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

Unexpected Costs of Driving 5.00/5 (100.00%) 2 votes

Driving an automobile can be expensive, and not just because of gas prices. Commercial liability insurance is just one of the likely expenses, and there are various other items on the list. Many think that they can avoid these expenditures through sheer skill, but the truth is that the expenses can present a problem to anyone, regardless of their driving habits.

Accidents Where Somebody Else Is at Fault

There are various scenarios where an accident is somebody else’s fault, yet the innocent party still has to cover some, if not all of their costs. If the other party can successfully argue that they weren’t at fault, the innocent driver could have the best exotic car insurance and still end up paying for the consequences, often quite literally. The guilty party driving away without leaving any contact information or clue to their whereabouts is another quite common scenario, which unfortunately often leaves the law-abiding party without any real options.

Maintenance

When someone depends on their vehicle to make a living, the car will inevitably take a beating. That also leads to other problems, and depending on the business auto insurance is not always an option. They could find themselves without a car for days, which could endanger their livelihood. When someone’s living depends on the fact that they have a car or not, renting one becomes an absolute necessity. Because of these reasons, finding an insurance agency in Houston that’s willing to add a rental cause to their insurance coverage might be an idea worth considering.

Luxury Electronics Repairs

Any half-decent exotic car insurance covers this, but today’s automobiles often come with highly sophisticated, state of the art techs even at the lower price ranges. GPS devices and camera systems are becoming common, and any repair or replacement process can potentially cost a fortune.

State Fees

Finding a quality insurance agent in Texas can keep someone from paying a few of these expanses, but state fees may still apply. These fees usually fall between $200 and $600, more often closer to the latter. The good news is that the fee is often paid with the car purchase.

High Deductibles

Financial professionals usually advise those who are looking for an exotic car warranty to choose high deductibles. That way they can keep the rates down, but on the other hand, any potential accident could end up costing them a lot. A lower deductable is better for those who are willing to shell out significant money each month, provided that they get a highly diverse insurance coverage without any weaknesses.

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Four Important Questions to Ask your Insurance Agent 5.00/5 (100.00%) 2 votes

Insurance is a necessary evil. There are many options and plans available and almost everything in your life can be covered under one of the plans. While it may not be a fun past time, it is very beneficial for you and your family when you are able to find a proper insurance agent in Houston. While shopping around, there are several questions that should be asked before you commit to anything.

Should I expand my insurance if I am adding onto my house?

Insurance plans are designed to cover your home based on its value. In the case of a remodeling, you need to know whether it is going to raise the value of your house or not. If the addition is going to raise your home’s value, then the answer to this question is yes you should get more insurance to remain fully protected. Speaking with an insurance agent in Texas will help you get a better idea of whether your remodel will require more insurance or not.

Is there a special coverage for my business from home?

If you are running a business from your home, you most definitely need to get it insured. Contact an insurance agency in Houston to find out what kind of insurance you will need for your home business. The agent will work with you to get your business the best coverage for you.

What coverage is best for a young adult fresh into the workforce?

For many young adults, getting a good renter’s insurance is enough to cover your belongings. Contact your insurance agent in Houston and talk with them about your needs. They will help you understand why things like getting the cheapest auto policy may not be a smart move. They will also explain things life insurance and more. Speaking with an agent is the best way to understand what you need and work with them to find a policy you can afford.

What can I do to save money on my insurance?

Just about every insurance company you will find is going to offer incentives for clean driving records and bundling packages. An example of this would be to get your car insurance, home insurance, and life insurance all from the same company. When you get everything through them, they will cut prices and give lower rates than when you pick and choose across multiple companies.

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Jun/16

21

Why You Need Exotic Car Insurance

Why You Need Exotic Car Insurance 5.00/5 (100.00%) 1 vote

If you drive an exotic car, you know that it is way more than just an investment or sweet ride.  It is your passion that drives you (so to speak) when it comes to owning an exotic car, not your common sense. Chances are, your exotic car is your most prized and valuable possession. Consequently, making sure you are protected against loss by a good exotic car insurance policy, is imperative.

So first let’s talk about what we mean by “exotic car.” The term itself is downright controversial amongst enthusiasts. I tend to think that regardless of how it is defined, most of us know an exotic car when we see one.

According to Merriam-Webster, “exotic” means out of the ordinary.  When it comes to cars here are some of the main differences between exotic and ordinary:

Cost. Exotic cars are more expensive than standard cars.  Way more. A brand new exotic car costs at least $100,000 and some can run up to $400,000 or higher.  There is no such thing as an affordable, new exotic car.

