We offer a wide variety of products and services to meet the personal insurance needs of individuals and families. We employ a total risk management process for all of our clients, which means we will analyze your potential exposures and come up with ways to reduce risk and lower your premiums. We provide you with a professional approach to personal asset protection by delivering a broad range of insurance products tailored specifically to your needs. When you work with us, you will receive:

• A complimentary evaluation to determine the extent of your asset base (home, cars, etc.), the potential liabilities you may be at risk for, and how your existing insurance policies meet your needs.
• The ability to consolidate all your personal insurance under a centralized, cost-efficient personal insurance program.
• The security of our ongoing review process, which ensures that all your assets and policies will be reviewed on a scheduled basis, and your coverage will be evaluated and adjusted in order to meet your changing needs.

Below are some of the personal insurance products that we handle:

Homeowners Insurance Doesn't cover floods

Most homeowners policies do not cover the damage caused by floodwater. Plus federal disaster assistance, when available, is usually a loan tha you must repay with interest. And just as important as the financial aspects, are the emotional ones. Your house is the place you and your family call home. It's too important to leave unprotected.

Only flood insurance cover floods

Protect your home today. To purchase flood insurance or to learn more about flood risk and flood insurance, call us now.
Your home kepps you covered, but are you doing all you can to protect the home you love?
Just a few inches of floodwater can devastate a home - and a savings account. And living in, or near, a high risk area means the risk is even higher.

You maybe at high risk for flooding

Even if you leave on the edge of a high-risk area, there’s at least a 1-in-4 chance of flooding during the course of a 30-year mortgage. That’s why federal law requires people who own homes, with a mortgage through a federally regulated and insured lender, to carry flood insurance.

Floods cause tens of thousands of dollars in damage

Just a few inches of water can cause tens of thousands of dollars in damage. In fact, over the past five years, the average paid flood insurance claim was nearly $34,000.* With damage like this, flood repairs can cost more than most household budgets can handle. Because without insurance, recovery costs must come out of your own pocket.

Coastal Insurance Services

There is a unique complexity associated with insuring waterfront and coastal areas. Serving the coastal areas in Florida, we understand these complexities and can develop ways to place coverage for coastal residents in a cost effective manner. While coastal homes have become harder to insure over the years, we have remained committed to serving this segment of the market. And while other insurance agents and insurance companies are no longer offering coverage in coastal areas, we have the knowledge, experience and relationships to get the coverage these homeowners need. Whether it's for a primary home or a vacation home, we work to ensure residents in these areas are insured properly and cost-effectively.

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18495 South Dixie Hwy # 260 Miami, FL 33157		Phone:  Fax:	(786) 573-2221 (786) 573-2224
info@theworldofinsurance.com