Full Service Florida Insurance Agency
Header

Most people enjoy spring time weather. However, hurricanes are more likely to occur after spring ends. Hurricane season starts in June and ends on November 30. Hurricanes can do a lot of damage and can be frightening to live through. Fortunately, there are things that you can do to stay safe during a hurricane. Below is a list of things that you can do in order to prepare for hurricane season:

Make Sure That You Have The Proper Insurance Coverage

You will need to review your insurance coverage before the hurricane season starts. Your homeowner’s coverage may be sufficient. However, you may also have to get hurricane insurance. Your homeowner’s insurance coverage will likely cover the wind and rain damages, but it may not cover flood damages. That is why you may have to get hurricane insurance. This form of insurance will cover any type of damage that the hurricane causes.

You may also want to review your commercial insurance policy and auto insurance policy. Your commercial insurance can cover damages that a hurricane causes to your building. It can also cover losses that occur if you are forced to temporarily shut down your business because of the weather. Auto insurance will cover damages that the hurricane does to your vehicle.

Take Inventory

Before the nice spring weather ends, you should take inventory of everything that is in your home or business. This will make it a lot easier for you to file an insurance claim.

Make An Emergency Kit

You should stock an emergency kit that has basic things that you will need to survive. First aid kit, change of clothing, essential medication, water bottles, non-perishable food items, batteries, flashlights, pillows, blankets, sleeping bags and personal hygiene items are some of the things you should put in an emergency kit.

Mother’s Day Gifts – One More Thing to Remember

With Mother’s Day almost upon us, chances are you’ve already found the perfect gift for that special mother in your life. And if that special gift is a piece of jewelry, have you thought about whether your current insurance coverage will be adequate enough to protect it?

With many homeowners insurance coverage policies, certain jewelry items require special riders, often called incidental insurance coverage riders, or jewelry insurance coverage.

This incidental insurance coverage lays out specific items of jewelry and their appraised value and offers insurance coverage for only those pieces named. Your insurance policy should state clearly whether you have jewelry insurance coverage.

If, after examining your policy, you notice that your homeowner’s insurance coverage does not cover specific jewelry items, you should talk with your insurance agent, and explain the jewelry items that you would like covered.

Recently purchased pieces, often only require you to provide the receipt of sale to establish the cost and coverage amount of the piece. However, if you are adding multiple pieces of jewelry to your coverage, your insurance agent may request that pieces purchased more than a few years ago be appraised by a jeweler to determine their current replacement value.

Although documenting and appraising jewelry to add to your homeowner’s insurance policy can be a little time-consuming, it is important if you wish to be adequately covered in case of theft or loss. Your standard homeowner’s policy will not usually cover the cost of all your jewelry items, or will cover jewelry only up to a certain amount, perhaps $1,500 to $2,000.

By taking the time to add any new Mother’s Day gifts to your insurance policy, you can ensure that the special woman in your life can continue to enjoy your gift, even if the unthinkable happens.

Under The Umbrella

April 28th, 2016 | Posted by Brenda Snow in Insurance Coverage - (0 Comments)

Umbrella insurance is an extension of basic liability insurance. An umbrella insurance policy can cover a wide range of assets. When you add an umbrella option to your homeowner’s insurance coverage, your assets will be protected. A regular insurance policy will have exclusions, and you will be responsible for the damages that are not covered by the insurance policy. If you do not have an umbrella policy, you will be responsible for the additional fees.

The Benefits of Umbrella Insurance

There are several different types of insurance coverage, and there are several benefits to having umbrella insurance. However, you must purchase the correct insurance policy. The policy could cover automobiles or homes. If you do not have the correct insurance coverage, you could lose any commercial property that is linked to your personal finances. You could also lose your retirement accounts. You should always make sure that you are purchasing the correct homeowners insurance coverage.

