Get Home Insurance that Suits your Needs

You’ve worked hard for your home and it is one of your most valuable assets. So, it is important to protect your home with the right homeowners insurance. Homeowners insurance covers the losses and damages to your house including other structures on your property, personal belongings, and even temporary living expenses during home repairs.

Homeowners insurance covers you in case of property damage from theft, fire, smoke, etc, and also covers the liability insurance for accidents that happen within the territory of your house or at the hands of the homeowner.

Our established relationships with top-rated insurance carriers and our experience in this field can help you get a cheap homeowners insurance.

Whether you are looking to insure your condo or home, or you are a renter looking for coverage on your personal property we can help you with policies flexible enough to meet your individual insurance needs. Call us and let’s discuss how to ensure better protection for you.

Get Auto Insurance that Suits your Needs

In every 18 seconds, a car accident happens in the United States. And these accidents can occur anywhere without giving any warning or signal. Make sure that you remain protected with a reliable auto insurance policy. An auto insurance policy defends you from the financial loss you can have if you get involved in an accident. Many states have made it mandatory that drivers have minimum auto insurance coverage. 

An auto insurance policy includes many kinds of coverages. We, at Mig13 - The Morgan Insurance Group make sure that you get the right protection at the right price. These various coverages are: 

Bodily injury liability insurance provides coverage if someone is injured or killed in an accident where you are involved. This coverage pays for the medical bills, legal defense if there is a lawsuit against you, and also protects your personal assets against a lawsuit. 

Personal Injury Protection: 
This coverage pays for the medical bills for the injuries that you or the passengers in your car sustained in an accident. 

Property Damage Liability: 
Property damage coverage protects you if your vehicle damages someone else’s vehicle or property. This insurance covers the cost to repair the other person’s vehicle and also covers the repair costs if your vehicle hits something on the road such as street light, fence, etc. 

Comprehensive Physical Damage: 
Apart from the damage your vehicle encounters other than an accident, the comprehensive physical damage includes the damage caused by theft, fire, or by any animal. 

Uninsured Motorist: 
This insurance covers you if you are involved in an accident by a motorist who is uninsured. This coverage pays for the medical expenses and the other related ones.

Collision: 
This coverage pays for the vehicle’s repair in case of an accident. This coverage is optional and many people do not buy it in case of older cars. Get in touch with us today to get the best and affordable auto insurance quote.

Get Personal Umbrella Insurance that Suits your Needs

Personal Umbrella Insurance gives you an extra layer of affordable liability protection in addition to your existing homeowners and auto insurance policies. An umbrella insurance supplements the basic liability coverage in addition to the coverage offered by your home, renters, and automobile insurance policies.

Apart from liability limits, the personal umbrella insurance comes with a lot of added benefits. It provides protection for claims of personal injuries or property damage caused by you or a member of your household; liability coverage for incidents that take place in your territory; and for protection of personal claims such as libel, slander, and defamation of character.

It also provides coverage for legal defense for a covered loss which includes lawyer’s fees and court costs.

Along with the existing policies, one can add an umbrella policy at any time. Get in touch with our experts and enjoy the peace of mind which comes with exceptional service and right coverage.

Get Watercraft Insurance that Suits your Needs

While spending your day on the water, the least you can expect is an accident. But unfortunately these accidents do occur and you end up in having a major financial burden.

A right boat insurance policy will provide you coverage for your boats, jet skis, yachts, and all your personal watercraft. The boat insurance quote varies as per your watercraft type but a typically standard boat insurance covers: 

• Towing
• Wreckage removal
• Water sports coverage
• Roadside assistance
• Fuel spill indemnification

The boat insurance policy is offered as a standard insurance and provides protection in case of bodily injury and property damage. If someone gets injured in an accident that you caused or any property gets damaged in an accident, this coverage will help you in all the scenarios.

Our deep knowledge and understanding of handling insurance with 30 years of experience helps us to provide you the best boat insurance coverage and price. We can also assist you with all your other insurance needs as well.

Call our experts today and we can tailor a coverage plan to protect you in the long run!

