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The Essential Guide to Classic Car Insurance

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Hit the open road in a classic car, and you’ll turn heads everywhere you go. But before you take your pride and joy out for a spin, make sure you have the right insurance in place. Classic car insurance is different from regular automobile insurance, so it’s important to understand what coverage you need. Zenith Insurance Group in Pinellas County offers this guide to help you get started.

What Is Classic Car Insurance?

Classic car insurance is a type of automobile insurance designed for classic, antique, and collectible cars. Unlike regular auto insurance, which is based on the actual cash value of your vehicle, classic car insurance typically uses an agreed-upon value system. This means that you and your insurer agree on a set value for your vehicle, regardless of its actual cash value.

Why Do I Need Classic Car Insurance?

If you own a classic car, it’s important to have the right insurance in place to protect your investment. Classic cars are valuable assets, and they require special care and protection. In the event of an accident or theft, you want to make sure you have the right coverage in place to protect your vehicle.

What Does Classic Car Insurance Cover?

Classic car insurance covers your vehicle in the event of an accident, theft, or other covered incident. Coverage typically includes agreed-upon value protection, as well as liability coverage. You may also have the option to add additional coverage, such as roadside assistance or emergency expense reimbursement.

How Do You Qualify for Classic Car Insurance?

To qualify for classic car insurance, your vehicle must meet certain criteria. Typically, insurers require that your vehicle be at least 25 years old and have a limited mileage restriction. Some insurers also require that you have a clean driving record and that your vehicle is used for leisure or collector purposes only. However, you need to speak with your insurer to see what specific criteria they require.

Need Classic Car Insurance in Pinellas County?

If you own a classic car, Zenith Insurance Group can help you find the right insurance to protect your investment. We offer classic car insurance policies that cover your vehicle in the event of an accident, theft, or other covered incident. Contact us today to get started.

How to Choose the Right Renters Insurance for Your Needs

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As a renter, you know that your landlord’s insurance doesn’t cover your belongings in the event of theft, damage from a natural disaster, or other covered incident. That’s where renters insurance comes in. But with so many options out there, how do you choose the right policy for your needs? Zenith Insurance Group in Pinellas County provides you with a guide. 

Here are some things to consider when shopping for renters insurance

1. Coverage Limits

One of the most important things to look at when shopping for renters insurance is the coverage limits. This is the maximum amount that your insurer will pay out in the event of a claim. Make sure to choose a policy with limits that will cover the replacement value of your belongings. It should also be enough to cover any medical expenses if someone is injured in your home.

2. Deductibles

Another important thing to consider when choosing a renters insurance policy is the deductible. This is the amount you will have to pay out of pocket in the event of a claim. Choose a deductible that you can afford to pay in the event of an emergency.

3. Policy Riders

Policy riders are optional add-ons that you can purchase to customize your renters insurance policy. Riders can cover things like high-value items, pet damage, or identity theft. Choose the riders that make sense for your needs and budget.

4. Premiums

Of course, you’ll also want to consider the cost of your renters insurance policy. Premiums will vary based on the coverage limits and deductibles you choose and the location of your rental property. While it’s advisable not to go for the bare-minimum coverage to save on premiums, you don’t want to overpay for coverage you don’t need, either.

Get Renters Insurance in Pinellas County

Now that you know some of the things to look for when shopping for renters insurance, it’s time to get started. Zenith Insurance Group can help you find the right policy for your needs. We have coverage options to fit any budget, and our experienced agents can help you tailor a policy to your specific needs. Contact us today to get started.

Tips to Drive Your RV Safely

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RVing is a great way to explore new places while staying in your own place. You can drive your RV from one place to another, so you aren’t stuck in one location for your entire vacation. You may also decide to go on several shorter vacations in your RV. 

That being said, it isn’t easy driving a RV. Zenith Insurance Group in Pinellas County provides you some tips to drive safely. 

Safety Tips For Your RV

Practice. Your first time behind the wheel shouldn’t be going down the highway to your destination. You should practice driving it around a parking lot before you even venture out on the road. You need to learn how to back up and turn before you go any further. Then, start with short trips and make your way up.

Slow down. Though you may be used to driving your car above the speed limit, you really shouldn’t do the same with your RV. You need to drive slowly and carefully. Your destination will be there, no matter what time you get there. If you have to be somewhere, give yourself extra time. 

Give yourself extra distance. It takes longer to slow down in a big RV, so it is important to keep some extra distance between yourself and the other traffic. You may also need more room to turn. 

No matter how good of a driver you are, accidents happen. For this reason, you should make sure that you have enough insurance to cover anything that could happen. 

If you want to make sure that you and your family are fully protected, you need to contact us today at Zenith Insurance Group in Pinellas County. We will talk to you about your options to make sure that you have enough insurance for your RV. 

