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Coverage Category: Personal Insurance

Condo Insurance

Condo insurance

Looking for Condo Insurance in Miami?

EnsureUp has you covered!

Condo insurance (also referred to as an H0-6 policy) covers your condo unit where your condo association insurance stops. Your association typically insures the physical structure/building and other common areas.

Association by-laws vary, but condo owners are generally responsible for the interior of their unit, or from the drywall in. Things like your floors, walls, cabinets and fixtures that your association’s insurance likely doesn’t cover.

Getting a copy of those by-laws is a good idea so you can understand what your responsibilities are in the event of a claim. We can help you understand the fine print.

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Condo Insurance
town-homes insurance

Condo insurance for Town-homes

It’s also important to understand that some town-homes are insured like condos, and therefore require an H0-6 policy.

If you live in a town-home, be sure that you have the correct type of insurance.

EnsureUp is here to help you understand the differences between a homeowners policy and a condo policy.

How to get started on your quote

To get started on your quote.

Contact Here
Get a Fee Quotes

Either way we’ll make the process simple!

condo policy









    Life Insurance

    Life insurance

    Looking for Life Insurance in Miami?

    Life insurance is not only the cornerstone of a solid financial plan, but it’s hands down one of the most cost-effective ways to protect the people who depend on you financially.

    What would happen to your family if you were to die prematurely? Would they be able to maintain their current lifestyle?

    Would your kids be able to go to college? Would your spouse be able to shoulder the load with one income?

    If you have a child, are married, or you are carrying any kind of debt, purchasing life insurance is a no-brainer.

    If all three, well, hopefully, you already have life insurance. Here are a few other reasons to have life insurance though:

    • charitable donations
    • pay federal death and estate taxes
    • create an inheritance for your heirs
    • pay final expenses
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    Life insurance
    life insurance policy

    We make buying life insurance easy

    At EnsureUp, we make the process of buying life insurance extremely simple.

    We have access to a wide range of life insurance companies so we can survey the marketplace and based on your individual rating criteria, find the best possible life insurance policy at the best price.

    When purchasing life insurance there are a few things to consider. Do you want Term Life Insurance or Whole Life?

    If you don’t understand the difference that’s okay. That’s what we’re here for.

    Life insurance is based on two main variables — your age, and your health.

    How much life insurance do I need?

    A mistake that we often see people make is basing their life insurance coverage on a guess, or just grabbing a number out of thin air without realizing what the impact of inflation could have on their life insurance proceeds.

    One of the benefits of working with an independent agent like us is that we can sit down, and through a comprehensive needs analysis, determine the exact amount of coverage you will need to protect the people who depend on you.

    The amount of coverage you need depends on a number of different variables. Here are a few examples:

    • how many children you have
    • your future earnings potential
    • whether or not you’re married
    • spouses future earnings potential
    • you and your spouse’s age
    • amount of debt you have
    Term Life Insurance

    How to get started on your Life Insurance quote

    To get started on your quote.
    Contact Here
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    Either way we’ll make the process simple!

    Health Insurance









      Automobile Insurance

      Auto insurance

      Looking for Auto Insurance in Miami?

      EnsureUp has got you covered. We can help you with standard auto insurance, as well as car insurance for collector cars.

      Whether you live in Miami, or any other part of Florida, when most people think about car insurance, they think about damage to their car. The truth is, car insurance covers much more than just your car.

      Given the sheer amount of cars on the road and the distractions drivers deal with every day, the chances of being involved in a car accident are plentiful.

      You’re at risk every single time you get into your car.

      It’s important to understand what your coverage options are — not just for your car, but for you, and people who may be injured as a result of your negligence.

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      car insurance
      Auto Insurance Coverages

      Having adequate Car Insurance limits is serious business

      If you were ever involved in an accident, and found to be at-fault for someone else’s bodily injuries, you could literally lose everything if you’re not properly insured.

      What a lot of people don’t realize is, having great coverage doesn’t necessarily mean having higher insurance premiums.

      Because EnsureUp is 100% independent, we can take your current coverages and compare them with a wide range of insurance providers to see who offers you the best deal possible.

      The best part? It doesn’t cost you a penny more to use us. We are compensated by the insurance carriers directly, and work on your behalf to properly cover your needs and exposures, and make sure that there are no hidden gaps in your policy.

      No two insurance contracts are the same, and while two policies side-by-side might look the same, the fine print behind the cover page can vary drastically from company to company.

