Personal Insurance

The professionals at Avante Insurance partner with you to provide a wide range of insurance coverage options to protect your family and personal possessions. Our coverage programs include Auto Insurance, Home Insurance, Flood Insurance, Umbrella Insurance, Life Insurance and Boat Insurance.

Auto Insurance

Avante is your Miami Auto Insurance Resource

Finding a reliable and trustworthy partner for your Miami Auto Insurance needs can be a challenge. With Avante always standing by, you know you have the right coverage and if you have a problem, we will work with you to get it solved. Avante provides the following types of Auto Insurance protections in the event of a loss.

Liability Insurance – pays for injuries and property damages to the other party involved in an accident if you are found liable.

Collision Coverage – pays for damage to your car regardless of who is at fault. The insurance company must pay for the repair or up to the actual cash value of your vehicle, minus your deductible.

Comprehensive (other than collision) – pays for damage to the policyholder’s car caused by anything other than a collision with another vehicle such as damage from fire, floods and theft.

Personal Injury Protection (PIP) & Medical Payments – both pay limited medical and funeral expenses if you, a family member, or a passenger in your car is injured or killed in a motor vehicle accident. PIP also pays lost-income benefits.

Towing and Labor Coverage – pays for towing charges when your car is not drivable, it also pays labor fees for such instances like changing a flat tire at the location of the break-down.

Rental Reimbursement Coverage – pays a set amount for a rental car while your car is being repaired due to damage covered by your auto policy.

Uninsured/Underinsured Motorist (UM/UIM) Coverage – pays for your injuries caused by a hit-and-run driver or a motorist without insurance. It will also pay when your medical bills are higher than the other driver’s liability coverage.

Custom Parts – When you purchase Comprehensive or Collision coverage, at least $1,000 of Custom Parts and Equipment (CPE)/Accessory coverage is included. You can purchase up to $4,000 in additional CPE coverage to cover up to $5,000 custom parts and equipment. Certain limitations apply to this coverage.

Antique Auto – A motor vehicle 25 or more years old used on a very limited basis, such as exhibitions, club activities, and parades or similar events. You need to have restored, maintained, or preserved your antique or classic car.

Home Insurance

Most Homeowners insurance policies combine five main coverages into a single policy.

Dwelling – pays for damage or destruction to your home and any unattached structures and buildings such as fences, detached garages and storage sheds.

Personal Property – pays for theft, damage or destruction of the contents of your house. This includes furniture, clothing, and appliances.

Liability – protects you against financial loss resulting from being sued and found legally responsible for someone else’s injury or property damage.

Medical Payments – pays medical bills for people hurt on your property. It also pays for some injuries that happen away from your home, such as your dog biting someone.

Loss of Use – pays additional living expenses if your home is too damaged to live in during repairs. Most policies pay 10 to 20 percent of the amount of your dwelling coverage.

You can also add supplemental coverages to your homeowners policy such as –

  • Valuable Articles/Floater policies (i.e. Jewelry Insurance)
  • Flood
  • Earthquake
  • Umbrella (additional liability)
  • Animal Liability
  • Sinkhole
  • Ordinance or Law

Renter’s Insurance Miami

A renter’s insurance policy for your Miami property not only protects personal property like your TV, furniture and clothing from losses, but also can include liability coverage which will protect you if someone is accidentally injured, for example slipping on a wet floor in the kitchen. Whether you’re renting an apartment, condo, or a home in Miami, it is most likely that your landlord’s insurance policy is not going to protect you from the loss of the plasma TV’s, furniture or personal items in the event of theft, fire, hurricane or water damage.

Life Insurance

A life insurance policy pays a stated amount to the beneficiaries of the policy in the event the named insured dies. There are two types of life insurance policies: “term insurance” and “permanent insurance” also known as “whole life insurance”.

Term Life Insurance
The death benefit and premium remain the same throughout the term of the policy. The option for renewing Term Insurance is usually in 20 or 30 year increments.

Permanent or Whole Life Insurance
There is no policy term. As long as the required premiums are paid, the policy will pay in the event the insured dies. There is also a forced savings since a portion of the premium is put into a tax deferred savings account that builds a cash value which the policy owner can borrow funds against. Any amount borrowed and not repaid at the time of the insured’s death reduces the death benefit; also, if you decide to terminate the policy, you will get back the “cash surrender value.”

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