Florida State Motorcycle Insurance Requirements

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When you buy your motorcycle, before riding your first mile, visit Zenith Insurance Group serving Pinellas County for the insurance that will keep you legally on the roads of Florida.

Required Insurance

Florida requires each rider to carry motorcycle insurance that protects others on the road. You will need to cover your own liability through an insurance policy. State law sets minimum requirements for this insurance of:

  • bodily injury liability in the amount of $10,000 per person,
  • bodily injury liability in the amount of $20,000 per accident,
  • property damage liability in the amount of $10,000 per accident.

Although Florida has a no-fault law, it only applies to automobile owners. The no-fault law requires the purchase of personal injury protection (PIP). Motorcyclists don’t have to carry this type of insurance.

Optional Insurance

Besides the required insurance, you could add insurance that protects your motorcycle and your health. The state’s liability insurance only protects the other guy, so to speak. To protect your bike and pay your medical bills in case of an accident, you’ll need comprehensive, collision, and personal injury protection.

Comprehensive pays to repair or replace your bike when your bike incurs damage from a named peril, such as hail, earthquake, or hurricane. Collision covers repairing or replacing your bike when you’re involved in a single-vehicle accident, such as if you hit a fence or mailbox with the bike.

PIP provides you with reimbursement for your medical bills. If you’re involved in an accident with another biker or a single-vehicle accident, this policy covers your medical costs.

Call us today

Contact Zenith Insurance Group serving Pinellas County to obtain the motorcycle insurance you need to protect your bike and yourself.

Is Boat Insurance Required By Law?

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Although boat insurance is not legally required in Florida, it doesn’t mean that you shouldn’t opt for coverage. With recreational boating on the rise and more people taking to the waterways every day, the risk of an accident is at an all time high. The only way to protect yourself, your passengers, your boat, and others on the water is to carry adequate insurance coverage.

What Does Boat Insurance Cover:

Although coverage may vary from policy to policy, your boat insurance policy is likely to include the following:

  • Liability Coverage: Covers both property and bodily damage if you are deemed to be at fault in an accident.
  • Towing: If your boat or watercraft is disabled, towing coverage provides monetary support for towing your boat to a marina or harbor of your choosing.
  • Collision and Comprehensive Coverage: If your boat is damaged in an accident or a covered incident such as theft or vandalism, this coverage helps pay for the repairs.
  • Uninsured Boater Coverage: If your boat is damaged or you and your passengers are injured because of an accident involving an uninsured boater, having this coverage means that you won’t be on the hook for repair costs or medical expenses. 

How Should a Boat be Stored?

During the offseason, your boat needs to be stored and protected from the elements. The best option – indoor storage – is also the most expensive choice, but it provides a temperature-controlled environment that is protected from theft, vandalism, and storms. 

When it comes to protecting your boat, let the Zenith Insurance Group in Pinellas County earn your business. Our dedicated team of insurance professionals knows the industry inside out and can answer your questions while customizing a boat insurance policy that meets your needs while staying on budget. 

Why Umbrella Insurance Is A Wise Investment

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Zenith Insurance Group assists Pinellas County residents. We recognize all the sacrifices that our clients have made in order to live comfortably. That’s why we strive to make sure that they receive the coverage they’re looking for. Insurance is a safety net to help you navigate life’s challenges. We will sit down with you and assess your situation so that you will receive the appropriate coverage to protect your future.

Why Umbrella Insurance Is A Wise Investment

Umbrella insurance is supplemental coverage that protects Pinellas County residents in emergency situations. Umbrella insurance steps in once you have reached your liability limit on other types of coverage. In serious cases, umbrella insurance can prevent you from losing your home or life’s savings. Imagine you are driving on a regular day, and you look down for one second to check your phone. Suddenly a car appears, and you collide with them, causing a serious injury. You will be technically responsible because you took your eye off the road.

The injured party needs extensive medical treatment. Once your liability coverage has been exhausted, you would be responsible for covering the rest of the medical treatment out of pocket unless you have umbrella insurance. Umbrella insurance gives you peace of mind that your assets aren’t at risk. Umbrella insurance also covers you against potential allegations of slander or defamation of character. This gives you a safety net to rely on during complex litigation. If you’re a business owner, umbrella insurance can help prevent you from losing everything.

Zenith Insurance Group Will Help You Cover Your Assets

Visit our website to learn more information about umbrella insurance.

Who Needs Flood Insurance?

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Flooding is something that happens often, and not always where you think it will. Flooding is the most common disaster in the U.S., and it’s also the one that costs the most in damages. Homeowners in the U.S. end up owing millions of dollars in damages every year thanks to floods. If you are interested in getting flood insurance, call us today at Zenith Insurance Group in Pinellas County.

Where Flooding Happens

Flooding can be caused by a number of factors. It can happen with storm surge, snowfall that melts, excessive rains, clogged storm drains, broken dams, etc. Many people think that because they don’t like near the water, they aren’t in danger of being flooded. However, nearly every county in the U.S. has experienced flooding in the past 25 years. Flooding can happen just about anywhere, and it’s important to be protected in case it happens to you. Standard homeowners’ insurance does not cover flooding. That’s why flood insurance is so important. 

