Complete Insurance Agency

Small business or not, insurance coverage matters. Make sure that you have adequate protection to avoid paying for expenses out of pocket. Call us at 305-667-7717.

Complete Insurance Agency
Covering You Completely

Protect your investment. 🏡 Maintain your property and address any issues promptly to prevent them from turning into costly problems. Additionally, documenting the condition of your home with photos and videos can provide valuable evidence in case you need to file a claim.

Contact us at 305-667-7717.

Complete Insurance Agency
Covering You Completely

Planning to buy a car soon?

As car prices see a decline, insurance costs are on the rise, hitting buyers hard.

This unexpected surge in insurance rates now constitutes a significant portion of vehicle ownership expenses.

Practicing safe driving remains even more crucial not only for personal safety, but also for keeping insurance costs low.

Contact us at 305-667-7717 for a comprehensive auto insurance quote.

Complete Insurance Agency
Covering You Completely

Avoiding home insurance can seem like a bold move, but it's a risky one.

A recent study found that 12% of American homeowners are opting to go without coverage, up from just 5% in 2015

This leaves the uninsured vulnerable to financial ruin in the event of disasters like fires or floods.

While insured homeowners may face rising premiums and limited coverage options, the consequences of being uninsured can far outweigh the costs.

The decision to forego insurance should be made with careful consideration of personal circumstances and the potential long-term financial implications.

Contact us at 305-667-7717 to know more about your options.

Complete Insurance Agency
Covering You Completely

US home insurance premiums are anticipated to hit a record high this year, with significant increases projected in states susceptible to severe weather events.

Florida, already enduring the highest rates nationwide, anticipates a further 7% increase.

The escalation in premiums is underscored by an "explosive" hurricane season forecasted for the US, with up to 25 named storms expected.

Additionally, rising reinsurance costs and growing expenses linked to home reconstruction further compound the issue, with Florida notably grappling with insurance fraud and legal disputes.

Call us at 305-667-7717 to explore homeowners insurance options.

Complete Insurance Agency
Covering You Completely

Easter is a time to rejoice, reflect, and cherish the blessings in our lives. Wishing you a peaceful and joy-filled Easter Sunday!

Complete Insurance Agency
Covering You Completely

Florida's extremely prone to flooding. This stems from its geographical features, including its extensive coastline, flat terrain, and high water table, which hinder the ground's ability to absorb excess rainwater. These factors, compounded by the state's subtropical climate and the risk of rising sea levels, make flooding a year-round concern, not limited to hurricane season.

Here’s what to do before, during, and after floods:

🌊 Stay informed about flood risks in your area.
🌊 Create an emergency preparedness plan and share it with family members.
🌊 Assemble an emergency kit with essentials like food, water, and medical supplies.
🌊 Develop a communication plan with family members and neighbors.
🌊 Follow evacuation orders if issued and move to higher ground if necessary.
🌊 After a flood, avoid contact with floodwaters and use caution when returning home.
🌊 Document any flood damage for insurance claims.

Given the unpredictability of flooding, make it a point to prioritize your flood insurance coverage. Get your current insurance plan evaluated today.

Complete Insurance Agency
Covering You Completely

Here are some tips on how to reduce fire risks! Make sure that you have the right insurance coverage to avoid losses and that you're adequately covered. Contact us at 305-667-7717 to inquire.

In the past year, the FBI's Internet Crime Complaint Center registered over 880,400 complaints.

Florida ranked third in cybercrime complaints with 41,061 reported incidents and total losses amounting to $870 million.

Cyber insurance provides coverage against potential financial losses resulting from cyberattacks, data breaches, and other malicious activities.

Given the increasing numbers of cybercrimes and their financial impact, it’s important for businesses to protect themselves from the costs associated with recovering from a cyber incident.

Having comprehensive cyber insurance can offer a layer of financial protection and cover legal fees, notification costs, public relations efforts, and financial losses due to business interruption.

Contact us at 305-667-7717 for a comprehensive quote.

