For more than 20 years, ACI has been looking out for families and their properties, protecting them from losses and providing options and products not offered by other agencies. Representing only the best and most reputable carriers ACI can offer the best coverage at the lowest price.
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While your landlord likely may have insurance coverage for the building itself, you may need a renters insurance policy to protect your personal possessions. Your renters insurance policy can also help protect you from liability if, for example, a visitor accidentally trips over your rug and breaks a leg. Get a quote today and get coverage that can help you rent with peace of mind.
Liability coverage includes both bodily injury and property damage liability coverage and is required in most states. Basically, if you cause an accident, hurt someone or damage someone's property, it can pay for covered damages and to defend you if a lawsuit results.
Personal injury protection (PIP), also called no-fault insurance, is available in certain states. It pays medical expenses, and in some cases lost wages and other damages regardless of who is at fault in an accident.
Collision coverage helps pay for damage to your vehicle if your car hits another car or object, gets hit by another car or if your vehicle rolls over. This coverage is generally required if your car is financed or leased.
Comprehensive coverage helps pay for damage to your vehicle that is not caused by a collision. For example, theft, vandalism, hitting a deer or other animal, storms and certain natural disasters.
Uninsured/underinsured motorist coverage can help pay for damages and medical costs resulting from an accident caused by someone who has no insurance or inadequate insurance coverage.
Medical payments coverage helps pay for covered medical expenses for anyone injured while in your vehicle, regardless of who is at fault.
Additional Coverage Available:
Gap insurance – or loan/lease insurance – can help protect you if your vehicle is financed or leased. If your vehicle is totaled, this coverage may pay the difference between the actual cash value of the vehicle and the unpaid balance of the loan or lease.
Rental reimbursement, or extended transportation expenses coverage, can pay for a rental car if your car is damaged in a covered accident and your car is out of commission for more than 24 hours.
Roadside Assistance will provide towing service, as well as roadside services such as a jump start, fuel delivery, flat tire change and lockout assistance.
Progressive American Insurance Co.
Travelers Group of Companies
National General Insurance
At ACI we shop for the best policy at the lowest premium! For more than 20 years we have been protecting individuals and their homes offering professional service and a wide range of companies and policies to fit your needs.
What can we do for you?
Properties we write:
Seasonal and Vacation Properties
High Value Homes
Some of the available discounts:
Centrally monitored alarm systems
Centrally monitored fire alarms
Impact-resistant windows and doors
Compliance with 2001 (or later) Florida Building Code
For bodily injury or damage to the property of others.
Physical Damage Coverage
Provides protection in the event of a collision such as with a submerged object or another boat.
Personal Property Coverage
Protects personal property on the boat including, but not limited to, your clothing, stereo system, cameras and other personal items.
More Inclusive Basic Coverage
Protection for which other carriers may demand additional premiums such as mechanical breakdown, uninsured boater, personal property, medical payments, commercial towing, fuel spills and dinghy.
Towing and Assistance Reimbursement
o transport your boat to a repair facility when it's inoperable and you're stranded. Gas delivery for boats and roadside assistance are also available.
You choose between agreed value or actual cash value coverage. Agreed value provides "replacement value" on covered partial losses involving your vessel, its furniture, fixtures and electronic equipment. Actual cash value earns you a premium discount. In the event of a loss, settlement is based upon a depreciated value.
Liability Coverage protected you In the event that a claim is made against you or you are sued, your renters personal liability coverage can help to cover the associated legal costs and related damages. Most renters policies provide $100,000 (minimum) of financial protection for covered accidental bodily injury or property damage to others. Higher amounts of coverage are available.
Personal Property can provide protection for your furniture and personal possessions — at home or away from home — against losses such as fire, lightning, windstorms, hail, explosions, smoke and vandalism. A renters policy can also protect your property against many types of theft loss in your apartment or anywhere in the world.
Medical Payments coverage generally can pay up to $1,000 per person — regardless of your legal responsibility — when a covered accident on your property involves bodily injury to others. It also can provide coverage in other situations as well. Higher amounts of coverage are available.
Additional Living Expenses pays If you are forced out of your apartment by a covered loss, loss of use coverage can provide up to a percentage of the personal property coverage (also referred to as Coverage C) for necessary additional living expenses (such as hotel, meals, laundry, etc.) while your damaged apartment is being repaired. This is subject to coverage terms and limits. Higher amounts of coverage are available.
Additional Coverage to Consider:
Personal property replacement cost loss settlement provides for settlement of covered personal property losses based on replacement cost at the time of loss, with no deduction for depreciation. The coverage is subject to applicable policy limits and deductibles and special limits apply to certain items such as jewelry, watches and furs.
Valuable items plus coverage provides protection for special property such as jewelry, fine art, musical instruments and home computers for an extended variety of losses and can provide higher limits of coverage. For your convenience, no appraisal or listing of insured items is required.
Multi Policy Discount
Protective Devices Discount
All City Insurance, Inc.
1400 NW 107th Avenue, Suite 210 - Doral, FL 33172
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