Understanding The Benefits of Umbrella Insurance

Before you purchase additional coverage, you should have a clear understanding of what is covered. You will need to know how much the policy will payout after an accident. You will also need to make sure that the policy covers inclement weather.

You should have a clear understanding of the conditions and terms. The policy may have constraints on certain situations. You should always purchase more coverage than you think you will need. You can find a policy that can protect all of your important assets. Furthermore, the insurance policy should give you peace of mind. When you purchase an umbrella policy, your important assets and retirement accounts will be protected after a financial disaster.

Before the first claim is filed, and even before the first premium is paid, trust between the customer and agency should be cultivated. Whether the customer needs a policy for homeowner insurance, renters insurance, auto insurance or business insurance, the goal of the agency should be to demonstrate trust factors that ensure that every customer will be a lifelong client.

 

One such trust factor is competence. A thorough knowledge of the product and the ability to articulate the parameters of the insurance coverage is essential for building client confidence. The customer should know what they’re purchasing and should be confident that their homeowner insurance coverage, renters insurance coverage, auto insurance coverage or business insurance coverage meets their needs.

 

Additionally, a regular review of the product is needed to determine if the customer continues to have adequate insurance coverage. Does the client’s homeowner insurance coverage reflect recent upgrades made to the home? Is their renter’s insurance coverage for personal liability sufficient? Would an increase in coverage give greater protection for a customer reevaluating auto insurance coverage? Should our business client add professional liability to their business insurance coverage? Such care demonstrates to clients that they are a top priority.

 

A further demonstration of trust is through exceptional customer service. Can the agency be counted on when the customer files a claim? Whether the claim is for minor damage or a catastrophic loss, a demonstration of compassion, patience, regular follow-up and an expeditious handling of a claim will go a long way to show the customer that they are valuable clients.

 

Whether clients are shopping for homeowner insurance, renters insurance, auto insurance or business insurance, trust factors such as competence and excellent customer service will ensure that your customers will be with you for a long time.

Business insurance is important, of course. But what business insurance claims are most common, and what types of business insurance should you have?

1. The most common business claim is theft and burglary. Over the past five years, these claims affected 20% of businesses. They were not the most expensive, though, averaging $8,000.00. Nevertheless, businesses should take security precautions, and also carry insurance coverage for these crimes.

2. The next most common claim is for water or frozen water damage. These affected 15% of businesses in a 5-year period, and the average cost is $17,000. It’s easy to turn down the furnace while away, and return to broken pipes and gushing water. Water damage liability insurance is a good idea for both commercial insurance coverage and homeowners insurance coverage.

3. Wind and hail damage is the third most common claim, also touching 15% of businesses, and costing around $26,000. You’ll want to be covered if you live in a storm-prone area. Also, remember your company vehicles can be damaged by hail. Be sure you have auto insurance coverage for this.

4. Claims for fire damage involved 10% of businesses in the past five years. They’re very costly, averaging $35,000.00. Fire is a particular hazard in industries where flammable materials are used, but fires can start anywhere. Fire insurance as a part of commercial insurance coverage is a must.

5. Customer slip and fall accidents are expensive at $20,000. They’re also fairly common, at 10% of businesses in the past 5 years. Restaurants and retail stores that serve the public especially need this insurance coverage.

Be sure to have all the types of business insurance you need, including auto insurance coverage. You want your business insurance coverage to be complete, just like your homeowners insurance coverage.

Actual cash value and replacement cost are two insurance coverage concepts that are not fully understood by the general public. Read on for information on how these terms relate to auto and commercial insurance coverage.

Actual Cash Value

Actual cash value (ACV) is the monetary value assigned to property or the process by which that value is obtained. It is also defined as depreciation subtracted from the replacement cost. ACV policies are preferable in insurance coverage cases of appreciation rather than depreciation.

Replacement Cost

Replacement cost considers the initial value of the property upon purchase. The omission of deprecation allows more money to compensate for lost electronics and cars, making replacement cost policies great for home and auto insurance coverage.