Unique. Exotic cars are either very limited in number or completely one-of-a-kind.  This could mean that they have unique parts that require specific or custom tools.  Or they could have been custom-made to the owner’s exact specifications.  Or, they could have been produced as part of a limited edition to commemorate a special event. Regardless of how or why, there is something about every exotic car that makes it unique or rare.

Speed. Exotic car owners tend to value power and performance over fuel economy. The top speed of an exotic vehicle can thus be quite high when compared to ordinary cars.  A Ferrari’s top speed can be as high as 270 miles per hour. A Bugatti can top 280 miles per hour.

Looks.  Simply put, exotic cars have looks that are out of this world, both inside and out.  Most are equipped with state-of-the-art, chic, stylish interiors and sleek, stunning exteriors.

Parts and repairs. Exotic cars require exotic parts. Exotic car parts almost always need to be ordered from a specialty parts provider and installed by a specialty car repair shop with highly-experienced specialty mechanics.

Servicing. Exotic cars need specialty maintenance and servicing.  These are not cars you take to Jiffy Lube for an oil change.

Due to all of the above, exotic cars pose unique insurance risks.  Accordingly, exotic car owners require unique coverage and protections above and beyond that provided by a regular auto insurance policy.

Consider this.  Do you want to run around finding three estimates for repairing your Aston Martin before your insurance company will authorize the work?  Or, do you want to take your Lamborghini to an insurance company-approved repair shop, and have your adjuster in the middle of it haggling over the price of specialty parts?  No.

Fortunately, there are excellent exotic car insurance providers who understand the special circumstances and expanded needs associated with owning these types of vehicles.  A good broker can help you find one that can set you up with exactly the type of policy and coverage you need.

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Boardwalk Insurance: Commercial Liability Insurance in Houston For Everyone 5.00/5 (100.00%) 1 vote

If you recently moved to Houston, Texas, you may be in the hunt for new, local insurance providers. Consider turning to an independent insurance agency in Houston, such as Boardwalk Insurance. One of the leading independent agencies in the state, Boardwalk is a uniquely capable group that provides customized insurance policies to its entire clientele.

Insurance is a device developed to mitigate financial trouble. The first form of financial insurance that has been found was in the famous Code of Hammurabi, and dealt with shipping goods over the sea. The plan called for a payment of a fee to a loan giver, which would absolve the recipient off the loan of any debt if the ship were lost. From the very first, one of the most difficult problems insurers faced was to anticipate a specific kind of loss. If the ship in question caught fire and all the stock was lost, but enough of the structure remained to limp into port, should the fee still apply? These kinds of questions have kept insurers and lawyers busy throughout the centuries. Fortunately for Texans, Boardwalk is the best insurance agency in Houston for answering the ancient riddles of insurance and coverage.

Boardwalk Insurance has created in its organization an extensive roster of insurance policies providers and partners. The group includes valuation specialists, web developers and over a dozen insurance companies offering various specializations. In this group you can find the most adaptable and expert agents, ready to bring together a policy that is customized to your specific needs. By maintaining their status as independent insurers, Boardwalk is able to bring together such diverse elements that it can easily assemble customized policies for both personal and commercial clients. Its personal lines encompass both renters and homeowners, with property coverage that run the gamut of possessions. It commercial lines are similarly widespread, and offer protection for business owners, commercial liability, and commercial property. Workers compensation can be expertly addressed by Boardwalk, as well.

One interesting service that Boardwalk has specialized in, and which reflects the group’s versatility and range of knowledge, are the garage liability insurance policies it offers. These policies are designed to protect the owners of high echelon luxury vehicle, including Lamborghinis and Rolls Royces. The owners of these vehicles often keep them stored in climate control facilities, and when they do so, the vehicles are subject to numerous potential problems, including decay and possible theft. The owners off the facilities themselves are also involved in security operations that carry high risks. These are extremely valuable vehicles that cost a lot of money. To cover these situations, premiums must be balanced against unusual potential losses. It is an odd sort of situation for a policy, but the expertise of Boardwalk has created a large clientele for its work in this field.

Boardwalk Insurance has created something new and exciting as an insurance agency in Houston, Texas. Well-established and successful, the group is ready to serve your needs with the best in customized insurance policies you could ask for.

