“Proudly serving Miami, Miami Springs, Key Biscayne, Doral, Coral Gables, & Hialeah”
Coverage's Available
Please select from the list below:
Homeowners Insurance
Renters Insurance
Flood Insurance
Umbrella Insurance
Boat/PWC Insurance
Condo/ Co-op Insurance
Auto Insurance
Commercial Insurance
Motorcycle Insurance
Health Insurance for Employers & Organizations
Wind Insurance
Aviation Insurance
Ocean Cargo
Trucking
Restaurant
Global Risk
Condo Association Insurance
Homeowners Insurance
Nothing can bring a real sense of security into the home like knowing it is protected with the best homeowners insurance available to you. Let us at Coastal Insurance Group find you the coverage that can assure you that your home and prized possessions are protected. Turn to us for the best coverage at the best rates in South Florida. Get an online quote for your homeowners insurance today!
Homeowners Insurance 101
Got questions? We have answers!
What does homeowners insurance cover?
While each policy differs in coverage, homeowners insurance usually provides protections for:
Any damage, unless otherwise specified, to your home, permanent structures on the property and/or damage to personal property. Coverage is dependent on the cause of reported damage and is outlined in your policy. You can also obtain limited protections for your most valuable items such as electronics and jewelry.
What payment options are available to the consumer?
Homeowners insurance can be paid in a variety of ways. The most common method of payment and typically required by lenders is incorporating your premium payment into your monthly mortgage payment. If you opt to pay your insurance separately we at Coastal Insurance Group can provide you with a variety of convenient payment options.
Is there a way to get a discount price on my homeowners insurance?
Yes! You can qualify for huge savings just by protecting your home. Does your house qualify?
Let’s see if your home is discount ready, do you have:
- A monitored alarm system?
- Working and up to code smoke detectors?
- Deadbolts on the doors?
- A sprinkler system?
If you answered yes to these questions you may qualify for a discounted premium.
What if I rent out my home, what type of insurance do I need for my tenants?
As a landlord you are required to purchase a very specific type of insurance known as a Dwelling Fire policy. Our agents can provide you with more information and competitive quotes for this type of insurance coverage.
We also encourage your tenants to look into Renters Insurance.
Need more information? We’re here to answer all your questions! There is a Coastal Insurance Group licensed agent ready to serve you Monday – Friday 8:30 am – 5:00.
Renters Insurance
Did you know that your landlord’s insurance does not protect your personal belongings? Don’t fret there is a solution, renters insurance! If you’re shopping for renters insurance we’re just the insurance company to help you protect your personal property. Regain your peace of mind and get a free online renter’s insurance quote from Coastal Insurance Group or call us at 305-887-5999.
The 411 on Renters Insurance
Renters insurance provides a tenant protection of their personal possessions, coverage can include protection for:
- Electronics
- Apparel
- Jewelry
- Furniture
- Accidental injury
Along with you free quote, we can also assist you estimating the value of your person items in your rented home. Feel free to try out the personal property calculator.
You can save on your renters insurance! How? It’s Simple. You can be eligible for a discount if your residence has:
- A monitored security system
- Working and up to code smoke detectors
- Building security-monitoring the entry of guests & surrounding property
Get more information on how you can obtain affordable coverage with an online quote or call us at 305-887-5999. There is a Coastal Insurance Group licensed agent ready to serve you Monday – Friday 8:30 am – 5:00.
Flood Insurance
Looking to buy Flood Insurance?
Coastal insurance can assist you in finding the right flood insurance coverage. Whether you are required by Federal Law or if you aim to fully protect your home, our licensed agents can guide you every step of the way to ensure your home is protected from flood damage. Coastal Insurance Groups can help you purchase flood insurance through the National Flood Insurance Program, get a free online quote or call us at 305-887-5999.
Why is Flood Insurance important?
A flood can happen for a variety of reasons, none of which are under our control. Even if your home is not located in a flood zone it is possible to become the victim of flooding. While dealing with flood damage is never an easy task, having flood insurance provides you one less worry. In the many cases the federal government mandates you have flood insurance if you are paying a mortgage on a home located in a zone susceptible to flooding. However, more and more homeowners are looking into purchasing flood insurance as a precautionary measure.
What type of coverage is provided by Flood Insurance?
Flood insurance provides coverage to your home and personal effects affected by flood damage. There are many variations of water related damages so it is crucial that you have the best possible coverage. Rest assured that our licensed agents will make sure you are properly insured with insurance coverage that won’t leave you washed up.
What payment options does the consumer have?
Flood insurance does have to be paid in full but in many cases the payment is incorporated into your mortgage.