      This means you need someone who truly understands policy contracts, like us, to sort through the exclusions and conditions for you, so you can rest easy knowing that you have the best possible coverage at the best price without having to learn legal jargon.

      Important Auto Insurance Coverages

      When you browse through your policy, you may see certain coverages and wonder exactly what they are, and why they’re on your policy.
      Let us clarify a few of the more important ones for you:

      Collision Coverage

      This is the part of your policy that covers your car in the event you damage the car itself somehow, as a result of an accident with a fixed or moving object like another car, a curb, a house, a guard rail, etc..

      Comprehensive Coverage

      This coverage also protects your car, but in the event that something else damages your car, that is not a fixed, or moving object. For example, theft, a rock that cracks your windshield while you’re driving on the highway, an animal you might hit, and so on.

      Property Damage

      Suppose you damage someones car in an accident, or a guard rail, house, or some other property that belongs to someone else. This is the part of your policy that compensates the other person for that damage

      Bodily Injury Liability

      This coverage protects your financial interest in the event you injure another party in an accident. This is the part of your policy that pays that other party for their medical bills and related expenses. Due to the high cost of medical care, it’s dangerous to carry liability limits that are too low. This is something we can help you decide on.

      Un-insured & Under-insured Liability

      This coverage pays you, in the event that you are injured by another party, and that other party was either unidentified, or they weren’t carrying a high enough limit of Bodily Injury Liability to cover your expenses. This is also a very important part of your auto policy because you have zero control over how much insurance other people are driving around with.

      Common Auto Insurance Rating Variables

      Age

      insurance companies use your age in their overall rating algorithms. Drivers who are under 25, and over 65 typically don’t get preferred rates because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss due to an auto accident

      Driving History

      your driving record and loss history plays a substantial role in the price. If you have a spotty driving history, or multiple moving violations or accidents, chances are, you won’t get a preferred rate until those things are at least 3 years old

      Household

      insurance companies underwrite at the household level, meaning they try to judge based on the entire household, what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that will impact everyone’s pricing in the household

      Credit

      credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be

      Car

      the type of car, engine size, safety features, etc.. are all part of determining the rate

      How to get started with your car insurance quotes

      If you live in Miami and are looking for a car insurance comparison, EnsureUp makes the process of finding the best company and price easy.

      We do all the heavy lifting for you!

      To get started, complete the fields below to send us some basic information about your needs so we can get started on your policy review and comparison!

      How to get started with your homeowners quote:

      To get started on your quote.
      Contact Here
      Get a Fee Quotes

      Either way we’ll make the process simple!

      Rental Property









        Umbrella Insurance

        Umbrella insurance

        Umbrella Insurance is critical to your insurance plan

        If you were found negligent or liable for someone else’s bodily injury or death, would you have enough insurance to protect your assets?

        Umbrella insurance is a stand-alone liability policy that provides an additional limit of liability over and above your underlying liability limits that are already on your homeowners and auto insurance policies.

        Life can be unpredictable and as much as we plan for the best, sometimes the worst can happen. This is where umbrella insurance comes into play and provides you with additional coverage that goes above and beyond to protect your assets.

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        Umbrella Insurance
        Umbrella policy

        Umbrella Insurance example scenario

        To get a better sense of what Umbrella Insurance is and how it would work in a real life situation, it helps to think about it in action.

        Say you’re held liable for causing a car accident with multiple vehicles, and the cost to cover the damages and injuries is $850,000. However, the liability limits on your Auto policy are only $300,000.

        In this case, your insurance would pay only $300,000 for the entire accident, and you would be responsible for the remaining $550,000 out of your own pocket!

        With an Umbrella policy, however, you could extend your liability limits beyond the maximum provided by your underlying policies. In this case, an Umbrella policy would provide liability limits above the $300,000 limit of your Auto policy, up to the limit you choose for your Umbrella policy (typically anywhere from $1 million up to $5 million in coverage).

        In other words, you wouldn’t be left paying the remaining $550,000.

        More examples…

        • your dog bites a neighbors child
        • fire at your condo spreads to other units
        • accident at your rental property

        How much does Umbrella insurance cost?

        One of the things that makes Umbrella insurance so appealing, and almost a no-brainer in most situations, is that the cost is generally very low.

        Most insurance carriers offer coverage starting at around $150 per year. The cost of your policy goes up based on the amount of cars and homes you need it to overlay, but in general the cost is pennies on the dollar, and all the risk is on the insurance company.