Which Policy Is Best?

With homeowners insurance coverage, a replacement cost policy is usually ideal. When you are looking to replace belongings that were lost years after purchase, the items will have depreciated, making them nearly impossible to truly replace. For example, a flat screen smart TV that you purchased for $1000 years ago may only be worth a few hundred dollars now. Imagine searching for a similar TV today with $500 or less to spend.

Replacement cost policies also work well for auto insurance coverage. If your agent needs to find a replacement cost for your Honda that was new when you purchased it, then he or she might check the prices of similar Honda models that are new now.

Some things, like sports memorabilia and fine art, get better with time. If you own rare items for which a replacement cost would be difficult to find, consider an ACV policy. You can even insure your irreplaceable items with a separate ACV commercial insurance coverage floater that supplements your replacement cost homeowners insurance coverage.

In this day and age, it is still possible to encounter people who many misconceptions about obtaining basic insurance coverage. It doesn’t matter whether they own their house or not, these adults carry neither homeowner insurance or renters insurance coverage. If most states didn’t require auto insurance, they would probably drive uninsured as well.

Choices abound for consumers

The uninsured are usually concerned with how much insurance coverage they need and how much their monthly payments will cost. While many people still believe they have no choice in the matter, they are in fact sitting in “the drivers seat” when it comes to picking out their coverage. This is true of insurance policies purchased from independent insurance agents, as well as insurance companies who solely operate online.

 

Auto insurance

For that person who needs to pay a lower monthly premium, a higher deductible amount can be arranged. However should an unfortunate incident occur, you might have to pay for any damages later on. Conversely if one wishes to avoid out-of-pocket charges in advance, a higher monthly premium leaves you free from worry.

 

Your property is important

Having homeowner insurance is often a necessity, especially for those homeowners who are currently paying off a mortgage to a bank or other lending institution. In the event of damage or a burglary situation, renters insurance coverage will protect residents of apartment buildings too. Rest assured, that a full range of choices are always left up to the policy holder to decide.

 

Business insurance

Small business owners definitely need to insure their companies, in much the same way as their larger corporate counterparts. With business insurance, losses can be recovered quickly. No matter what your company sells or manufactures, gambling with your way of making a living is a dangerous thing to do.

Spring Has Sprung!

March 17th, 2016 | Posted by Brenda Snow in Uncategorized - (0 Comments)

The spring time weather conditions are usually warm enough for performing inspections and for completing home repairs, which will help to prevent more damage. The roof, downspouts, gutters, windows and doors should be inspected. The heating and air conditioning systems should be checked for damage and for blocked vents. The spring season is also a good time for reviewing the information about homeowners insurance coverage.

Roofs

Shingles and roofs can be damaged by snowstorms. Water could be trapped under a layer of ice and then forced into tiny crevices. The spring time weather conditions will promote the growth of mold and mildew while also increasing the likelihood for more water damage. Gutters and downspouts may be full of debris. The spring rainstorms will increase the severity of any problems. The terms for the homeowners insurance coverage should adequately cover the costs for most major repairs.

Heating and Air Conditioning Systems

A warm spring day will provide excellent weather conditions for turning off the furnace and for inspecting for problems from corrosion or debris. The vents, air ducts, connections and air conditioning unit should also be inspected for damage. Homeowners should have adequate insurance coverage for damage to an air conditioning system. The insulation that is around windows and doors can slowly deteriorate, which will increase the rate of heat transfer.

Driveways

There could be permanent water puddles on driveways or on lawns, which are caused by a broken water pipe cialis site officiel. The coatings on walkways and on driveways may have been affected by snow and ice. Any cracks should be repaired, which will help to control future problems. Extensive damage can be protected by an insurance policy. A home is an investment that will require regular maintenance procedures. Homeowners should have insurance coverage for controlling the future costs for serious problems.

