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Motorcycle safety basics

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Morgan Insurance Services is here to provide insurance help for motorcycle enthusiasts in the greater Tampa, FL area. It’s important to keep yourself, your bike, and your passengers safe, and we can help!

Follow these safety basics and enjoy your ride

Owning a motorcycle, especially in sunny Florida, is a great way to get outside and enjoy our area’s amazing weather. These safety basics can help you enjoy the open road while keeping yourself and your passengers safe.

  • Be aware of the weather and any upcoming changes. Thunderstorms can roll in quickly, so it’s best to be prepared. Take the time to check the forecast before setting out for the day. Be prepared with foul weather gear, or just stay off the roads until they are dry.
  • Keep your bike well maintained. It’s important to avoid breakdowns and spin-outs. By keeping your bike in shape, you can make sure that it’s running as well as you need it to.
  • Have the right insurance in place to cover any expenses related to accidents, theft, or other mishaps.
  • Keep yourself aware. Don’t ride if you are under the influence. And avoid difficult roads if you aren’t feeling 100%.
  • Give your passengers the information they need to stay safe and act as responsible riders.

When you own a bike you know how important safety is. Follow these basic tips and stay safe out there on the road. 

Find out more about motorcycle insurance today!

If you are a motorcycle owner in the metro Tampa, FL area, you can count on Morgan Insurance Services for all of your insurance needs. Call today and learn more about the motorcycle insurance policy options available in our area.

Why Florida Residents May Want to Consider Umbrella Insurance

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Residents of the Tampa, FL area may not know about the steep benefits umbrella insurance can offer. Some think that umbrella insurance is only for the richest people in the world, but that couldn’t be farther from the truth. 

Umbrella insurance exists to fill in the gaps when your standard policies run out. Morgan Insurance Services is happy to help educate our customers on the various ways that umbrella insurance is a beneficial addition to their insurance policy. 

Whether you own multiple homes, recreational vehicles, investment properties, or vintage cars (among many other things), umbrella insurance can step up to the plate when the coverage on your investments runs out. 

Additionally, umbrella insurance can be used to cover personal liability instances, including slander, libel, and false arrest. Many people don’t realize that umbrella insurance goes far beyond the standard of what insurance is known for. This is another reason why umbrella insurance is suited for everyday people, not just the 1%. 

Umbrella insurance also fills in for bodily injury liability, property damage liability, and protects owners of rental units. It’s a very versatile type of insurance that is worth looking into if you have many assets and investments out in the world and want them to be fully covered.  

Morgan Insurance Services is proud to serve the Tampa, FL area. If your insurance policy needs some adjusting, feel free to contact us anytime. Our team of agents is experienced in many types of insurance and we are happy to help you determine what coverage is most necessary for your peace of mind and for your financial protection. 

Contact us today! 

Why is RV insurance going to be required for me?

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Those that are in the Tampa, FL area will quickly find that it can be a great place to live. When you are a resident in this part of the state, there are a lot of great activities and parks that are located nearby. To ensure that you can explore the whole state, investing in your own RV can be a great idea. With your RV purchase, you also need to choose a proper insurance plan. RV coverage will be required for a few reasons.

Coverage Complies with State Law

A reason that you will need to have this insurance is so you can comply with the state law. If you are going to operate any type of vehicle here, you will need to stay in compliance with the state’s liability insurance requirements. This requirement extends to RV owners, who will be appropriately covered by an RV insurance plan. 

Coverage Protects Your Asset

You should also get an RV plan to protect your asset. If you are going to buy an RV, you will want to be able to use it for a long time. A way to ensure this happens is getting RV coverage, which offers you support to repair or replace the RV in the future if you incur certain types of loss. 

Having RV insurance is going to be a necessity for practically anyone in the Tampa, FL area. If you are looking for a new insurance plan in this area, it would be a good idea to start your search by working with Morgan Insurance Services. The team with Morgan Insurance Services can give you the guidance that is necessary to evaluate all of your needs and options. With this support, you can be assured that you are able to choose a plan that is ideal for your situation. 

Your Motorcycle Insurance Options

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Motorcycles can be a great mode of transport or simply to cruise around the state. Florida is one of the states with the highest number of motorcycles currently riding the roads. Motorcycle insurance in Florida is not a legal requirement. While this may seem like good news for the wallet, in the case of an accident or theft, insurance always has your back. We explain your options for motorcycle insurance below. 

Give Morgan Insurance Services in Tampa, FL a call to receive motorcycle insurance quotes. Our agents can give you different quote options to choose from so that you buy the insurance fight for you. 

