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
12/6/2017

November 30, marked the end of an extremely destructive, 2017 hurricane season. While totals are still being calculated, estimates currently put damages at $200 billion.

The Federal Emergency Management Agency (FEMA) reported to The Orlando Sentinel that 432,286 renters applied for aid in Florida during October. FEMA does not pay what is covered by insurance, however they try to help the uninsured and underinsured. Keep in mind, they do not cover all damages.

“Renters are less likely than homeowners to insure their belongings,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent renters insurance company.

Most landlords in Florida, do not require renters to carry insurance. The Insurance Information Institute found only 41 percent of renters said they had renters insurance.

“There is a misconception that the landlord is accountable for personal liability issues, but a landlord’s insurance often covers just the structure, not personal property or personal liability,” says Buck with GreatFlorida Insurance, Florida’s top independent renters insurance company.

Renters insurance offers protection for personal belongings that could be damaged by a fire, water issue or storm. It also includes reimbursement for items stolen from home or lost, as well as incidents that are the renters responsibility.

Also, renters insurance will pay out money to replace furniture, clothes, kitchen appliances, electronics, laptop, paddle board, jewelry and more.  You do not have to own a lot to justify a renter’s policy. It could be a specific item such as a bike, engagement ring, musical instrument or collection that is the motivation for coverage.

If an injury occurs in a rental property or even the rental property yard or driveway, the renter can be held responsible for the victim’s medical bills. A renters insurance policy can also provide money for temporary housing. If a rental property is damaged from fire or water, a renters policy will cover hotel expenses while repairs are made.

Renters insurance offers a lot of benefits for a small amount. The average renter’s policy ranges from $15 to $30 a month, offering peace of mind for the price of lunch.

Before purchasing renter’s coverage, inquire with your rental company or landlord to see what their policy will cover. Next, take inventory of your possessions and determine a level of protection that makes you feel comfortable. An experienced agent at GreatFlorida Insurance.  They can guide you through the process to make sure you purchase enough coverage to protect your belongings without paying for overlapping and unnecessary coverage. Give us a call today.

The post Hurricane exposes insurance gap appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
11/28/2017

“Nothing brings on the holiday cheer better than creating a festive environment at home,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance provider.

Whether you are hanging your favorite decorations on the tree, or preparing for an inflatable Santa Clause takeover in your front yard, GreatFlorida Insurance has tips for keeping your holiday decorating safe while spreading joy.

Christmas Trees

According to the National Fire Protection Association (NFPA), Christmas trees are responsible for $16.2 million in direct property damage annually.  NFPA makes some recommendations to keep your Christmas tree safe and enjoyable.

When purchasing an artificial tree look for the “fire resistant” label. While fire risks are lowered with an artificial tree, chemicals and dust on the tree can still pose a fire hazard.

Pick a tree with fresh, green needles that do not fall off when touched.

Before placing the tree in a stand, cut off 2 inches from the base of the trunk for better water absorption.

Be sure to add water daily and keep your tree hydrated.

Keep your Christmas tree a minimum of 3 feet from any heat source including, the fireplace, radiator, heat vent or candles.

Holiday Décor/ Lights

The Electrical Safety Foundation International (ESFi), found more than 86 percent of Americans decorate their homes during the winter holidays.  Over 1,000 fires are attributed to Christmas trees and holiday decorations every year. Don’t let your home be a casualty.

Inspect your lights and discard any that are damaged or frayed and worn out.

Turn off lights and decorations when you are going to bed or leaving the house for an extended length of time. Using a timer helps.

Make sure cords are not pinched in doors, windows or under heavy furniture, which could damage the cord’s insulation.

Secure inflatable décor properly.

Use lights approved by a nationally recognized testing laboratory such as Underwriters Laboratory (UL). You will find a holographic sticker marked “UL” on the tag.

“A red UL sticker indicates indoor/outdoor use. A green UL sticker signifies indoor use only,” reminds Buck with GreatFlorida Insurance, Florida’s top independent homeowners insurance provider.

Avoid hammering tacks or nails into the electrical cord when hanging lights, use clips instead to safely attach lights to the house.

Don’t overload extension cords by using no more than three sets of standard lights per cord.

Plug outdoor lights and décor into circuits protected by ground fault circuit interrupters (GFCIs) to prevent shock.

Shut-off fan blowers on inflatables when it is windy.

