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Custom Motorcycles and Insurance: Special Considerations for Tampa Bike Owners

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Whether you’re cruising through Ybor City or taking in the views from Bayshore Boulevard, owning a motorcycle in Tampa, FL requires you to have the necessary motorcycle insurance. Especially if you have a custom motorcycle, you don’t want to rely on just any policy. At Morgan Insurance Services, we take the time to understand your motorcycle, your driving habits in Tampa, and more to ensure you get a policy you can depend on.

Considerations When Insuring a Custom Motorcycle

Suppose the unthinkable happens, and you get into an accident (or your bike is stolen or encounters another issue) where you have to file a claim. In that case, you want to ensure the insurance company covers the replacement costs.

This means you must carefully examine your bike to determine how "custom" it really is.

For instance, did you build it with a kit? If so, you may need a policy where you and the insurance company establish an "agreed value."

If you have a standard motorcycle but have added quite a few custom accessories, you may be able to get a standard motorcycle insurance policy in Florida. However, you might also want to purchase add-on coverage that will cover all those additional accessories.

Identify your motorcycle’s make and model. Then, consider the value of every customization you’ve made. This information will be helpful when you start to build your policy.

Start Exploring the Right Policy

Since there are many factors to consider when getting motorcycle insurance in Tampa, FL, it’s important to work with agents who understand custom motorcycles. At Morgan Insurance Services, we’re here to help. Call us at your convenience to discuss your policy.

What to Do When Your Condo Insurance Policy Runs Out in Tampa, FL

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Understanding the limits of your existing condo insurance policy can prevent you from discovering that you don’t have enough coverage after a natural disaster, break-in, or vandalism.

Morgan Insurance Services’ guide below discusses what to do when your condo insurance policy expires in Tampa, FL.

What to Do When Your Condo Insurance Policy Runs Out

1. Review Existing Policies

Insurance can help you financially recover from a devastating loss resulting from natural disasters, extreme weather, and unpredictable events. Talk to a trusted insurance agent to learn if you have enough coverage to determine if you have sufficient financial protection for liability claims, medical claims, and damage claims.

2. Supplement Your Condo Insurance Policy with Umbrella Insurance

Umbrella insurance is a special add-on coverage that can help cover the costs of out-of-pocket expenses related to insurance claims that exceed the limits of existing policies.

Florida residents can add umbrella insurance to almost any policy to extend its limits. This includes condo insurance, home insurance, and auto insurance policies.

3. Ensure There Are No Gaps in Coverage

Once you have updated your condo insurance policy and added supplemental umbrella insurance to extend its limits, the next step is to ensure there are no gaps in coverage that can leave you vulnerable to financial risks when the unexpected strikes.

Protect Your Condo and Peace of Mind with Umbrella Insurance

Having umbrella insurance to extend the limits of existing insurance policies is an excellent way to provide a financial shield for your home, condo, and automobile.

Contact an experienced agent at Morgan Insurance Services to get answers to your questions about extending your insurance coverage, and get an umbrella insurance quote today!

Does RV Insurance Cover Hurricane Damage?

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The insurance policy you can get for an RV depends on whether the RV is one full vehicle (e.g., a Class A) or a towed trailer. This also affects hurricane coverage, and if you’re a new RVer preparing to join RV/trailer life in Florida, you need to know what coverage will help you out should you get caught in a hurricane or tropical storm. Seek advice from a knowledgeable insurance agency like Morgan Insurance Services in the Tampa, FL area before embarking on your new adventure.

Understanding Hurricane Coverage for RVs

A full RV that’s one piece, like the aforementioned Class A, is treated differently from a towed 5th wheel, and a trailer taken out on the road is treated differently from a trailer parked on a permanent site. It should be noted here that towed travel trailers aren’t treated like separate vehicles, and you’ll need regular insurance covering the towing vehicle. Speak to your insurance agent about how to insure the items inside the trailer.

RVs serve as both your vehicle and your home, and the typical RV insurance is meant to cover both aspects. At a minimum, you need two forms of liability insurance that cover property damage and personal injury protection, but those cover only a limited number of scenarios. Neither of those will cover damage from a hurricane or tropical storm. For that, you’d need comprehensive coverage, which is typically paired with collision coverage.

If your RV does suffer damage from a hurricane or tropical storm, the reimbursement you can get depends on whether the damage was due to outside conditions or poor maintenance. If your RV had a damaged window that allowed rain to leak in, and you neglected to fix it for months before the hurricane hit, then water damage from rain entering through that window likely wouldn’t be covered. But if a projectile thrown by the winds from the hurricane broke the window, and then the rain caused water damage, that would be a different story.

While you prepare to start your new RV-based life, you’ll need to get your insurance as soon as possible. Contact an insurance company like Morgan Insurance Services in the Tampa, FL area to find out more about the coverage available for your particular RV living situation.

Cruising Tampa Safely: Motorcycle Insurance Tips for Local Riders

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Tip #1. Always Put Motorcycle Safety First!

