Description

Pandora Insurance agency excels at providing Auto, Home, Commercial, Life and Health insurance, Obamacare in Miami, Hialeah, Miami Lakes and throughout Florida. We specialize in providing insurance services for your auto, homeowners, commercial, term life and health insurance needs. Pandora Insurance is a trusted leader amongst other Miami insurance agencies, providing quality insurance protection, superior customer service and the lowest rates for insurance in Miami, Hialeah and Broward, with coverage's tailored to your specific needs. The insurance companies we represent have continually earned the highest ratings from AM Best, the leading independent insurance industry rating authority. We make sure they offer reliable insurance products, with excellent customer service and have an outstanding reputation for fast and fair claims service. AREAS OF INSURANCE SPECIALTY: • Personal Lines o Automobile o Homeowners o Motorcycle o RV’s o Boats • Commercial o Property Insurance o Commercial Automobile o General Liability o Professional Liability Insurance & Director & Officers (D/O) o Worker’s Compensation • Individual & Corporate Benefits o Life Insurance Coverage o Health Insurance Coverage

Keywords car insurance, auto insurance, home insurance, commercial auto insurance, business insurance, homeowners insurance, commercial insurance, health insurance, obamacare insurance, life insurance, truck insurance, motorcycle insurance, boat insurance, seguro de vida, liability insurance, general liability insurance, hialeah insurance, miami insurance, SR44, SR22.

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Products And Services

  • Bodily Injury Liability

    It pays the medical and other expenses of those people injured or even killed in accidents you cause

    Link: Bodily Injury Liability

  • Property Damage Liability

    It covers the damage your car causes to property. Usually, that’s the other car or cars involved in the accident, but it also covers damage you do to any object you hit. Garages, buildings, lamp posts, fences, etc

    Link: Property Damage Liability

  • Collision

    This is for damage done to your car when it collides with other vehicles or other objects

    Link: Collision

  • Comprehensive

    This covers damage to your car that results from something other than a collision with another vehicle, for example, hitting an alligator or a rock hitting the windshield of your car. It also includes coverage for theft

    Link: Comprehensive

  • Medical Payments

    It pays medical and even funeral expenses, for you as well as members of your family and passengers in your car if it is involved in a collision, regardless of who caused the accident. It also covers you as a pedestrian if you are hit by a vehicle.

    Link: Medical Payments

  • Uninsured Motorist Coverage

    It pays for injuries if you're hit by a driver who doesn't have insurance. Even in Florida where insurance is mandatory, there are lots of drivers on the road who don't have insurance

    Link: Uninsured Motorist Coverage

  • Personal Injury Protection

    It is also known as "P.I.P." or "NoFault" insurance. It is mandatory in Florida and allows for you to collect lost wages, medical & funeral benefits up to a maximum of $10,000 per family member or other passengers, regardless of fault

    Link: Personal Injury Protection

  • Additional Equipment

    Should you add additional equipment to your car (Different Car Stereo system...Big Rims or Monster tires on your truck)...Anything added to your car after it has left the factory needs to be added to the Additional equipment of your policy. If it is not added...you will NOT have coverage those items added to your vehicle

    Link: Additional Equipment

  • Rental Car Reimbursement

    It reimburses you for rental car usage when your car has been damaged in an accident

    Link: Rental Car Reimbursement

  • Towing

    It reimburses you for towing charges when your car breaks down

    Link: Towing

  • HO1 – Basic Form Homeowner Policy

    A basic policy form that provides coverage on a home against 11 listed perils; contents are generally included in this type of coverage, but must be explicitly enumerated. The perils include fire or lightning, windstorm or hail, vandalism or malicious mischief, theft, damage from vehicles and aircraft, explosion, riot or civil commotion, glass breakage, smoke, volcanic eruption, and personal liability. Exceptions include floods, earthquakes. Most states no longer offer this type of coverage.

    Link: HO1 – Basic Form Homeowner Policy

  • HO2 – Broad Form Homeowner Policy

    A more advanced form that provides coverage on a home against 17 listed perils (including all 11 on the HO1). The coverage is usually a "named perils" policy, which lists the events that would be covered.

