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Umbrella Insurance FloridaUmbrella Insurance

Lawsuits are not reserved for the rich and famous, unfortunately, no one is immune.  Disastrous circumstances can leave you in debt if you are not protected.

An umbrella insurance policy goes beyond the limitations of traditional insurance.

GreatFlorida Insurance provides extra liability insurance from lawsuits, property damage, injuries, slander and libel, worldwide incidents and false arrest and imprisonment as well as shock and mental anguish for residents of Florida.

Our umbrella insurance is designed to protect you and your family from major claims and lawsuits. It is security without the huge costs.

An umbrella policy will cover medical bills and claims of an incident that occurs on your property such as a dog bite, pool injury or death, or boating incident. Property damage liability covers damage you are responsible for such as a serious auto accident.

It can also safeguard rental property you own. Without an umbrella policy your assets, college fund, salary and retirement savings are vulnerable.

GreatFlorida Insurance is here to support you and your family when a crisis occurs. Prevent your family from financial ruin by signing up for an umbrella policy to shelter your family’s future.

Umbrella Insurance FloridaCover Your Bases with Umbrella Insurance

It's the part of insurance that we all dread, policy coverage limitations. You pay for insurance expecting complete protections.

Unfortunately, we all know that while it's essential to arm yourself with insurance policies that protect your assets, there are occasions where those policies just aren't enough.

You can hope that you have great luck and will never need more than your policies cover, or you can invest in umbrella insurance.

Contact a GreatFlorida Umbrella Insurance Agent in Florida for your free quote today by calling 888-478-7801 or by taking a few moments to complete our online quote request form.

What is Umbrella Insurance?

Umbrella Insurance is like the super hero of insurance policies. It saves you by breaking the chains on the limitations of auto, boat and home insurance.

Basic policy exclusions are no match for umbrella insurance. Get added protection from such liabilities and incidents like:

  • Lawsuits
  • Property damage
  • Injuries
  • Slander and libel
  • Worldwide incidents
  • False arrest and imprisonment

How do I know if I need an umbrella insurance policy?

Do you want to know you're protected against the limits of your policies? Do you want coverage on items that are excluded from your policies?

If you answered "yes," an umbrella insurance policy is your answer.

Simply call 888-478-7801 or complete our online quote request form. A GreatFlorida Umbrella Insurance Agent in Florida will help you find the best deal for you.

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Call 888-478-7801
Umbrella Insurance Florida Blog
by GreatFlorida Insurance
12/11/2018

Not everyone on the road this time of year is interested in spreading holiday cheer.

A new study by smartphone app GasBuddy says, individual’s driving habits are 175 percent more aggressive during the holiday season compared to the rest of the year. According to the study, Florida ranks 6 for states with the worst holiday drivers.

Their data also revealed that aggressive driving habits occur most during the beginning of the season, with more instances happening during the drive to the holiday destination, rather than on the return trip.

“People are under a lot of stress during the holidays and tend to lose their patience while driving,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent car insurance agency.

Aggressive driving is considered, hard breaking, speeding and quick accelerating.

A study by the AAA Foundation for Traffic Safety found nearly 80 percent of drivers expressed anger, aggression or road rage behind the wheel at least once in the previous year. They also report, over half of fatal crashes involved at least one driver who performed an aggressive action.

AAA recommends drivers, “Manage your behavior, manage your responses.” Do not be personally offended when you see other drivers doing something illegal or inconsiderate. Many drivers this time of year are rushed or distracted, so try and be forgiving. Also, do not respond or make contact with an aggressive driver looking for a confrontation.

Additionally, AAA reminds drivers, to remain calm and courteous while driving, it lowers your risk of a dicey encounter with another driver.

Their tips for dealing with hostility on the road:

  • Avoid eye contact with angry drivers.
  • Don’t respond to aggression with aggression.
  • If you feel you are at risk, drive to a public place such as a police station, hospital or fire station.
  • When you park, allow room so you can pull out safely if someone approaches you aggressively.
  • Use your horn to attract attention but remain in your locked vehicle.
  • If you are confronted, stay as calm and courteous as possible.
  • If you feel threatened, call 911.

