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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

3 Tips for Protecting your Home Before Departing on Vacation

Summer has arrived, a time when many families take their summer vacations. Whether you are gone for a night or a month, it is important you take steps to protect your home while away. The summer months are some of the most common months for home burglaries. Taking a few steps to secure your home before departing can make all the difference. Consider these three tips:   Lock up: In the rush of getting out the door in time, many families forget to check every room and window to make sure all areas of their home are secured. Before you depart, take a few moments to set your home security systems and double check all the doors and windows are closed and locked.   Trust in a friend or neighbor:  Nothing says, “nobody’s home” more than mail piling up in your mailbox or by your front door. Have a trusted neighbor or friend nearby keep an eye on your home and collect your mail while you are away.  Should you be gone for an extended period of time, you may w ...

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Preparing for the 2019 Hurricane Season

The 2019 Hurricane Season has officially begun. Unfortunately, over the past few years, we have seen it can only take one storm to cause devastating destruction and millions in damages. As such, it is important you take the proper steps to prepare before a storm is on the horizon. Please take these tips into consideration to reduce your risk of harm, property damage and may accelerate the recovery process should the unexpected occur.   Review your Insurance Policy: Do not wait until you file a claim to learn you may not have adequate coverage. Read your policy thoroughly to understand the coverages you have purchased and determine if you need to make changes to your policy. Should you have any questions or concerns, contact your agent, or call our customer service department at 877-229-2244.   Stock up on Supplies: When a hurricane is on the horizon, mass panic and chaos can ensue in local grocery and supply stores and necessary provisions and supplies are the first to fly off the shel ...

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3 Safety Tips for National Water Safety Month

Water safety should be a top priority for your entire family. Please keep these tips in mind before you take a dip this summer:

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Understanding Liability Coverage

Here is some important information about liability coverage to help you better understand what is covered within your homeowners insurance policy.

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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.  As a responsible homeowner, safe digging should be a top priority. 

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Three Reasons Why You Need a Flood Preparedness Plan

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.

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Protecting Your Home from a Brush Fire

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.

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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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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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Saving Money: Security

If you have ever wanted to find ways to lower your home insurance premium or find additional discounts to your premium, consider adding additional security to your home. All insurance policies are different so be sure to speak to your agent about the cost-effectiveness of installing one of these devices in your home. However, consider the following to potentially save money and protect yourself and your belongings. Smoke Alarm: Adding a device which can alert you of some potential dangers such as a fire or a dangerous gas, can keep you safe. This alarm will let you and all others in the house know when there is a risk and allow time for you and your family to evacuate safely. Security System: Burglaries can happen anywhere and at any time. By installing a monitored security system, you can add to your peace of mind. A monitored security system allows for the alarm to go off for a longer period of time while officers arrive at your home. Installing this may not only keep your family and p ...

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