When motorcycle insurance becomes a must

While motorcycle insurance is not a legal obligation in Florida, in some cases you can’t get around it. When you buy a motorcycle, you still need to go show that financially you could cover the costs of an accident should you have one. If you can’t, you need to get the insurance that covers you for accidents. 

The same rule counts if you don’t wear a helmet while riding your motorcycle. You either wear a helmet or you get insurance when riding helmetless.   

As you can read, motorcycle insurance is very flexible and you can weigh up the pros and cons of getting it if you don’t financially need to. However, the cost of an accident or replacing your motorcycle in case of theft is almost always a more expensive investment than insurance is. 

If you are ready to discuss motorcycle options with us, call Morgan Insurance Services in Tampa, FL and we will gladly help you look through your motorcycle insurance options.

4 Benefits of Umbrella Insurance

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Most people have the perception that umbrella insurance is supposed to cover the wealthy only, but this is not factual. Umbrella insurance offers extra liability protection to protect anyone with a source of income.  If you buy umbrella insurance from Morgan Insurance Services in Tampa, FL, you will accrue the below benefits.

It protects your assets and future income

Given that lawsuits can be expensive, umbrella insurance comes in handy by protecting your assets when you are faced with significant financial claims. For instance, if you cause an accident that exceeds your car insurance limit, umbrella insurance takes over from where your car insurance leaves off, saving your assets and income.

Since anyone can be sued, umbrella insurance is suitable for anyone earning a source of livelihood. This coverage protects your assets in the worst-case scenario.

It saves you anywhere in the world

Your boat, home, and car liability coverages aren’t recognized outside the US. However, umbrella insurance can protect you when you are outside the country.

It protects you from liabilities not covered by other liability coverages

Umbrella insurance not only gives you higher limits but also provides broader coverage. Umbrella insurance shields you from personal liabilities like libel and slander that aren’t covered by other conventional liability coverages.

It’s affordable

There is a popular myth that umbrella insurance is out of reach for most folks. This preconceived notion is a lie. It will surprise you that $1million umbrella coverage will only cost you very little compared to the protection it gives you.

Umbrella insurance near me

Would you like peace of mind with umbrella insurance? Would you like to protect your assets and future? Umbrella insurance is your safest bet when it comes to lawsuits. If you are in Tampa, FL and its environs, please contact Morgan Insurance Services for an affordable quote.

Top Reasons For Buying Flood Insurance

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Do you think that you do not need flood insurance? You may not live close to water or have a great home insurance policy. However, the truth is that every property is at risk of flooding, even if it is not located in a flood-prone area. If you still think it is not necessary, here is a list of reasons why getting flood insurance is a smart decision:

Reasons To Purchase Flood Insurance

Every homeowner should carry this type of insurance, and here is why:

  • Floods happen everywhere. According to the statistics, almost 20% of all flood insurance claims are made by homeowners who do not live in flood-prone zones. That means that regardless of your location, there is no guarantee that your property will not be damaged by flood. 
  • Home insurance does not cover flooding. Many homeowners mistakenly believe that flood coverage is included in a standard home insurance policy. However, it is not true. Therefore, even if you have a really good home insurance policy, damages caused by flooding will not be covered by your insurance, and you will have to pay for them out of your pocket. 
  • Flood losses are high. Most people do not even know, but even a few inches of water can lead to very costly losses. For example, if your home is 2,000 square feet, two inches of water will cost you about $27,000. If you do not have flood insurance, you will have to cover this damage yourself. 

Morgan Insurance Services Serving Tampa, FL – Let Us Protect Your Home

If you live in Tampa, FL or any other surrounding area, having flood insurance is a must. Floods are very common in Florida. If you have questions about this type of insurance, or you need help in getting a policy that will fit your needs, Morgan Insurance Services is ready to assist you. Feel free to visit our website for more information or give us a call. 

The Different Types of Florida Life Insurance Explained

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When you are looking for life insurance in Florida, the terms can feel confusing and overwhelming easily. There are not that many types of life insurance, but every insurance company may call a rider or add-on something different. That’s where most life insurance consumers get confused.

At Morgan Insurance Services, we want Tampa, FL residents to feel secure and informed in their life insurance selections. Know what types are available to you before you purchase.

Term Life Insurance

Term life insurance is among the most affordable kinds of life insurance coverage. It provides a one-time death benefit plus some living expenses in the event of your death.
It is a temporary coverage for a set term, and has no cash value. It is meant to cover temporary expenses after you die.

Whole Life Insurance

Whole life insurance is a kind of life insurance that is also permanent life insurance. The policy holder will have this insurance for the duration of their life.

It is a policy that will build in cash value, and your premium costs will never change. This cash value will accrue interest every year and this is tax deferred income for the policy holder.