Florida’s warm climate may encourage riders to forgo life-saving safety gear like helmets, which are only legally required for a selected group of cyclists. However, wearing the proper safety gear allows bikers to ride defensively and protect their head, neck, and body in a motorcycle collision or accident.

Tip #2. Be Prepared for Sudden Downpours and Weather Extremes

The latest fluctuating weather extremes mean local bikers should leave nothing to chance when selecting motorcycle insurance coverage. Don’t be caught in a bad storm; always look at the weather ahead of a ride.

Tip #3. Know That High Temperatures Can Wreak Havoc on Tires

Florida’s extremely hot climate can wreak havoc on motorcycle tires. High temperatures increase tire pressure, cause increased friction, and accelerate tire rubber deterioration.

Tip #4. Take Precautions When Biking in Extreme Heat!

Bikers should take precautions when riding in extremely hot weather. Scorching can lead to issues with motorcycle tires and activate health issues for riders who are sensitive to soaring temperatures.

Tip #5. Beware of Sudden Frequent Downpours

Florida residents are all too familiar with the sudden, frequent downpours that can strike at any time and immediately wreak havoc on drivers and bikers.

Tip #6. Consider Comprehensive and Collision Coverage for Motorcycles

Bikers who are serious about motorcycle safety when cruising around town should contact trusted local insurance experts like Morgan Insurance Services. Knowledgeable local insurance providers can provide advice and help bikers choose the best motorcycle policy that meets their riding habits, financial needs, and budget.

Contact our offices in Tampa, FL today for a consultation or quote!

What situations will be covered by an umbrella insurance plan that may not be covered by other policies?

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Umbrella Insurance: Extending Your Liability Coverage

Liability risk always needs to be properly considered and planned for. Many people in the Tampa, FL, area will have some liability coverage through home or auto plans, but there are situations when this is not enough, and having additional coverage is advantageous. One way to ensure you are covered is by getting umbrella insurance, as an umbrella insurance plan offers support in different situations when you are not otherwise covered.

Addressing Significant Claims for Losses

A scenario in which having an umbrella insurance plan will be helpful is when there is a significant claim. If you cause an accident resulting in serious damage, you must pay restitution. If you have coverage through home or auto insurance, your policy limit may not be high enough to cover all the damage. In these situations, an umbrella insurance plan will provide additional support on top of your base plan.

Expanding Coverage Scenarios

An umbrella insurance plan is also a good option, providing coverage for more scenarios. Many situations, including being named liable for slander or libel, are likely not covered by existing plans. You will receive more blanket protection when you get an umbrella insurance plan. This can offer great peace of mind and assurance that you are covered in such situations.

Choosing the Right Umbrella Insurance Plan

When you are in the Tampa, FL area, getting a proper umbrella insurance plan to manage your personal liability risks will always be a good idea. To ensure you select the right policy for your situation, call us at Morgan Insurance Services. At Morgan Insurance Services, you will get the guidance necessary to build a plan that will meet your needs.

Flood Insurance Because Floods are More than Dangerous – They are Expensive Too

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Protect Your Florida Home with Adequate Flood Insurance

Living in the vibrant state of Florida comes with the privilege of a warm climate, scenic sandy beaches, sunny skies, and awe-inspiring landscapes. However, the persistent threat of flooding is a less welcome aspect. Luckily, even when flood prevention falls short, dependable flood insurance can be your saving grace. That’s why many residents from the Tampa, FL area rely on the proficient team at Morgan Insurance Services for their flood insurance needs.

Mitigating the Dangers and Costs of Floods

The dangers of flooding are widely reported, and safety measures and driving tips are commonly advised during a flood. Staying safe during any flood should always be the first priority. But the aftermath of a flood brings the challenge of timely, labor-intensive, and costly restoration work. Fortunately, those equipped with flood insurance can rely on their policy to manage the cleanup and restoration necessary after flood damage. Speaking with an insurance agent for the coverage you need before the waters rise is crucial.

Dependable Flood Insurance Solutions in Tampa, FL

If you’re located in the Tampa, FL, area and have questions about or need a flood insurance policy, we can help. Don’t let flood damages overwhelm your finances; choose the protection you need with the appropriate flood insurance solutions. Contact Morgan Insurance Services today for more information and to schedule an appointment to review your flood insurance protection needs.

How Term and Whole Life Insurance Are Different

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Whole life and term life are the two main types of life insurance. They have a lot of similarities, but they also have a lot of differences. It’s a good idea to know how they’re different before you decide which type of life insurance policy you want. When it’s time to get your term or whole life policy, call us at Morgan Insurance Services in Tampa, FL.

Cash Value

One difference between term life and whole life insurance is that one builds a cash value while the other doesn’t. Term life insurance does not build any cash value that the policyholder can use later. But with whole life insurance, there is this value that grows over time. As the cash value gets higher, it becomes enough to help with financial emergencies when they happen. The policyholder can borrow against the cash value when needed to get quick financial help. 

