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Helpful tips, advice, information and fun facts on topics including safety, maintenance and homeowners insurance.
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From category archives: Florida Peninsula

Understanding Liability Coverage

Accidents happen, which is why liability coverage is a component of your homeowners insurance policy. Understanding what is covered within your homeowners insurance policy will provide you with the peace of mind you need in case the unexpected occurs. Here is some important information about liability coverage to help you better understand what is covered within your homeowners insurance policy:   Personal Liability coverage provides financial protection for you and your family should the unexpected occur. This portion of your policy will cover you and/or others covered by your policy against lawsuits from injuries to another, or damage to someone else’s property in which you are legally liable for. The main purpose of personal liability coverage is to protect your assets.   It is important you read your insurance policy to see what is excluded and what is covered. Florida Peninsula offers increased coverages for personal liability under our premier packages. Should you have any que ...

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April is Safe Digging Month

    April is National Safe Digging Month, reminding Florida residents to call 811 before planning any digging projects. With the arrival of Spring, many homeowners use this time of year to update their landscape by planting flowers and trees around their homes. As a responsible homeowner, safe digging should be a top priority.    According to research conducted by the Common Ground Alliance (CGA), roughly 42 percent of homeowners will not call 811 before starting a digging project on their property. Digging without knowing where underground utilities are located can result in services such as gas, water and sewer, communications, and gas lines becoming disrupted or turned off to your home and community. Just one dig in the wrong place cannot only cause issues for you and your neighbors but could result in serious injury. Here are some tips to consider before you start your next digging project:   -   Call 811 a couple of days before digging, regardless of the s ...

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Three Reasons Why You Need a Flood Preparedness Plan

Floods can occur at any time, and with arrival of Spring, the chances of rain are increased. Flooding is completely unpredictable and can cause billions in damages. You do not have to live in a flood zone to experience flooding. In fact, 20 percent of all flood claims are filed from homes located outside a high-risk flood zone, according to floodsmart.gov. The safety of your family and the protection of your home should be your priority in the event a flood occurs. Therefore, it is essential you and your family have a flood preparedness plan in place. Here are three reasons why you need to have a flood preparedness plan:   Floods can occur at anytime and anywhere Although “April showers may bring May flowers”, flooding can occur at any time of the year. Flooding can occur for several reasons, including storm surge from hurricanes and tropical storms, river overflow, or heavy rainfall. It can only take one heavy rainfall to cause serious damage to your home. Just an inch of floo ...

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Protecting Your Home from a Brush Fire

Thousands of acres of land and homes are destroyed each year in Florida from brush fires. Although brush fires can occur at any time, they are more common during the drier months of the year, making the official brush fire season from late February through May. Brush and wildfires can occur for many reasons including, lightning, controlled burning, arson, and accidents like a campfire or a lit cigarette. Over the years we have seen an increased risk of wildfires in Florida. Although no home is fire-proof, there are steps you can take to protect your property from a brush fire. Here are a few tips:   Remove any dried or dead vegetation from your property. Keep up with lawn maintenance by mowing and irrigating regularly. Clear your gutters, eaves, and roof of debris. Keep flammable liquids in a safe location. Landscape your property with fire-resistant plants.   We hope you take these tips into consideration before a brush fire threaten ...

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Time to Spring Forward for Daylight Saving Time

On March 10th, at 2:00 am, the clocks will spring forward 1 hour to start Daylight Saving Time. Although most clocks, phones and digital watches will automatically change to reflect the new time, don’t forget to change your analog clocks, as well as those found on your appliances and in your car.  Springing forward one hour means we will lose an hour of sleep. According to the Cleveland Clinic, it can take our bodies about a week to fully adjust to the new time. Here are a few tips to make adjusting to the new time a little easier: Go to sleep a little earlier than usual to help your body adjust to the time change. Don’t forget to set your alarms, as your body’s clock may be a bit off. Try to maintain your daily schedule as best as possible by staying consistent with your eating, exercising, bed and social times. Try to cut your caffeine intake in the afternoon and evening to help you fall asleep quicker. Be sure to stay alert o ...

