How can an umbrella insurance plan protect me?

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People living in the Pinellas County area will need to make sure they are always covered by proper insurance. One type of coverage that all people should get is umbrella insurance. This type of insurance offers liability insurance and can be a good addition to anyone’s personal insurance plan.

This type of insurance can protect you in various ways that can make it a great investment

Offer Protection on Top of Home and Auto Liability Plans

Many people in this area will have some personal liability coverage in their home and auto insurance plans. These policies are designed to offer protection from accidents that can occur on the road or at home. While this can offer helpful coverage, each of these plans will have insurance caps. If you have an umbrella insurance plan, it will give additional coverage on top of your existing plans, which is helpful if you are named liable for a major claim. 

Cover Unique Risks

It can also be a good idea to get this insurance to cover unique risks. There are many liability risks that are not covered by standard auto or home insurance plans. To ensure that you are protected against these risks, having an umbrella insurance plan is helpful as it offers blanket coverage for practically any liability risk. 

Contact Us Today

If you live in the Pinellas County area, it would be a very good idea to get umbrella insurance. This is a beneficial type of insurance that will provide you with blanket insurance protection against liability risks. If you are looking for coverage in this region, it would be helpful to call the team from the Zenith Insurance Group. The professionals with the Zenith Insurance Group will offer the support that you need to understand all of your options. 

How Do I Know if I Need Flood Insurance?

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Flood insurance is an important type of coverage that will be offered separately from your home insurance policy. For this reason, you must carefully evaluate your location’s propensity to flood, and Zenith Insurance Group can help you with this determination. 

How Do I Know if I Need Flood Insurance?

Pinellas County homeowners are not required by law to obtain flood insurance, but a mortgage lender will compel you to purchase this protection if you live in a moderate to a high-risk area, especially if they are backed by the government. 

FEMA produces a flood map that will show you the topography of your area and is updated every few years to keep up with changes in climate, new housing developments, and differences in the landscape. 

This resource has data on the projected frequency of flooding, its severity, and potential elevations. Historical flooding is very important information to consider, as even a small chance of flooding can prove significant when that event is typically catastrophic. 

Identifying flood planes is vital, as this isn’t always obvious just from visual observation. You may live in a low-lying region that is prone to wet weather streams, or you may be at the bottom of a hill on a city street that does not have adequate drainage.

There may be culverts and ditches that overflow onto your property during heavy rains, or you may live near a river or stream. Gullies can fill past capacity, creating dangerous conditions that lead to flash flooding. 

Put Zenith Insurance Group to Work for You 

Pinellas County residents can count on us to meet their insurance needs, and we will do everything possible to properly insure you. Reach out to us by phone, send us an email, or stop at our office, and we can discuss your situation in more detail. 

Auto insurance add-ons you may want to consider

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A  basic auto insurance policy is liability coverage. To make it all-inclusive, you need to add collision and comprehensive coverage, but there are additional add-ons that can make your auto policy even more inclusive. At Zenith Insurance Group in Pinellas County, we provide personalized service to our customers and make sure that you get the right policy at the best value. 

Auto Insurance Add-ons

Gap coverage

When you have a new car, it loses value as soon as you drive it away from the dealership. If you have an accident that totals your vehicle your insurer will provide you with the current value. That value may be less than what you owe on your car loan. Gap coverage makes sure that you have enough money from your insurance to do that. 

Roadside assistance

This is basically the same coverage that you get from your auto club membership at a lower price. It will get help for you in the event of a breakdown, tow your vehicle and even help you get into your vehicle if you are locked out. 

Rental car reimbursement

When your vehicle is damaged in an auto accident you may not have access to it for a while as it gets repaired. This coverage gets you a rental car so that you will have a vehicle to get to work and carry out your normal activities of daily life. 

Full glass coverage

If you have comprehensive coverage, you have some glass coverage, but you must pay your deductible. With full glass coverage, you will not have to pay a deductible, and it is a very reasonable price. It allows you to call just about any glass replacement company, and they will even come to you. 

Get The Right Policy Today

Contact Zenith Insurance Group in Pinellas County for assistance with your auto insurance needs. 

Auto Insurance Basics

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Staying safe and legal on the road is highly dependent on keeping proper insurance on your vehicles. Zenith Insurance Group,  serving the residents of Pinellas County, can help you make the best insurance choices.

Here are some auto insurance basics that you need to know:

Never Let Coverage Lapse

It is crucial that you get auto insurance in place and never let the coverage lapse. A lapse in coverage is when you fail to renew or pay for your policy and the coverage ends. This can cause you several problems. You will not be able to legally drive the vehicle and you could lose your registration status for the vehicle. To avoid these issues, always keep coverage active. 

Stay Properly Insured

Most states have a required minimum insurance coverage they will allow in order to operate your vehicle on the roads. However, you should keep in mind that the minimum required coverage is not the same as full coverage. 

