Determining which vehicles RV insurance covers may seem confusing, but the answer is more straightforward than you might think. Our team at McCormick Insurance Inc., serving the Pembroke Pines, FL area, will gladly answer any questions you have and ensure you obtain the RV coverage you need.

RV Types and Insurance

RV insurance covers four types of vehicles, and each can be relatively modest or more luxurious, though the largest RVs tend to be the fanciest.

Class A RVs are typically top-of-the-line vehicles built on a commercial truck or bus chassis. Many are like houses on wheels and expand with slide-outs when stationary. They often have a kitchen, washer and dryer, full-screen TV, sleep eight people, and have other appointments.

Class B RVs sit on full-size van frames and sleep one or two people. They typically include a galley with a burner, a small refrigerator, and a bathroom. The seating and living spaces are often converted into sleeping areas.

Despite the name, Class C RVs are between Classes A and B in length and weight and are built on a cutaway truck chassis. They commonly include sleeping space over the cab and amenities ranging from modest to near-luxury.

Towable RVs, also called fifth-wheel campers, are pulled by trucks with a fifth-wheel attachment. Towable RVs can be nearly as large and luxurious as Class A RVs. Unlike Class A, B, and C RVs, towable RV insurance covers only the RV, while the truck’s insurance covers the liability and auto-related insurance needs.

Working With McCormick Insurance Inc.

Our McCormick Insurance Inc. team serves the Pembroke Pines, FL, area. We will help you address your RV and other insurance needs, so call us or stop by today to ensure you have the coverage you need.

Flooding is something that many people in and around the Pembroke Pines, FL area experience and contend with, like many places across the country. That is the bad news. The good news is, despite the damage and havoc that flooding can cause, flood insurance is often the safety net and lifeline people need to recover after the rising waters have passed. That is also why many people from the Pembroke Pines area turn to the experienced and professional team at McCormick Insurance Inc. for all their flood insurance needs.

Flood Insurance: Your Lifeline and Help Against the Flood

When raging waters and rising tides become imminent, the best thing we can do is prepare, even when we can’t stop them. Like any flooding event, the first concern is safety, but many other problems can arise with the rising waters of a flood, even after the waters recede.

The cost of flood clean-up, replacing lost items, and repairing the damage caused by a flood and floodwaters is considerable. That is also why flood insurance is so valuable and why homeowners invest in the protection flood insurance offers. No, we can’t stop floods, but we can be better prepared and protected from the cost of flooding events with solutions like flood insurance protection.

For All Your Flood Insurance Needs

If you live in or around the beautiful Pembroke Pines, FL area and have questions about or need flood insurance, our professional and friendly team at McCormick Insurance Inc. can help. Contact us to learn more and schedule an appointment today for the protection and flood insurance you need and deserve at McCormick Insurance.

Completing a motorcycle safety course gives riders foundational knowledge to improve their skills, reducing the chance of being involved in a collision. Read on to learn about their key benefits from our experts at McCormick Insurance Inc. in Pembroke Pines, FL.

1. Improved Riding Skills

There are thousands of motorcycle-related accidents each year, many of which result in death or major injuries. Many collisions can be avoided altogether by beginner and advanced courses. Some skills they can improve include:

2. Increased Safety Awareness

Increasing safety awareness can avoid most causes of these collisions. Safety courses offer information on how to identify potential road hazards, ride defensively, and anticipate the actions of other drivers.

3. Improved Riding Skills

• Developing Greater Control: Motorcycle courses teach riders how to handle their bike in various situations, including accelerating, braking, and turning, so you have a controlled, smooth riding style.
• Enhance Defensive Driving: During the course, the instructor gives tips on maintaining a safe distance, scanning the road ahead, and identifying blind spots.
• Learning Emergency Maneuvers: Your instructor teaches students how to perform emergency actions, such as swerving, making quick stops, and avoiding obstacles.

4. Lower Insurance Rates

Completing a safety course can reduce your insurance premium. Many companies consider riders who take classes to be less likely to cause or be involved in an accident, which minimizes the potential for insurance claims.

5. Meet Legal Requirements

The motor vehicle department may require motorcycle safety courses to obtain a ride license. You may have to take a skills safety test to get a motorcycle insurance endorsement.

