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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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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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Fire Safety for the Holidays

The holidays are a time to create memories with family and friends, however, you do not want your holiday season to be memorable for the wrong reasons. Household fires during the holiday season are more frequent, deadly, and costly than any other time of the year. To ensure a safe holiday season for all, keep these tips in mind: Cooking Holiday celebrations are not complete without a delicious feast; however, it is important you take precautions against cooking fires. Keep flammable items away from the stove, oven or other conductible appliances, and never leave a hot stove or oven unattended. Decorations Holiday decorations and string lights can be dangerous if not assembled or used properly. Be sure to inspect your string lights and throw out any with any cracked bulbs or frayed wires. For all electric decorations, be sure to not overload extension cords and turn off all lights and decorations before leaving your home or going to sleep. Also, consider purchasing decorations which ...

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Blast into the New Year Safely

New Year’s Eve is a popular day for fireworks displays, as everyone enjoys blasting off into the new year. As fun as setting off your own fireworks display can be, it could easily become dangerous should safety precautions not be in place. Fireworks used incorrectly can lead to some serious injuries. In preparation for your upcoming New Year’s celebrations, Florida Peninsula would like to share the following fireworks safety tips: Obey your local laws. If fireworks are illegal where you live, do not use them. Designate a responsible adult to set off fireworks. Always place fireworks on a level non-flammable surface. Shoot fireworks off in an open area, away from spectators and flammable materials. Do not point or throw fireworks at another person. Adults should supervise young children around fireworks and sparklers. Avoid re-lighting or pick ...

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7 Cooking Safety Tips for Thanksgiving

  Thanksgiving is a time to enjoy your family, friends, and a delicious feast. A Thanksgiving meal can be a lot of work for a host, and if proper cooking safety precautions are not in place, a day of thanks can turn into a disaster.  According to the National Fire Protection Association (NFPA), Thanksgiving is the peak day for home cooking fires. To ensure a fulfilling and safe thanksgiving for you and your guests, we would like to remind you of these cooking safety tips:   Never leave the kitchen unattended when you are cooking, and always keep an eye on your food. Stay at home while cooking your turkey and other meals in the oven and check them frequently. Keep children and pets away from hot appliances, foods, and liquids.  Should you be deep frying your turkey, be sure your fryer is used outdoors and away from buildings and flammable materials. After working with raw poultry and meat, be sure to wash your hands and works surfaces. Cook turkeys ...

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