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What is full-time motorhome insurance, and who needs it?

Although many think full-time motorhome coverage applies only to those who stay in their motorhome 365 days per year, the standard is 150 days per year. Unfortunately, that misconception means many motorhome owners lack the proper coverage. If this sounds like you, our team at Americas Insurance Associates, which serves Florida, is here to help and ensure you have the motorhome coverage you need.

What Is Full-Time Motorhome Insurance?

Regular or short-term motorhome insurance is like auto insurance. It offers protection if you have an accident while driving:

  • Bodily injury (BI) and property damage (PD) liability for others
  • Comprehensive and collision for your motorhome
  • Medical payment coverage for you or your passengers injured in an accident 
  • Underinsured/underinsured motorist coverage

In effect, a short-term motorhome policy covers you while on the road but does not handle losses that occur during the many days and nights the motorhome is parked. A full-time motorhome policy does that by offering coverage similar to a homeowners policy, including:

  • Vacation Liability: Bodily injury (BI) and property damage (PD) liability for others in and around your parked motorhome
  • Personal effects: Clothing, electronics, and other belongings kept in your motorhome
  • Loss Assessment: HOA fees for losses to common areas
  • Emergency Loss: Temporary lodging while the motorhome undergoes repairs
  • Adjacent Structures: carports, decks

The time to ensure you have proper insurance coverage is before you need it, so act now to confirm you have the right coverage for your motorhome.

Working With Americas Insurance Associates

Your friendly team at Americas Insurance Associates, serving Florida, is ready to address all your insurance needs, including full-time motorhome insurance. So give us a call or stop in today to ensure you and your motorhome are appropriately covered.

3 Reasons You Need To Buy A Home Insurance Policy

Owning a home is an excellent reason to learn how to preserve it. After all, isn’t your home your castle? The first step in keeping it safe and secure is to analyze the reasons for purchasing a home insurance coverage. Here at Cary-Wheeler & Associates Inc., we have helped many homeowners just like you in Richmond, VA with all of their house insurance needs.

Here’s a quick rundown of three compelling reasons to purchase home insurance:

You Never Know What Could Happen

Even if you merely get the most basic home insurance policy, your property will be protected against a variety of potential threats. Most basic home insurance policies cover vandalism, tornadoes, hail or wind damage, fire, and other perils. Regardless of how hard you try to keep your home safe from disaster, Mother Nature may be cruel at times. However, having home insurance in place can provide you with peace of mind.

Protects Your Liability

What happens if someone enters your property and is injured? Who will pay for your medical expenses and any property damage? Even if someone has trespassed, you could be held liable if they are wounded on your property. Your liability is safeguarded by home insurance.

Some Lenders Require

If you have a mortgage on your house, the lender you used to secure the loan will almost certainly require you to get home insurance until the loan is paid off.

Reach Out To Us

Want to learn more about important reasons to protect your home in Richmond, VA or do you need help finding a home insurance policy for you? Here at Cary-Wheeler & Associates Inc., we have ample experience helping insure and protect homeowners in Richmond, VA and are happy to help you find a policy that meets your needs today! Give us a call so we can create your quote.

Benefits of Insuring Your Boat

Do you live in or near Florida? Do you own a boat? Is it insured?  If not, Americas Insurance Associates can help you. 

What is boat insurance?

It financially protects you from any damage or injuries you cause to others while boating. It also protects your boat and trailer if they are stolen or vandalized. Fishing boats, powerboats, pontoon boats, and other watercraft such as Jet Skis are all covered by boat insurance.

Boat insurance is similar to home insurance. If someone is hurt on your boat, you will be covered. You may obtain collision and comprehensive coverage for your boat in the same way that you can for your automobile.

If you are financing your boat, your lender may require insurance, and most marinas will require it if you moor your boat there. If your boat is stolen or totaled, you can choose between actual cash value and replacement cost coverage when selecting your coverage. The coverage you select determines your costs and how much the insurance provider will pay on a claim.

Boat docks are not covered by a boat insurance policy. If the dock is on your property, the homeowners’ policy will cover damage caused by hail, fire, lightning, or windstorms.

The amount of boat insurance you require is determined by various factors. The boat’s age, motor size, valuation, lender criteria, marina, state restrictions, and intended use. When choosing a coverage amount, it is a good idea to assess risk tolerance, budget, and personal assets.

Give Us A Call

Americas Insurance Associates can provide you with a no-obligation quote or answer any questions you may have regarding this coverage.  We understand the needs of boat owners in Florida and are ready to help create a custom policy that best suits your needs. Contact us today. You will be glad you did.

I already have homeowners insurance. Do I need flood insurance as well?

Having home insurance from Americas Insurance Associates is an important part of protecting your home and its contents, but it doesn’t necessarily mean that you are protected against flooding. In fact, since flood insurance is usually sold separately, there is a good chance your standard homeowner’s policy does not cover floods.