Be Safe On the Road

Even experienced riders can increase safety with advanced courses, while new riders should take an introductory class. We’re happy to answer your questions and assist you with adequate motorcycle insurance here at McCormick Insurance Inc. in Pembroke Pines, FL.

In the realm of business insurance, one of the most misunderstood is inland marine. McCormick Insurance Inc. offers these policies in Pembroke Pines, FL, and they provide a wide range of coverage. Its name likely contributes to both businesses and consumers. Widely considered builder’s risk coverage protects goods and equipment in transit, but that’s not all that inland marine insurance covers.

1. Riggers Liability Coverage

This type of policy pertains especially to contractors regarding equipment and cargo being moved by a crane or other methods of getting large, heavy pieces into place. This coverage does not apply to basic general liability coverage and is available with a supplement add-on to your policy.

2. Installation Floaters Coverage

In general, contractors typically carry out installation floater coverage. These policy riders to inland marine insurance are often known as builder’s risk coverage to provide protection for installations the contractor is handling.

3. Tool and Die Coverage

This coverage benefits machinists and die and tool makers who produce custom metal parts and specialized tools to create them. Tool and die floater coverage protects companies that provide specialized molds and tooling used in manufacturing.

4. Accounts Receivable Coverage

This endorsement is specialized coverage to compensate policyholders for fiscal losses related to accounts receivable. In addition to increasing peace of mind, it comes in handy when such incidents occur.

5. Jewelers Block Coverage

This inland marine endorsement provides coverage to the jewelry inventory that retailers hold. These entities are generally wholesalers, retailers, pawn brokers, and manufacturers.

Contact Us About Inland Marine Insurance

If you have questions or are interested in obtaining inland marine insurance, contact McCormick Insurance Inc. in Pembroke Pines, FL. We’ll handle your needs quickly and professionally.

Boating accidents occur all the time, and in some situations, you may be found to be at fault. If that is the case, and someone seeks legal action against you, having boat insurance may provide you with the support and guidance you need. At McCormick Insurance Inc., we provide boat insurance in Pembroke Pines, FL, for those who own and use (or store) their boats just for these reasons.

What Happens When You Are Facing a Lawsuit?

If you cause injuries or other losses to another person, the liability portion of your boat insurance policy may provide you with financial support. That includes providing you with coverage up to the limit you have for any claims made against you. For example, if someone on your boat suffers an injury due to a defective component on the structure, your policy may cover their medical bills.

In some situations, a person may seek legal action against you in court. In this case, your boat insurance policy may provide you with support for fighting those claims. It can help cover the legal expenses you have of hiring an attorney to refute or minimize the claims against you. Since attorneys can be very expensive, which can be critical to protecting your financial future, be sure the insurance policy you have in place is comprehensive enough to minimize risks to you.

Let Us Help You Protect Your Financial Well-being

The right boating insurance in Pembroke Pines, FL, is critical. Count on McCormick Insurance Inc. to help you protect your boat from any claims made against it with a customized policy that fits your risks. Contact our team now for a quote to learn more about coverage options.

Florida law requires residents of Pembroke Pines, FL, to obtain minimal liability coverage for their RVs. This ensures that third-party medical and property repair bills are covered if your RV is at fault for an accident. However, you’ll likely want more than the bare minimum to ensure your vehicle is fully covered. Comprehensive coverage can provide compensation for multiple forms of damage and loss, making it a wise investment for a valuable vehicle and/or a vehicle that’s used on a very regular basis.

Weather-Related Incidents

Are you concerned that a flood, hurricane, storm, hail, or tornado will damage your valuable RV? If so, comprehensive coverage can offer peace of mind. This form of insurance covers any damage caused by natural weather events. 

Collisions with Animals

Estimates show that up to two million vehicles collide with large animals every year. Even careful drivers may find it difficult, if not impossible, to swerve in time if a large animal suddenly steps onto the road. Comprehensive coverage offers compensation if your RV is damaged after a collision with any animal. 

Theft and Vandalism

An RV is a valuable investment that you’ll want to protect at all costs. Comprehensive coverage will ensure you don’t lose tens of thousands of dollars if your RV is vandalized or stolen. 