Get more information on how you can obtain affordable coverage with an online quote or call us at 305-887-5999. There is a Coastal Insurance Group licensed agent ready to serve you Monday – Friday 8:30 am – 5:00.
Umbrella Insurance
It sure is frustrating to be caught in a rain storm without an umbrella; the same can be said when dealing with an unfortunate situation in which expenses surpass your insurance coverage amounts. Umbrella coverage exists to provide that extra protection during life’s rain storms.
Accidents happen and sometimes they can result in a financial catastrophe for you. Even with insurance, a car accidents or slip in fall can result in expenses far beyond your insurance coverage limits. You may be liable for a large amount of expenses but with Umbrella Insurance you can protect yourself from such a situation. Umbrella insurance is coverage that kicks in once your primary insurance coverage runs out. It also can offer coverage for many situations that may not be covered by typical liability policies.
Not sure if you need umbrella coverage or how much coverage you need, we can help!
Umbrella coverage limits range from $1 million to $10 million. Deciding the type of Umbrella Insurance you may need can be determined by following these quick steps:
- Add up your assets. This includes value of your home, cars, recreational vehicles, the amount of money tied up in your bank account, bonds, stocks, 401K and other valuable belongings.
- Review the liability coverage on the items you have insured.
- Determine if your current liability policies cover all your assets.
If you determine that you do not have ample coverage for all of your assets then it is time you look into Umbrella Insurance. Our licensed agents are here to answer all your questions and provide you with a free quote for the best type of coverage that best suites you. We will guide you through the type of coverage’s available and discuss a variety of payment options.
Call us today at 305-887-5999, there is a Coastal Insurance Group licensed agent ready to serve you Monday – Friday 8:30 am – 5:00.
Boat/PWC Insurance
There’s nothing like a day out on your boat or a fishing trip to take all your worries away but before you set sail make sure you don’t have to worry about your boat insurance. Ensure your boat is as protect on land and in the water by purchasing boat insurance from Coastal Insurance Group, get your free boat insurance quote right now!
Save $$$ on your Boat Insurance! You may qualify for a discount if you:
- Have a clean driving record
- Passed a boating safety course
- Boat is for fresh water use only- non seafarers
- Have an optional winter lay-up
Personal Watercraft Insurance
While you purchase boat insurance don’t forget to ask your insurance agent about insuring all your other water recreational vehicles. Make sure all your water toys are protected!!!
Get more information on how you can obtain affordable coverage with an online quote or call us at 305-887-5999. There is a Coastal Insurance Group licensed agent ready to serve you Monday – Friday 8:30 am – 5:00
Condo/ Co-op Insurance
Living in a condo or co-op has many perks, one being that insurance is a worry for the condo association, or is it? In actuality there’s a possibility that the master policy your condo association or co-op corporation has purchased does not cover your personal belongings or the interior walls of your unit and this is definitely something for you to worry about. Don’t worry, we have the solution, condominium or co-op insurance.
With condo or co-op insurance you can have the peace of mind that your personal property is protected. This type of insurance helps you in case of a fire or a burglary, it insures your interior fixtures and protects the insured from any accidents that can occur inside the unit. It’s a must have for those enjoying the comfort of condo/co-op living.
Avoid paying too much!
When you call Coastal Insurance Group we will discuss the special discount programs available to condo residents. A few additional features in your unit can help you save on your insurance costs, ask us for more information.
Also ask us about the various payment plans we offer!
Get more information on how you can obtain affordable coverage with an online quote or call us at 305-887-5999. There is a Coastal Insurance Group licensed agent ready to serve you Monday – Friday 8:30 am – 5:00.
Auto Insurance
With so many automobile insurance companies out there it is hard to decide which one is best. You’re in luck though because we’re here to help! We’re here to make your auto insurance purchase an easy one, presenting you with the quotes and coverage that best suites you!
Checkout all of the automobile coverage plans available to you or call one of our licensed insurance professionals at 305-887-5999.
Auto Insurance Payment Options
Coastal Insurance Group can offer you a variety of payment plans. You have the option to pay your insurance in full or in installments. Ask your customer service representative about payment methods available to you.
Auto Discount Program
Coastal Insurance Group aims to save you money on your auto insurance premium. Discounts are available to:
- Safe drivers with a good driving record
- Mature drivers
- Military personnel
- Multi-car families
After purchasing your automobile insurance policy you will have access to your policy 24 hours 7 days a week.
