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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.

Get a Quote Online
Call 888-478-7801
Umbrella Insurance Florida Blog
by GreatFlorida Insurance
12/28/2017

It’s hard to believe a new year is right around the corner. With each passing year, life brings changes. It is crucial to have an insurance policy that reflects your lifestyle and needs. Transitions throughout the year can dictate adjustments to your insurance. Insurance policies should be reviewed annually to guarantee you and your family has suitable coverage.

“Taking the time to review your policy and your coverage amounts prevents you from being over-insured or under-insured,” says Ellsworth Buck, Vice President of GreatFlorida Insurance. A review and chat with your insurance agent can help you determine if you are overpaying for insurance you do not need or under-insured, risking coming up short in the event of a disaster.

Homeowners Insurance Policy

CBS News reports 59 percent of homeowners in America are underinsured. As the real estate market fluctuates, it is important to know the updated value of your home. That is the starting point for determining the amount of homeowners insurance you desire. “A policy based on your mortgage may not cover the cost of rebuilding your home if disaster occurs,” reports Buck with GreatFlorida Insurance.

Most homeowners want a policy that will cover the costs of rebuilding their home with the current quality of materials or replacing their home of similar value. Without an annual update to your homeowners policy you could become a victim of depreciation and receive only a percentage of what it would cost to rebuild or replace your dwelling. Other factors that can change the price of your home include, adding a swimming pool, a home addition, electrical upgrades and renovations. These should be reflected in your homeowners insurance. Also, consider additional coverage for newly acquired electronics, jewelry or other costly belongings.

However, there are discounts available for homeowners. “Some home renovations can qualify you for a discount on your premium,” reminds Buck with GreatFlorida Insurance. These can include, an updated roof, the addition of hurricane shutters or impact windows, as well as modernizing the home’s electrical and plumbing. The installation of a monitored alarm system, smoke detectors, or the adding of deadbolt locks can also save you money. Furthermore, maintaining good credit could qualify you for an additional savings program with your insurer.

If life changes include divorce, make sure it is reflected on the homeowners policy. If not, you and your former spouse will both be liable for damages or injuries sustained on the property. In the unfortunate event of the death of a spouse, you might decide to add or reduce the amount of coverage on your homeowners policy.

Umbrella/Liability Insurance

Maybe 2017 brought additional prosperity and your assets have significantly increased. You might want to consider increasing the amount of your umbrella policy. Auto insurance and homeowners insurance only provide basic liability coverage. While an umbrella policy is not reserved for the wealthy, personal and financial obligations can also cause you to review and make changes to your policy. Financial website, Money Crashers points out, owning a swimming pool, dog or gun, can increase the risk of accidents that could lead to a lawsuit.

Auto Insurance Policy

If a driver on your  auto policy has increased traveling you might consider adding emergency roadside assistance to your policy. However, review for an overlap in auto insurance coverage. You do not need emergency roadside assistance coverage if you are a member of AAA.

If someone in your home has recently attended a driver’s education class or your vehicles have been accident free, most insurance companies will qualify you for a discount. Inquire about other new “good driver” programs your insurance company offers. A new car or teen driver could have you wanting to increase comprehensive and collision. However, Once you have paid your vehicle off you may want to consider dropping collision to save money.

Boat Insurance

Think about purchasing additional boat insurance if you have recently purchased fishing or diving equipment. Also, if you are towing your boat more often, make sure you have comprehensive and collision in case your boat is involved in an accident out of the water.

Talk to your GreatFlorida Insurance agent to see if you are a member of affiliations that qualify you for a discount. They can be through universities, firefighting or as a member of AARP.

 

The post Are you adequately insured? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
12/6/2017

November 30, marked the end of an extremely destructive, 2017 hurricane season. While totals are still being calculated, estimates currently put damages at $200 billion.

The Federal Emergency Management Agency (FEMA) reported to The Orlando Sentinel that 432,286 renters applied for aid in Florida during October. FEMA does not pay what is covered by insurance, however they try to help the uninsured and underinsured. Keep in mind, they do not cover all damages.

“Renters are less likely than homeowners to insure their belongings,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent renters insurance company.

Most landlords in Florida, do not require renters to carry insurance. The Insurance Information Institute found only 41 percent of renters said they had renters insurance.

“There is a misconception that the landlord is accountable for personal liability issues, but a landlord’s insurance often covers just the structure, not personal property or personal liability,” says Buck with GreatFlorida Insurance, Florida’s top independent renters insurance company.