Minimum– A minimum required policy will only pay for damages that you might cause to another vehicle or injuries that you might cause to another driver. This type of coverage will provide nothing for your own vehicle damage or injuries. 

Full– Full coverage will provide both for you and the other drivers involved if you are the cause of an accident. In addition, if your vehicle is damaged due to a natural disaster, storm, fire, or theft, you can also be paid for repairs or replacement of the vehicle. 

Report All Drivers 

It is also important that you keep your insurance updated to always reflect any new drivers that are being added to your household. This includes teen drivers or anyone else who is allowed to drive the car on a regular basis. 

Get Auto Insurance Today

If you would like to learn more about our services, please contact us at Zenith Insurance Group, serving the greater Pinellas County and surrounding areas. 

Why Pinellas County business owners turn to the Zenith Insurance Group for all of their insurance needs

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Business owners and operators in Pinellas County can turn to the team at Zenith Insurance Group for all of their commercial insurance needs. We are proud to serve the business community in our area, and we look forward to working with you!

Turn to us for your commercial insurance needs

If you are a business owner or operator in Pinellas County, you may have some questions when it comes to insurance. Fortunately, we are here to answer them! Finding the right insurance policy to protect your business is an important decision. With all that you have going on running your business, it may be difficult to find the time to give your commercial insurance needs the time they deserve.

That is why it is such a good idea to work with a local agent who has experience working with the local business community. We understand the needs that are unique to business owners in our area. We also have the solutions to help mitigate these needs and risks. There’s no reason to go it alone when it comes to procuring the right commercial insurance policy. We take great pride in the way that we work with our business clients and provide them with the information they need to make informed decisions. Let us help you find the right commercial policy! 

We are proud to serve the business community of Pinellas County

Zenith Insurance Group serves the commercial insurance needs of the business community of Pinellas County. If you are in need of help with any aspect of your commercial insurance needs, we are here to help! Give us a call today and let’s set up a consultation. We look forward to working with you!

Keeping your home safe while you are away on vacation

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It has been a long time since most folks have been away on vacation and this year everyone wants to get out and do things. But, while you are away, you need your home to be safe. At Zenith Insurance Group in Pinellas County, FL, we want all of our customers to feel safe knowing that they are well insured against most of the perils that could befall their homes. 

We offer you the following tips:

Don’t announce your vacation on social media

Everyone wants to share their excitement about vacation but we suggest you resist the temptation. The fewer people who know you will be away the better. Only tell those people who will be actively involved in your vacation. If someone is checking in at your home, they need to know the exact dates. If you have a trusted neighbor, you may want to let them know so they can keep an eye out for unusual activity. 

Stop your mail delivery

You can pause your mail delivery on the US Post office website, but always do it at least a day in advance so you can be sure that it is actually stopping.  Make sure that you don’t have auto-delivery scheduled while you are away. You don’t want a package sitting at your front door. 

Park a car in your driveway

If a car is in the driveway, it looks like someone is at home. 

Have lights that turn on automatically

Having different lights turning on at different times in different rooms gives the impression that someone is in the house. 

Set your alarm

It sounds like a no-brainer, but in the excitement of departure, it could be overlooked. Now go and have a relaxing vacation.

Contact Us Today

Give us a call at Zenith Insurance Group in Pinellas County, FL today. We want to help you to protect your home with the right home insurance. 

The Essential Guide to Classic Car Insurance

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Hit the open road in a classic car, and you’ll turn heads everywhere you go. But before you take your pride and joy out for a spin, make sure you have the right insurance in place. Classic car insurance is different from regular automobile insurance, so it’s important to understand what coverage you need. Zenith Insurance Group in Pinellas County offers this guide to help you get started.

What Is Classic Car Insurance?

Classic car insurance is a type of automobile insurance designed for classic, antique, and collectible cars. Unlike regular auto insurance, which is based on the actual cash value of your vehicle, classic car insurance typically uses an agreed-upon value system. This means that you and your insurer agree on a set value for your vehicle, regardless of its actual cash value.

Why Do I Need Classic Car Insurance?

If you own a classic car, it’s important to have the right insurance in place to protect your investment. Classic cars are valuable assets, and they require special care and protection. In the event of an accident or theft, you want to make sure you have the right coverage in place to protect your vehicle.

What Does Classic Car Insurance Cover?

Classic car insurance covers your vehicle in the event of an accident, theft, or other covered incident. Coverage typically includes agreed-upon value protection, as well as liability coverage. You may also have the option to add additional coverage, such as roadside assistance or emergency expense reimbursement.

How Do You Qualify for Classic Car Insurance?

To qualify for classic car insurance, your vehicle must meet certain criteria. Typically, insurers require that your vehicle be at least 25 years old and have a limited mileage restriction. Some insurers also require that you have a clean driving record and that your vehicle is used for leisure or collector purposes only. However, you need to speak with your insurer to see what specific criteria they require.