Getting Flood Insurance

It’s a common idea that you only need to have flood insurance when you live in a high-risk flood zone. It’s important insurance to have if you live in one of these zones, but it is important in other areas as well. More than 20% of the country’s flood claims are from areas that are not in high-risk areas. That makes it important for people outside of those zones to have coverage as well. If you do live in a high-risk area and have gotten assistance in the past for flooding, you may be required to have this insurance. If you don’t, you may be ineligible for other disaster aid in the future. 

Get Your Flood Insurance

If you think you may need flood insurance, you can call us at Zenith Insurance Group in Pinellas County. 

Why condo insurance is a must-have in Florida

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If you are a condo owner in Pinellas County or are considering making a purchase soon, Zenith Insurance Group can help you with all of your condo insurance needs. Purchasing insurance for your home can feel like a lot because of the different options that are available. We don’t want you to feel like you are drowning in information, and are here to help you make the decision that is right for your needs.

Why condo insurance is so important

Because there are a number of different residences within the condominium, it’s important to know exactly what coverage you need when it comes to protecting your home. Our team will review your needs with you in order for you to determine what type of policy and what coverage level is appropriate for your condo unit.

There are a lot of different ways that a condo board can operate, and different insurance requirements depending on the building and its board and by-laws. Typically, common areas and the structure itself will be covered by the condo policy and your private insurance will cover your unit.

What many residents may not realize, is that there are oftentimes clauses that make owners responsible for any damage to their unit, regardless of who is responsible for the damage. Having comprehensive coverage can help to protect your condo unit if there is damage caused by a covered event. 

We are here to help! 

Zenith Insurance Group is proud to serve the needs of our friends and neighbors in the greater Pinellas County area. If it’s time to review your condo insurance, or you’re making a new purchase, call or stop by today. 

Why basic auto insurance may not be the right choice for you

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Drivers in Florida need to have the protection that auto insurance provides. How much protection you need depends on a few different factors. Basic insurance is what is mandated by the state. Florida is a no-fault state, so there is a little more involved in basic insurance beyond just the liability insurance mandated.  Zenith Insurance Group in Pinellas County, Florida is dedicated to operating with honesty and integrity and is locally owned and operated. 

Basic Auto insurance in Florida is Property Damage Liability insurance (PDL) and PIP (Personal Injury Protection). Both of these must be a minimum of $10,000. You must get this insurance from an insurance agent licensed to do business in Florida and maintain it continuously while your vehicle is registered in the state. 

This basic insurance provides for your own medical expenses in the event of an auto accident and damage to the vehicle of someone in an accident where you are at fault. $10,000 is not a lot of coverage when it comes to repairing or replacing a vehicle. If it is a relatively new vehicle, it could be two or three times that amount. If the injuries in an accident exceed the PIP limit of the other driver, you could be sued for those costs. 

You need to discuss the amount that will protect you and your assets from legal action with your insurance agent. 

If you have an auto loan, you will need to carry collision and comprehensive coverage in addition to what the state mandates. Even if you don’t have an auto loan, if you count on your vehicle to go about your daily activities, having this coverage is important. If you might have difficulty coming up with the amount of money you would need to repair or replace your vehicle, this insurance is vital. 

Contact Zenith Insurance Group in Pinellas County for all your auto insurance needs. 

How commercial insurance can save my small business

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Florida is a popular place to do business and ranks among the top states for business friendliness. Not only is it tax-friendly, but the cost of doing business in the state and labor are both affordable. That doesn’t mean, however, that it is any less risky to be a business owner in Pinellas County. Commercial insurance can help protect your small business and  Zenith Insurance Group has a knowledgeable team to offer guidance. 

Small businesses are particularly vulnerable to risks that threaten all businesses. Protecting your business is doubly important. 

Getting your business back up and running

Having commercial property insurance offers the protection your small business needs if it gets hit by a covered peril. If your machinery, building, office equipment, inventory, and raw materials are damaged or destroyed, how will you keep your small business from folding? If you have commercial property insurance, you will have the funds to be back up and running in no time at all. 

Protect your assets

Small businesses are popular targets for legal actions. If you have commercial liability insurance, you will have the money you need to pay a judgment against you and the legal fees that result from defending yourself. You can be sued by a customer, a vendor, or even an employee, and your assets would be in danger and even your entire business without commercial liability coverage. 

Pay your bills

If your business is not able to operate because of a covered peril, your obligations are not going to go away just because your income has. Commercial business interruption insurance can give you the money you need to pay your bills and meet your payroll expenses while your business recovers. 

Contact Zenith Insurance Group in Pinellas County to discuss the type of commercial insurance that works best for your small business.

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