Full Service Florida Insurance Agency

Starry, Starry Night

February 11th, 2016 | Posted by Brenda Snow in Auto Insurance - (0 Comments)

Many people have a hard time with night driving. While it is a normal to feel out of sorts while driving at night, it can be a real hazard.

Vehicle death rates are three times higher at night than they are during the day. Without sunlight, color pigmentation, depth perception and peripheral vision all decline. Strict focus on the road and on other drivers are keys to successful night driving.

Here are some other important pointers to make driving at night safer.

1. Turn headlights on one hour before dusk and an hour after dawn to increase the visibility of your car.

2. Make sure your headlights are properly aligned so oncoming traffic can be seen better.

3. Anti-reflective coatings on glasses can cut down on glare and lenses developed with wavefront diagnostic technology can reduce star bursts, glare, halos and other visual aberrations.

4. Keep the interior windshield clean to reduce glare.

5. Use low-beams in foggy weather.

6. Be extra cautious at intersections. Most accidents among the older population occur at intersections due to a failure to yield, especially when making left turns.

7. Don’t ignore eye fatigue. If you need to, park the car and take a brisk walk or take a nap.

8. Don’t drive too fast.

9. Check your area for classes for night driving. Classes for night driving can give you real, hands on techniques for driving safely under the stars. Auto driving safety courses should be seriously considered if you’re having a very difficult time driving at night. These auto driving safety courses have saved many lives.

10. Visit your eye doctor at least once every two years or more often if you have a specific issue or condition.

11. Do regular maintenance on your car.

12. Of course, make sure that your auto insurance coverage is up to date. Auto insurance coverage regulations differ for each state so check locally to make sure you have exactly what you need. Your insurance coverage will likely cover:

Medical payments for the one with insurance coverage,
Property damage caused by the insured,
The insured vehicle,
Third parties,
The cost to tow the car and more.

Everyone wants to feel safe, not only from criminal mischief but from accidents as well. A moment of distraction can lead to a lifetime of regret, and nowhere is that more true than with home window safety. Luckily, it’s not difficult to dramatically improve home window safety. Doing so may not only save a life, but also cut homeowner insurance policy costs.


One simple fix is to not place furniture too near a window. Children and pets both enjoy watching the world go by, but they lack an adult’s common sense. Even a window with a screen is a danger to a curious child. Though insurance coverage may take care of the monetary cost of an injury, nothing can heal the emotional damage from losing a child to a preventable accident.


In fact, even with strategic furniture placement a better option may include installing bars. Placing window guards with emergency releases on the window will not only eliminate the threat of a child falling out, it will reduce the chances of a burglar breaking in. The secondary benefit is that either renters insurance coverage or homeowner insurance coverage will likely go down in price with this additional security measure in place. The emergency release means that the window can still be used as an escape route in case of fire, something which may also be required to maintain homeowner insurance coverage.


Another way to increase window safety is from the outside. Trimming back overhanging branches reduces the chance of a broken window during a storm, a fix that can be expensive even with insurance coverage. Though windows broken by acts of god are often covered by homeowner insurance, the deductible can add up to hundreds of dollars. There is also the risk to both the pets and people in the home from the broken glass.


Trimming back trees, moving around furniture, and installing window guards are quick and easy fixes to a very real safety hazard. It will provide peace of mind to anyone in the home, while also saving money in the long term via the homeowners or renters insurance coverage. In a world full of unavoidable dangers, it is nice to find a problem with such an easy solution.

The thought of someone breaking into the sacred space you call home is jarring. While you cannot prevent all misfortunes from occurring, you can do your best to protect yourself and your family.


1. Get a Dog.
While you should adopt a pet because you love him or her, and not as a working animal, dogs offer an important security benefit. They make noise. If a person approaches the house, a barking dog can ward that individual off. You should speak with your homeowner insurance company before adopting since some homeowner insurance coverage policies will not cover certain types of dogs.


2. Install an Alarm System.
An alarm system, complete with signs advertising the presence of the system on the lawn, doors and windows, is a smart way to keep people away. Take a look at your homeowner insurance coverage policy and speak with your homeowner insurance company because you may receive a reduction on the rate.


3. Set up Video Cameras
No one wants to get caught on tape destroying a home, whether you have homeowners insurance or renters insurance coverage. Of the home theft prevention tips, installing a camera is a smart one. Post a sign that says a camera exists. If someone still does break in, you will have footage of him or her.


4. Better Doors and Windows
When you are installing windows and doors that are sturdier, you should also find out if your insurance coverage offers any breaks for doing so. You may find that your insurance coverage will reduce the fee if you have certain types of units and locks.