Why Flood Insurance?

Floods can cause extensive damage to your home and possessions, so it’s definitely worth considering investing in flood insurance as well. There are many factors to consider when buying flood insurance, such as the type of coverage that best suits your needs and budget, plus the likelihood of flooding in your area. Someone who lives in a mountainous area is less likely to need it than someone who lives here in Florida. Our land is often flat and wet, and many areas are prone to flooding, especially during a storm.

It may be worth doing some research into what kind of coverage is available in order for you to make an informed decision about whether or not you need additional flood insurance. Taking this extra step to protect your home and possessions can give you peace of mind that you have the right coverage in place if the worst should happen. So make sure you take a look into what kind of flood insurance you need today!

We Are Here To Help!

If you have any questions about your home or flood insurance policy or just want to explore your options, please give us a call at Americas Insurance Associates today. We are proud to serve Florida and would be glad to help you find a policy that meets your needs and your budget.

Own a Condo? Protect it With Condo Insurance

Are you a condo owner in Florida? Protect it with condo insurance provided by Americas Insurance Associates.

Benefits of Condo Insurance

Condo insurance is a blend of coverage that protects your investment against perils such as theft, fire, accidental injuries to visitors, and living expenses if you are temporarily displaced from your home due to a covered peril. Your condo insurance policy covers you for things that are not covered by a master homeowners association policy.

As the owner of a condo, you do not own the building or land your home sits on, but you still need good insurance for your condo and personal possessions. You cannot depend on the homeowners association (HOA) master policy.

Each condo owner requires their own insurance policy to be protected properly.  

A condo insurance policy covers:

  • ALE or additional living expenses, commonly known as “loss of use”, will help pay for extra living expenses such as meals, lodging, pet boarding, and laundry if you are unable to live in your condo due to a problem covered by your policy.
  • Interior walls – this helps pay for repairs to the inside walls of your condo. Other inside items such as cabinets and built-in bookshelves are damaged by a problem covered by the policy.
  • Liability coverage is for accidental injuries and damage to others’ property. Things such as a dog bite or your child kicking a ball through a neighbor’s window will be covered.
  • Medical payments to others will cover medical expenses for minor injuries that occur in your condo, like a visitor who slips and falls on a wet kitchen floor.
  • The personal property portion of the policy covers items such as furniture, electronics, clothing, kitchen utensils and appliances, jewelry, artwork, and musical instruments.

Reach Out To Us

If you own a condo in Florida or are thinking of purchasing one, contact the professionals at Americas Insurance Associates to obtain the coverage you need.

What Does Insurance Cover if Your Car is Stolen in Florida?

If your car has been stolen, it’s natural to be worried about the safety of yourself, your family, and the belongings that may have been left inside. But what does insurance cover if your car is stolen in Florida? Americas Insurance Associates explains how auto insurance works and what you can expect when it comes to the coverage of items that were in the car during a theft. 

Does Insurance Replace My Belongings That Were Inside When It Was Stolen? 

If you have comprehensive coverage, then most likely yes. Comprehensive coverage helps pay for damage caused by things other than a collision, such as fire, theft, or vandalism. This includes any items like jewelry, designer clothing, and electronics inside your vehicle when it was stolen. 

What About My Valuables? 

If you had valuables inside the car when it was stolen, such as jewelry or electronics, then this too will depend on what kind of policy you have purchased. Some policies provide an additional endorsement allowing for coverage of these higher-priced items up to a certain amount. Be sure to ask about this option when buying auto insurance so that you are fully covered in case of theft or damage from other causes. 

Contact Us Today

When considering an auto insurance policy in Florida, make sure it covers all aspects of protection for yourself and any belongings that may be inside your vehicle during a theft or other incident covered by comprehensive coverage. Contact our team of experts at Americas Insurance Associates and we can help you get the insurance protection you need for your valuables – wherever they may be.

What is recreational insurance?

When you purchase a toy like a Sea-Doo or jet ski for your Florida home, you also need to purchase recreational insurance from Americas Insurance Associates to cover it. A recreational policy covers vehicles not afforded coverage by your auto or home insurance for liability, property damage, and coverage of your own property.

Purchasing Recreational Coverage

You can add recreational insurance to either your homeowners’ policy or your auto insurance policy to cover many types of vehicles, including:

  • ATVs,
  • Campers,
  • Dirt bikes,
  • Dune buggies,
  • Golf carts,
  • Mopeds,
  • Motor homes,
  • Scooters,
  • Snowmobiles,
  • Trailers.

Which primary policy you choose to add this secondary policy to depends on how you will use the recreational vehicle. If you only plan to use the vehicle on your property, add it to your home policy. If you want to use it in public areas, add it to your home policy.