        Even if your premium was $300/yr, the insurance company is on the hook for at least $1,000,000. That is a tremendous value, and something that everyone should think about given the litigious nature of our society.

        Umbrella Insurance Cost

        It only takes one accident to potentially bankrupt yourself

        If you don’t have enough coverage, and in a world where medical expenses are sky rocketing, it only make sense to think about purchasing Umbrella insurance.

        To get started with your quote, call our office, or click over to our quotes page and our team will shop the marketplace to see who offers the best coverage.

        Keep in mind that most insurance carriers require that you have at least your auto insurance policy with them in order to qualify for their umbrella.

        Stand alone umbrella policies are available also for special situations.

        How to get started with your homeowners quote:

        To get started on your quote.
        Contact Here
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        Either way we’ll make the process simple!









          Pet Health Insurance

          Pet Health Insurance

          Looking for Pet Health Insurance in Florida?

          Just like everyone else in your family, pets get sick sometimes. In fact, one in three pets will need unexpected veterinary care each year. And it isn’t just older dogs and cats, either. According to 2010 Petplan claims data, dogs under the age of one are actually 2.5 times more likely than their older brethren to have an unexpected visit to the vet. And while every parent wants to provide their pets with the best care possible, sometimes the high costs can force you to ask your vet for less expensive alternatives. Pets bring great joy to a family, but they can also be very expensive to care for.
          Dog & Cat
          As pet parents, we want to provide our dogs and cats with the best possible care, no matter what. But when accidents and illnesses come up unexpectedly, the costs can quickly run in to the hundreds, and even thousands, of dollars. Pet insurance gives you the peace of mind that, in the event that your pet becomes sick or injured, your expenses will be covered. As technology has improved in recent years, so has the overall quality of veterinary care. However, these improvements have resulted in higher costs and tougher decisions for pet owners. The last thing EnsureUp wants is for you to have to forgo a potentially life-saving surgery for your family pet, because you cannot afford it.
          Contact Us

          How to get started on your Pet Insurance quote

          To get started on your quote.
          Contact Here
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          Either way we’ll make the process simple!

          Best Care For Dog









            Homeowners Insurance

            Homeowners insurance

            Need a Homeowners Insurance comparison in Miami?

            If you’re like most homeowners in Miami, your home is your most valuable asset, and should be protected as such. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands the importance of the place you call home.

            EnsureUp can help you find the best homeowners insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and competitive pricing.

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            Homeowners insurance policies

            Note: if you are looking for homeowners insurance for a rental property, or home that is un-occupied, you cannot use traditional homeowners insurance. You need a “specialty dwelling” policy which we can also help you with.

            Regardless of whether you live in Miami or any other part of Florida, homeowners insurance is one of the most important insurance policies you could ever own.

            It’s important to understand that no two homeowners insurance policies are created equal though. Different insurance companies offer different levels of coverage, different endorsements and riders, and have different conditions and limitations.

            Property insurance

            Miami Homeowners Insurance

            If you’re not using an independent agent in Miami like us, it can be hard, if not impossible to tell the difference between two homeowners insurance policies.

            Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

            Homeowners insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

            Common Homeowners Insurance Coverages

            These are some common coverages you typically see on a policy:

            Dwelling

            This is the portion of your policy that covers the actual structure (main house). The cost to replace your home can fluctuate from time to time based on the cost of raw material and labor, and of course, supply and demand. We’ll run a replacement cost analysis on your home to see how much it would actually cost if the worst happened and you had to rebuild.

            Other Structures

            This covers any structure on your property that is not permanently attached to your house, like fencing, driveways, sidewalks, and detached buildings like sheds and garages. Usually this coverage is 10% of whatever your Dwelling limit is, but can be increased if you need more coverage.

            Personal Property

            This covers all of your personal belongings like clothing, furniture, electronics, and appliances. Basically anything that would fall out of your house if you turned it upside down and shook out the contents.

            Loss of Use

            This covers your living expenses if you need to live somewhere else temporarily because your primary home is uninhabitable due to a loss.

            Medical Expense

            This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.

            Family/Personal Liability

            Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued. In some situations, an Umbrella policy may be necessary to provide extra coverage.

            How to get started with your homeowners quote:

            To get started on your quote.
            Contact Here
            Get a Fee Quotes

            Either way we’ll make the process simple!

            Rental Property









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