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What Type of Insurance Does Your Business Need? 5.00/5 (100.00%) 1 vote

Whether you own or manage a small local business, an online store, or a large company, insurance can protect your business from major as well as minor risks. Getting your business insured is a straightforward process. An experienced and transparent independent insurance agency in Houston can help you determine the right amount of coverage you need, as well as customize your insurance package, so that you get the best value for every dollar you spend on insurance. Some of the key insurance policies your business may need include:

Commercial Liability Insurance / Business Liability Insurance

This standard insurance policy protects your business from mistakes and accidents that can lead to physical injuries, psychological trauma, or financial loss. Regardless of the type of business you have, whether you manufacture products or sell food, customers and other people who visit your business location, come in contact with your employees, or use your products or services can start a lawsuit against you. Reasons vary from a faulty product or on-premise business prop that causes a physical injury, to a disgruntled employee who insults a customer, who then sues your company.

Commercial liability or business liability insurance can be effective against many different types of liability claims, including payments to claimants resulting from bodily injury, medical expenses, property damage, as well as legal costs you may incur during the defense. Coverage offered by a good insurance agency in Texas may include product liability, professional liability, and commercial property insurance.

Business Auto Insurance

Essentially, a business auto insurance policy protects the vehicles you use for business (including vans and trucks) from the dangers that may arise on the road. Coverage extends to company vehicles that are driven by your employees to work or to meetings with customers, as well as to deliver goods or drive other employees home. It’s similar to a personal car insurance policy, only that it applies to businesses.

Garage Liability Insurance

If your business sells, repairs, services, or tows cars, you need a garage liability insurance. This type of policy covers you against customer injuries that arise unintentionally at your shop, such as slips or falls, as well as discrimination and employee dishonesty claims. This kind of coverage is usually not included in a general business or commercial liability insurance policy.

Garage Keepers Insurance

Although it is often confused with a garage liability insurance, garage keepers insurance is a different form of insurance. It covers any damage to the vehicles in your care (your customers’ vehicles) that may accidentally arise while they are stored, repaired, or kept in your facility. An experienced insurance agent in Houston can further explain to you the differences between a garage liability and garage keepers insurance.

Regardless of the type of insurance your business needs, it’s important to work with an independent insurance agency in Houston that is transparent and can fully understand your business’ needs. At Boardwalk Insurance Group, we offer all of the above business insurance policies as part of our commercial insurance solutions.

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How to Lower Your Small Business Insurance Costs By Choosing an Independent Insurance Agency In Texas 5.00/5 (100.00%) 1 vote

Whether you’re shopping for commercial liability insurance, garage keepers insurance, or some other type of insurance for your small business, sifting through all your options to find the policy that offers you the most coverage at the best price can be stressful. That’s where an independent insurance agency in Houston can make things easier for you. Independent insurance providers can not only relieve you from the stress and the pitfalls of the hunt for insurance, but also lower your insurance costs.

Independent Insurance Agency

Choose An Independent Insurance Agency In Texas That Understands Your Industry

Independent insurance agents often specialize in finding insurance solutions for specific industries. They can draw on their experience in that industry to understand the needs of your business and how much coverage you actually need. If you have little to no experience with insurance policies, navigating your way through the labyrinth of clauses and requirements can be an onerous task.

Get Quotes From Multiple Carriers

Whether you’re shopping for a basic business auto insurance or a comprehensive garage liability insurance, the best way to find an affordable policy that provides excellent coverage is to get quotes from as many carriers as possible. An independent insurance agency in Texas can do just that.

Established independent agencies work with many different specialized carriers. At Boardwalk Insurance, we partner with over 24 carriers to find the best policy for you. Also, we use the latest insurance comparison software to find the optimal balance between cost and value.

Make Sure You Don’t Buy More Coverage Than You Actually Need

When shopping for business insurance on your own, it can be easy to err on the side of caution, especially if you’re dealing directly with insurance companies, which naturally want you to get as much coverage as you can pay for. Unlike big companies, many small businesses tend to be exposed to fewer risks, and this can mean cheaper insurance policies. But assessing these risks requires experience, both in the industry and in the insurance business, and an independent insurance agent can again help here.

Save Money By Saving Time

The hunt for an insurance policy, the endless comparisons, quotes, and inquiries, the paperwork and, later on, the legal conundrums that misunderstood clauses or delayed claims can give rise to can become a time sink if you don’t have an insurance expert in your team. Dealing with all of these will take up precious time that you could otherwise invest in your business. By teaming up with an independent insurance agency in Houston such as Boardwalk Insurance you can avoid all these inconveniences.