Get Flood Insurance that Suits your Needs

Your standard home insurance policy doesn’t cover flooding. So, it becomes imperative to have a flood insurance coverage against property loss from flooding.

The most common flood insurance is offered through the federally regulated policy known as the National Flood Insurance Policy (NIFP). This flood insurance FEMA guarantees compensation for flood damages because the Federal government backs NFIP flood insurance.

A typical flood insurance policy provides protection for two types of insurable property: The building and the contents. The building coverage includes the insured territory and its foundation, the electrical and plumbing system, central air conditioning equipment, cooking stoves, refrigerators, built-in appliances such as dishwashers while the contents coverage includes clothing, furniture, portable and window air conditioners, portable microwaves and dishwashers, carpeting if that is not included in property coverage.

If you have more questions, and want to know how much flood insurance do I need, feel free to contact us.

Get Wind Insurance that Suits your Needs

South Floridians are all too familiar with the issues that arise from severe weather, particularly hurricanes. We have learned the importance of proper insurance coverage and we here at Coastal Insurance can provide you with the needed protection. 

Standard homeowner insurance excludes coverage for hurricane damage, which is why it is important to protect your home with Wind Insurance. Wind Insurance is coverage for natural events where winds above normal levels directly damage your home. In cases where your home may endure wind damage your wind insurance policy will take effect. In the State of Florida homes located in pre determined areas are required to purchase Wind Insurance but as we all know anyone can fall subject to the wrath of severe weather. Call us today and allow us to provide you a free Wind Insurance quote.

Get Health Insurance that Suits your Needs

Everyone, at some point in life needs certain kind of medical treatment. And when you need medical attention, we don’t want you to worry about the medical expenses on the hospital bed.

Everyone, at some point in life needs certain kind of medical treatment. And when you need medical attention, we don’t want you to worry about the medical expenses on the hospital bed.

Health insurance covers a part of or whole of the medical expenses for illness, injuries or conditions a person incurred. This coverage saves you from paying the whole cost of the medical bills in form of doctor or hospital visits, tests, prescription medicines, etc.

At Coastal Insurance, you can compare, buy, and enroll the plan that fits your budget and needs. Either you’re getting insurance through your employer or buying your own, our experts will understand your medical needs and guide you so that you can make the right choice.

Call us today to find the best health coverage for you and your family.

Get Disability Insurance that Suits your Needs

Disability insurance pays a part of or all of a worker’s salary when the worker is unable to work due to an accident or illness.

This disability insurance reimburses a part of salary you lose while recovering from illness and injuries. The cost for disability insurance depends on workers’ occupation, age, health, lifestyle habits such as use of alcohol, and the amount of monthly benefits the worker intends
to receive.

There are typically two kinds of disability insurance: Short-term disability coverage and long-term disability coverage. Short-term disability coverage lasts from three to six months after an injury or  illness occurs while long-term insurance can last for a few years or until you reach retirement age. 

Contact our expert agents to learn more about disability insurance. Get in touch now!

Get Life Insurance that Suits your Needs

Are you sure that your family will be taken care of when you’re no more? Will they be able to manage all their bills after you’re gone?

We know that seems to be an ominous question to consider. The truth is that if your family is dependent on you financially, life insurance policy is a safety net you must have.

Life Insurance provides a payout to beneficiaries upon the insured’s death. One can choose life insurance types based on their needs and goals. While term life insurance provides protection for a specific period of time while other insurance like whole and universal life
provides lifetime coverage.

One thing for sure is the peace of mind you get after having a right life insurance policy. The policy provides coverage in the following cases:

Gives income replacement to the family.
Covers the money to pay off a mortgage.
Pays business debts if you die and allows a business partner to buy
out your share.
Provides funds for heirs to pay estate or inheritance taxes.
Allow you to protect your legacy.

At MIG13 - The Morgan Insurance Group we customize life insurance products specific to your needs that will protect you and your loved ones throughout life.

Get a life insurance quote online now or speak to us today to get the best life insurance rates:  (305)-451-4788