Boardwalk Insurance Group | Auto, Home, Commercial, Life and Health Insurance for Residents and Companies in the United States

CAT | Classic Car Insurance

Spring into a new home 5.00/5 (100.00%) 2 votes

Spring time is a time when the sun is high in the sky, people are seeing their lawns after the brutal winter months and when people start to redo their gardens. This is also the time that many people set out to buy beautiful new homes.

Of course, many people set out looking for a home and get Insurance agents in Texas, and realtors to help them make decisions as to which home would be the best idea and how to get their home insured. One other factor that is very important is the beauty of the home. The property has to be appealing to the eyes of the potential buyer for them to want to live there. Houston offers many locations for homes that are beautiful.

Another investment that is made in the summer, is the purchasing of exotic cars and exotic car insurance. This is another investment that is based on price but also a lot on beauty. Houston offers its residents wonderful summer weather that allows them to tend and care for both of these large investments and allows them to keep both of these in amazing condition thanks to the weather.

The sunshine of the spring months is usually the time that people do their gardening and lawn maintenance in an attempt to keep their home looking as appealing and if not more appealing than it was when they first purchased it . It is a time where the weather just encourages homeowners to go outside and spend time outside in their yards. Much of this time is used to heighten the beauty of homes.

The same is true for exotic car owners. Spring time is when you will see owners of exotic cars sitting outside in the sunshine washing their cars and detailing them to make them sparkle in the sun.

Overall, springtime is the season that promotes beauty of homes and cars. It promotes their beauty when people go to buy them in the beautiful weather, and it promotes the beauty because the owners of these investments have time and feel a need to make these investments and belongings look clean and new and refreshed like the seasons and the attitude it promotes.

One of the facts that should not be forgotten to insure the continued beauty of these objects is the fact that the owners should purchase exotic car warranties and contact insurance agencies in Houston to make sure that their belongings are protected and kept in perfect condition.

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Spring time insurance 4.67/5 (93.33%) 3 votes

There are many people who see spring time as a time of renewal and go through with spring cleaning to get their homes in the best condition possible for the reset of the year. They pay for new carpets, new paint, they even renovate and redo their patios and other parts of their house. They add large investments to their homes in an attempt to make it feel refreshed and at the same time they are realizing the value of the home with each improvement that they make.

One thing that is not thought of at this time, that should be is that all of these investments that are being put into these homes should be insured along with the home. These people put so much effort into making their homes perfect and beautiful and don’t account for accidents and ill comings to their homes. They need to find an insurance agency in houston, or an insurance agent in Texas. This agent can help them get insured for their added investments so in the case of an emergency or a disaster the home is still covered and all of the effort that was put into the home is still covered under the insurance of the home. It would be a complete shame if these homes that have been cleaned and remodeled and made to be more beautiful than ever before end up being uninsured and all of the effort that was put into making the dream homes goes to waste in the event of an accident.

Insurance is something that has to be thought of before the fact. It is pointless to think about having insured something after it is gone. The effort is useless because the action just isn’t a possibility anymore. Instead people should get their valuables insured quickly and as early as possible. Spring time is a time when people are thinking of getting more beauty added to their home but they don’t have the idea of preserving that beauty or insuring it on their minds. It is something that is often forgotten and then regretted after an accident does occur.

Rather than being sorry after the fact and losing all of their effort and time that was put into the home, people should get their homes insured right when new investments are made on it. If they are putting money in they should be expecting to get an insurance on their input. This is not something that can be taken lightly and should be allowed to continue to be forgotten.

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The broad topic of insurance 5.00/5 (100.00%) 1 vote

Around this time of the year there are many people that decide to purchase new cars or find a place to store a lot of their items such as a garage or storage place. With all of the exotic cars being purchased what many people don’t know is that if they have quite a few different exotic cars, getting garage insurance would be very beneficial. Not only will it protect your property but it will lower your car insurance.

