condition. Ensure that you change the oil either every year or after every 100 hours of use. Use the marine-grade oil only. Check the propellor regularly as its damage could lead to leaks from the gear case.

Cover it during the winter
Many boats breakdown as a result of exposure to the harsh winter conditions. Thoroughly clean your boat, and lubricate all the plugs. Remove the battery and store it in a dry place and regularly change the oil to avoid corrosion. Fully cover your boat in readiness for winter and store it according to the manufacturer’s directives.

Have it insured
Just like you would not dare to move around in an uninsured car, you should not go boating in an uninsured boat. A boat insurance policy will help repair your boat in case of accidents. Insurance firms such as McCormick Insurance Inc. a provision for a replacement should the boat be irreparably damaged.

Are you in need of getting an insurance policy for your boat? McCormick Insurance Inc. has been writing boat insurance in Pembroke Pines, FL area for years now. Our coverage options are tailor made to match your specific boat insurance needs. Contact us today for more information.  

The Need for Commercial Insurance for Home-Based Businesses

Many clever entrepreneurs start a home-based business to increase income, while at the same time reduce the risk of capital investment needed to start a new enterprise. Using a spare room in a house for business efforts is usually less expensive than renting out an office space for the same operations.

Surprisingly, a study by the Independent Insurance Agents & Brokers of America found that 40% of business owners operating a home-based business falsely believe that they are adequately insured. Contrary to this popular misconception, usually regular homeowner’s insurance does not cover business uses of a home or part of a home. Regular home insurance may only provide limited or no coverage for equipment.

A common, yet surprising, example of this concern is that when a person rents out a room in a home to a third-party, the items in the room are usually not covered by the homeowner’s insurance policy. The reason this happens is renting a room means that the function of room changes from personal use to commercial use.

Having a home-based business is similar. Even if you do not pay rent for the room(s) used; each room’s function changes from personal use to commercial use.

Considerations for Home-Based Businesses

Many home-based businesses operate as consultants and freelancers. When in-person client contact is minimal, the insurance requirements for a home-based business are modest.

Foot-Traffic

One thing to consider, when you consult with your insurance agent at McCormick Insurance Inc., serving Pembroke Pines, FL, and the surrounding area, is the amount of foot-traffic of clients or customers coming to the home. If people come to the home they need to be protected by insurance from accidents that might occur.

Equipment and Vehicles

Additionally, you will want coverage for any business equipment used in the home-based business. Moreover, if you use a personal vehicle for business purposes, there are special insurance requirements for your vehicle in order to have adequate coverage.

Work Down Outside of the Home

If some portion of the work is done in the home and another portion is done outside of the home, consider a business owner’s insurance policy. It can take those different types of work into account.

Consult with your insurance agent at McCormick Insurance Inc., serving Pembroke Pines, FL to be sure you have adequate insurance coverage for your home-based business.

Talking To Your Kids About Life Insurance

Attention Rochester MN residents: now is the time to talk to your adult children about life insurance. An agent at Safechoice Insurance Agency can give you a variety of tips on how to make the conversation flow smoothly. Talking to your children about what you’d like to have happen after you pass away is not easy, but it’s necessary. Having this difficult conversation now can save your children heartache and stress after you’re gone. Use these simple tips to make the conversation easier. 

– Plan ahead. Let your kids know that it’s important for you to discuss your final wishes, and set a time and place that the conversation will happen. Know that your kids might try to reschedule a few times- that’s ok. Just let them know that the topic needs to be discussed. 

– Stress to your adult children that you’re having this conversation in order to make their lives easier, not more difficult. Let them know that the last thing you would want is for them to be financially burdened after you die. 

– Be open to questions and various emotions that may come up. Just like you wouldn’t want your children to tell you how to feel, you can’t tell them how to feel either. They may feel nervous, sad, or even angry at having to face the thought at that at some point, you will pass away. Give them a safe space to feel these emotions, and press forward with the conversation regardless. 

If you need life insurance coverage, it’s important to talk to a qualified agent to ensure that you and your family are protected. If you’re in the Rochester MN area, call Safechoice Insurance Agency today to learn about your life insurance options. 

How Does Excess Insurance Work to Protect Me?

Insurance is a general term to refer to a practically infinite amount of policies. But the truth is that insurance has to be flexible because life itself can’t be predicted. Excess insurance is just one way to plan against the extreme events in life. So if you live in Pembroke Pines, FL and want to know more about how you can do more to protect yourself, it might be time to learn more about excess insurance from the friendly experts at McCormick Insurance Inc. 

How Excess Insurance Can Help

Both umbrella and excess policies are designed to increase the liability coverage of your policy. So if you happen to come up with an extreme type of claim, you’ll have everything you need to keep yourself from financially going under. While it won’t give you any additional kinds of protections when it comes to your policy, it will increase the limits of what’s already covered should you need it. This means if you own a business or a home and you’re accused of neglect, you can use excess insurance to handle everything from direct lawyer fees to the costs to restore your reputation. 