Universal Life Insurance

Universal life insurance is like a combination of term life insurance and permanent life insurance. It can last the life of the policy holder, but it doesn’t always. 

It will have a cash value, but it will also have annuities attached to it. The cash value of the policy can be accessed by the policy holder at any time.

Get a Quote

When you are looking for life insurance, it’s easy to get confused. At Morgan Insurance Services, we want Tampa, FL residents to feel secure in their life insurance choices. Call us for a quote today.

Required Auto Insurance in Florida

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Florida, like other states, mandates that every vehicle in Florida must be covered by an auto insurance policy that meets or exceeds the minimum required amounts set forth by the state. If you don’t have coverage on your vehicle, you need auto insurance in order to drive legally. For more information about auto insurance, call us now at Morgan Insurance Services in Tampa, FL.

Personal Injury Protection

Before you can register your vehicle in Florida, there must be two types of insurance on it. One of these is personal injury protection, as Florida is a no-fault state. This kind of coverage provides money for needed medical expenses that result from the accident. And, it doesn’t matter who caused the accident. Whether you caused it or not, your personal injury protection coverage will pay 80% of your medical bills up to their maximum payout. However, it is a low amount that is required. It’s generally recommended that you get a higher amount of coverage in case of a serious accident. 

Property Damage Liability

If you were to be in an accident that you caused, you may be liable for the repair bills to the other vehicle. Paying for this alone can be difficult, especially if the other vehicle was an expensive one. With your property damage liability, these bills get paid up until their payout maximum. As with personal injury protection, it’s a good idea to get a higher amount of property damage liability coverage than is required. 

Get Auto Insurance Now

If you don’t have at least the minimum auto insurance required by the state, you are in danger of a number of fines and fees. To get an auto policy of your own, give us a call right away at Morgan Insurance Services in Tampa, FL to find out more. 

How Summer Maintenance Impacts Home Insurance

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Morgan Insurance Services provides coverage to the Tampa, FL community, as well as the surrounding areas. We strive to help our clients find the policies they need to help minimize risks. We offer flexible policies tailored to your individual needs. We can help you protect your assets.

How Summer Maintenance Impacts Home Insurance

Your Tampa, FL home is a unique asset. Home insurance covers you in multiple ways. The structure of your home is covered if inclement weather moves through the area and causes damage. The interior of your home is also covered, including your walls and flooring. Your personal items are also covered if they are stolen or vandalized. Liability coverage protects you if a guest is injured while visiting your home.

The summer is a great time to perform maintenance on your home. You’ll get to enjoy warm weather. Summer maintenance also has an impact on your home insurance. Inspect your porch to see if there are cracks or other potential hazards. This can prevent you from being involved in a potential liability dispute if someone gets hurt.

Trim the trees and bushes around your home. If you reside in an area that is prone to inclement weather, trimming the trees and bushes could prevent the possibility of them falling into your home and damaging it. It also reduces the likelihood of the trees causing damage to your neighbor’s property, which you would be held responsible for.

If you have a swimming pool, summer is definitely the time to inspect it. Clean and balance the chemicals before using the pool. This can help prevent potential liability issues in the future.

Morgan Insurance Services Will Help You Find The Right Policy

Visit our website to learn more information about home insurance.

Important questions to ask before purchasing pet insurance.

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The agents at Morgan Insurance Services know how much residents in the Tampa, FL area love their furry friends. Pet insurance is one way to help keep pets healthy and keep pet owners from having to pay large medical bills. Knowing which policy is best for you and your pet can be confusing. Below are the important questions to ask before purchasing pet insurance. 

Can I keep my current pet care provider? 

If you love your current veterinarian practice, it is critical to find out if the plan will cover your vet. In addition to checking with the insurance carrier, you will want to check with your vet to confirm they will accept the insurance. 

What is the deductible?
Most insurance companies will offer various deductible amounts. You will want to review the different options available and decide which level of deductible makes the best sense for you. 

Are there exclusions?

All insurance policies have certain incidents that the policy will not cover and it is extremely important to know what is excluded under your policy. For example, if your pet has a preexisting condition, it will probably not be covered. There are also various add-on coverages that you can purchase. 

Is there a waiting period before coverage will start?

Many policies will have a 30 day waiting period prior to the coverage taking effect. Each carrier can vary on how long the waiting period will be. 

Does it cover routine care?

Many policies do not cover routine care. If routine care is an important feature to you, make sure you are purchasing a comprehensive plan with this coverage. 

Is there an age limit?

Many companies will not offer insurance to aging pets. It is important to purchase the coverage when the pet is younger so that you will be offered renewals as the pet ages. 

If you live in the Tampa, FL area and would like to learn more about pet insurance plans, reach out to an agent at Morgan Insurance Services today. 

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