For motorcycle owners in Naples, FL, our team of professionals at Pro America Insurance is used to helping folks navigate the right amount of coverage for them. Some motorcycle owners may only have one bike, while others may have several bikes that make up their prized collection. When you have more than one motorcycle, you may have questions about how you should go about insuring all of your bikes to ensure that they are protected against the common issues that insurance policies address. Although every policy has various terms, limits, and conditions, we can discuss the general basics of insuring a motorcycle collection.

What Is Motorcycle Insurance?

Motorcycle insurance provides coverage for motorcycles and related vehicles. Although policies differ, you’ll find that most cover some combination of liability, such as replacing a stolen motorcycle and other events. Suppose you want your policy to provide coverage for a specific problem area. In that case, you should ask your insurance agent whether your current policy covers that and whether you could transition to a policy that does cover it or add another one on top of your existing policy.

Can You Insure More than One Motorcycle in Florida?

You may be able to get a multi-bike policy or an individual policy for each motorcycle. Depending on the size of your collection and the types of coverage you want for each motorcycle, you may be better off with one policy to stay organized. Alternatively, having multiple policies that tailor coverage to specific bikes in your collection and their needs could be wise. 

Contact Pro America Insurance for Your Motorcycle Insurance

For more information on our motorcycle insurance policies in Naples, FL, call our team of insurance professionals at Pro America Insurance.

Life’s journey can have several twists and turns. That’s where the professionals at Pro America Insurance come into play. They can assist Naples, FL residents with every aspect of their life insurance policy. Check out the following guide to learn everything you need about the most crucial advantages a life policy can provide.

Protecting Your Family

If the unthinkable were to occur, your family would not have the time and effort to handle the financial aspect independently. For them to have the time and space they need, you must ensure that you obtain a life insurance policy that reflects their potential needs. Otherwise, they will be left scrambling during an extremely vulnerable moment.

Removal of Tax Concerns

The money that is provided to your loved ones through a life insurance policy is offered on a tax-free basis. There are no additional hoops for them to jump through. The benefits these policies offer are passed down to your next of kin without them having to contact an accountant and work through a labyrinth of federal tax-related issues.

Optional Riders

Of course, every life insurance must be constructed with each client’s specific needs in mind. Our team of experienced insurance representatives is more than happy to walk you through all the available optional riders. Those with chronic illnesses or children they wish to protect will need to talk through all of the optional riders that are aimed at addressing these concerns.

At Pro America Insurance, we aim to provide all our clients with the information they need most. Once you are ready to start shopping for life insurance policies, our team is here to help. Be sure to reach out as soon as possible.

Naples, FL has continued to be a fast-growing part of Florida. Due to the growing population and strong economy, being a business owner here is a good idea. When you start a business, you should ensure you have the proper commercial insurance plan in place. There are a lot of situations when it is helpful to have this coverage. 

When Named Liable for an Accident

You will find it helpful to have a commercial insurance plan in place when you have been named liable for an accident. No matter what type of business you own, accidents will happen. You may be held responsible if these result in damages incurred by another party. Fortunately, if you carry a full commercial insurance plan, you will receive some commercial liability coverage.

When Assets are Lost

Another situation when having a commercial insurance plan is when you have lost assets. Any business today will rely on its investments and assets. This can include real estate, inventory, equipment, and other items. When you lose these assets for any reason, it can be a big setback. Fortunately, a commercial insurance plan will give coverage that can provide support if you are a victim of theft, fire damage, or other types of loss. 

Any business owner in the Naples, FL, area will want to know they are insured. One of the ways you can ensure that you get the right commercial insurance plan is by calling our team with Pro America Insurance. Our team with Pro America Insurance can offer you any help necessary when building a new policy. This will help ensure you are happy with your coverage and have peace of mind.

If you’re unfamiliar with condo insurance, you’re certainly not alone. As the name implies, it is a type of insurance designed specifically for people who own condominiums. It can help protect your belongings, as well as the interior of your property, from things like fire, theft, and even water damage. If you’re currently looking for condo insurance in Naples, FL, consider a policy from us at Pro America Insurance. In the meantime, check out the following facts to understand precisely what condo insurance is and how it works:

What It Covers

• Personal property, including furniture, appliances, electronics, clothing, and more 
• Legal fees and personality injury settlements if someone is injured in your condominium 
• Additional living expenses if your condo becomes uninhabitable and you need to live somewhere else while it is repaired
• The basic structure of the condo, including interior walls, floors, and ceilings (no exterior coverage)

What It Doesn’t Cover

Standard condo insurance does not cover certain things like natural disasters or damage caused by pests. It also doesn’t cover the common areas of the condo complex, like hallways, elevators, roofs, etc. You may need additional coverage for these.

