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Helpful tips, advice, information and fun facts on topics including safety, maintenance and homeowners insurance.
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Go Green with Florida Peninsula for Earth Day

    At Florida Peninsula Insurance Company, our number one priority is the safety of our policyholders and their homes. Florida Peninsula also cares about the safety and protection of our planet. As such, we are committed to limiting our impact on the environment by implementing several environmentally conscious practices throughout all our business transactions, including our Green Solutions option. We encourage our policyholders to celebrate Earth Day along with Florida Peninsula by enrolling in Green Solutions on our website. This option allows you to go paperless, receive and access policy information, make minor changes to your policy, make payments, as well as file and check the status of open claims, from the convenience of your computer. Our Green Solutions option is just one of the ways Florida Peninsula is committed to minimizing our carbon footprint. By making this simple change and enrolling in Green Solutions, you too will be taking steps toward protecting the environment and pro ...

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Is Your Home at Risk of Flood Damage?

Floods can occur at any time, and anywhere. According to FEMA, flooding is the most common disaster in the United States. Flooding can occur for several reasons, including heavy rainfall, storm surge from a hurricane or tropical storms, or river overflow. You do not need to live in a high-risk flood zone for flood waters to cause costly damage to your home. Just an inch of flood water can cause thousands of dollars in damages to your home and possessions. Every home has some level of risk for flood damage. In fact, floods occur in every region in the country according to FEMA.  In Florida, we are at an increased risk of experiencing flood damage. Hurricane Irma brought widespread flooding throughout our State and caused an estimated $25-$38 billion in flood damages. CoreLogic estimates, 80% of residential flood damages to not be covered by any flood insurance.   If you live in Florida, you need flood insurance. FEMA estimates nearly 2.5 million homes in Florida are located in flood ...

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3 Things to Know About Flood Insurance

As we have seen in the recent months and years, flooding can occur at any time and during any season. Flood waters can cause severe and costly damage to your home. Understanding your home’s risk of flooding, and your flood insurance options, you can have the peace of mind knowing you are making the best decisions for your family and home. Here are three things you should know about flood insurance: 1.  The most common disaster in the United States is flooding. Flooding is the nation’s most common and most costly disaster. According to FEMA, floods occur in every region of the country and cause the most damage to homes compared to any other natural disaster. Not to forget, roughly 90% of all natural disasters involve some form of flooding.    2.  Flooding is not covered under your homeowners insurance policy. A standard home, condo, or renter’s insurance policy typically does not include flood coverage. Homeowners insurance policies may prote ...

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April 8-14 is National Dog Bite Prevention Week

Approximately 4.5 million people are affected by dog bites each year. To help reduce the number of injuries due to dog bites, both adults and children should be educated on dog bite prevention. Dog owners should practice responsible ownership, as most dog bites can be prevented. We encourage you to consider these tips and reduce the risk of your dog biting someone: Children are the most common victims of dog bites. Do not leave infants or young children unattended with any dog, and discourage children from disrupting a dog while they are sleeping or eating.  Keep a safe distance away from other dogs who appear to be threatening. Practice caution when exposing your dog to new situations where you are unsure of what their response may be. If your dog begins to develop aggressive and frightening behaviors, seek advice from your veterinarian or animal behaviorist.    For more information on dog bite prevention, please visit the ASPCA website.   ...

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Homeowner Responsibilities

Your homeowners insurance policy is a legal contract between you and your insurance carrier written responsibilities for both the homeowner and insurance company. Being a responsible policyholder means you understand your coverages, individual needs, and replacement costs. Communication is key to being a responsible homeowner and requires a bit of research.  Knowing the right questions to ask your agent about possible hurricane protection credits, available discounts, additional coverages, and how they affect your premium, makes you an educated homeowner and may lead to lower premiums. The more you know, the more comfortable your agent will feel about addressing complex topics and the details of your home. Before an application is bound, most homeowners insurance carriers will perform a home inspection. Therefore, you should be aware and address any potential issues, such as roof repairs and property hazards before an inspection is ordered. In some instances, carriers may also request ...