Manage your auto policy online! It’s just a click away…
Log in to your account to:
- View your car insurance documents
- Change your coverage levels
- Add or remove vehicles from your policy
Real help from a real person- 24-hour customer service help line
When our online service is not enough, you can contact one of our customer service representatives anytime! Call 305-887-5999 to discuss:
- Your policy
- Coverage levels
- Claim processing & handling
Commercial Insurance
Being a business owner is a challenge let us at Coastal Insurance Group take insurance out of the equation and make it one less worry. Our team of professional insurance agents is here to serve all your commercial needs by providing you with the most extensive, comprehensive commercial packages at the best possible price. Turn to us for a free business insurance analysis and insurance quote. Call us today!
Commercial Auto Insurance
When your automobile is your money maker there is nothing more important than making sure it is protected with automobile insurance. Coastal Insurance Group can provide you with the most competitive rates for your commercial automobile of fleet of cars.
General Liability Insurance
As a business owner you are aware that, as precautionary as one can be, accidents do happen. Whether it was something your company did or failed to do that resulted in bodily injury or property damage, the reparation cost can be astronomical and in some cases force a company into bankruptcy. Purchasing General Liability Insurance can be that lifeline that your company will need in the event of such an accident.
This type of insurance can be purchased alone or combined with a commercial insurance package. Our licensed professionals are here to advise you on the type best coverage for your company and provide you with a free quote.
Business Property Insurance
Protecting your business assets is crucial for the security of corporation; purchasing Business Property Insurance is a step in that direction. This type of insurance provides coverage to your business property, which may include buildings, business property signs and glass. Business Property Insurance premiums are dependant of many variables, which we can evaluate to provide you with a free quote today. Call or complete a request online today.
Equipment Floater Insurance
Equipment Floater Insurance is in place to provide coverage to the business owner who has equipment that moves from one location to another. For example, construction companies use this type of insurance to provide coverage for their construction equipment. This type of insurance can provide coverage from many perils. Call us today to see if this insurance type can benefit your company.
Workers Compensations Insurance
As a business owner you know that your employees are your prized assets and obtaining workers compensation insurance is key to protecting your company and employees. This type of insurance provides medical and partial wage replacement to an employee if injury were to incur through a work related activity. Workers Compensation also provides protection to you, the employer, if a threat of a civil lawsuit arises in the event of a work related injury.
Along with a free quote, we can assist you with processing the documentation required from The Florida Department of Financial Services, Divisions of Workers Compensation. The state of Florida requires a corporation to submit an application for election of coversage or exemption of coverage. These applications have specific requirements and may require submission of additional documentation. Applications and instructions are available at the Division’s Web site at www.MyFloridaCFO.com/wc.
Crime Insurance
Did you know there are types of theft not covered by your commercial property policy? Theft of money, computer fraud and employee dishonestly are usually not covered or are minimally covered. In order to remedy this need for coverage insurance companies offer Crime Insurance. Our licensed insurance agents can provide you with more information on the Crime Insurance policies and provide you with a free quote. Fully protect your company today!
Employee Practices Liability
Like workers compensation employee practices liability offers protection to the employer but in this case it provides coverage from liability arising out of claims for injury to an employee because of an employment-related offenses. This policy type offers your company protection from a case that may arise and also coverage for the cost of defense. Our licensed insurance agents can provide you with more information and give you with a free Employee Practices Liability quote.
Commercial Umbrella
Unfortunately the extent of loss suffered from any type of catastrophic event can sometimes surpass the coverage limits of your primary insurance. By purchasing Commercial Umbrella Insurance you can add additional limits to your general liability, automobile liability and employer’s liability. This coverage kicks in where your underlying coverage ends. Call us for a free quote today! Our professional licensed agents are standing by to answer your questions and provide you with a free quote. Call us today at 305-887-5999
Professional Liability
Professional Liability is insurance attained to cover a business’ liability that may result from rendering or failure to render services of a professional nature. Types of professional liability include Medical Liability and Errors and Omissions. General Liability may exclude this type of coverage in such a case Professional Liability can be purchased on a separate policy. Our professional licensed agents are standing by to answer your questions and provide you with a free quote. Call us today at 305-887-5999
Bonds, Bond Insurance
Surety bonds we offer:
- License & Permit
- Subrogation
- Performance & Payment
- Court
- Financial Guarantees
- Miscellaneous Guarantees
Bond Insurance offered:
- Fidelity Bonds
- Contract Bonds
- Errors & Omissions Insurance
- Directors & Officers Insurance
A variety of bonds can be issued up to $50,000, regardless of credit (does not apply to contract, court, and subdivision bonds).
411 on Surety Bonds
Surety bonds are three-party agreements in which the issuer of the bond (the surety) joins with the second party (the principal) in guaranteeing to a third party (the oblige) the fulfillment of an obligation on the part of the principal.