Like building a policy to cover your car or truck, you can build a custom policy by adding to it the coverage types that you need, including:

  • Collision coverage
  • Coverage for trailers used for transporting
  • Equipment coverage
  • Increased liability limits
  • Medical payments coverage
  • Safety apparel coverage.

You decide which items you add to your recreational insurance.

When Recreational Insurance Is Required

When you finance a recreational vehicle, such as an RV or boat, your lender might require recreation insurance for the life of your loan. To protect your finances, continue the coverage after you pay the loan, too.

Contact Us Today

Contact Americas Insurance Associates today for recreational insurance for your toys in Florida. We serve the state’s residents with the insurance they need to protect their financial security.

Why do I need renters insurance if my landlord already has insurance?

Most people think that if their landlord has insurance, they don’t need renters insurance. But this isn’t the case. Landlord insurance doesn’t cover everything, and even if it did, it may not best suit your needs to rely on your landlord’s policy instead of getting your own. Americas Insurance Associates is here to provide Florida renters a guide on this vital insurance coverage. 

Why do I need renters insurance if my landlord already has insurance?

Landlord insurance covers the building and property that is owned by the landlord. It does not cover the tenants’ belongings and may not cover any injuries that may occur on the property.

Renters insurance covers your belongings in the event of a fire, theft, or other disasters. This includes your furniture, clothing, electronics, and other personal items. It also provides liability coverage in case someone is injured in your home.

For example, if you have a party and someone gets injured, your renters insurance would help cover the costs. Renters insurance is affordable and easy to get. You can usually get a policy for less than $200 per year. And you can buy it online or through an agent.

Your renters insurance policy may provide coverage for rent if you are unable to work due to an injury or illness. Check with your insurance company through your Americas Insurance Associates representative to see if this is a covered benefit.

Get The Right Coverage Today

Whether or not your landlord has insurance, you should always have renters insurance for your own peace of mind and protection. So the next time you’re shopping for a new apartment, consider getting a policy before signing that lease!

If you have any other questions about renters insurance or any other type of insurance policies, give Americas Insurance Associates a call today. We proudly serve Florida.

Do I Need Motorhome Insurance in Florida?

Yes, you need motorhome insurance in Florida. Your motorhome is a big investment, and you want to protect it adequately. Insurance can help cover the cost of repairs or replacement if your motorhome is damaged in an accident or stolen. It can also provide liability coverage if you’re found at fault for an accident that injures someone else.

Is Motorhome Insurance Required in Florida?

Yes. Florida law requires that all drivers have at least the minimum liability insurance. This includes coverage for bodily injury and property damage. If you’re found to be at fault for an accident, your liability insurance will help pay for the other person’s damages.

However, if you have a loan, your lender will probably require you to have comprehensive and collision coverage. This type of coverage will help pay to repair or replace your motorhome if it’s damaged in an accident, regardless of who is at fault. It can also help pay for repairs if weather events, theft, or vandalism damage your motorhome.

How Much Motorhome Insurance Do I Need in Florida?

The minimum liability insurance requirements in Florida can vary depending on your needs. The best way to determine coverage is to work with your Americas Insurance Associates agent. We can help you assess risks and choose the right coverage for your motorhome insurance policy.

How to Choose Motorhome Insurance in Florida

There are a few different motorhome insurance coverages, and the amount of protection you need depends on factors like the value of your motorhome and how often you use it. You can talk to your insurance agent about what type and coverage are right for you.

Give Us A Call

Contact Americas Insurance Associates today for a free quote on motorhome insurance in Florida. We can help you find the right policy to protect your investment.

Am I required to purchase boat insurance in Florida?

Boat owners aren’t legally required to carry insurance in the state of Florida. However, boat insurance still has many benefits and may still be required in some situations. Our Florida team at Americas Insurance Associates is committed to helping boat owners understand the benefits of boat insurance and get the coverage they need most. 

Boat Insurance is Not Required in Florida, But You May Still Need It

If you’re financing your boat, it’s likely that your lender will require you to carry insurance, at least until you’ve paid off your boat. Lenders require insurance if something happens to the boat. Insurance would compensate the lender for the boat repairs or replacement if something happened to the boat before it was paid off. If the boat is collateral for the loan you took out, the lender usually requires insurance to cover physical damage to the boat. 

Even if you don’t have a boat loan, you may want to invest in boat insurance as a way to cover any physical damage your boat may sustain or any damage you may cause to other peoples’ property, or any injury to others while operating your boat. Insurance would cover the repair of your boat and any other financial obligation you might be required to cover for damage to other people’s property or injuries to others.

Many people would be unprepared to pay out of pocket for the repair of their boats, other peoples’ boats, or property, as well as injury to others.

Get Boat Insurance Today

If you have questions about different kinds of boat coverage, call us at Americas Insurance Associates in Florida. We can help you explore your options and find the best coverage for your boat. 


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