“Florida does not require motorist to carry bodily injury coverage. So, if you are hurt by an aggressive driver who does not carry that coverage, you are responsible for the cost of your medical expenses,” reminds Buck with GreatFlorida Insurance.

Make sure you are properly covered through your auto insurance policy or health insurance plan, call GreatFlorida Insurance today.

The post Aggressive Driving Increases During the Holidays appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
12/4/2018

The Florida Department of Health recently issued a health advisory to inform the public of an increase in Hepatitis A cases across Florida,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent health insurance agency.

Since January 2018, 385 cases of hepatitis A virus (HAV) infection have been reported in Florida. This is more than three times the previous five-year average of 126 cases. Florida’s cases are beginning to mirror national trends.

The increase in hepatitis A cases to date is predominantly in the Tampa Bay and Orlando metropolitan areas. Unlike previous outbreaks, most of the latest cases do not involve international travel exposures.

Although infections have occurred across all demographic groups, approximately 68 percent of the recent cases are among males. The median age of cases is 37 years and the highest rates of disease are among persons 30-49 years.

The Mayo Clinic explains, “Hepatitis A is a highly contagious liver infection caused by the hepatitis A virus. The virus in one of several types of hepatitis viruses that cause inflammation and affect your liver’s ability to function.”

HAV is usually transmitted through person-to-person contact. The virus can also be transmitted from contaminated food, water or an object that’s infected. While mild cases do not require hospitalization, 77 percent of recent cases in Florida have required hospitalization. However, most people who are infected recover completely with no permanent liver damage.

Hepatitis A is a vaccine-preventable illness. Most health insurance companies cover the cost of a hepatitis A immunization. Check with your doctor, pharmacy or walk-in-clinic.

“Hepatitis A vaccines are provided free to all Florida children 18 and under,” reminds Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent health insurance agency.

The Florida Department of Health says the best way to prevent the virus is through vaccination. Additionally, practicing good hygiene- including thoroughly washing hands after the bathroom, changing diapers and before eating and preparing food can prevent the spread of hepatitis A.

Symptoms of HAV include:

sudden nausea and vomiting

abdominal pain or discomfort

clay colored bowel movements

dark urine

loss of appetite

low grade fever

joint pain

jaundice

intense itching

Get your health insurance through a dependable company you know you can trust. GreatFlorida Insurance offers health insurance coverage through Florida Blue. Contact us today.

 

The post Hepatitis A Health Advisory Issued appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
11/28/2018

Floridians can finally enjoy the arrival of dry season. With it brings relief from oppressive heat and humidity along with cold fronts and cooler temperatures.

However, the Florida Forest Service also reminds us, drier days increase the chance for forest fires. So far in this year, 93,000 acres have burned across the state.

“Following fire-safe practices can protect your family and home,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

To keep you and your home safe during these drier days, below are some tips.

Clear out dry vegetation-get ride of pine needles, dry leaves, dead palm fronds, dead sticks and twigs in your yard.

Don’t forget the roof-remove dry vegetation from the roof and clear out your gutters. Eliminate any overhang from trees as well. Cut any tree branches within 10 feet of your roof.

Mowing-cut dry weeds and grass before noon when temperatures are cooler.

Pick-up-keep woodpiles, propane tanks and combustible materials away from your home, garage or shed.

Water!

“To take your home protection a step further, the Florida Forest Service recommends creating a defensible space around your home,” says Ellsworth Buck, Vice President of, GreatFlorida Insurance Florida’s top independent homeowners insurance agency.

A defensible space, is Fire Wise landscaping. It increases the likelihood that your home will survive a wildfire even in the absence of firefighters. The U.S. Forest Service explains, Fire Wise landscaping is designed to minimize the spreading of a forest fire.

Your yard is split in four zones. Each zone represents a certain amount of space that extends from your home.

Zone 1, 0-30 ft. “defensible space”-plant nothing flammable against your home.

