GreatFlorida Insurance - Kristin Asbury - Indian Rocks Insurance

Umbrella Insurance Quotes in Indian Rocks, FL

Kristin Asbury, Agent

727-595-6000

12998 Walsingham Rd
Largo, FL  33774
Fax : 727-595-6008

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Umbrella Insurance Indian RocksUmbrella 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 Indian Rocks.

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 Indian RocksCover 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 Indian Rocks for your free quote today by calling 727-595-6000 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 727-595-6000 or complete our online quote request form. A GreatFlorida Umbrella Insurance Agent in Indian Rocks will help you find the best deal for you.

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Florida Umbrella  Insurance Blog
by GreatFlorida Insurance
4/17/2019

Over the weekend, 13 people were rescued after a pontoon boat capsized off the coast of Anclote Key. Thankfully, everyone was all right.

Capsizing happens when a boat turns on its side or completely over in the water. “It can happen to anyone on the water, even the most experienced boaters,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent boat insurance agency.

While it is more common among smaller vessels, even large ones can flip. If the conditions are right, any boat can capsize.

It is best to be safe and prepared before going out on the water. Below are some tips to follow if you find yourself in the water unexpectedly.

Drowning is the biggest concern. If you do not have on a life vest, look for flotation objects such as seat cushions and coolers. Realworldsurvior.com even recommends stuffing empty plastic bottles inside your shirt. This will help you stay afloat, which conserves energy.

Always stay with the boat. “You are much easier to see with a boat,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent boat insurance agency.

Boating magazine says, to retrieve as many supplies as possible, such as flares and extra flotation devices. Find anything that floats and tether it to the boat to create a bigger target or release it into the water to create a debris field, which also helps spotters.

A good practice before you head out onto the water, tell at least one person on shore where you are going and when you plan to return. They can alert the authorities if you have not returned around your designated time.

GreatFlorida Insurance offers boat insurance on a wide variety of boats from yachts, to Jet Skis. Additional coverage is available for fishing equipment and injury caused by an uninsured boater. Call 888-478-7801 or go online to www.greatflorida.com for a free quote. A local insurance agent will help you find affordable boat insurance to suit your needs.

The post Surviving a Capsized Boat appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
4/10/2019

Millions of households across the U.S. own a dog. The American Veterinary Medical Association (AVMA) reminds us, any dog can bite, if provoked. Half of all dog bites involve a dog owned by the victim’s family or neighbor.

Approximately, 4 million Americans are bitten by dogs each year, according to the American Academy of Family Physicians (AAFP). They also report, about 800,000 require medical attention. Children are usually the victims, 44 percent are under 14 years-old.

“In Florida, if your dog bites someone even if it is a first-time occurrence, the owner is held liable,” reports Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent homeowners insurance agency. Florida is a “strict liability” state regarding dog bites. This means a dog owner is liable for any damage to a person, even a non-bite injury.

A report by the Insurance Information Institute (III), reveals, Florida had 1,281 dog bites or other dog related injury claims last year, second only to California. Over $56 million was paid out in Florida with the average cost per claim being $43,893.

The report also notes a trend in higher costs per claim being attributable not only to dog bites but also to dogs knocking down children, cyclists, the elderly, etc., which can result in injuries that impact the potential severity of the losses.

Dog bites and other dog related injuries accounted for nearly a third of the money paid out in 2018 for homeowner liability claims, totaling $675 million nationally.

Homeowners insurance and renter’s insurance policies generally cover dog bite liability legal expenses,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Each insurer is responsible for checking into their liability limits. The dog owner is responsible for damages that exceed claim limits.

Whether you own or rent your home, insurance should be a priority to protect your family and belongings. GreatFlorida Insurance works with reputable insurance companies to provide dependable homeowners insurance and renters insurance at affordable prices. For more information go online to www.greatflorida.com or call us today.

The post Florida Ranks Among the Top for Dog Bites appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
4/3/2019

“Proper disposal of medications can prevent drug addiction and overdose deaths,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent health insurance agency.

According to the 2016 National Survey on Drug Use and Health, most abused prescription drugs were obtained from family and friends. They usually come from the home medicine cabinet.

The best way to dispose of expired or unused medication is through the Drug Enforcement Administration (DEA) sponsored, National Prescription Drug Take Back Day. They seek to provide an anonymous, convenient and responsible means of disposing of prescription drugs. Saturday, April 27, will be the next National Prescription Drug Take Back Day.

The DEA reports, the last take back day brought in more than 900,000 pounds of unused or expired medication.

Responsibly getting rid of unwanted medications can protect you, your family and the environment, reports the Environmental Protection Agency (EPA).

  • It prevents the poisoning of children and pets.
  • Deters misuse by teens and adults.
  • Avoids health problems associated with taking the wrong medicine, or medicine that is too old and no longer effective.
  • Keeps medicines from entering streams and rivers.

In homes that use septic tanks, prescription and OTC drugs flushed can leach into the groundwater. In areas with wastewater treatment plants, prescription and OTC drugs poured down the sink or flushed can pass through the treatment system and enter rivers and lakes. They may flow downstream to serve as sources for community drinking water supplies. Water treatment plants are generally not equipped to routinely remove medicines.

