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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. 

Why Every Renter Needs Renter’s Insurance

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If you rent your home, you don’t owe the home, so you may think that renter’s insurance is unnecessary. However, renter’s insurance isn’t about the house itself- it’s about you and your protection. One reason that renters need to have this insurance is that it’s generally required by the landlord or management company. They want you to have protection so that they won’t get sued if a problem affects you. Other reasons that renters need this insurance are the many types of protection these policies give you. To start with your policy, call us at Morgan Insurance Services in Tampa, FL. 

Protection for Your Belongings

Most of what you own is likely in your rental, and these items need financial protection. If a damaging event happened to your home and your items were destroyed, you would have coverage in your renter’s policy to allow you to replace those belongings. It’s so important to have this coverage because of the high cost of replacing items. Every renter should have this essential protection. 

Protection for Your Liability

Another important type of protection you need is liability. This protects you in case someone gets injured in your home. If someone were to fall or have any other accident, you would be liable for its costs. This can include high medical bills, even when the injury isn’t serious. When you have renter’s insurance, it comes with liability coverage to keep you safer from any accidents that could happen to your guests. 

Get Renter’s Insurance Now

If you don’t have renter’s insurance, you don’t have the coverage you need for financial protection. Don’t go even a day without having this essential insurance policy. Call Morgan Insurance Services in Tampa, FL, to get started.

Does Car Insurance Cover Travel Trailers?

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If you’re pulling a travel trailer behind your car, SUV, or pickup truck, you might not be sure what kind of insurance you need. You don’t own a recreational vehicle, but driving an average car is not the same. So, will your standard auto insurance cover the trailer? The answer is a bit more complicated than "yes" or "no."

Basic Coverage

Car insurance typically only provides liability coverage for travel trailers being pulled behind vehicles. This satisfies the legal insurance requirement and covers damage caused by your trailer in an accident. However, it won’t cover repairs to your travel trailer. Before embarking on your next vacation, it’s wise to contact your insurance agent to verify that your auto policy definitely supplies this kind of liability coverage. This insurance may be adequate if you have an older trailer with relatively little value.

RV Insurance

Although a travel trailer isn’t technically a recreational vehicle, you should consider obtaining this type of coverage. A separate RV policy is needed to cover damage caused to your trailer in a collision, and it may even be required. If you used financing to purchase your travel trailer, the lender might expect you to have RV coverage. Some basic RV policies don’t cover personal belongings inside the trailer, but you may add this coverage if desired.

Travel trailer owners in the Tampa, FL, area can rely on Morgan Insurance Services to provide the right coverage for their trailers and vehicles. Our experienced local staff will help you find an option that genuinely meets your specific needs, and it’s easy to contact us if you need information or assistance after getting insured. To reach the Morgan Insurance Services office near Tampa, FL, please call 813-345-2777 today.

Motorcycle Stats Everyone Should Know

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Motorcycle Statistics and the Importance of Insurance Coverage

If you’re considering purchasing a motorcycle, already own one, or are simply interested in it, you may find the following stats and facts worth noting. One critical prerequisite before hitting the road on a motorcycle is ensuring that you are adequately covered by the right insurance policy. Motorcycles, though popular and fun, can also be involved in accidents. If you require aid in selecting the right motorcycle insurance, contact Morgan Insurance Services, serving Tampa, FL.

Key Motorcycle Statistics

Motorcycles have a surprisingly long history. Invented in Germany in 1885 by Gottlieb Daimler and Wilhelm Maybach, they precede cars, which were invented a year later. Today, motorcycles are immensely popular in the United States. As of January 2023, there were approximately 8.8 million registered motorcycles in the US, according to Statista. This figure represents a growth of about 1 percent from the previous year. Note that the average motorcycle gets more than 50 miles per gallon, which is significantly better than the average car.

Despite this popularity, motorcycle accidents remain a tragic reality. In recent years, accidents involving motorcycles causing injuries averaged around 80,000 per year. Although there has been a slight decline in injuries, road safety remains of utmost importance. The National Safety Council reports that while motorcycles constitute only 3% of registered vehicles on the roads, they account for 14% of traffic fatalities.

Given these facts, having the right motorcycle insurance is vital for riders. The right policy can potentially cover various areas such as property damage, medical bills, and civil suits, amongst others. It is crucial that each specific policy is reviewed thoroughly to understand what is covered and what is not. For assistance with motorcycle insurance, feel free to get in touch with Morgan Insurance Services, serving Tampa, FL.

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