5. Secure the House
The last of these home theft prevention tips is to make sure you always lock your windows and doors, even if you are home or just running out for a few minutes.


Whether you own a home or are researching renters insurance coverage, these tips can help you to stay safe.

The holiday season is filled to the brink with shopping from Black Friday through Christmas Eve. Unfortunately, the holiday season is also ripe with identity theft. With all of that credit card swiping, it’s extra important to know the tips to protect your identity.

Pay With Cash

Card skimming is popular during the holidays and skimmers can be attached to credit card readers or ATMs. If you’re able to do some of your shopping with cash, that’s your safest bet. Go into your bank to withdraw money from the teller instead of using the ATM.

Use Your Credit Card

Instead of using your debit card for holiday shopping transactions, use your credit card. You’ll get more protection from your credit card and it won’t pull your own money straight from your account. Most credit cards have full protection from fraud so long as you report it within 90 days. Make sure to read your credit card guidelines carefully before starting your holiday shopping.

Shop Online Safely

Don’t shop online using a public WiFi network, like the one you’d use at a coffee shop. Criminals can access your credit card or bank information if you enter it online. This goes for the transactions you do on your laptop as well as those you do on your mobile devices, like your tablet or phone.

Freeze Your Card

If you think that you may have been hacked, call your credit card company or bank to freeze your card. Just make sure that your automatic payments won’t be affected, like your automobile insurance coverage or your homeowners insurance coverage. It’s a good idea to do all of your shopping with a separate card so that things like your automated utility payments and insurance coverage payments won’t bounce.

Save Your Energy!

December 10th, 2015 | Posted by Brenda Snow in Homeowners Insurance - (0 Comments)

Reduce Home Energy Costs throughout the Holidays

The busy holiday season can lead to an increase in home energy costs unless you prepare ahead of time. One of the main reasons for excessive energy usage during the winter holidays is because temperatures begin to drop, and you must have a home’s furnace working throughout the day and night.

Keep Doors Closed

You may have relatives and friends entering and leaving your home for holiday parties, and this leads to a home’s doors opening and closing frequently. As doors open and close, cold air enters and climate-controlled air leaves. You will notice that a furnace is turning on and off more often or feel cold drafts inside a home.

Buy New Lights

To keep a home warmer in the winter, urge guests to open and close doors quickly and firmly by posting a sign on each door. Saving on home energy costs is also possible when buying holiday lights for the exterior of a home and a Christmas tree. There are solar-powered lights that shine brightly each evening to provide a decorative holiday ambience.

Close Window Draperies

If you need to use holiday lights further away from windows, then choose light-emitting diode bulbs to reduce home energy costs. At night, make sure to close your home’s draperies to prevent heat loss and turn off holiday lights until the next evening.

Check Your Homeowners Insurance Coverage Policy

Saving on home energy costs in the kitchen is also possible during the holidays by baking all of your cookies, cupcakes and pies at the same time and freezing the foods for use later comparaison prix cialis. With all of the money you are saving on home energy costs, it is easy for you to increase insurance coverage to protect your family from catastrophic events.

Understanding home fireplace safety is vitally important during the winter months to avoid dangerous situations that can occur. One of the most important ways to protect a family’s finances is having homeowner’s insurance coverage in case a catastrophic event does happen.

Fireplace Safety Tip One: A Yearly Inspection

At least once a year, a homeowner should have a fireplace and its chimney inspected by technicians. This service call includes having the interior of the chimney stack cleaned from top to bottom to remove greasy creosote that can lead to flames.

Fireplace Safety Tip Two: Protect Furniture and Carpets from Sparks

Protect furniture and carpets near the fire pit from sparks with a fireproof stone floor. Homeowners should also place a metal fire screen in front of the flames after the logs begin burning.

Fireplace Safety Tip Three: Understand How to Build a Fire

Make sure to understand how to build a fire properly with kindling wood before placing larger logs on top. Do not use chemicals such as gasoline to start a fire faster. Always check the fireplace’s damper to make sure it is open to permit smoke to escape.

Fireplace Safety Tip Four: Keep Children and Pets Away from the Fireplace

Teach children to stay away from a fireplace all of the time, and keep pets caged to avoid an accidental burn that can lead to a dangerous fire in a home.

Fireplace Safety Tip Five: Keep Clothing and Hair Away from Flames

While starting a fire, adding logs or cooking food, tie back long hair and roll up long sleeves to avoid catching these items on fire. Never leave a fire unattended to avoid accidental flames that can cause property damage, but if it does occur, then insurance coverage helps to pay for the repairs.


As a small business owner, it is essential to save money whenever it is possible to do so. One of the biggest areas of opportunities for many small businesses is travel. The good news is that there are several different ways in which this can be accomplished. Here are several different tips for saving money on small business travel.