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Why Choose An Independent Insurance Agency In 2016 4.67/5 (93.33%) 3 votes

Whether you’re shopping for commercial liability insurance, exotic car insurance, garage liability insurance, or any other type of insurance policy in Houston, you have to choose between “captive” agencies and independent agencies. While captive agencies represent just one insurance provider, independent agencies represent several. Choosing an independent insurance agency in Houston has a number of benefits which can have a major impact on your decision.

More coverage options and price points

Because an independent insurance agency in Houston partners with several different insurance companies, they are able to compare different options in order to find for you the insurance policy that provides the best coverage at the best price. This can be especially important when it comes to more specialized policies such as exotic car insurance or garage keepers insurance, which not all insurance companies offer.

One application spares you the trouble of multiple applications

When working with different captive agencies or agents, you have to send a separate quote application to each of them. With an independent agency, on the other hand, one application is enough for you to get quotes from multiple insurance companies. This speeds up the search for the right insurance policy for your needs.

A personal adviser guides your decision

Any well-established insurance agency in Texas will offer you your own personal adviser, who can use his or her experience and insight into the insurance world to help you determine how much coverage you actually need and how much you can afford to pay on insurance every year. What’s more, a personal adviser can answer any questions you may have regarding your insurance policy, explaining for example the differences between an exotic car insurance and an exotic car warranty or between a garage liability insurance and a garage keepers insurance.

Complete coverage for all your insurance needs

Because an independent insurance agency in Houston brings together different kinds of insurance options from multiple providers, it can offer you a complete solution to all your insurance needs. If alongside your auto or home insurance you also need business auto insurance or business liability insurance, you may be able to get them all in one place, and sometimes at a discount, too. Shopping for insurance can be a time-consuming, even stressful process, but an independent insurance agency can make it less of a hassle by managing your insurance policies for you.

Last but not least, an independent insurance agency in Houston can offer you more flexibility than a captive agency, not only during the insurance buying process, but also after you sign the papers. If you want to change your insurance later on, an independent insurance agency provides you with far more options. To discover all the benefits of using an independent insurance agency, call now Boardwalk Insurance toll free at 1.866.595.4077 or by using this contact form.

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6 Signs That It’s Time to Change Your Exotic Car Insurance 4.50/5 (90.00%) 2 votes

It’s easy to forget about your exotic car insurance once you’ve signed the papers, but you’re not stuck with it forever. If you’re no longer satisfied with the coverage you’re getting for the money you’re paying, or if you experience a big change in your life, like moving to a new home, the time might come for you to change your exotic car insurance. Here are a few good signs that you should look for a new policy.

You’ve moved to a new home in a new location

Depending on your new location, you may be offered a better premium. Also, you may be able to combine your auto and home policies to get better rates on both.

You’ve married or divorced

If your marital status has changed, it can have an impact on all of your existing insurance policies, not just your exotic car insurance. You may be in a position to add or remove your spouse from the policy to benefit from savings.

Your rates keep on increasing

If in spite of maintaining a clean driving record your exotic car insurance rates keep going up every year without any good reason, then you should look for another insurance provider that knows how to reward your loyalty better than that.

You’re not satisfied with the customer support you’re receiving

Customer support is very important when it comes to any type of insurance, and reliable insurance firms are always prompt in answering your calls or emails. If you have an unpleasant experience while trying to file a claim or when requesting more information about a specific aspect of your policy, you should think twice before putting your trust in such an insurance company.

You’ve purchased a new car but didn’t get any insurance discount for it

While discounts for adding a new car to your insurance policy isn’t something that all insurance firms offer, many do, especially if you’ve been with them for quite some time.

Your insurance company doesn’t have a website

Having a good online presence, a modern website, and a blog has become the norm for any insurance agency in Houston, whether they are providing life insurance, garage liability insurance, commercial liability insurance, or exotic car insurance. If your insurance firm lacks a website, or has an outdated site that isn’t mobile friendly, they are not keeping up with the times. It may be a sign that they are not doing that well and that they may not be able to live up to their promises.

If you notice one or more of these signs, don’t hesitate to look for a new and better exotic car insurance provider. At Boardwalk Insurance, we are an insurance agency in Houston that specializes in insuring a wide range of vehicles, including exotic cars. We represent several reputable insurance companies who cater to the specific needs of exotic vehicle owners. Learn more about our exotic car insurance services.