First off, when you purchase an exotic car it is always smart to get the exotic car warranty as this can help you in the long run if you decide to keep your vehicle for a while. It will save you from wasted time and hassle later on as the dealership of insurance company you go through will take care of everything for you. With an exotic car warranty next you’ll have to get yourself some exotic car insurance. It can be difficult to find exotic car insurance at times since it is slightly different than normal car insurance. By going through boardwalkinsurance.com not only will you be provided with the top exotic car insurance but also you will receive great service so you don’t every have to worry about long delays. You won’t need to be hassled with anything because they will take care of everything for you. There are many insurance companies out there that promise great rates or great services, but when it comes time to actually helping their clients they tend to take their time in responding to claims. Companies such as these can be avoided by doing research and by choosing boardwalkinsurance.com you never have to worry about that.

For those that have dealerships and or quite a few exotic cars in their garage, it would be very beneficial for them to get garage insurance. Getting garage insurance will protect your property. Not only that but when you get garage insurance it will also end up lowering your actual car insurance as well since you can bundle up a couple things.

Research should always be done before you go with an insurance company. By knowing about the company before you choose them you know what to expect. At boardwalkinsurance.com their number one priority is customer service. Whether you are needing an exotic car warranty, exotic car insurance or garage insurance they have it all and are a very dependable insurance agency.

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Jul/14

28

Exotic Car Insurance

Exotic Car Insurance 4.75/5 (95.00%) 4 votes

 Any owner of an exotic or classic vehicle knows how difficult it is to get your insurance company to accept your auto insurance coverage. Many insurance companies will not accept exotic vehicles due to the exposure to risk they may face. The truth is that many people do not have the expertise or the knowledge required in order to drive these cars at their highest performance stage. Because of this, insurers are very cautious about offering this kind of coverage. The biggest challenge is making sure that your luxury vehicle is protected in the best way possible at the best rates.

Fortunately, there are numerous selections to choose from for owners that want to keep their vehicles insured but not have to pay a fortune on their investment. Nonetheless, there are insurance companies that focus primarily on these specific types of automobiles and you will still be able to save tremendously on premiums. The main problem that comes with an exotic car is that even the smallest of damages can cost you more than the depreciated worth of your car. Although a luxury car holder is not necessarily a price conscious individual, it is always sensible to look deep into the different options provided in order to get the best insurance coverage for your luxury vehicle.

Exotic cars are the essential symbols of class and sophistication, needing five-star treatment when it comes to choosing the right exotic car insurance for your automobile. Your exotic car is a significant asset, and thus having exotic car insurance will provide you with the peace of mind you deserve knowing that your investment is being protected.

Exotic car warranty covered components consist of items from the engine, transmission, front wheel drive, rear wheel drive, fuel system, electronics, cooling, etc. It essentially covers the critical components.

It has been noted that conventional insurance is based on the conception that the average vehicle’s value decreases over time, while exotic car insurance presumes that the worth of your vehicle will only increase and will appreciate eventually. It is assumed that your luxury vehicle is often garaged and only driven in moderation showing that there is a much lower risk of accidents, as a result offering lower rates and premiums.

Once you have your heart set on a specific exotic or luxury vehicle, it will be in your best interest to make sure you keep your eye on your investment and insurance coverage. Make sure your insurance matches your ride, and both your vehicle and insurance are of the highest quality.

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Finding an Auto Insurance Policy 3.71/5 (74.29%) 7 votes

Finding the right car for you is an important decision and a significant investment.  You probably want to protect it somehow, but after buying your dream car, or just something to get you around the block, you probably have better things to spend money on besides replacement of the car and medical bills in the event of an accident.  Auto insurance can do that, and is a requirement nearly everywhere if you own or operate a vehicle on the road.  For businesses, commercial auto insurance is just as important, whether you have one vehicle or one hundred in your fleet.