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Why Homeowners Insurance is Necessary

     Your home is likely one of the largest investments you will make in your lifetime and which houses your important possessions. As such, it is necessary for you and your family to have the peace of mind knowing your home is protected, should the unexpected occur. Homeowners Insurance provides the protection for the investments you have made in your home by providing coverages which fit your needs. Here are three reasons why homeowners insurance is necessary: 1.  Living in Florida is unlike many other states, as we are very vulnerable to experiencing the effects brought on by wind storms and hurricanes. It is impossible to predict when a disaster may strike, therefore, it is best to err on the side of caution and secure the necessary coverage to protect your valuables and home. 2.  To protect their investments, most lenders may require your home to be insured until the property is paid off in full and the mortgage released. Make certain the policy you purcha ...

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Spring Forward into Daylight Saving Time

At 2:00 a.m. on March 11th, 2018, the clocks will spring forward 1 hour to mark the beginning of Daylight Saving Time. Although it may not seem like much, losing the extra hour of sleep can alter your routine and sleeping patterns. Consider these simple tips to “spring forward” easily into daylight saving time this year: Go to bed a little earlier than usual to adjust to the time difference. Do not forget to set your alarms, as your body’s clock may be a little off. Eat meals at your normal scheduled time to help your body adjust to the time change quicker. Cut your caffeine intake in the afternoon and at night to fall asleep earlier. Stay alert on the roads, as many drivers will be adjusting to the time change as well. Sleep deprivation can lead to an increase in traffic accidents. Use the extra daylight to perform occasional tasks such as changing the batteries in your smoke and carbon monoxide detectors around the house. ...

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Investigation by Florida Peninsula’s Special Investigations Unit Results in Insurance Fraud Arrest

On Saturday, February 3rd, Michele Krisle, owner of TSK Exteriors roofing company in St. Cloud, was arrested after an investigation was performed in conjunction with Florida Peninsula Insurance Company’s Special Investigation Unit (SIU). Ms. Krisle was arrested on counts of Scheme to Defraud, Fraudulent Lien, Grand Theft, and False and Fraudulent Insurance Claim after she presented Florida Peninsula with a false invoice for services which were not completed. A Florida Peninsula policyholder hired Krisle’s company, TSK Exteriors, to make repairs on his roof. TSK Exteriors attempted to have the insured sign an Assignment of Benefits (AOB) form to seek additional monies from Florida Peninsula after the roof repair was complete. When the insured refused to sign the AOB, TSK Exteriors filed a lien against the policyholder’s home for over $17,000. Subsequently, the policyholder reported a roof leak to TSK after their repairs were completed. TSK refused to honor their warranty on the pre ...

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Super Bowl Party Safety Tips

Super Bowl 52 will be held on Sunday, February 4, 2018. It is estimated, nearly 45 million Americans host Super Bowl parties each year. Regardless of the teams playing, many like to use the game as a reason to get together with friends and family. When hosting people at your home, safety should be the main priority. To host a safe Super Bowl party, consider these tips:   Prepare your Home Clear your walkways, staircase, and driveway of obstacles which could lead to guests injuring themselves on your property. First Down on Food Be sure to have several food options for your guests to choose from. Follow food-handling procedures and store food at proper temperatures. Never leave the kitchen or grill unattended while cooking. Be sure to visit our Pinterest page for some great Super Bowl-themed food items.   Drink and Serve Responsibly Unfortunately, Super Bowl Sunday is one of the worst days for drunk driving accidents. If you are serving alcohol at your party, arrange for ...

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Easy Projects to Fall in Love with Your Home Again

    When you first move into your home, whether it is a fixer upper or in move-in ready condition, you undoubtedly, loved your home. However, after some time, your house can start looking a little worn or dated. February is a month all about love, as such, you should take this month to fall back in love with your home. By making a few changes, you may be able to do so, without it turning into a costly or messy project. There are lots of easy changes you can do to make your house feel like home again, here are a few options for you to consider:   Landscaping   Landscaping is often overlooked however, you do not have to dig up your entire yard or spend thousands of dollars to revitalize your landscaping. Adding some new plants, flowers, and pots can make a huge difference in the look outside your home. For some great gardening and landscaping ideas, visit our Pinterest page.   Paint A new coat of paint can make a huge difference in the look of your house. If re-painting the e ...

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