Periodically check lights and decorations during the holiday season to make sure they are functioning properly and safely.

Falls

Using ladders, stools and other furniture to hang lights, ornaments and other decorations increase their risk of injuries and falls during the holiday season, according to the Centers for Disease Control and Prevention (CDC).

Recognize the possibility that you could fall.

Use safe ladder practices such as making sure the ladder is secure and level.

Make sure the ladder extends at least three feet over the roof line or work area.

Try using a step stool instead of furniture when hanging decorations.

Place cords in low-traffic areas to prevent tripping.

 

 

The post Prevent your home from being a holiday liability appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
11/21/2017

Thanksgiving is about family, food and gratitude. It is a day of celebration and cheer. Plenty of time is spent in the kitchen laboring over family recipes or just heating up the goodies you picked-up from Publix. With all the chopping, basting, shredding and baking, hazards are abundant in the kitchen.

Federal agency, the U.S. Fire Administration (USFA), reports that kitchen fires double on Thanksgiving Day compared to any other day of the year. Nearly 2,000 kitchen fires occur on Thanksgiving with approximately $21 million dollars in property damage.

“It is easy to get focused on food preparation and overlook maintaining a safe environment in the kitchen,” said Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

In the Kitchen

Cooking is the primary source of kitchen fires and injuries in the home. Fortunately, most fires can be put out with quick action from a host or house guest. However, if a fire is difficult for you to control, immediately call 911.

Before getting started, make sure your oven, burners and stove are clean and free of grease and food build-up.

Unattended cooking is the number one cause of kitchen fires, stay by your pan.

To prevent spills and burns be sure to turn handles inward, toward the back of the stove.

Make the area in front of the stove a “no zone” for kids. Be sure to keep a clear path where hot liquids are traveling.

While cooking, wear short sleeves or roll up your sleeves. Clothing is easily ignited.

Keep kitchen clutter such as, pot holders, towels and food wrapping away from the stove.

Have a pan lid or cookie sheet nearby to cover a small stove fire.

If a fire occurs in the oven, turn off the heat and keep the oven door closed.

When cutting, always cut on a stable surface and never cut food in your hand. If a knife falls from your hand or the counter, do not attempt to catch it, step back and let it fall on the floor.

“Cooking a Thanksgiving meal is a big undertaking. Taking time to follow safety guidelines will provide you with a successful feast,” says Buck With GreatFlorida Insurance, Florida’s top independent homeowners insurance agency.

Food Safety

Salmonella and Campylobacter can really ruin the Thanksgiving festivities. Properly handling, preparing and cooking your food can prevent foodborne illnesses.

Wash your hands not your turkey. This is the best way to avoid spreading bacteria. The U.S. Department of Agriculture (USDA) reports 68 percent of consumers wash poultry in the sink. This can splash bacteria around your kitchen up to 3 feet away, contaminating surfaces and anything else in the area.

Use a food thermometer for your turkey. Cook it to at least 165 degrees.

Properly thaw your turkey. Allocate 24 hours per 5 pounds for defrosting in the refrigerator.

Make sure to wash all produce.

“Thanksgiving is an ideal time to express my gratitude to our phenomenal independent agents and their staff for all their hard work to make GreatFlorida Insurance a success. Also, a big thanks to all our customers. It is our honor and pleasure to serve you and your families,” Ellsworth Buck, Vice President of GreatFlorida Insurance.

The post Avoid a Thanksgiving disaster appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
11/15/2017

Most consumers plan to spend their money online over the holidays. In their, “2017 Annual Holiday Survey,” independent research company, Deloitte, reveals 51 percent of people surveyed will opt for shopping online over shopping in-store this holiday season. This is the first-time holiday spending online will exceed brick and mortar store spending.

“It’s hard to beat the convenience of online shopping,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

By shopping online, consumers can avoid the chaos of malls and crowded stores. The frustration of parking and they are not restricted by store hours. Also, shopping online offers loads of great deals, unique finds and plenty of inventory.

With the increase of online spending comes a higher risk of becoming a cybercrime victim. So, here are some ways to avoid online threats this holiday season.

Use a secure internet connection when making a purchase. Avoid making purchases on a public wi-fi connection.

Make sure the website is secure. Look for the little padlock icon in the address bar or a URL that starts with “https” instead of “http,” the “s” stands for secure.

Check for well-known security labels such as DigiCert, VeriSign and other seals.