Obligee:
The party (person, corporation, or government agency) to whom a bond is given. The obligee is also the party protected by the bond against loss.
Principal:
The individual who is required to be bonded by the obligee.
Surety:
A person or institution that guarantees the acts of another person or institution.
Motorcycle Insurance
Whether it is your primary mode of transportation or for leisure it is important to provide the best coverage for your motorcycle. Coastal Insurance Group can provide you with a quick and competitive quote for your motorbike. We offer great rates for sport bike, cruiser, standard, touring bike, custom motorcycles or your scooter.
Get free motorcycle insurance quotes anytime.
Coastal Insurance Group can provide you with optimal service, we offer:
- Outstanding customer service
- Affordable premiums and flexible payment plans.
- Secure online payment and account management.
- Discounts!! We can help you save money if you:
- Insure more than one motorcycle.
- Renew your motorcycle policy.
- Complete a Motorcycle Safety Foundation or Military Safety Course.
- Are a mature rider.
Health Insurance for Employers & Organizations
Coastal Insurance Group is here to serve your business by assisting your company in customizing health benefits/insurance plans that best suit your business and employees. Call us today for a free quote, we here to ensure your company gets the appropriate care!
Wind Insurance
South Floridians are all too familiar with the issues that arise from severe weather, particularly hurricanes. We have learned the importance of proper insurance coverage and we here at Coastal Insurance can provide you with the needed protection.
Standard homeowner insurance excludes coverage for hurricane damage, which is why it is important to protect your home with Wind Insurance. Wind Insurance is coverage for natural events where winds above normal levels directly damage your home. In cases where your home may endure wind damage your wind insurance policy will take effect. In the State of Florida homes located in pre determined areas are required to purchase Wind Insurance but as we all know anyone can fall subject to the wrath of severe weather. Call Coastal Insurance today and allow us to provide you a free Wind Insurance quote.
Aviation Insurance
Coastal Insurance Group is an agency of independent insurance brokers that can provide an array of aviation insurance products for your business. We specialize in:
- Private business or pleasure aircraft
- Hangar Insurance
- Workers Compensation
Call us today for a free quote! We are here to serve all your corporate and personal insurance needs.
Ocean Cargo
Those involved in exporting ocean cargo are very well aware that cargo can fall subject to a variety of issues that can prove devastating to each business involved. Ocean Cargo insurance has spawned from the need to protect all parties who have insurance interest in a cargo shipment. In the event of loss or damage to goods, cargo insurance indemnifies the exporter or importer. It allows traders to proceed with confidence in the knowledge that each party to the transaction is properly protected. Our licensed professionals can compile a marine cargo insurance policy can to meet the individual needs of the exporter or importer in an international transaction.
Trucking
Coastal Insurance Group can offer your company with superior coverage at affordable rates for all types of local and long distance commercial truck insurance. Call us today to learn more about the type of coverage available to you and for a free quote!
Commercial Coverage available:
- Primary Liability
- Physical Damage
- Cargo Insurance
- Trip Transit Cargo Coverage
- General Liability
- Non-Trucking Liability Insurance
- Workman's Compensation
- Occupational Accident Insurance
Restaurant
Coastal Insurance Group is here to cook up an affordable insurance package that can best suite your restaurants needs. Our licensed professionals can assume the responsibility of your insurance worries and allow you to focus on your patrons and culinary art. We offer an array of insurance coverage’s available, such as:
- General Liability
- Liquor Liability
- Workers Compensation
- Food Contamination Insurance
- Loss of Business Insurance
- Specific Peril Insurance Property Insurance
- Employee Benefit Liability
Call us today for your free quote!
Global Risk
As a business owner it is understood that a company is susceptible to many risks. At Coastal Insurance Group our expert staff can provide products and services that can help alleviate that concern and provide proper coverage for your company. Global risk can help protect your company in many aspects, such as safety and loss prevention. We also specialize in prompt and effective handling of international claims in the event of loss. Call us today for a free commercial risk analysis and quote. We dedicate ourselves to Commercial Insurance and are here to provide excellent customer service.
Condo Association Insurance
The South Florida lifestyle invites many to the lures of condo living. As an association you are constantly working on maintaining that appeal and accommodate condo owners. Coastal Insurance Group is here to work with your association and fulfill your legal requirement of obtaining Condo Association Insurance. We can provide your association with an array of services at competitive prices.
Condo Association Insurance Coverage can include:
- Property Insurance
- Liability Insurance
- Directors & Officers
- Casualty
- Umbrella
Call us today for more information and a free quote.