In the United States, auto insurance is required to have a minimum amount of liability coverage to pay for damages caused in an accident.  If you are deemed liable, your auto insurance will pay for both property damage and medical expenses to spare you the brunt of the costs.  Each state has its own minimum liability auto insurance requirements, and limits can either be combined total coverage or split coverage for property damage and bodily injury.  Auto insurance can be upgraded to a full coverage policy, which is divided into collision and comprehensive insurance.  Collision auto insurance covers damage caused in a collision with another object regardless of fault and comprehensive auto insurance covers damage caused by anything other than a collision (such as fire, theft, weather, or other “Acts of God”).

Commercial auto insurance has many of the same options as personal auto insurance but is tailored for a business setting.  Many businesses will own multiple vehicles and have multiple drivers, and this all is taken into account for a commercial auto insurance policy.  For large vehicle fleets, commercial auto insurance can be written as fleet insurance, so individual policies do not have to be written for individual vehicles.  Commercial auto insurance also looks at the driving records of individual drivers, so business owners need to look closely at the driving history of their employees.

Other types of auto insurance policies cover unique situations.  Uninsured and underinsured motorist auto insurance protects you when the party at fault has no insurance or insufficient insurance to cover the damages.  Lack of insurance is becoming increasingly prevalent, making this type of auto insurance more appealing.  Loss of use auto insurance covers the cost of a rental car when your primary vehicle is being repaired due to covered damage.

Auto insurance has many facets and can be very complicated when shopping around for a policy.  Auto insurance is offered by nearly every major insurance agency and many smaller ones as well.  Finding the best auto insurance policy for you can take a lot of time and money.

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Auto Insurance Protects Your Vehicle 4.67/5 (93.33%) 3 votes

Whether used as a daily commuter, a weekend cruiser, a grocery getter, or a piece of the work fleet, your vehicles are generally a very important part of your daily life.  Vehicles can also be a significant investment on the part of the owner, whether it is a personal vehicle or a business vehicle, and auto insurance is a must to protect it.  More importantly, most states require auto insurance, making it the law.

Both personal auto insurance and commercial auto insurance come in many different shapes and sizes, just like the vehicles they insure.  Basic auto insurance comes as simply liability insurance, shielding the owner from the costs of repairing the damage and medical costs if the insured driver is responsible.  The minimum liability auto insurance limits are what states regulate as part of their minimum auto insurance requirements.  In addition to liability auto insurance, collision and comprehensive auto insurance can also be taken out for your vehicle.  Collision auto insurance protects vehicle owners from the costs of repairing a vehicle when it is involved in a collision.  Sometimes collision auto insurance is required for an auto loan.  Comprehensive auto insurance protects the vehicle owner from the cost of damage resulting from many other hazards besides a collision, including “Acts of God” hazards, including tornadoes, floods, or hail.

In addition to standard auto insurance and commercial auto insurance policies, there are several add-on policies that have special protections.  Increasingly, auto insurance is neglected as money gets tight, and in the event of a collision, the party at fault does not have insurance or the financial ability to cover the repair costs.  Uninsured and under insured motorist auto insurance protects the policy holder if the at-fault party cannot afford to cover repairs, whether the at-fault party is insured or not.  Loss of use auto insurance reimburses the policy holder for the cost of a rental vehicle while an insured vehicle is being repaired due to covered damage.

Commercial auto insurance also has special insurance considerations.  In personal auto insurance policies, for the most part, the owner is the operator.  For commercial auto insurance, many different users can use the vehicle and need to be covered.  In addition, the potential operators might have the option to operate many different vehicles in a corporate fleet.  This kind of flexibility requires commercial auto insurance to have special provisions for this.  In addition, for large fleets, commercial auto insurance can be provided through a fleet insurance package, which can be a more cost effective insurance solution than individual commercial auto insurance policies.

Auto insurance is almost universally a necessity and many insurance providers offer both personal auto insurance and commercial auto insurance options.  However, shopping for auto insurance quotes and business insurance quotes for commercial auto insurance can be very time consuming.