Small, midsize, and midsize luxury SUVs lead the Insurance Institute for Highway Safety (IIHS) 2024 Top Safety Pick+ awards. Here's the list:

✅ 2024 Acura MDX
✅ 2024 BMW X3
✅ 2024 Ford Explorer
✅ 2024 Genesis GV80
✅ 2024 Kia Telluride
✅ 2024 Mazda CX-90
✅ 2024 Mercedes-Benz GLE-Class
✅ 2024 Nissan Pathfinder
✅ 2024 Subaru Ascent
✅ 2024 Tesla Model Y

Regardless of which model you own, make sure to have the appropriate insurance coverage for your vehicle. Always drive safely.

Call us at 305-667-7717.

Complete Insurance Agency
Covering You Completely

Here are some of the ways auto insurance fraud is committed:

❌ Vehicle Dumping (Give-Up) - Abandoning or disposing of a vehicle before reporting it stolen, and sometimes even profit from selling the car.

❌ False Registration - Registering a vehicle in a county with lower insurance premiums.

❌ Exaggerated Repair Costs - Repair shops overcharging insurers by inflating bills with unnecessary parts or labor after a car accident.

❌ Faulty Airbag Replacement - Manipulating airbags, using salvaged ones, affixing deployed airbags to non-deployed steering wheels, or neglecting replacement.

❌ Faulty Windshield Replacement - Scammers approaching vehicle owners, falsely claiming windshield damage and offering a covered replacement, only to replace it with a lower-quality one.

Make sure to steer clear of these fraudulent strategies, as engaging in such not only risks legal consequences but can also result in higher insurance premiums.

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Covering You Completely

Miami has the #9 spot in the highest number of wheel and tire theft claims during the final quarter of 2023.

OEMs are more frequently stolen due to higher production numbers, ease of matching, and increased costs. Most auto insurance policies generally cover wheels and tires up to a specified amount over the deductible.

The average cost for replacing four wheels and tires on-site is $2,800.

Make sure that your auto insurance policies are up to date to address these theft risks.

Complete Insurance Agency
Covering You Completely

We'll bet you've never heard this one. Love is like insurance – providing comfort, security, and peace of mind. Happy Valentine's Day!

Complete Insurance Agency
Covering You Completely

Traffic violations, such as speeding tickets or running red lights, can lead to an increase in insurance premiums.

These incidents suggest a higher risk of accidents or claims, prompting insurers to adjust rates accordingly.

Similarly, accidents, especially those where you are at fault, contribute to a less favorable risk profile, potentially resulting in higher premiums.

Maintaining a clean driving record is a surefire way to keep your auto insurance premium low.

Complete Insurance Agency
Covering You Completely

Implementing training programs for employees can enhance workplace safety and minimize the risk of accidents and liabilities. This can positively impact your business insurance premium.

When employees gain a heightened awareness of safety protocols, potential hazards, and best practices, they are more likely to adhere to safety guidelines.

Fewer accidents translate to a reduced frequency of insurance claims, which can contribute to lower insurance premiums.

Investing in training programs for employees serves as a proactive measure to reduce the risk of accidents and liabilities.

Complete Insurance Agency
Covering You Completely

A customer in Florida has filed a negligence lawsuit against Dunkin' alleging that he sustained severe and long-term injuries due to an exploding toilet a year ago.

The plaintiff seeks over $100,000 in damages, claiming bodily injury and the need for mental health care since the incident.

The lawsuit asserts that Dunkin' failed to warn him of the toilet's danger and argues that the restaurant management had a duty to maintain safe premises.

While the situation is undoubtedly unfortunate, it underscores a crucial lesson for business owners—they must ensure that they are adequately protected with the right insurance coverage.

Specifically, business liability insurance policies not only cover direct financial liabilities but also extend to legal defense expenses.

Contact us at 305-667-7717 to ensure that your business is covered and protected.

Complete Insurance Agency
Covering You Completely

Auto insurance costs have risen by 20.3% in December compared to the previous year.

Insurance rates are predicted by experts to likely to continue their upward trajectory due to increased costs associated with replacement parts and repairs.

Although prices of used cars and trucks had previously decreased from their peak two years ago, the December consumer-price index revealed a surprising uptick in used-vehicle costs, contradicting economists' expectations for a decline.