    Link: HO2 – Broad Form Homeowner Policy

  • HO3 – Special Form Homeowner Policy

    The typical, most comprehensive form used for single-family homes. The policy provides "all risk" coverage on the home with some perils excluded, such as earthquake and flood. Contents are covered on a named peril basis. (Note: "All Risk" is poorly termed as it is essentially named exclusions (ie, if it is not specifically excluded, it is covered))

    Link: HO3 – Special Form Homeowner Policy

  • HO4 – Renter's Insurance

    The "Tenants" form is for renters. It covers personal property against the same perils as the contents portion of the HO2 or HO3. An HO4 generally also includes liability coverage for personal injury or property damage inflicted on others.

    Link: HO4 – Renter's Insurance

  • HO5 - Premier Homeowner Policy

    Covers the same as HO3 plus more. On this policy the contents are covered on an open peril basis, therefore as long as the cause of loss is not specifically excluded in the policy it will be covered for that cause of loss. (can also be achieved by endorsing an HO5 to the HO3)

    Link: HO5 - Premier Homeowner Policy

  • HO6 – Condominium Policy

    The form for condominium owners.

    Link: HO6 – Condominium Policy

  • HO8 – Older Houses

    The "Modified Coverage" form is for the owner-occupied older home whose replacement cost far exceeds the property's market value.

    Link: HO8 – Older Houses

  • Coverage A – Dwelling

    Covers the value of the dwelling itself (not including the land). Typically, a coinsurance clause states that as long as the dwelling is insured to 80% of actual value, losses will be adjusted at replacement cost, up to the policy limits. This is in place to give a buffer against inflation. HO-4 (renter's insurance) typically has no Coverage A, although it has additional coverages for improvements.

    Link: Coverage A – Dwelling

  • Coverage B – Other Structures

    Covers other structure around the property that are not used for business, except as a private garage. Typically limited at 10% to 20% of the Coverage A, with additional amounts available by endorsement.

    Link: Coverage B – Other Structures

  • Coverage C – Personal Property

    Covers personal property, with limits for the theft and loss of particular classes of items (e.g., $200 for money, banknotes, bullion, coins, medals, etc.). Typically 50 to 70% of coverage A is required for contents, which means that consumers may pay for much more insurance than necessary. This has led to some calls for more choice.

    Link: Coverage C – Personal Property

  • Coverage D – Loss of Use/Additional Living Expenses

    Covers expenses associated with additional living expenses (i.e. rental expenses) and fair rental value, if part of the residence was rented, however only the rental income for the actual rent of the space not services provided such as utilities.

    Link: Coverage D – Loss of Use/Additional Living Expenses

  • Additional Coverages

    Covers a variety of expenses such as debris removal, reasonable repairs, damage to trees and shrubs for certain named perils (excluding the most common causes of damage, wind and ice), fire department changes, removal of property, credit card / identity theft charges, loss assessment, collapse, landlord's furnishing, and some building additions. These vary depending upon the form.

    Link: Additional Coverages

  • Exclusions

    In an open perils policy, specific exclusions will be stated in this section. These generally include earth movement, water damage, power failure, neglect, war, nuclear hazard, septic tank back-up expenses, intentional loss, and concurrent causation (for HO-3). The concurrent causation exclusion excludes losses where both a covered and an excluded loss occur. In addition, the exclusion for building ordinance can mean that increased expenses due to local ordinances may not be covered.

    Link: Exclusions

  • Section I — Liability Coverages

    Coverage E – Personal Liability covers damages which the insured is legally liable for and provides a legal defense at the insurer's own expense. About a third of the losses for this coverage are from dog bites.

    Link: Section I — Liability Coverages

  • Commercial Property Insurance

    If you run a business that requires the use of a commercial building, you will need property insurance. It is no surprise that the sunshine state brings about many unforeseen disasters. From tornadoes to tropical storms, Florida’s extreme conditions regularly bring harm to residents and businesses. Don’t wait until it’s too late! Make sure you are protected now to make sure you are not wishing you could turn back time later. A typical property insurance will finance any damages to your property. Even if your business involves more than one building,

    Link: Commercial Property Insurance

  • Commercial General Liability Insurance

    General Liability is the most prominent type of Business Insurance Florida. This policy protects you against legal provocations from lawsuits and legal claims. These claims may arise from instances such as an employee or customer being injured while at the work site, accidents due to work circumstances, and other tort cases involving a claim of negligence on your part. With this policy, you will be defended against legal and operational fees in case of claims against your company for injuries, property damage, and even libel, slander, or false advertisement.