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Auto Insurance Information 4.58/5 (91.67%) 12 votes

Insurance is designed to reduce most of the financial liability or loss of property resulting from unforeseen events.  Auto insurance is no different, shielding automobile owners from the risk of financial harm or loss resulting from a vehicular collision or other vehicular damage.  While the type of auto insurance can vary based on the purpose of the vehicle, most auto insurance policies fall under personal or commercial auto insurance.

Auto insurance in some form is required in every state where Boardwalk Insurance is licensed to create insurance policies except for Virginia, where a $500 annual fee is required if liability insurance is not purchased.  Other states require by law some form of auto liability insurance to cover injury or property damage caused.  However, the minimum insurance rarely covers damages to the person at fault, so choosing the right auto insurance policy is very important.

Full coverage auto insurance covers both the operator and the other parties involved in a collision and includes collision insurance, comprehensive insurance, and liability insurance.  Collision insurance will cover repair costs of a vehicle or the cash value of the vehicle if it is totaled.  Comprehensive insurance covers vehicles in situations other than collisions, such as fire, damage from theft, vandalism, or other damage.  Boardwalk Insurance comprehensive auto insurance policies will also cover “Acts of God” beyond human control, such as floods, tornadoes, or other similar events.

To cover business property and absorb the financial risk from damage, commercial insurance policies are available from the Boardwalk Insurance Group.  To cover work vehicles, commercial auto insurance policies can be created.  For most vehicles, commercial auto insurance is not needed, however a vehicle owned by the business and used for more business than personal use, a policy can be advantageous.  Generally, employees using work vehicles are less likely to treat them as their own, and work vehicles are more likely to be put under more stress and in more hazardous situations, so commercial auto insurance could be a very helpful solution, especially in heavier industries.

Insurance is meant to protect people from the unexpected, and auto insurance is required nearly everywhere to do so.  Finding the best policy to suit your needs can be a daunting task as well, given the many options in both type of coverage and cost of coverage.  Boardwalk Insurance Group is an independent insurance agency that is affiliated with 23 well known and respected insurance carriers.  The independent insurance agents will take the time to learn your requirements and craft an auto insurance policy that meets your needs and budget.

As independent insurance agents and brokers, Boardwalk Insurance Group serves their customers first. To do this, Boardwalk represents a full line of quality and competitive insurance companies to meet its customers’ specific needs at great prices. Using their state-of-the-art, “on-line” computer rating system, they can make instant rate comparisons of the finest insurance companies to find the best value for their customers.

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Auto Insurance – Protect Your Transportation 4.44/5 (88.89%) 9 votes

Aside from a home, a vehicle is probably one of the most important personal investments outside of a home.  For companies that provide transportation for employees, auto insurance can also provide protection from any on the job mishaps.  In addition, auto insurance is required in most states, ensuring that anyone that owns a vehicle should be looking into getting auto insurance to protect their investment.

There are several types of auto insurance coverage: liability, comprehensive, and collision, along with several other types of more specialty coverages, such as medical, uninsured/underinsured motorist, and rental reimbursement.  In addition, for commercial auto insurance, other factors need to be addressed, such as the amount of drivers and their driving record.  Otherwise, many factors tied to the auto insurance premium are the same for personal and commercial auto insurance policies.

Liability auto insurance is the basic minimum coverage required in most states; however the value of the minimum auto insurance coverage varies by state.  Liability auto insurance covers injury and property damage to others, but not to the owner of the vehicle itself.  Collision auto insurance is specifically for damages caused in a collision, while comprehensive auto insurance covers vehicle damage from just about anything not collision related: whether it is fire, weather related, or even vandalism or theft.  Medical coverage is for medical expenses regardless of fault resulting from an auto accident.  Increasingly, uninsured and under insured motorist auto insurance is needed, protecting the insured when the accident is caused by a driver who has no insurance or does not have enough insurance to cover the damages.  As a boutique type of policy, rental reimbursement auto insurance is also available; which pays for a rental car while the primary car is being repaired due to an auto accident.  All these coverages can be mixed and matched to create the best auto insurance policy for your needs.