Plan Ahead

Having a plan ahead of time can be a great way to save money. The earlier that flights and hotels are booked, the cheaper they usually are. In addition, having a plan allows a person to layout their entire strategy when it comes to choosing where to go. Simply writing everything down and getting early reservations can save a small business a lot of money over the course of a year.

Insurance Coverage

When renting a car, many rental companies will ask if you want to have added coverage on the vehicle. However, this is often covered already by the business. Always be sure to decline any added on insurance coverage options. For the most part, these are not needed and will just waste money. This is another option that can save thousands of dollars over the course of a year if someone travels a lot with their company.

Use Rewards

There are many different ways that rewards can be used in order to get reduced cost on travel. Purchasing items with a credit card can earn reward points for the business. These can then be converted into airline miles or something along those lines. With all of the money that a typical business spends, this can really add up to a lot of saved money over the long term. These three tips can save the average small business thousands of dollars a year.

Consider Home Safety

Families need to think about home safety, including preventing break-ins or accidental fires that can occur. Of course, everyone should have homeowner’s insurance coverage to pay for the expense of the repairs to a home after vandalism happens or flames damage a structure. However, the most important thing to consider is fire safety for yourself and relatives to avoid personal injuries or death from smoke inhalation or burns.

Review the Rules

Young children learn about fire safety in the home while in elementary school, but it is easy to forget the suggested rules after becoming an adult. One of the best things that families can do is to have home safety meetings occasionally to review the rules to prevent fires from occurring. To help everyone to remember the fire safety rules, it is a good idea to create a written list to keep in the kitchen of a home.

Watch Food Cooking

The kitchens of homes are the most frequent place where accidental fires start because that is where most appliances are located. In addition, fires typically begin while someone is preparing a meal using a stove. One of the most important rules to remember while using a stove is to remain in the kitchen while cooking to avoid having a pan boil dry or food catch on fire.

Have Insurance Coverage

Additional tips while cooking over a stove’s flames is to push up long sleeves to avoid catching clothing on fire, and it is essential to have a fire extinguisher in a kitchen to use in case something such as pot holders near the stove get to close to a burner and begin to burn. To avoid financial losses, contact an agent today to learn about insurance coverage for medical bills and a home.

Your car dashboard lights can tell you a lot about your car. That is why it is important to make sure that you pay attention to them. It is also important for you to know the function of your car dashboard lights. The ABS warning light is turned on when something is wrong with the anti-lock brakes.


The low fuel notification is turned on every time that the fuel is low. If you or one of your passengers is not wearing a seat belt, then the seat belt reminder will turn on. The tire pressure monitor light is turned on when the tire pressure is low. Additionally, the warning light is turned on when there is an unidentified problem with your car. This means that your car needs to be serviced.


The battery warning light is an indication that something is wrong with the battery. You should take your car to the service shop in order to identify the source of the problem. The cruise control light will be turned on in the dashboard if cruise control is activated.


If there is a problem with your car, then you will likely be able to tell by taking a look at the dashboard. In addition to looking at the dashboard regularly, you need to make sure that you have automobile insurance coverage. Insurance coverage is required by the law. It can also save you a lot of money if you happen to get involved in a car accident.


In addition to having insurance coverage, you need to make sure that it meets the minimum requirements. All states require that drivers have a minimum amount of liability insurance coverage. You also need collision insurance. Collision insurance will cover the cost of repairing your own car.

This is Child Safety Month. Many parents are putting their children in harm’s way without even realizing it by not installing the safety seat properly. In fact, it is estimated that 80 percent of car seats are not installed properly. Fortunately, there are many things you can do in order to make sure that your child’s safety seat is installed properly.

You want to make sure that you pick the car seat that is the appropriate size for your child. Keep in mind that newborns and infants need rear-facing car seats. Once your child has outgrown the rear-facing car seat, he or she can move to a forward-facing one. Most children can fit in a forward-facing car seat by the age of two.

Once children reach 40 pounds, they can move to a booster seat. Most children can use an adult seatbelt by the age of eight. It is important to note that children should sit in the backseat. When you are looking for car seats, you should also pay attention to the safety ratings. It is a good idea to choose a car seat with two piece retainer clips. These are harder for a child to unfasten.

Additionally, you will need to know how to properly install a car seat. You will need to read the owner’s manual for your vehicle in order to see how the car seat should be installed. All car seats come with an instruction manual. They also come with a diagram that shows you exactly how the car seat should be installed. Make sure that you read the instructions and study the diagram carefully.

In addition to having a car seat that is properly-installed, you will need to have automobile insurance. Insurance coverage is required by law.

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