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Helpful tips, advice, information and fun facts on topics including safety, maintenance and homeowners insurance.
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Renter’s Insurance for Your College Student Living Off-Campus

When preparing your children for college, you may be contemplating what classes they will be taking more than thinking about insurance. If you are leasing an off-campus apartment for your college student, it is important you protect their possessions. In college, many students bring very expensive belongings with them such as their electronics, furniture, clothing and other valuables. You may think your homeowner’s insurance policy will cover a college student’s belongings who live off-campus. However, homeowner’s insurance policies usually do not cover belongings, which is why it is essential to purchase a renter’s insurance policy.   Renter’s Insurance usually includes:   1.    Personal Belongings Coverage: Coverage for student’s belongings if they are stolen or damaged. 2.    Liability Coverage: If the student is found legally responsible for someone else’s injuries or accidental damage to their property includin ...

Beat the Heat of the Summer

Living in Florida, we are no strangers to the heat. However, the heat and humidity tend to rise over the summer months. Florida’s temperatures in 2017 were the hottest on record in Florida.  In fact, Orlando has experienced record-breaking temperatures for the past three years, according to Orlando Sentinel. Florida’s heat and humidity can be dangerous, and even deadly if you do not take proper precautions. As temperatures begin to climb, consider these 5 tips to beat the heat this summer: 1.    Stay out of the heat: Try to stay indoors and avoid strenuous activities during the heat of the day.   2.    Drink plenty of water: Although it is important to stay hydrated all through the year, be sure to drink lots of water during the summer months. Should you experience any dizziness, cramps, or nausea due to the heat, replenish with some sports drinks containing electrolytes to help relieve those symptoms.  3.    Keep it cool: ...

Fourth of July Safety Tips

  Fourth of July is right around the corner, and time to sport your red, white, and blue.  It is also time to refresh your memory on different safety tips.  Between the fireworks, grilling, and the beach, Fourth of July is one of the most enjoyable holidays of the year, but it is also one of the most dangerous.  Here are some safety tips on fireworks, grilling, and beach/water activities: Fireworks Safety Stay at least 500 feet away from firework shows If you are setting off fireworks at home: Never give fireworks to small children Keep a supply of water nearby Light each firework separately Store fireworks away from children and pets Grilling Safety  Never grill indoors Use long-handled tools Avoid loose clothing, which can catch fire Beach/Water Activity Safety Have young kids and inexperienced swimmers wear a Coast Guard-approved life jacket when on or near the water Do not dive headfirst ...

UV Safety Awareness Month: UV Protection Guidelines

July is UV Safety Awareness Month, a time to spread awareness on the importance of protecting yourself and your family from the harmful effects on the sun’s UV rays.  According to the Skin Cancer Foundation, more people have been diagnosed with skin cancer each year in the United States than all other cancers combined. In Florida, Jefferson County has the 7th highest rate of melanoma diagnoses among all counties in the U.S. Which is 135% higher than the national average from 2002-2006, according to the EPA.  Taking steps to avoid sun damage and skin cancer can be easy if you follow these safety guidelines:   Seek shade when between 10 am to 4 pm, as the sun's glare is the most intense within those hours.   If you are planning an outdoor activity, bring an umbrella or tent to protect your skin from burning in the sun. Use a broad-spectrum (UVA/UVB) sunscreen with an SPF of 15 or higher every day. For extended outdoor activity, and especially ...

Hurricane Season 2018: Are You Prepared?

The best way to ensure your family’s safety for the arrival of the 2018 Atlantic Hurricane Season is to prepare for the worst. After last year’s record-breaking hurricane season, it is important to be as prepared as possible. Here are some ways you can prepare yourself, home, and your family for the 2018 Atlantic Hurricane Season: Supplies: When a hurricane strikes, you will not have access to many of the things you will need to survive, or the freedom to go out and buy them. While under the threat of a hurricane, people will follow the same thought process and search for common items. It is best to gather your hurricane supplies months before the season arrives. Here is a basic list of things you will need. Apart from this list, you should consider additional items such as toys for your children and games the entire family can enjoy to help the time go by.   Evacuation Plan: Your hurricane supplies should be packed in backpacks in case your family is ...

Revisiting AOB Fraud Ahead of the 2018 Hurricane Season

After the chaos of a natural disaster like a hurricane or tropical storm, it is common for unscrupulous individuals to create fraudulent schemes to pray on those experiencing a loss. As such, Florida Peninsula Insurance Company would like to provide some important information about AOB abuse well before the 2018 Hurricane Season is in full effect.   What is an AOB and AOB Fraud? An AOB (Assignment of Benefits) is a contract between you and a third party such as a contractor, roofer, or water mitigation company. When you sign an AOB, you are giving the third-party vendor the right to deal directly with your homeowners insurance carrier and receive payment for your claim. AOB fraud occurs when contractors inflate the cost of repairs, charge a fee for handling the claim, and commit insurance fraud. At times, these repairs are not completed and the homeowner must pay out of pocket to finish their repairs, as the contractor already received a claim settlement from the insurance company.   W ...

May is National Water Safety Month

In honor of National Water Safety Month, Florida Peninsula would like to share a few water safety tips for you and your family.

Diving Safety for the Summer

Diving and swimming-related injuries are most common among teens and young adults, especially during the summer months. Be sure you and your family consider these three precautions before diving.

Beach Safety Tips for the Summer

Before heading out on your next beach day, here are 5 things to consider when making safety a top priority.

Is Your Home at Risk of Flood Damage?

Find out if you need flood insurance.