Renters insurance offers protection for personal belongings that could be damaged by a fire, water issue or storm. It also includes reimbursement for items stolen from home or lost, as well as incidents that are the renters responsibility.

Also, renters insurance will pay out money to replace furniture, clothes, kitchen appliances, electronics, laptop, paddle board, jewelry and more.  You do not have to own a lot to justify a renter’s policy. It could be a specific item such as a bike, engagement ring, musical instrument or collection that is the motivation for coverage.

If an injury occurs in a rental property or even the rental property yard or driveway, the renter can be held responsible for the victim’s medical bills. A renters insurance policy can also provide money for temporary housing. If a rental property is damaged from fire or water, a renters policy will cover hotel expenses while repairs are made.

Renters insurance offers a lot of benefits for a small amount. The average renter’s policy ranges from $15 to $30 a month, offering peace of mind for the price of lunch.

Before purchasing renter’s coverage, inquire with your rental company or landlord to see what their policy will cover. Next, take inventory of your possessions and determine a level of protection that makes you feel comfortable. An experienced agent at GreatFlorida Insurance.  They can guide you through the process to make sure you purchase enough coverage to protect your belongings without paying for overlapping and unnecessary coverage. Give us a call today.

The post Hurricane exposes insurance gap appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
11/28/2017

“Nothing brings on the holiday cheer better than creating a festive environment at home,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance provider.

Whether you are hanging your favorite decorations on the tree, or preparing for an inflatable Santa Clause takeover in your front yard, GreatFlorida Insurance has tips for keeping your holiday decorating safe while spreading joy.

Christmas Trees

According to the National Fire Protection Association (NFPA), Christmas trees are responsible for $16.2 million in direct property damage annually.  NFPA makes some recommendations to keep your Christmas tree safe and enjoyable.

When purchasing an artificial tree look for the “fire resistant” label. While fire risks are lowered with an artificial tree, chemicals and dust on the tree can still pose a fire hazard.

Pick a tree with fresh, green needles that do not fall off when touched.

Before placing the tree in a stand, cut off 2 inches from the base of the trunk for better water absorption.

Be sure to add water daily and keep your tree hydrated.

Keep your Christmas tree a minimum of 3 feet from any heat source including, the fireplace, radiator, heat vent or candles.

Holiday Décor/ Lights

The Electrical Safety Foundation International (ESFi), found more than 86 percent of Americans decorate their homes during the winter holidays.  Over 1,000 fires are attributed to Christmas trees and holiday decorations every year. Don’t let your home be a casualty.

Inspect your lights and discard any that are damaged or frayed and worn out.

Turn off lights and decorations when you are going to bed or leaving the house for an extended length of time. Using a timer helps.

Make sure cords are not pinched in doors, windows or under heavy furniture, which could damage the cord’s insulation.

Secure inflatable décor properly.

Use lights approved by a nationally recognized testing laboratory such as Underwriters Laboratory (UL). You will find a holographic sticker marked “UL” on the tag.

“A red UL sticker indicates indoor/outdoor use. A green UL sticker signifies indoor use only,” reminds Buck with GreatFlorida Insurance, Florida’s top independent homeowners insurance provider.

Avoid hammering tacks or nails into the electrical cord when hanging lights, use clips instead to safely attach lights to the house.

Don’t overload extension cords by using no more than three sets of standard lights per cord.

Plug outdoor lights and décor into circuits protected by ground fault circuit interrupters (GFCIs) to prevent shock.

Shut-off fan blowers on inflatables when it is windy.

Periodically check lights and decorations during the holiday season to make sure they are functioning properly and safely.

Falls

Using ladders, stools and other furniture to hang lights, ornaments and other decorations increase their risk of injuries and falls during the holiday season, according to the Centers for Disease Control and Prevention (CDC).

Recognize the possibility that you could fall.

Use safe ladder practices such as making sure the ladder is secure and level.

Make sure the ladder extends at least three feet over the roof line or work area.

Try using a step stool instead of furniture when hanging decorations.

Place cords in low-traffic areas to prevent tripping.

 

 

The post Prevent your home from being a holiday liability appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
11/21/2017

Thanksgiving is about family, food and gratitude. It is a day of celebration and cheer. Plenty of time is spent in the kitchen laboring over family recipes or just heating up the goodies you picked-up from Publix. With all the chopping, basting, shredding and baking, hazards are abundant in the kitchen.