    Link: Commercial General Liability Insurance

  • Product Liability Insurance

    Depending on the market your business incorporates, you may be in need of Product Liability Insurance. Business Insurance Florida will be your guide to forecasting the business insurance demands of your organization. If your business entails selling tangible goods, this insurance policy is highly suggested. It is especially helpful for companies such as retail stores, grocery distributors, and wholesalers, not to mention medicine manufacturers. Most often this type of policy is bundled with a general business insurance policy. There is a high risk that legal issues will arise in event of any type of injury due to the use of a product. Product liability insurance keeps your assets safe in case of a defect in the design or manufacturing of your product. It also covers something called “marketing defects,” which occurs when a company fails to warn their customers about some danger of using the product. This can lead to a claim of negligence. Business Umbrella Insurance - Even if you carry General Liability Insurance for your business, you might face a repair, settlement, or judgment in excess of your coverage limit. Without Business Umbrella Insurance (also sometimes called Umbrella Liability Insurance or Excess Liability Insurance), you would have to pay the uncovered expenses out-of-pocket. For a single premium, a Business Umbrella policy adds another layer of protection to any of several other policies that you might carry, including General Liability, Employer's Liability, and Hired and Non-owned Auto Liability policies.

    Link: Product Liability Insurance

  • Professional Liability Insurance

    This type of coverage, sometimes referred to as “malpractice insurance” or “errors and omissions insurance,” is meant for businesses that offer professional or personal services. It is usually required for certain professional fields such as medicine or legal services. This policy is unique from product liability and general liability business insurance. It caters to claims and damages that occur due to failure to provide your service or incorrectly carry out a service. These acts may lead to personal injury, physical or emotional, as well as copyright infringement.

    Link: Professional Liability Insurance

  • Commercial Auto Insurance

    Similar to commercial property insurance, commercial auto insurance covers losses in case of accidental damages to your work-related vehicle. Not only does it entail the cost of vehicles damaged, it includes personal injury or property damage costs. Don’t allow your business to suffer from unexpected circumstances such as these.

    Link: Commercial Auto Insurance

  • Home-Based Business Insurance

    Contrary to popular belief, homeowners' insurance policies do not generally cover home-based business losses. Depending on risks to your business, you may add riders to your homeowners' policy to cover normal business risks such as property damage. However, homeowners' policies only go so far in covering home-based businesses and you may need to purchase additional policies to cover other risks, such as general and professional liability.

    Link: Home-Based Business Insurance

  • Workers Compensation Insurance

    Florida’s Worker’s Compensation Law entails that employers offer coverage for workers’ compensation. This type of business insurance is particularly demanded by those in the construction industry. Even if you only have one employee, you must carry this type of coverage. If you are involved in a field of work other than construction but sustain four or more employees, you are also forced to obtain this policy. It comes into play if and when an employee suffers a work-related injury or illness. Rates for these policies are calculated based on an average rate of injury for your business type. It also takes into account the amount of hours your workers spend at the labor site.

    Link: Workers Compensation Insurance

  • Group Health Insurance:

    Group health insurance coverage is a policy that is purchased by an employer and is offered to eligible employees of the company (and often to the employees' family members) as a benefit of working for that company. A group health insurance plan is a key component of many employee benefits packages that employers provide for employees. The majority of Americans have group health insurance coverage through their employer or the employer of a family member. One of the advantages for employees in a group health plan is the contribution most employers make toward the cost of the health coverage premium—in many cases, employers pay one-half or more of the monthly premium for an employee. Because health insurance rates are re-negotiated each year based on the previous year's health care costs, some employers offer wellness programs for their employees. By keeping employees healthier, they can lower medical costs. Participation in these programs can sometimes make employees eligible for reduced health insurance premiums. For employees who pay a portion of the premium themselves (which is typical), this can mean eliminating some or all of that charge. Most group insurance plans are managed care plans, typically either HMOs or PPOs. They are also many other plans that can be included, such as Dental, Short Term and Long Term Disability, Life Insurance, Etc.

    Link: Group Health Insurance:

  • Individual Health Insurance:

    Policies for people that are not covered under group polices provided by an Employer. Such as Self-employed individuals, individual that are currently unemployed or opt not take part in an Employer sponsored group program.

