Click to Call
America's Insurance Associates

270 S Tamiami Trail
Venice, FL 34285

Get Directions
America's Insurance Associates Blog

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.


OUR PARTNERS

  • AAA
  • Allstate
  • American Traditions
  • Auto-Owners
  • CHUBB
  • Federated Natonal
  • Florida Family
  • Frontline
  • Hagerty
  • Heritage
  • Liberty Mutual
  • Nationwide
  • Progressive
  • SafeCo
  • SafePoint
  • The Hartford
  • Tower Hill
  • Travelers
  • Universal