Terms and No Terms

One of these types of insurance has an expiration date, and one doesn’t. This name knows whole life insurance because it stays in defect for the policyholder’s whole life. It never expires. However, term life policies are only good for a single term of time. This may be a few years, 10 years, or 20 years. During that term, the policy is in effect. Once it’s over, the policy expires. To have coverage again, the policyholder will have to apply for a new life insurance policy. Many people don’t like that these policies expire, but they make up for it by being far less expensive. 

Get Life Insurance in Tampa, FL

No matter which type of life insurance you’re interested in, we’re here to help. Call Morgan Insurance Services in Tampa, FL. 

What to Ask Your Agent During an Auto Insurance Review

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If you’re looking for an auto insurance review and you’re in the Tampa, FL area, Morgan Insurance Services is the optimal choice for your needs. We can assist you in obtaining the appropriate coverage, adjusting your existing plan, or even discovering a new policy that provides a more comprehensive level of protection. This can boost your security and enhance your peace of mind. There’s no justification for settling for less when we can offer you more. Here’s what to ask your agent.

Firstly, ensure you ask your agent for quotes from various insurers. We’re pleased to provide you with those and guide you through the comparison process. Subsequently, you can decide which one is suitable for you, equipped with the necessary knowledge to make the right decision for your vehicle’s coverage. Whether you have a lender for your vehicle can influence the insurance you’re mandated to carry, so it’s crucial to ensure you’re adequately protecting yourself.

Moreover, inquire with your agent about updates, reviews, and renewals to make sure that you’re aware of when to initiate any changes in your policy. You don’t want to end up with insufficient coverage or a policy that doesn’t accurately suit your needs. Instead, you should consult with your agent at least annually or at your policy renewal. It’s crucial to contact them anytime you change vehicles, too, so you can have the coverage your new ride necessitates.

Contact us at Morgan Insurance Services today if you’re in the Tampa, FL, area and need an auto insurance review or a new policy for your vehicle. We’re here to help you obtain the coverage and protection you’re searching for so you can have security and confidence on the road.

Does My Home Insurance Cover My Jewelry Collection?

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If you have a homeowners insurance policy, you know it will pay to repair or replace your personal belongings if a covered event occurs. However, there are sometimes limits on expensive items, like jewelry. Knowing the rules about how your homeowner’s insurance covers jewelry and how you can ensure that your jewelry is fully covered is important.

The professionals at Morgan Insurance Services servicing Tampa, FL can help. We work with our clients to help them understand their insurance services. Here’s what you need to know. 

Does My Home Insurance Cover My Jewelry?

A standard homeowners insurance policy covers jewelry. However, there are often limits on how much a homeowners insurance policy will pay for individual items. Expensive items are vulnerable to theft; thus, your policy may limit how much money you can collect if your expensive jewelry is stolen.  

How Can I Ensure My Jewelry Is Covered?

There are ways to insure your jewelry to ensure coverage separately. You can use a floater policy to schedule your jewelry individually. These policies often provide coverage that homeowners insurance doesn’t provide. For example, a floater policy may cover a loss that occurs when you leave your jewelry in a public place or if you drop your jewelry into a sewer. 

Work with your homeowner’s insurance agent to implement a floater policy. Your agent can help you get adequate coverage for your jewelry and explain how the policy works. 

To learn more, call Morgan Insurance Services, servicing Tampa, FL, to get started with your floater policy. We’re happy to answer your questions. 

Thinking About Getting a Dog? What to Know About Pet Insurance

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When you’re buying a dog, one of the things that you have to consider is how you’ll pay for their medical care. Pets need medical care just like people, and medical care can become very expensive when you don’t have pet insurance.

At Morgan Insurance Services, servicing Tampa, FL, we help homeowners find pet insurance to take care of their beloved animals. Our pet insurance policies can make medical care for your pet more affordable. 

Pet Insurance Pays for Various Types of Pet Medical Care

Pet insurance is very similar to health insurance for people. Depending on the policy parameters, pet insurance pays for various types of pet medical care. 

Some Policies Cover Accidents Only, Others Cover Illness

One of the most common types of pet insurance policies is one that covers accidental injuries only. For example, if your dog is scratched by a fence and needs stitches, the pet insurance policy may cover the medical bills related to the scratches. 

Some types of pet insurance cover accidents and illnesses. These policies are more expensive, but they can help cover illnesses that come up while your pet is insured. 

You Can Add On Wellness Care

Preventative care and wellness checks are not usually covered by pet insurance policies, but they can be covered through a policy add-on. Talk to your insurance agent if you would like to have this added to your policy. 

Shop Around

Want a pet insurance policy for your new dog? Shop around. At Morgan Insurance Services, servicing Tampa, FL, we help pet owners find the best pet insurance policies at reasonable rates. Call today. 

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Holiday, FL 34691
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9209 E Adamo Dr
Tampa, FL 33619
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Tampa, FL 33612

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