Create strong passwords. USA Today explains, “Many opt for a passphrase instead of a password, which is typically a long sequence of strung-together words, but perhaps with a number and symbol in there too. For example, the sentence “My dog Eddie has a birthday May 15!” could be used to create a passphrase like “Md3habM15!

Make sure to change your password on a regular basis or after a data breach with an online retailer.

Shop using a credit card. Credit card companies offer consumer protection policies making it easier to dispute fraudulent charges.

“If you are making a lot of purchases, it is good to regularly review your bank and credit card account statements for discrepancies,” says Buck with GreatFlorida Insurance, Florida’s leading independent homeowners insurance company.

Use common sense and avoid a deal “too good to be true.”

Buy from trusted sources, shop from brands and sources you are familiar with using.

Be a savvy shopper and read the fine print for return policies.

Beware of phishing scams. A popular one this time of year is an email claiming to be from a package delivery service including links to tracking information. Clinking on the links can put you at risk for malware or identity theft.

“Thanksgiving is an ideal time to express my gratitude to our phenomenal independent agents and their staff for all their hard work to make GreatFlorida Insurance a success. Also, a big thanks to all our customers. It is our honor and pleasure to serve you and your families,” Ellsworth Buck, Vice President of GreatFlorida Insurance.

The post Online Shopping Protection appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
10/25/2017

Werewolves howl. Phantoms prowl. Halloween’s upon us now.” Richelle E. Goodrich

If you enjoy being spooked, dressing up and sweets, Halloween is your night. Of course, all the activity, fun and mischief can result in calamities. GreatFlorida Insurance wants to make sure you enjoy an amusing and safe Halloween this year by checking out the following tips.

Drivers

“Children are more than twice as likely to be hit by a car and killed on Halloween than on any other day of the year,” reports The National Safety Council.

  • If you plan to leave your home, try parking so you do not have to back out of a parking space.
  • Check around your vehicle for little ones before you leave.
  • Be prepared to stop at crosswalks and intersections.
  • Stay off your cell phone.

“Drive especially slow that night,” suggests Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent car insurance agency.

Trick-or-Treating Trail

Set ground rules before your kids head out. Halloween is a night of pranks. Teach your children the difference between a prank and vandalism to keep them safe and out of trouble.

  • Children under 12 years of age should have adult supervision.
  • If you are with your kids, ditch the phone. Parents need to be in the moment and pay attention.
  • Make sure to stay on sidewalks and cross the street at corners and crosswalks and always look both ways before you cross.
  • Tell your kids to never go into a stranger’s home.
  • Set a time limit for your older kids to be out and be familiar with their route.
  • Encourage kids to avoid short-cuts through alleys and backyards.

At Home

  • Create a clear path to your door. Pick up leaves, debris and garden hoses, toys and bikes so trick-or-treaters do not trip.
  • Provide good visibility. Turn on your outdoor lights and make sure to replace burned out bulbs.

“A homeowner is not liable if someone falls or trips on their property, unless the homeowner was negligent. Do your best to keep pathways repaired and potential obstacles put away,” warns Buck with GreatFlorida Insurance, Florida’s leading independent homeowners insurance agency.

Pets

  • Do not leave your pets in the yard, they can frighten children and entice pranksters.
  • Keep your animals confined and away from the door during trick-or-treating hours recommends The American Society for the Prevention of Cruelty to Animals, ASPCA.
  • Halloween candy is not for pets, chocolate, especially dark chocolate can be toxic to dogs and cats.
  • Pet costumes can prompt laughs, but cause stress for your animal. If you dress them up, try a test run first. Make sure their mobility, sight and ability to breath is not limited.

Costumes

  • Make sure the costume fits properly to prevent trips and falls.
  • Try using non-toxic face paint and make-up instead of masks to make sure vision is not restricted. If you use a mask, make sure the eyes and nose holes are large enough.
  • Have kids carry glow sticks or a flash light so they can be seen. Using reflective tape on a costume or candy bag is also helpful.
  • Do not allow your kids to carry sharp or dangerous accessories with their costume.
  • If you or your kids are using decorative contact lenses as part of a costume, make sure to get them from a reputable eye center and try them out first.

 

The post Keeping Halloween Fun, Frightening and Accident Free appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
8/8/2017

Most people know Florida as the lightning capital in the U.S. A legitimate claim considering lightning struck seven homes in the Panama City area last week, during a severe thunderstorm. In fact, last year Florida paid out the most in homeowners insurance claims from lightning strikes and electrical surges. 10,385 claims totaled $67.8 million according to the Insurance Information Institute (III).