Get A Grip!

March 3rd, 2016 | Posted by Brenda Snow in Auto Insurance - (0 Comments)

Maintaining your vehicle is a vital part of automobile ownership. Second only to carrying up-to-date registration and insurance coverage, proper maintenance can extend the life of your vehicle up to 100,000 miles. Responsible drivers know the importance of changing oil, bulbs, and the various filters on a vehicle. They take the extra steps— use premium oil, detail their vehicles, and carry extras like auto travel insurance and car club memberships. To even the most responsible drivers, however, tires are a mystery.

 

Your tires could be the most important maintenance item on your vehicle, with inadequate tire treads producing disastrous—and sometimes deadly—results. Learning about tread patterns, tread rubber, and tread blocks will make sure your next tire decision is your best tire decision.

 

Choosing the right tires for wet weather driving can save your life by preventing accidents, and even lead to lower rates on your travel insurance and auto insurance coverage. When looking for a quality tire for rainy weather driving, the three most important considerations are the tread block itself, the depth of the grooves, and the direction of the tread pattern.

 

The part of the tire that makes contact with the road is called the tread block. It is important to select a tire with a tread block made of soft rubber. Hard treads, often found in snow tires, have a smoother surface than soft tread tires. This makes them a poor choice for wet weather driving, because they are less capable of gripping the road surface. This causes tires with harder treads to provide less traction when you need it the most.

 

The tread block of a quality wet weather tire will contain deep groove rings that act as moisture channels. These grooves are the first line of defense when it comes to rainy weather driving, and displace water to prevent hydroplaning. To keep the water from getting trapped in the grooves, tire treads designed with wet weather driving in mind also have smaller grooves on the sidewall known as sipes. Sipes wick water away from the wheels, allowing the tire to make better contact with the road. Along with additional design grooves, these slits make up a tire’s tread pattern.

 

For maximum wet weather safety, it is important to select a tire with a unidirectional pattern. A unidirectional pattern will release water in one direction only. This clears moisture away more efficiently and is extremely effective in preventing hydroplaning.

 

With the highest quality tires tied to high prices, it’s a good idea to carry auto travel insurance for life’s emergencies. Standard insurance coverage is required, but the optional travel insurance can make unexpected high-cost repairs painless. With the high risk involved in rainy weather driving, auto insurance coverage ensures you and your vehicle will be taken care of.

It’s Your Business!

February 18th, 2016 | Posted by Brenda Snow in Business Insurance - (0 Comments)

It’s Your Business – Protect It!

If you’re a business owner, you’ve probably heard how importance insurance coverage is. It really can’t be overstated however, because without business insurance you’re putting yourself, your livelihood, and the livelihood of your employees at risk.

 

We live in a litigious society, and as unfortunate as that may be, it’s very important to protect yourself with commercial business insurance. Assuming anything goes wrong on the job site, having a proper plan and coverage could save your business from having to spend thousands of dollars – if not hundreds of thousands of dollars – on a situation that could have been avoided by having insurance coverage.

 

The advice to get proper business insurance isn’t just for brick and mortar establishments either. If, like so many people do in this new era of digital communication, you run an online business, you may wish to consider getting online business insurance. Speak with your agent, but this will generally protect you from common issues faced by all successful internet-based businesses, such as data theft, fraud, and more. You aren’t fully protected if you don’t have online business insurance.

 

Think about it this way. You insure your home, your vehicle, and likely even yourself (via health or life insurance). Your business is perhaps one of the most important aspects of your life – so why wouldn’t you insure that too? Many affordable options are available for businesses ranging in size from start-up to fully fledged corporations with multiple employees.

 

Consider your options and do your homework. This is part of owning a successful business – in fact, most business owners consider commercial business insurance as simply one other aspect of their mandatory operating overhead. Do the right thing for yourself, your family, and your employees by finding a coverage plan that works for you and your specific needs.
The Hartford Products