However, the Food and Drug Administration still recommends flushing Oxycodone, Fentanyl, and a couple of dozen other drugs, so they cannot be fished out of the trash.

“Those medications are considered a lethal threat to others,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent health insurance agency.

The following link provides a  list of medications to be flushed.

If you cannot make it to the next National Prescription Drug Take Back Day, some Walgreens and CVS locations, have a kiosk to dispose of unwanted medications.

To dispose of medications at home, use the following instructions:

  • Mix medicines (do not crush tablets or capsules) with an unpalatable substance such as dirt, cat litter, or used coffee grounds
  • Place the mixture in a container such as a sealed plastic bag
  • Throw the container in your household trash
  • Delete all personal information on the prescription label of empty pill bottles or medicine packaging, then dispose of the container.

GreatFlorida Insurance has experienced agents that can offer you and your family quality health insurance policies to fit your needs. Call us at 888-478-7801 or go online to www.greatflorida.com for a free quote today.

 

The post Medicine Disposal appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
3/27/2019

“Towing a boat may seem simple but it requires more than getting a trailer and hitch,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent boat insurance agency.

Improper towing can lead to tipping, unattached cargo and cause serious damage to suspension and braking systems as well as strain to your engine and transmission.

Make sure to avoid common boat towing mistakes before hitting the road. Below are tips from goboatingflorida.com.

Disconnected brake lights

Always check the electrical connector to make sure your brake lights, taillights and turn signals are all working. Have someone behind the boat while you tap the brakes and use turn signals to make sure they are working. Keep an extra trailer light bulb in your vehicle in case the light goes out. Keeping the electrical wires taut at the right length will stop them from dragging on the ground and disconnecting during turns.

Forgetting about what’s in tow

No matter how strong your tow vehicle is, it will be less responsive once a trailer is behind it. You won’t be able to accelerate, turn or brake as fast, so be sure to look up the road and give yourself extra time and space to change lanes or slow down.

“It’s a good idea to take a practice run before you hit the road,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent boat insurance agency.

Ignoring your vehicles tow specs

Before you plan a trip, it’s crucial to know how much your vehicle is rated to tow. Don’t forget it isn’t just about how much your boat weighs, it also includes how much gear and fuel you have inside the boat. Even if you’ve checked the weight limit, always keep an eye on your tire pressure and temperature gauge. Installing a weight distribution bar system can help smooth out the ride and properly tow up to your vehicle’s max capacity. It’s natural to assume that bigger is better but check your tongue weight before purchasing the bars. When you’ve set this up properly the load bars will be parallel with the frame of the trailer. If you notice excessive bouncing between your vehicle and trailer, your setup may be incorrect.

Using the wrong size ball hitch

It’s important to use the properly rated hitch ball for your towing system. Boat supply store, West Marine, explains, “The coupler mounts and locks on top of the hitch ball and articulates around the hitch ball. Recreational and light commercial hitch balls come in a variety of sizes including 1 7/8″, 2″, 2 5/16″ and infrequently, 3″. Lighter trailers generally use smaller hitch balls. The diameter of hitch balls is fairly standard, but shank diameters and the hitch ball weight ratings may differ. The rating of the hitch ball is just as important as the receiver hitch rating.”

Failing to secure gear

Make sure to secure fishing and ski equipment, life vests, seat cushions and coolers before heading out. Fasten down anything vulnerable to blowing out of your boat while traveling down the road.

Contact GreatFlorida Insurance today to get a quote for boat insurance today. Our offices are located throughout Florida for your convenience.

The post Common Boat Towing Errors appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
3/20/2019

Maintaining your car can require a lot of time and money. “Regular maintenance of your car can save you bigger car problems in the future” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s biggest independent car insurance agency.

In fact, AAA reports that most roadside trouble is a result of neglect from car owners failing to perform basic maintenance tasks. While some jobs are better left to the professionals, listed below are some simple and affordable tasks you can handle on your own.

Jump start your car

It can happen when you are on your way out, your battery is drained because you left on the lights. Simply jumping your car can get you back on the road.  It’s quick and easy. All you need is another vehicle and jumper cables. To start, turn off the engine on both cars. Grab jumper cables. Connect the positive (red) clamps to the positive terminal, one on each car battery. Throughout this process, do not let the jumper leads come into contact. Attach one negative (black) clamp to the negative terminal of the working car. Attach the other black clamp to an unpainted metal surface on your car that isn’t near the battery. Start the engine of the working car and wait five minutes. Then start your car. Do not turn off your engine.

Replace windshield wiper blades

Wipers should be replaced every six to eight months. You can pick them up at an auto parts store, online or a big box store. The store should have a manual telling you the type of wipers you need based on your car model and make. It is as easy as sliding them off and on, directions are included.

Checking car fluids

Fluids such as engine oil, brake fluid, wiper fluid and radiator coolant are essential to your vehicle’s function. Consult your owner’s manual to know how often to check your fluids. Park your car on a flat level surface and set the parking brake. Remember, always allow time for the engine to cool off before opening the hood. Many fluid levels can be checked using the dipstick included or checking the fluid reservoir.