    Link: Individual Health Insurance:

  • Health Insurance | Obamacare | Affordable Care Act | Cost Sharing

    Health insurance under the “Affordable Care Act”, better known as “Obamacare”, covers preventive care and health services, in order to keep the individual healthy and detect possible health problems with time and keep the families healthy. Health insurance helps individuals and families protect themselves from high medical costs and emergencies. The insurers pay most of the cost, leaving only a small cost-sharing that includes co-payments, co-insurance, and deductibles, but always with a maximum out of pocket disbursement, limiting your financial burden.

  • Seguro de Salud | Obamacare | Costo Compartido

    Los seguros de salud bajo la ley de Ley de Cuidado de Salud, mas conocida por Obamacare, cubre los servicios de salud preventivos. Para asi mantenerlo saludable y detectar con tiempo posibles problemas de salud y mantener las fomilias saludables. El seguro de salud ayuda a los individuos y familias a protegerse de los altos costos medicos y emergencias. Las aseguradoras pagan la mayor parte del costo, dejando solo como responsabilidad de los miembros un pequeño costo compartido que incluye copagos, coseguros, deducibles, pero siempre con un maximo de desembolso de bolsillo.

  • Obamacare | Health Insurance

    Health Insurance is a type of insurance coverage that pays the whole or part of the risk of a person or a family incurring in medical expenses. Depending on the type of health insurance coverage, the insurer can make payments directly to the provider or hospital and the insured needs to contribute by paying the cost sharing or member responsibility.

  • Seguro Medico | Obamacare

    El seguro de salud (seguro medico) es un tipo de cobertura de seguro que paga la totalidad o parte del riesgo de que una persona o una familia incurre en gastos médicos. Dependiendo del tipo de cobertura de seguro de salud, el asegurador puede hacer pagos directamente al proveedor u hospital y el asegurado debe contribuir pagando los costos compartidos o la responsabilidad del miembro.

  • Our objectives include:

    Design a plan best suited to fit your needs. Research the market to find the most competitive product. Present to you a concise, easy to interpret proposal that will allow you to make an informed decision. Full implementation of all methodologies with a turnkey product for our clients. Provide for ongoing Insurance service and plan administration.

    Link: Our objectives include:

  • Individual Life Insurance:

    A protection against the loss of income that would result if the insured passed away. The named beneficiary receives the proceeds and is thereby safeguarded from the financial impact of the death of the insured. The goal of life insurance is to provide a measure of financial security for your family after you die. So, before purchasing a life insurance policy, you should consider your financial situation and the standard of living you want to maintain for your dependents or survivors. For example, who will be responsible for your funeral costs and final medical bills? Would your family have to relocate? Will there be adequate funds for future or ongoing expenses such as daycare, mortgage payments and college? It is prudent to re-evaluate your life insurance policies annually or when you experience a major life event like marriage, divorce, the birth or adoption of a child, or purchase of a major item such as a house or business. Pandora Insurance Agency will be happy to speak with you and assist with customizing a life insurance policy, with the proper coverages to meet your needs, the lowest price and the best carrier.

    Link: Individual Life Insurance:

  • Group Life Insurance:

    Life insurance offered by an employer or large-scale entity (i.e. association or labor organization) to its workers or members. Group life insurance is typically offered as a piece of a larger employer or membership benefit package. By purchasing coverage through a provider on a "wholesale" basis for its members, the coverage costs each individual worker/member much less than if they had to purchase an individual policy. Those receiving coverage may not have to pay anything "out of pocket" for policy benefits or they may elect to have their portion of the premium payment deducted from their paycheck. The employer or organization purchasing the policy for its workers or members retains the master contract. People who elect coverage through the group policy receive a "certificate of credible coverage," which will be necessary to provide to a subsequent insurance company in the event that the individual leaves the company or organization and terminates their coverage. Pandora Insurance Agency will be happy to speak with you in customizing a Group life insurance policy, which will be financially feasible for your Company as well as beneficial to your employees.

    Link: Group Life Insurance:

Categories

Car Insurance
(305)231-9898 (305)-231-9898 +13052319898 (305)828-6500 (305)-828-6500 +13058286500

Map 3520 W 18th Ave

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