Contact McCormick Insurance Inc. for Insurance Assistance

McCormick Insurance Inc. specializes in meeting the needs of RV owners in Pembroke Pines, FL. We provide multiple RV insurance policy options to ensure your RV has the coverage that best meets your needs. Contact us today to find out more about RV insurance or to request a quote for an RV insurance policy.

Builders’ risk insurance and vacant remodel insurance protect materials used to build or update a structure. Review the coverage that each type of insurance provides. Then, select the one that is right for your upcoming construction or remodeling project.

Builders Risk

Builders’ risk coverage protects a construction project. It protects the structural materials being used and may also protect fixtures, fittings, and other accessories installed during the construction process.

Builders’ risk coverage is beneficial for projects involving structural changes. For instance, if an existing structure is going to have an additional room built onto the end of it, a builder risk policy would provide the level of protection needed during the construction process. 

Vacant Remodel

Vacant remodel coverage provides protection during a remodeling project. This type of coverage is beneficial for projects that will require modifying an existing building. However, vacant remodel coverage is only adequate for projects that will not involve any structural changes.

Terms

After choosing the type of insurance you need, decide how long you would like your policy to be active. Consider the type of project that you are going to be completing.

Factors such as inclement weather and other things could disrupt the project. Ensure that your insurance policy provides adequate protection throughout the construction project or remodeling process.

Contact McCormick Insurance Inc.

Both builders’ risk coverage and vacant remodel coverage will protect materials during an active project. Consult with one of our agents in Pembroke Pines, FL. A McCormick Insurance Inc. representative will match you with an insurance product that provides enough protection.

Depending on your specific situation, you may want or need more insurance coverage than a typical policy provides. If you’re in the Pembroke Pines, FL area and have concerns about your level of coverage, McCormick Insurance Inc. can help. We’ll review your policies with you, and help you decide if excess insurance is the right choice. This differs from an umbrella policy and may provide better protection for your needs.

Excess coverage expands the limits you have on your policy, so you have more protection from claims. Most people think it’s the same as umbrella protection, but it’s not. The difference is that excess is focused on the actual policy and its expansion, whereas the umbrella is a separate policy that’s overarching and designed to come in after any of your covered policies have reached their limits. Umbrella also expands policy terms, while excess only expands coverage limits.

In short, your policy’s exact terms won’t change at all if you have excess coverage. The only difference is that your coverage limits will increase. Contractors and businesses generally use this kind of coverage because they want more protection for higher claims. If you’re operating a business and looking for additional protection and peace of mind, working with an agent can give you the support you’re looking for.

Contact us today at McCormick Insurance Inc. if you’re in the Pembroke Pines, FL, area and looking for excess insurance. We understand the importance of having enough coverage to feel secure no matter what kind of company you’re operating or the type of job you do. The first step to making sure you’re protected is to get in touch with one of our agents for a policy review.

Boat Insurance: Secure Your Refurbished Boat in Pembroke Pines, FL

Refurbishing your boat not only enhances its appeal but also increases its value. This enhancement invariably necessitates a reevaluation of your current boat insurance coverage. And who better to guide you through that than an expert agent at McCormick Insurance Inc.?

Highlighting the Importance of Boat Security

Refurbishing often includes integrating advanced security features, offering added protection against theft, vandalism, and natural disasters. Detailed documentation on these upgrades will help modify your insurance policy to capture these enhancements adequately.

Insurance Implications of New Structural Materials

Refurbishment may introduce new, costlier structural materials to your boat. These materials should be included in your updated insurance policy as they are prone to theft and damage. Therefore, it is vital to keep a thorough record of them.

Mitigating the Risks of New Equipment

Some of the fascinating upgrades in refurbishment are usually the new equipment. Navigational devices, light fittings, and more are also exposed to threats such as theft, vandalism, and damage. A comprehensive list of these additions can help modify your boat insurance policy efficiently.

McCormick Insurance Inc. – Your Trusted Partner

At McCormick Insurance Inc. in Pembroke Pines, FL, our commitment goes beyond standard business transactions. We care about your refurbished boat and its security as much as you do. Consult with our experienced agents. Let us help you navigate through the insurance modification process, ensuring your precious asset gets the coverage it deserves.