This unexpected monthly increase contributed to the acceleration of the overall inflation rate.

Despite a decline in 2023, used-vehicle prices remain elevated, experiencing a 38% increase since the beginning of the pandemic.

With the rising costs, now is a great time to secure your insurance coverage. Don't wait—act now and call us at 305-667-7717.

Complete Insurance Agency
Covering You Completely

Wishing everyone a day filled with reflection, unity, and the pursuit of justice. Happy Martin Luther King Jr. Day!

Complete Insurance Agency
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This is big news!

Florida is considering legislation to enhance flood mitigation efforts and elevate homes to combat the growing threats of flooding and storm surge in the face of climate change.

Senate Bill 1208 and House Bill 1143 propose expanding the My Safe Florida Home mitigation program by over $200 million.

The legislation aims to provide matching grants of up to $10,000 for eligible homes built before 1982, located in the 100-year floodplain, carrying flood insurance, and having an insured value of less than $700,000.

Stay tuned for more updates.

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Florida lawmakers are grappling with the state's homeowners insurance crisis, with various proposals being considered to address the issue.

Governor Ron DeSantis has suggested cutting insurance taxes, while other lawmakers are focusing on increasing insurers' transparency and providing direct subsidies to struggling residents, among others.

Some proposals include creating a grant program for insurance and mortgage payments, making the insurance commissioner an elected position, and instituting mediation for disputed property insurance claims.

The proposals aim to alleviate the burden on Florida residents facing high homeowners insurance premiums.

Complete Insurance Agency
Covering You Completely

Wishing you a year of growth, joy, and remarkable achievements.

Happy New Year to you and your loved ones!

Boost your home's security! Install deadbolt locks, smoke detectors, and a security system to reduce risks, potentially earning you discounts on your insurance premium. A small investment in safety can lead to significant long-term savings!

Complete Insurance Agency
Covering You Completely

Wishing you a Christmas season wrapped in love, tied with joy, and adorned with the blessings of the holiday spirit.

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South Florida experienced stormy weather resembling hurricane season, impacting outdoor holiday plans.

It led to to cancellations of holiday events, including boat parades.

Meteorologists, unfortunately, are predicting rain for Christmas Day and more on the following day.

Fingers crossed! Contact us to ensure that a comprehensive home insurance plan is in place for your own peace of mind.

Complete Insurance Agency
Covering You Completely

Here are a few ways to keep your business insurance premium low! Contact us at 305-667-7717 for more tips. 📞

Complete Insurance Agency
Covering You Completely

Sending love and light as you celebrate the Festival of Lights with family and friends. Happy Hanukkah!

Complete Insurance Agency
Covering You Completely

A study by the Workers Compensation Research Institute has found that workers' mental health comorbidities, such as anxiety and depression, are associated with lower functional recovery from back pain compared to physical health comorbidities.

The research, based on a large sample of 68,850 workers who received physical therapy for low back pain, revealed that identifying and understanding the impact of mental health comorbidities on recovery could help workers' compensation stakeholders adapt treatments for those with high-risk comorbidities.

Of course, there could still be challenges in implementing routine screening and treating conditions like sleep dysfunction within the workers' comp system.

Want to come up with a program that prioritizes your employees’ mental and physical health? Call us at 305-667-7717.

Complete Insurance Agency
Covering You Completely

If you want favorable insurance rates for your home, the first step is to take safety and security precautions.

Some safety measures may be required by local building codes or regulations. Additionally, frequency of claims is a factor in the assessment of your insurance premium.

Consult with us at 305-667-7717 for more tips on how to get lower premiums.

Complete Insurance Agency
Covering You Completely

Insured in gratitude, covered in blessings. Wishing you a joyful Thanksgiving!

Insurers calculate premiums based on the estimated cost to rebuild or repair a home in the event of damage or destruction.

Older homes, especially those with unique architectural features or materials that are no longer widely used, may incur higher replacement costs.

Contact us 305-667-7717 to get a comprehensive quote.

Complete Insurance Agency
Covering You Completely