For business vehicles, commercial auto insurance is a little different.  While many coverages pertaining to personal auto insurance can be used, there are certain requirements for commercial, or work vehicles that must be noted.  The number of vehicles and drivers also can affect a commercial auto insurance policy.  Fleet insurance may also be a better alternative if there are a large number of commercial vehicles owned by the business.  Getting business insurance quotes can help get the best commercial auto insurance for the price.

States are generally doing everyone a favor by requiring motorists to hold an auto insurance policy.  The protection even basic liability insurance affords can go a long way in helping get those affected by an accident back on their feet.

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Customized Auto Insurance – Don’t Take the Minimum 4.86/5 (97.14%) 7 votes

Insurance is designed to reduce most of the financial liability or loss of property resulting from unforeseen events.  Auto insurance is no different, shielding automobile owners from the risk of financial harm or loss resulting from a vehicular collision or other vehicular damage.  While the type of auto insurance can vary based on the purpose of the vehicle, most auto insurance policies fall under personal or commercial auto insurance.

Auto insurance in some form is required in nearly every state in the United States except Virginia, where a $500 annual fee is required if liability insurance is not purchased and New Hampshire, where personal responsibility can be proven by meeting certain standards.  Other states require by law some form of auto liability insurance to cover injury or property damage caused.  However, the minimum insurance rarely covers damages to the person at fault, so choosing the right auto insurance policy is very important.

Full coverage auto insurance covers both the operator and the other parties involved in a collision and includes collision insurance, comprehensive insurance, and liability insurance.  Collision insurance will cover repair costs of a vehicle or the cash value of the vehicle if it is totaled.  Comprehensive insurance covers vehicles in situations other than collisions, such as fire, damage from theft, vandalism, or other damage.  Most comprehensive auto insurance policies will also cover “Acts of God” beyond human control, such as floods, tornadoes, or other similar events.

There are several other forms of auto insurance that fit special needs, including uninsured or underinsured motorist coverage, loss of use, GAP coverage, towing, and personal property insurance.  Uninsured/underinsured motorist coverage (UM/UIM) ensures the party that is not at fault is not stuck with a bill due to the at fault party’s inability to pay.  While often overlooked, the number of uninsured drivers can be over 30% in some parts of the country, so UM/UIM coverage is very important.  Loss of use coverage reimburses the policy holder for the cost of a rental vehicle while an insured vehicle is repaired due to a loss that is covered under the existing insurance policy.  GAP coverage protects a new car is damaged beyond repair; however the loan is valued higher in the car.  GAP coverage was established as car price increased, auto loans ran longer, and vehicles were leased more frequently.  Towing insurance covers the use of a tow truck when used for non-accident reasons, such as a flat tire or mechanical breakdown.  Personal property auto insurance covers personal items in the vehicle not attached to the vehicle, such as a laptop that was damaged in a car accident.

To cover business property and absorb the financial risk from damage, commercial insurance policies are available.  To cover work vehicles, commercial auto insurance policies can be created.  For most vehicles, commercial auto insurance is not needed, however a vehicle owned by the business and used for more business than personal use, a policy can be advantageous.  Generally, employees using work vehicles are less likely to treat them as their own, and work vehicles are more likely to be put under more stress and in more hazardous situations, so commercial auto insurance could be a very helpful solution, especially in heavier industries.

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Insurance for Exotic Cars, Classic Autos & Specialty Vehicles 4.33/5 (86.67%) 3 votes

Are you looking for exotic car insurance for your exotic auto?  Do you own a classic car?  Did you purchase a kit car or other specialty vehicle?  If so, there are some things you should know and consider while searching.

1. Not all auto insurance companies will insure exotic cars, classic cars or specialty cars.  In fact, most do not.

2. There are specialty companies who insure only exotic autos, classic cars and kit cars.

3. There are a few insurance companies which insure not only exotic cars, but also regular vehicles.

4. When you own an exotic car, insurance companies are at greater risk for loss simply due to the possible claim amount in the event that an incident occurs, whether it’s your fault or not.