Zone 2, 30-60 ft. “fuel reduction”-use raised beds, stone walkways and patios.

Zone 3, 60-100 ft. “transition zone”-driveways within this zone provide a break.

Zone 4, 100 ft. + “perimeter zone”-even at a distance, it is important to maintain vegetation.

GreatFlorida Insurance offers homeowners insurance to fit your budget and your needs. Give us a call or go online for a quote today.

The post Preparing for Dry Season appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
11/20/2018

Tuesday, November 27, marks the seventh year of #Giving Tuesday. #Giving Tuesday kicks off the charitable season, when many focus on their holiday and end-of-year giving. It is a day to celebrate and encourage donations and volunteer activities that support charities and non-profit organizations.

“Getting involved with a charity in your community is a valuable investment,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

The #Giving Tuesday website provides a directory to help you find charities and events in your community participating. Actually, thousands of organizations across Florida are participating. They are championing a variety of causes such as caring for seniors, displaced people, children, animals, charities trying to eradicate disease and abuses, those fighting for environmental issues and much more.

Ways to Participate:

  • Donate to your favorite charity or non-profit.
  • Volunteer your time at a local organization.
  • Start your own fundraiser on Facebook. The #Giving Tuesday website walks you through instructions.
  • Do something kind- pay an elderly relative a visit, bake cookies for a neighbor or offer to sweep sick friend’s driveway.
  • Document your activity on social media and spread the good cheer!

The entire family can participate. Teaching children the importance of generosity benefits them. They become less self-focused, while connecting with the world and the needs of others.

Giving enhances the life of the receiver as well as the giver, making our world a more compassionate place.

“Thanksgiving is an ideal time to express my gratitude to our phenomenal independent agents and their staff for all their hard work to make GreatFlorida Insurance a success. Also, a big thanks to all our customers. It is our honor and pleasure to serve you and your families,” says Ellsworth Buck, Vice President of GreatFlorida Insurance.

GreatFlorida Insurance is ready to protect your house and family with reliable homeowners insurance. Give us a call for a free quote today.

The post Get into the Holiday Spirit With #Giving Tuesday appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
11/13/2018

Holiday Spending Forecast

Holiday sales are likely to surpass the trillion dollar mark this year for the first time ever, according to eMarketer, a market research company. They anticipate a 5.8 percent increase compared to last year, marking the strongest growth in holiday spending since 2011. The surge in spending is attributed to low unemployment and strong income growth, translating into greater consumer confidence.

“With retailers anticipating more spending, shoppers can find plenty of deals,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Thanksgiving Store Closures

So, can shoppers enjoy Thanksgiving Day, without feeling like they are missing out on a bargain? This year nearly 100 popular national and regional retailers will not be open on Thanksgiving Day. Website, bestblackfriday.com, has a comprehensive list of store closings, including, Costco, Publix, TJX Group (T.J. Maxx, Marshalls, HomeGoods) and Home Depot.

In a survey conducted this year, the website found 24 percent of Americans favor Thanksgiving openings, while over 47 percent dislike Thanksgiving openings. Bestblackfriday.com discovered the common theme of “family-time” cited as the reason most retailers remain closed on the holiday.

When to Purchase

However, closing one day still leaves plenty of days for shopping. “Planning ahead seems the best way to get the most for your money,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent homeowners insurance agency.

While many retailers are already offering great bargains, the biggest deals will most likely be found on Black Friday and Cyber Monday. However, will you still be able to find what are looking for if you wait until then? Adobe Analytics tracks online shopping and has come out with their annual holiday forecast. Their recommendations, if you have a specific item you want to purchase, buy it before Thanksgiving.

Adobe Analytics’ findings include:

Best Days for Deals

11/22, Thanksgiving-sports goods

11/23, Black Friday-electronics (including tablets), TV’s and computers

11/25, Sunday-apparel, appliances, jewelry

11/26, Cyber Monday-toys

11/27, Giving Tuesday-furniture and bedding

 

The post Strategic Holiday Shopping appeared first on The GreatFlorida Insurance Blog.