“As long as your home is sufficiently covered by your homeowners insurance policy, you are covered for lighting strikes and related damage,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency. Actually, lighting falls under “perils” in your homeowners insurance coverage.

Since we are in the midst of storm season, we want to familiarize you with the following tips on how to protect you and your home during a thunderstorm.

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Safety Tips

The best place to be during a thunderstorm is inside your home or office. Do not touch anything that can conduct electricity including: electrical appliances, metal surfaces such as a sliding door or anything connected to your plumbing system. Avoid anything served by your gas lines such as water heaters, ovens, furnaces and fireplaces.

Additionally, lightning strikes can be responsible for power surges- a sudden spike in electricity that can cause real damage. Most homeowners insurance policies including those at GreatFlorida Insurance offer financial protection against power surge damage.

As a general rule of thumb, Great Florida Insurance recommends you annually review your homeowners insurance. Make sure your coverage is consistent with the current replacement cost of your home and valuables. In the unfortunate event of a lightning strike and resulting damage to your home.

Lightning Protection System

A lightning protection system is designed to protect a structure. The Lightning Protection Institute (LPI) describes a lighting protection system as, “The highly conductive copper and aluminum materials used in a lighting protection system provide a low resistance path to safely ground lightning’s dangerous electricity.” Essentially, an updated version of the lightning rod.  It intercepts a strike and directs it to the ground without impact to the structure, occupants or contents.

Surge Protection Device

A surge protector offers some safety to your electronics from power surges and strikes. Do not confuse it with a power strip, which merely offers more electrical outlets and does not offer any real protection from electrical issues. Cnet.com explains, surge protectors offer some level of protection against power spikes. The level of protection varies based on how many joules, (unit of energy). “Generally, the more the joules, the better.”

For this reason, protect your home from damage that can occur from lightning strikes, power surges and fire with a homeowners insurance policy from GreatFlorida Insurance.

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The post When lightning strikes your home appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
2/1/2017

The Super Bowl is the biggest sporting event in the United States. If you plan on hosting the big game, you are not alone. In fact, 45 million people plan to host a Super Bowl party Sunday, according to the National Retail Federation (NRF).

Of course, hosting a house full of guests along with alcoholic beverages and charged emotions will have you playing defense. However, never fear, you have back up.  Homeowners insurance keeps you protected.  Below are possible scenarios for Super Bowl Sunday and how your home insurance covers your belongings and home.

Stolen belongings

While you assume your friends would never steal your stuff, you don’t always know everyone who comes over on game day. Therefore, if your belongings go missing, your personal property coverage pays to replace stolen items.

Incidentally, it might be wise to lock-up any valuables that could easily be taken from your home. “It’s good to snap a photo of your valuables for insurance inventory,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent homeowners insurance agency.

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Cooking fires

Super Bowl Sunday is a big grilling day.  The U.S. Department of Agriculture (USDA), reports Super Bowl Sunday as the second largest food consumption day in America, only behind Thanksgiving.

Due to all the activity, distractions occur. If a grill or kitchen fire breaks out, dwelling coverage pays for the cost of damage or destruction to your home.

Man down

As a homeowner, you are responsible for keeping your property safe. Consequently, if someone trips over a rug on the way to the bathroom and twists an ankle, you are held financially responsible. Fortunately, a standard home insurance policy includes $1,000 in medical coverage for injuries to guests, per person. In addition, you also have liability coverage if you are sued for injuries.

“Checking into an umbrella policy might be wise if you frequently host parties. This will curb liability expenses, especially if you own a pool,” suggests Buck, of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Social host laws

A lasting stat claims Super Bowl Sunday sees 325 million gallons of beer consumed. While Florida does not have social host liability laws unless a minor is involved, remain a vigilant host. Accordingly, visitors should have  transportation in order if they overindulge in drinks.

Keep in mind, being a party host is not always easy but with the proper home insurance party fouls will not ruin your home.

Stay protected in your home with dependable home insurance. Contact a GreatFlorida Insurance agent today at 1-888-478-7801 or complete our free online quote request form at www.greatflorida.com.

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The post Home Insurance is the Ideal Defense Against Party Fouls appeared first on The GreatFlorida Insurance Blog.