5. High performance cars also pose issues for insurance companies because claims can occur from driver error, primarily issues with vehicle control.

Whether you have one exotic or a car collection including exotics and classic cars, it’s important you carry the right coverage for you and your vehicles.  If an incident happens, you should have peace of mind in that your vehicle is covered and that you personally are not at risk.

This means you need to carry insurance coverage limits which are appropriate to your particular situation.  How? Let’s start with your liability coverage.  This covers you for claims made by third parties for injuries to individuals or other vehicles.  Most states require a minimum of 25/50/25 coverage.  This means you have $25,000 in coverage for any one person you injure, $50,000 for any one incident and $25,000 for physical damage to property.  When you break it down like this, you can see that state minimum limits are not much at all, especially considering medical costs and average vehicle values these days.  What you, as the insured, need to consider is the amount of exposure you have in the event of a claim.  If you are a high net worth individual, then you can bet that the person you hit will hire an attorney who will not only eat up your insurance limits, but also come after your personal fortune.  Because of this, it’s imperative that you carry higher limits of coverage and even consider a personal umbrella policy.  Your insurance agent should help you determine what limits you should carry.

You also need to carry comprehensive and collision coverage.  This is what insures your vehicle.  How much coverage you get for your exotic or classic car is usually determined by your insurance company, but many insurance companies are now allowing “stated amount” coverage due to the varying values for exotic and classic cars.  What does this mean for you?  Simply put, you get to put a value on your car and the insurance company will insure it up to the amount you provide them.  In the event of a total loss, they will pay you the stated amount.  So if you got a good deal on your car, make sure you insure it for what it would cost to buy another one.  If you made modifications to your car, take those into consideration as well.  Your premium for this coverage will be based on the amount you provide, but, in the grand scheme of things, it’s better you go with a higher amount and pay a little more in premium.

Aside from the above, the next most important coverage for you to carry is Uninsured or Underinsured Motorist coverage.  As stated, state minimum limits are very low ($25,000 in property damage in most states).  If someone hits your expensive vehicle and only has minimum limits, you will end up with a nightmare on your hands.  For this reason, it’s better you carry adequate UM/UIM coverage which will allow you insurance company to step in and take care of the damage above and beyond what the other person’s insurance company pays.

Personal Injury Protection coverage is also nice to have if you’re going with everything above.  This coverage, often referred to as PIP, is usually a “no-fault” coverage protecting you against medical expenses in the event of an incident, whether it’s your fault or not.

Depending on the state that you reside in, the info above can vary.  However, as the owner of an exotic auto or classic vehicle, it’s important you know the basics so you can make an educated decision on your coverage.

Another item to note is that the cost of insuring an exotic or classic auto is probably much less than you think.  It’s all about matching you up with the right insurance company for your situation.

Boardwalk Insurance Group specializes in insuring exotic cars and classic automobiles.  Our clients include celebrities, politicians, successful entrepreneurs and more.  Our staff is highly experienced in creating custom solutions for all individuals and all information is kept private and secure within our agency.  Here is a list of exotic/specialty car manufacturers we can insure:

  • Acura (NSX)
  • Alfa Romeo
  • Aston Martin
  • Audi (R8)
  • Avanti
  • BMW
  • Bricklin
  • Bugatti
  • Campagna
  • Chevrolet (Corvette Line)
  • Cobra
  • DeLorean
  • DeTomaso
  • Dodge (Viper Line)
  • Ferrari
  • Fisker
  • Ford (GT)
  • Hennessey
  • Koenigsegg
  • Lamborghini
  • Lexus (LFA)
  • Lotus
  • Maserati
  • Mercedes Benz
  • Morgan
  • Mosler
  • Nissan (GT-R)
  • Panoz
  • Porsche
  • Rossion
  • Saleen
  • Shelby
  • Spyker
  • Tesla
  • Toyota (Supra)
  • TVR
  • and many more…

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