Check tire pressure

Maintaining proper tire pressure gives your tires greater longevity, quicker steering response, a smoother ride and better fuel efficiency. Tiremaker, Bridgestone has the following recommendations for checking your tires. Gather the following items, a tire pressure gauge and air compressor. You can use an air compressor found at most gas stations. Check your car manual to find the recommended PSI (pounds per square inch of pressure). Check the tire pressure with your gauge. You can do that by removing the valve cap from your tire. Then place the pressure gauge on the valve stem and press down hard enough so the hiss sounds disappears, and your gauge provides a reading. With a standard gauge, the air pressure will push a small bar out from the bottom of the gauge. Measurement units are etched into the bar. A digital gauge will show you a reading on the screen. After checking each tire, fill to the correct PSI and repeat every month.

“For peace of mind, GreatFlorida Insurance can always sign you up for Emergency Roadside Service with your car insurance,” says Ellsworth Buck.

The post DIY Car Maintenance appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
3/13/2019

Recently in Pasco County, some inmates helped rescue a baby locked inside a vehicle. The parents of the child accidentally locked her in the car, leaving their keys on the front seat. A Pasco County Sheriff’s Office Inmate supervisor and five low-risk offenders repairing a parking lot meridian nearby offered to help. With a coat hanger and a special, “skill set” the inmates were able to open the door and retrieve the child.

“Thankfully the parents realized immediately the baby was in the car,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent car insurance agency.

While it seems unfathomable, people leave their children behind in the car several times a year. In 2018, over 50 children died in hot cars according to safety advocacy website, Kidsandcars.org.

The website highlights University of South Florida Psychology Professor, David Diamond’s work on why people forget and leave a child behind in a car. He explains it has to do with the complex functions of the brain. He states that the problem is the failure of prospective memory, the process by which the brain remembers to do something in the future. Professor Diamond says, “The brain memory systems that fail when people forget children in cars are the same as those systems that cause us to forget to shut off the headlights when we arrive at a destination.”

Several brain processes are involved with leaving a child in the car. Many factors can disrupt these processes such as stress, interruptions, multitasking, and sleep deprivation. Also, Professor Diamond points out, the lack of visual or verbal reminders increase the chance of a child being left in the car.

The National Highway Traffic Safety Administration reports heatstroke is one of the leading causes of non-crash-related fatalities among children. When a child is left in a hot car, their temperature can rise quickly.

“Children suffer heatstroke even if they are left in the car for a few minutes,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent car insurance agency.

Children are vulnerable to heatstroke. According to the National Highway Traffic Safety Administration the following are some facts about kids and heatstroke.

Kids aren’t built for heat: A child’s body temperatures rises 3-5 times faster than an adult.

Every minute counts: The temperature of a car can climb 20 degrees in 20 minutes.

It doesn’t have to be hot: Heatstroke can occur in the shade, with the windows down, and even at temperatures as low as 57 degrees.

The post Children Left in Cars appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
3/6/2019

You are in pain. You reach for some pain-reliever only to notice it’s expired. Do you still take it?

“It is a good idea to conduct an annual inventory of your medication,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent health insurance agency.

Since 1979, the U.S. Drug and Food Administration (FDA) has required an expiration date on all over-the-counter medication.

According to the FDA, “Drug expiration dates reflect the time period during which the product is known to remain stable, which means it retains its strength, quality, and purity when it is stored according to its labeled storage conditions.”

However, the FDA conducted a study finding 90% of more than 100 drugs, prescription and OTC were good to use even 15 years after the expiration date. While taking medication past the expiration date, cannot guarantee full potency, most of the effectiveness is retained.

Proper storage can help medication can retain its strength. Placing drugs in a cool, dry environment such as the refrigerator, will extend its shelf life. If left in a hot environment, such as your car, some drugs degrade rapidly.

Consensus among doctors is, expiration dates are very conservative to make sure you get your money’s worth. But, don’t be in a hurry to ditch your expired medication, save yourself some money. Tablet medication such as ibuprofen (Advil) can remain effective for years after being opened.

“While most meds are fine to use after their expiration date, that doesn’t mean they all are,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent health insurance agency.

The safety of expired meds should be considered. The FDA says of expired medication, “It also may yield toxic compounds, causing consumers to experience unintended side effects.”

Liquid medications deteriorate faster. According to Harvard Medical School you should avoid using the following medications after their expiration date.

  • Tetracycline (this antibiotic loses its effectiveness after expiration, though scientists are still researching this)
  • Nitroglycerin (taken as heart medication)
  • Insulin
  • Liquid antibiotics

GreatFlorida Insurance is committed to helping Floridians stay healthy. Our experienced agents can offer you and your family quality health insurance policies to fit your needs while staying within your budget. Call us at 888-478-7801 or go online to www.greatflorida.com for a free quote today.

GreatFlorida Insurance is a authorized vendor of health insurance for Blue Cross & Blue Shield.

GreatFlorida Insurance is a authorized vendor of health insurance for Blue Cross & Blue Shield.

 

The post What You Should Know About Expired Medication appeared first on The GreatFlorida Insurance Blog.