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Are My Personal Possessions Covered?

  Over the years we accumulate lots of personal belongings. These belongings can include furniture, clothing, sports equipment, and jewelry.  Your personal possessions are likely to be worth more than you may think, and should they become lost, stolen, or damaged, you will want to make sure you have enough coverage to help replace them. This coverage is known as Coverage C.   Before you experience a loss to your personal property, it is highly recommended to create a home inventory of your personal belongings in the event you should need to file a claim. The Washington Post reports only 44% of homeowners have taken the time to create an inventory of their belongings. Although creating an inventory of all your belongings can seem like quite a daunting task, it can be quite simple. Start by listing your items, their estimated value, and their make and model numbers if applicable. Update your inventory annually to add or remove items as necessary.   Should you have items of hig ...

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Simple Backyard Improvement Tips

Cooler months in Florida are rare therefore, we must take advantage of this time to work on the outside of our homes. Changing the landscaping of your home can give your home and property an updated and fresh look for the new year. Small changes made now, will allow you to enjoy your back yard once the temperatures rise to enjoy entertaining your family and friends outdoors.   Believe it or not, a small backyard can be made to feel larger by dividing the area into two distinct spaces. Experts say adding a simple wall such as trellises or a vine-covered wooden space will allow you to separate the space into two. If your space allows for two areas, it MUST be big. Place your BBQ grill on one side and create a relaxing area away from the grill with lounge chairs and side tables to enjoy your meals with family and friends in a “different” area.   When you can’t go sideways, go up! Consider adding accents to your backyard space such as gazebos, oversized tall planters, or a ...

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Home Check-Up Tips

Just as you have resolved to start the New Year in a healthier state, your home may also need its own health check-up. Take this time at the beginning of the year, to review some areas of your home, which may assist your home to run smoother and more efficiently. Here are three places to start your home health checkup.   1)   Change your incandescent bulbs to LEDs or CFLs.  If you still have incandescent bulbs in your home, consider making 2019 the year you update them to LEDs or CFLs. Although slightly more expensive, LED lights last 10 times longer than incandescent bulbs and use less than half of the electricity to brighten your house.  In the long run, you will save money on bulbs, your electric bill, and your home will be the brightest on the block.   2)   Take a good look and listen to your water heater.  Most people do not consider this important appliance until you step into a cold shower.  Make a resolution to flush out your water heater.& ...

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Tips to Take the Stress out of Painting

  One of the easiest ways to give your home a fresh new updated look for the new year is with a fresh coat of paint. All the color options, techniques, and equipment available at your local hardware store may seem intimidating, but it doesn't have to be stressful. Painting can be fun! Consider some of these tips to make your painting experience fun and exciting.     Picking your paint and finish Choosing the right paint for your room may depend on the features of the room such as size, focal point, etc.  To make a room look larger than it is, consider painting the room in light colors such as cream or white. Should you choose pastel colors, blues and greens tend to work best in small spaces.  Select furnishings for the room in a similar color as minimizing contrasting colors add to the perceived image of a room.  Should you want a darker color, select paint with a high gloss finish. The shine provided by this type of paint will reflect light and add to the overall look o ...

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Saving Money: Updates & Repairs

  As the new year begins, you may be evaluating different home improvement opportunities around your home.  When reviewing your home for needed repairs, upgrades, and yearly maintenance; also take some time to speak to your agent about your current homeowners policy, the carriers underwriting guidelines, and how you can increase your peace of mind while, possibly, lowering your premium.  Sometimes things which seem fine to the homeowner may be considered potential hazards to insurance companies. Here are some items to consider:  Roof: If your roof is older it has experienced more wear and tear than newer roofs. Thus, older roofs are more likely to have leaks during a rainstorm. They might even blow off during powerful tornados or hurricanes. Consider replacing your roof after approximately 15 years if a shingle roof or 25 years if a tile roof, the general lifespan of roofs. Maintaining your roof in good condition may help avoid severe damage to your home should a covered loss ...

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