Federal agency, the U.S. Fire Administration (USFA), reports that kitchen fires double on Thanksgiving Day compared to any other day of the year. Nearly 2,000 kitchen fires occur on Thanksgiving with approximately $21 million dollars in property damage.

“It is easy to get focused on food preparation and overlook maintaining a safe environment in the kitchen,” said Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

In the Kitchen

Cooking is the primary source of kitchen fires and injuries in the home. Fortunately, most fires can be put out with quick action from a host or house guest. However, if a fire is difficult for you to control, immediately call 911.

Before getting started, make sure your oven, burners and stove are clean and free of grease and food build-up.

Unattended cooking is the number one cause of kitchen fires, stay by your pan.

To prevent spills and burns be sure to turn handles inward, toward the back of the stove.

Make the area in front of the stove a “no zone” for kids. Be sure to keep a clear path where hot liquids are traveling.

While cooking, wear short sleeves or roll up your sleeves. Clothing is easily ignited.

Keep kitchen clutter such as, pot holders, towels and food wrapping away from the stove.

Have a pan lid or cookie sheet nearby to cover a small stove fire.

If a fire occurs in the oven, turn off the heat and keep the oven door closed.

When cutting, always cut on a stable surface and never cut food in your hand. If a knife falls from your hand or the counter, do not attempt to catch it, step back and let it fall on the floor.

“Cooking a Thanksgiving meal is a big undertaking. Taking time to follow safety guidelines will provide you with a successful feast,” says Buck With GreatFlorida Insurance, Florida’s top independent homeowners insurance agency.

Food Safety

Salmonella and Campylobacter can really ruin the Thanksgiving festivities. Properly handling, preparing and cooking your food can prevent foodborne illnesses.

Wash your hands not your turkey. This is the best way to avoid spreading bacteria. The U.S. Department of Agriculture (USDA) reports 68 percent of consumers wash poultry in the sink. This can splash bacteria around your kitchen up to 3 feet away, contaminating surfaces and anything else in the area.

Use a food thermometer for your turkey. Cook it to at least 165 degrees.

Properly thaw your turkey. Allocate 24 hours per 5 pounds for defrosting in the refrigerator.

Make sure to wash all produce.

“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,” Ellsworth Buck, Vice President of GreatFlorida Insurance.

The post Avoid a Thanksgiving disaster appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
11/15/2017

Most consumers plan to spend their money online over the holidays. In their, “2017 Annual Holiday Survey,” independent research company, Deloitte, reveals 51 percent of people surveyed will opt for shopping online over shopping in-store this holiday season. This is the first-time holiday spending online will exceed brick and mortar store spending.

“It’s hard to beat the convenience of online shopping,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

By shopping online, consumers can avoid the chaos of malls and crowded stores. The frustration of parking and they are not restricted by store hours. Also, shopping online offers loads of great deals, unique finds and plenty of inventory.

With the increase of online spending comes a higher risk of becoming a cybercrime victim. So, here are some ways to avoid online threats this holiday season.

Use a secure internet connection when making a purchase. Avoid making purchases on a public wi-fi connection.

Make sure the website is secure. Look for the little padlock icon in the address bar or a URL that starts with “https” instead of “http,” the “s” stands for secure.

Check for well-known security labels such as DigiCert, VeriSign and other seals.

Create strong passwords. USA Today explains, “Many opt for a passphrase instead of a password, which is typically a long sequence of strung-together words, but perhaps with a number and symbol in there too. For example, the sentence “My dog Eddie has a birthday May 15!” could be used to create a passphrase like “Md3habM15!

Make sure to change your password on a regular basis or after a data breach with an online retailer.

Shop using a credit card. Credit card companies offer consumer protection policies making it easier to dispute fraudulent charges.

“If you are making a lot of purchases, it is good to regularly review your bank and credit card account statements for discrepancies,” says Buck with GreatFlorida Insurance, Florida’s leading independent homeowners insurance company.

Use common sense and avoid a deal “too good to be true.”

Buy from trusted sources, shop from brands and sources you are familiar with using.

Be a savvy shopper and read the fine print for return policies.

Beware of phishing scams. A popular one this time of year is an email claiming to be from a package delivery service including links to tracking information. Clinking on the links can put you at risk for malware or identity theft.

“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,” Ellsworth Buck, Vice President of GreatFlorida Insurance.

The post Online Shopping Protection appeared first on The GreatFlorida Insurance Blog.