Finding the Right Provider 

Liability claims can be some of the most expensive types of claims. If someone trips on your sidewalk crack because you weren’t able to get them replaced, you could be looking at medical claims that far exceed your current coverage. If you live in Pembroke Pines, FL, calling McCormick Insurance Inc. is the first step to finding out more about how excess insurance can work to your advantage. Contact us today if you’re looking for a quote or if you want to learn more about where your particular vulnerabilities lie. We can help you figure it out today. 

 

3 Tips for Getting Builder and Vacant Risk Insurance in Pembroke Pines, FL

Vacant dwelling insurance policies cover a home if it remains vacant for a specific amount of time, which usually has to be a minimum of 60 days. The builder’s risk insurance policy will cover any building that is still under construction. 

These are two types of insurance available to residents in Pembroke Pines, FL from McCormick Insurance, Inc., that some people are unaware of, but that can be extremely beneficial in certain situations.

If you are interested in this type of insurance coverage, then you should use the tips here to make sure you get the right policy for your needs. 

1. Bundle and Save

Chances are you already have a few other insurance policies provided by an insurance company. You have also likely heard that when you purchase several policies from the same provider, you can actually save money. 

This is true for most insurance companies. As a result, if you are thinking about purchasing builder or vacant risk insurance in Pembroke Pines, FL, consider working with your current insurance provider to see if savings are possible. 

2. Compare Quotes

While asking your current insurance provider about this coverage is a good idea, you don’t want to automatically jump at any offer given. This can leave you with a policy that costs more than you actually want to pay. 

Instead, make sure to gather a quote from your existing provider, and then a few others. This will help ensure you get the best deal and most value. 

3. Work with a Reputable Agent

The absolute best thing you can do is work with a reputable agent. They will help ensure you get the coverage and price you want and need. 

If you need more information about vacant or builders risk insurance, you can also contact the helpful staff at McCormick Insurance Inc.

 

What You Need to Know About Buying Flood Insurance as a Renter

If you are renting a home, condo, townhome or other dwelling, you may have a renters insurance policy. But many renters do not realize that this policy does not protect their belongings in the event of a flood. Here at McCormick Insurance Inc. serving Pembroke Pines, FL, we want renters to know all about flood insurance. Here is what you need to know about buying flood insurance as a renter. 

If the Homeowner’s Policy Helps Renters

As a renter, one of the biggest mistakes you can make is assuming that the homeowner’s insurance policy will cover you in the event of a flood. The homeowner’s insurance policy will not cover you in any way if a flood occurs. 

If a Renters Policy Covers You

Another mistake you can make is assuming that the renter’s insurance policy that you have will cover you if it floods. Most renters insurance policies specifically preclude flooding. As such, you will need a specific policy that is intended to cover flooding. 

What Renters Flood Insurance Covers

As a renter, a flood policy will cover your belongings. If your furniture, electronics, clothing or other goods get damaged due to a flood, your flood insurance will kick in and pay the fair market replacement value, allowing you to replace your belongings. In addition to this, the policy will also pay for you to live somewhere else if the home becomes inhabitable due to the flooding. 

Here at McCormick Insurance Inc. serving the Pembroke Pines, FL area, we want renters to know all about flood insurance, so they can purchase a policy to help cover themselves. If you are a renter and do not have flood insurance, now is the perfect time to get started buying one. Contact us today to get started. 

Safe Boating In Pembroke Pines

You never see safe boating in movies or on television. Why not? If you’ve been boating in and around Pembroke Pines, FL for any length of time, then you know that you’re not supposed to go blasting full speed past the docks. You don’t want to kick up a wake that sends everyone else’s boats slamming into one another, leaving McCormick Insurance Inc. (or whoever your provider is) holding a massive bill and wondering whether it’s worth keeping you as a client.

But in the movies and on television, nobody ever slows down for the docks. Nobody ever keeps an eye on the buoys. Filmmakers seem to assume that open waters are just the wild wild west where no rules apply. The truth is quite the opposite. For instance, on the road, you’re not obligated to help a stranded traveler. But out on the water, you have a responsibility to do what you can to help should you come across a fellow boater in trouble.

Likewise, you can hit the road without even glancing at a weather report, but out on the water you’d better take a look and make sure that there are no storms or choppy waters coming in. Simply put: There’s a lot more to keep in mind for piloting a boat than there is for driving a car. It is true that a multiple-vehicle collision is less likely on the water than on the road, but beyond that there is quite a bit that needs to be considered before untying your watercraft.

McCormick Insurance Inc. can help to cover you when the unforeseeable happens, but nothing serves as a suitable substitute for safe boating.

What does RV Insurance cover?

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.