5 Factors to Consider When Choosing An Insurance Agency in Houston 4.75/5 (95.00%) 4 votes

Like all large cities, Houston has its fair share of insurance agencies, some of them large, others tiny. Whether you represent an organization or are an individual, whether you need garage liability insurance, exotic car insurance, or commercial liability insurance, you want to make sure you consider the right factors when determining which insurance agency in Houston you put your trust on. Here are the key factors you should keep in mind.

Size – Big or Small?

Although smaller agencies have fewer customers and are, in theory at least, likely to offer you better deals and a more personal service, the fact of the matter is that small agencies often work with the same insurance providers as large ones. In other words, the size of the agency shouldn’t be the main factor on which you base your decision.

Type – Captive or Independent?

A far more important consideration than size is whether the agency you choose is captive or independent. While a captive agency works only with a single insurance provider, and is limited by the offers and the requirements of that provider, an independent agency is free to choose the insurance companies with which it collaborates. The benefits of using an independent agency boil down to a wider selection of policies, more options to choose from, as well as better rates, since you can compare providers.

Cost

Although cost isn’t always the best determining factor when comparing insurance agencies, you should of course sample a few offers from different agencies and compare them. When comparing the cost of the insurance, consider not just the cost of the deductible, but also that of the co-pay and out-of-pocket limit.

Coverage

You want to make sure that the policies your insurance agency are offering provide enough coverage. Enough is here, of course, a relative word. Instead of looking only at the sum of money paid as coverage, consider the small print, the limitations and requirements for the coverage to be paid in the eventuality of an accident, as it may differ from company to company.

Policy Availability

If you run or manage a business, you probably don’t need just one type of policy, but several. For example, if you run a car body shop or a car repair shop, you will need not only business liability insurance, but also garage liability insurance and garage keepers insurance. Being able to obtain all the policies you need through the same insurance agency isn’t only convenient, but may also help you pay less for them, and enjoy other benefits as well.

If you are looking for an established and reliable insurance agency in Houston, you may want to take a look at Boardwalk Insurance, whose commercial as well as personal lines of insurance cover the whole gamut of insurance needs that individuals and organizations in Texas have. Boardwalk Insurance is an independent agency that works with the major insurance companies in the region and provides complete coverage. Learn more about our services at www.boardwalkinsurance.com.

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Keeping Your Exotic Car Safe 4.50/5 (90.00%) 2 votes

The investment you put into your exotic car is large, to say the least. Having a professional insurance agency in Houston to ensure your investment does not lose value in any way, shape, or form can provide you with the security and peace of mind you desire, making driving your beautiful exotic car that much more relaxing. At Boardwalk Insurance, we offer that peace of mind, with quality insurance that protects your car. Here are some additional steps you can take to ensure you keep your exotic car safe from all sorts of danger.

Exotic Car Warranty

An exotic car warranty is an investment which all exotic car owners should seriously consider. It extends the factory warranty and expands on it as well. Although it does cost extra to maintain said warranty, more often than not, it is a good idea to invest in such a warranty as it can ensure that damage to your exotic car is readily undone. Although coverage can vary, generally exotic car warranties are much more inclusive and liberal in their coverage than their factory counterparts are. At Boardwalk Insurance, we provide very inclusive exotic car insurance at an affordable price.

Install Preventative Hardware

By preventative hardware, we mean things such as airbags, anti-theft alarms, etc. Depending on where you purchased car and what type your car is, these things may have been removed or never installed so as to maximize performance. It is highly recommended that you (re)install such devices as the cost it can accrue over a long period of time will likely outweigh the cost it will in the short term.

Erase Your Past Citations

Although sometimes difficult, removing your past driving records regarding accidents and tickets can really make getting insurance for your exotic car less costly. Usually a highly skilled lawyer will be able to accomplish this feat. Doing so will likely diminish your premiums and increase forgiveness.

Etch Your VIN Number on Your Car’s Window

By carving in your VIN number in your car’s window you can add an extra layer of identification in the event that your car is stolen. Doing so will also – as an added benefit – likely decrease your coverage rates since it eases the tracking process.

Luckily for exotic car owners a great many of the measures you take to ensure your car’s safety will also decrease your premium and make insurances companies more affable. This win-win situation really goes to bolster the importance of insuring your car is protected by a warranty and by anti-theft measures.

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