Condo Insurance Vs. HOA Master Policy

The Condo Association typically has a master insurance policy, which covers the exterior of the building, common areas, and sometimes even original fixtures in your unit. However, this policy does not cover personal belongings or any improvements you’ve made to the unit. That’s where your personal condo insurance comes in.

The Cost of Condo Insurance

The cost of condo insurance depends on various factors, including the value of your personal property, coverage limits and deductibles, your condo’s location, size, the building’s construction type, and more.

And remember, if you need condo insurance in Naples, FL, contact us at Pro America Insurance today!

Motorhomes are a home away from home. They can be the catalyst for countless memories throughout the year. However, there may be times when your motorhome stays parked and vacant for extended periods. When this happens, it’s common for owners to wonder if they even need to continue paying for insurance on their motorhome. After all, you aren’t using it, so why do you need coverage?

Unfortunately, it’s just not that simple. The team at Pro America Insurance is here to tell you about just a few of the reasons why you need motorhome insurance year-round.

You Might Be Required To Maintain Insurance

If you’re currently making payments on your motorhome, your lender likely requires you to maintain a certain level of coverage throughout the year. Similar to insurance for regular cars and homes, the lender wants to ensure their investment is always protected. Additionally, if you park your motorhome at a storage facility, the facility may require you to provide storage insurance.

There’s No Off Season for Disasters

It’s foolish to assume that it can’t be damaged just because you aren’t out on the open road in your motorhome. Depending on where–and how–you store your motorhome, it may be vulnerable to fires, flooding, storms, vandalism, and more. If your insurance policy lapses, you might find yourself paying for repairs–or even a new motorhome–out of your pocket.

Speak With An Experienced Agent About Motorhome Insurance Today!

Your motorhome is a major investment and should be protected as such. Here at Pro America Insurance, we understand how important your motorhome is to your family and will work with you to find the best coverage for you. Contact our office in Naples, FL today to learn more.

Carrying flood insurance is important. Homeowners shouldn’t underestimate the importance of flood insurance or the frequency with which floods cause expensive damage to homes in Naples, FL. Pro America Insurance is a provider of flood insurance. 

The following are three steps you should go through before you purchase flood insurance. 

Research flood insurance providers in your area

You need to explore your options before you buy a flood insurance policy. It’s vital to research flood insurance providers to determine which company you should get quotes from and eventually buy your policy from. 

You should research information about the policy offerings, customer service quality, and reputations of insurance providers in your area. 

Contact the providers you prefer and get quotes.

Getting quotes from multiple insurance providers is essential. Flood insurance providers will provide you with policy quotes so that you can compare the offers you get. You need to contact insurance providers and give them some details about your property to get a quote. 

Select and purchase a flood insurance policy.

Evaluate the quotes you receive from flood insurance providers in your area. When you evaluate quotes, you should consider the price. You should also consider the coverage options and amounts various insurance providers offer. 

When you make a decision on which policy to purchase, sign up and begin paying premiums. Be sure to factor insurance premium costs into your monthly budget and keep up with all your premium payments. You will usually have the option to pay either monthly or upfront.

Let us help you meet your flood insurance needs. If you’re a homeowner in Naples, FL, you can protect your home against flood damage with our assistance at Pro America Insurance. Contact us today for a policy quote. 

Boat owners aren’t required to carry boat insurance in most states. Boat insurance is only legally required in Arkansas and Utah, not Florida or other states. However, although boat insurance isn’t a legal requirement in most states, it doesn’t mean that it may not be required by other establishments or in different situations. If you are financing your boat, you will need boat insurance. Most lenders require insurance to protect their investment until it’s paid in full. Our team at Pro America Insurance is invested in helping Naples, FL boat owners get the insurance coverage they need to meet the needs of where, when, and how they use their boats. 

What is Boat Insurance?

Boat insurance provides coverage and protection for your boat or watercraft. This coverage and protection can include liability protection and coverage for repairing or replacing your boat. The liability coverage protects if you damage another boat or property or cause personal injuries while boating. Your protection applies regardless of whether your boat is on water or land and even covers theft and your personal injuries while boating if you purchase a policy that includes personal injury coverage. 