Need Classic Car Insurance in Pinellas County?

If you own a classic car, Zenith Insurance Group can help you find the right insurance to protect your investment. We offer classic car insurance policies that cover your vehicle in the event of an accident, theft, or other covered incident. Contact us today to get started.

How to Choose the Right Renters Insurance for Your Needs

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As a renter, you know that your landlord’s insurance doesn’t cover your belongings in the event of theft, damage from a natural disaster, or other covered incident. That’s where renters insurance comes in. But with so many options out there, how do you choose the right policy for your needs? Zenith Insurance Group in Pinellas County provides you with a guide. 

Here are some things to consider when shopping for renters insurance

1. Coverage Limits

One of the most important things to look at when shopping for renters insurance is the coverage limits. This is the maximum amount that your insurer will pay out in the event of a claim. Make sure to choose a policy with limits that will cover the replacement value of your belongings. It should also be enough to cover any medical expenses if someone is injured in your home.

2. Deductibles

Another important thing to consider when choosing a renters insurance policy is the deductible. This is the amount you will have to pay out of pocket in the event of a claim. Choose a deductible that you can afford to pay in the event of an emergency.

3. Policy Riders

Policy riders are optional add-ons that you can purchase to customize your renters insurance policy. Riders can cover things like high-value items, pet damage, or identity theft. Choose the riders that make sense for your needs and budget.

4. Premiums

Of course, you’ll also want to consider the cost of your renters insurance policy. Premiums will vary based on the coverage limits and deductibles you choose and the location of your rental property. While it’s advisable not to go for the bare-minimum coverage to save on premiums, you don’t want to overpay for coverage you don’t need, either.

Get Renters Insurance in Pinellas County

Now that you know some of the things to look for when shopping for renters insurance, it’s time to get started. Zenith Insurance Group can help you find the right policy for your needs. We have coverage options to fit any budget, and our experienced agents can help you tailor a policy to your specific needs. Contact us today to get started.

Tips to Drive Your RV Safely

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RVing is a great way to explore new places while staying in your own place. You can drive your RV from one place to another, so you aren’t stuck in one location for your entire vacation. You may also decide to go on several shorter vacations in your RV. 

That being said, it isn’t easy driving a RV. Zenith Insurance Group in Pinellas County provides you some tips to drive safely. 

Safety Tips For Your RV

Practice. Your first time behind the wheel shouldn’t be going down the highway to your destination. You should practice driving it around a parking lot before you even venture out on the road. You need to learn how to back up and turn before you go any further. Then, start with short trips and make your way up.

Slow down. Though you may be used to driving your car above the speed limit, you really shouldn’t do the same with your RV. You need to drive slowly and carefully. Your destination will be there, no matter what time you get there. If you have to be somewhere, give yourself extra time. 

Give yourself extra distance. It takes longer to slow down in a big RV, so it is important to keep some extra distance between yourself and the other traffic. You may also need more room to turn. 

No matter how good of a driver you are, accidents happen. For this reason, you should make sure that you have enough insurance to cover anything that could happen. 

If you want to make sure that you and your family are fully protected, you need to contact us today at Zenith Insurance Group in Pinellas County. We will talk to you about your options to make sure that you have enough insurance for your RV. 

Florida State Motorcycle Insurance Requirements

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When you buy your motorcycle, before riding your first mile, visit Zenith Insurance Group serving Pinellas County for the insurance that will keep you legally on the roads of Florida.

Required Insurance

Florida requires each rider to carry motorcycle insurance that protects others on the road. You will need to cover your own liability through an insurance policy. State law sets minimum requirements for this insurance of:

  • bodily injury liability in the amount of $10,000 per person,
  • bodily injury liability in the amount of $20,000 per accident,
  • property damage liability in the amount of $10,000 per accident.

Although Florida has a no-fault law, it only applies to automobile owners. The no-fault law requires the purchase of personal injury protection (PIP). Motorcyclists don’t have to carry this type of insurance.

Optional Insurance

Besides the required insurance, you could add insurance that protects your motorcycle and your health. The state’s liability insurance only protects the other guy, so to speak. To protect your bike and pay your medical bills in case of an accident, you’ll need comprehensive, collision, and personal injury protection.

Comprehensive pays to repair or replace your bike when your bike incurs damage from a named peril, such as hail, earthquake, or hurricane. Collision covers repairing or replacing your bike when you’re involved in a single-vehicle accident, such as if you hit a fence or mailbox with the bike.

PIP provides you with reimbursement for your medical bills. If you’re involved in an accident with another biker or a single-vehicle accident, this policy covers your medical costs.

Call us today

Contact Zenith Insurance Group serving Pinellas County to obtain the motorcycle insurance you need to protect your bike and yourself.

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