CBS Insurance Group is an independent insurance brokerage agency that carries some of the best coverage options in the Florida.

Our Contacts

7451 Rivera Blvd, Ste 111, Miramar, FL 33023

+1 (954)-712-8861
+1 (888)-696-0988

Working Hours

9.00 - 5.00
9.00 - 5.00
9.00 - 5.00
9.00 - 5.00
9.00 - 5.00

1.How can I lower my home insurance costs?

Don’t confuse what you paid for your house with rebuilding costs. You can also save on your premiums by adding storm shutters, reinforcing your roof or buying stronger roofing materials. In addition, consider modernizing your heating, plumbing and electrical systems to reduce the risk of fire and water damage.

2.What factors affect home insurance cost?

Where you live is one of the biggest factors that determine how much you’ll pay for home insurance.A higher-priced home generally costs more to insure, largely because it’s more expensive to rebuild or repair. Your homeowner insurance premium may be higher if you have a vintage home.

3.Is there a fee for getting an insurance quote?

There is no cost to get an insurance quote.

4.Who needs professional liability insurance?

If your business offers professional services or advice to customers, you’ll need professional liability insurance. Every business owner tries to run their company perfectly, but mistakes can happen. If they do and the mistake financially harms your client, it can lead to a lawsuit. Professional liability insurance can help protect your business if someone sues you for making a mistake in your professional services. This policy is also known as E&O coverage and professional indemnity insurance.

5.Is uninsured motorist coverage important?

Uninsured Motorist Coverage will protect you in the event that you are involved in an accident with someone who does not have insurance, or does not carry enough insurance to cover your expenses. Without this coverage, you would have to pay for your own medical expenses personally, out of pocket. Uninsured Motorist Coverage can pay for the following:

  • Lost wages for unexpected time away from work
  • Pain and suffering
  • Any current and future medical expenses that arise because of the accident
  • A large portion of your medical bills
  • Loss or extremely decreased of quality of life
  • Death

With Uninsured Motorist Coverage, you have the ability to do what is called “stacking” coverage. When you stack Uninsured Motorist Coverage, you are able to combine coverage for more than one vehicle. This, in turn, protects you when you are driving any vehicle that you own, including a bicycle, or even when you are a pedestrian walking down the street. As you can see, stacking coverage can cover all your bases and leave you protected no matter your mode of transportation.

6.When can I get health insurance?

The Open Enrollment Period for Individual and Family plans starts November 1 and ends January 15. A plan's effective date may vary based on the date an application is submitted. In most cases, you would need to wait until the next Open Enrollment Period. However, even after the Open Enrollment Period has ended, there are some ways to still get health insurance now.

These are:

  • Through a Special Enrollment Period
  • Under a short-term medical plan
  • Through Medicaid or the Children’s Health Insurance Program (CHIP)

Note: You can purchase a standalone dental or vision insurance plan outside of the Open Enrollment Period. 

7.what kind of life insurance do I need?

All types of life insurance fall under two main categories:

  1. Term life insurance. These policies last for a specific number of years and are suitable for most people. If you don’t die within the time frame specified in your policy, it expires with no payout.

  2. Permanent life insurance. These policies last your entire life and usually include a cash value component, which you can withdraw or borrow against while you’re still alive.

8.How much life insurance should I buy?

  • You can use any number of planning tools to get an idea of the amount of coverage you'll need for your policy. The easiest way is to simply take your annual salary and multiply by eight.
  • Another way: Multiply your annual income by the number of years left before your retirement benefits kick in.
  • You can also add up the expenses you think your family will incur after your death, such as a mortgage, school bills, and car costs. Then take your ongoing yearly expenses and divide them by 0.07. That translates to you needing a lump sum of money earning approximately 7% each year to pay those ongoing expenses. Add to that amount the money you'll need to cover one-time expenses at death, and you'll have a rough estimate of the amount of life insurance you need.

9.What does general liability insurance cover?

General liability insurance helps protect your small business from claims that it caused bodily injuries and property damage. These risks can come up during normal business operations. They can get expensive for small businesses and many don’t have the resources to cover a liability claim.
Did you know the average cost of a slip and fall claim is $20,000? And if you’re faced with a reputation harm lawsuit, be prepared that they can cost about $50,000. Without general liability insurance coverage, your business would have to pay these costs out of pocket.

10.Can I change my medicare plan?

To switch to a new Medicare Advantage Plan, simply join the plan you choose during one of the enrollment periods. You'll be dis-enrolled automatically from your old plan when your new plan's coverage begins.

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