Do I need boat insurance to dock at a marina?

Although not every marina requires boaters to carry liability insurance, many do. Liability coverage insures that other boaters will be covered if you cause an accident or property damage. Liability coverage would cover damage to other people’s property and damage to the marina itself. Liability coverage covers accidents that may happen in transit as well as accidents on the water. If you have questions regarding the coverage that boat insurance provides and any other benefits, call us. We’d be happy to help you explore your options. 

At Pro America Insurance in Naples, FL, we get how liberating and enjoyable it can be to take an inter-state trip on the open road on two wheels. Riding a motorcycle through multiple states, you experience a wide range of beautiful scenes and fresh views.

While every state is different, motorcycle insurance is still a good thing to have as a motorcycle owner or rider in Florida, especially on interstate rides.

What is motorcycle insurance?

Motorcycle insurance is a type of insurance policy that covers your two-wheeled vehicle in cases of theft, damage, and liability. While some states do not legally require motorcycle insurance, it is vital to have it because it protects you against the unexpected.

Although you might never have to use it, it’s still helpful in case you get into an accident and either need to replace your motorcycle or cover the costs of the other party’s medical expenses if you are found at fault. As a motorcyclist, it can provide a sense of security.

Do I need motorcycle insurance if I travel from Florida to another state?

Whether riding your motorcycle across state lines or transporting it to your vacation destination, having motorcycle insurance can be especially important for longer distances. Even though Florida does not require motorcyclists to have insurance, the other states where you travel may require it. Also, if your motorcycle gets stolen or damaged during the trip, you will want that coverage for peace of mind.

Whether you are traveling far away or staying in the Naples, FL region, our team at Pro America Insurance is here to help, so give us a call today!

Accident insurance is helpful in many different ways. Accident insurance can help pay for medical expenses due to any accident. Although health insurance might seem similar to accident insurance, it has some key differences. Accident insurance is paid directly to you rather than the hospital or medical center. You can even use it to take care of your copay, deductible, and other medical expenses that would otherwise be out of pocket as long as it is related to the accident. We are going to talk about the different types of accident coverage that are available.

Types of accident insurance

Car accident insurance

Car accident insurance covers you and your passengers if you get into a car accident. Unlike auto insurance, car accident insurance does not cover damage to the vehicle or liability.

Travel accident insurance

For travel accident insurance to cover your trip, you must have purchased your policy before the trip. Travel accident insurance helps you and your companions in case of accidental injury or death while you are away.

Customizable insurance plans

Some jobs are more hazardous than others jobs. You can customize your accident insurance to your needs. If you have a more risky job, for example, working on power lines, you will have more insurance needs and higher costs than someone with a safer job, such as an office job.

Contact us

Accidents can range from cuts, scrapes, and burns, to major accidents like multiple broken bones, the loss of limbs, or death. If you think you will benefit from accident insurance, don’t hesitate to contact us at Pro America Insurance in Naples, FL.

A storm is a natural event that can affect your boat in several different ways. To help you prepare your boat for a storm, creating and implementing a storm plan is important.

What is a storm?

A storm refers to any large weather event that can cause widespread damage or destruction. Several types of storms include tropical cyclones, hurricanes, blizzards, thunderstorms, and tornadoes. With their strong winds and heavy precipitation, storms can be incredibly dangerous for people who are on boats. That’s why it’s essential to understand how storms work and the best ways to prepare your boat for a storm.

Why should you prepare your boat for a storm?

There are several reasons why it’s important to prepare your boat for a storm. First and foremost, storms can be incredibly dangerous for people who are on boats and can cause property damage, injuries, or even fatalities. Additionally, strong winds and heavy precipitation can make boating difficult by creating choppy waters or severe weather conditions. By preparing your boat for a storm ahead of time, you’ll reduce the risk of injury or property damage during this natural event.

How can you prepare your boat for a storm?

There are several different approaches that you can take when preparing your boat for a storm. One of the most important things to do is ensure that all of your safety equipment is up-to-date and in good working order. This includes life jackets, flares, fire extinguishers, and first aid kits. You should also make sure that you have an emergency communication plan and a storm plan for your boat.

For more tips to keep your boat safe, call the Pro America Insurance Agency today. We serve the Naples, FL area.