Helpful tips, advice, information and fun facts on topics including safety, maintenance and homeowners insurance.
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From category archives: Florida Peninsula

How to Reduce Your Chances of Major Water Damage

Water damage is one of the leading causes of claims filed in the State of Florida. There are preventative measures every homeowner can take to significantly reduce their risk of damage. Below are 3 simple steps you can take to protect your home and belongings:   Be mindful of where you plant: Certain plants and trees have invasive roots, meaning the roots can grow right into your sprinkler system, septic tanks, pipes, and more. By creating a plan before you plant, you can avoid water line damage due to roots.   Clean out your gutters: This task may seem a bit tedious, but it will be well worth it. Safety climb up to the roof to inspect your gutters for leaves, birds’ nests, sticks, etc. and clean them out.  A clogged gutter can send water straight into your home’s foundation or into the basement, causing major water damage. You can also hire a certified professional to do this for you.   Keep an eye on your water bill: Regardless of the size of your home, a leak could r ...

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AOB Abuse Leads to Increases in Premiums

Assignment of Benefits (AOB) fraud is a fast growing problem for Florida homeowners. Unfortunately, as the result of this problem, it has lead to an increase in homeowners’ insurance premiums for a vast majority of carriers doing business in our State. Most commonly, AOB fraud occurs during an emergency, such as a plumbing or roof leak. When homeowners sign an AOB contract, it puts a third party in direct control, and claims are inflated with unnecessary costs and fees. It doesn’t end there – these costs are then passed on to policyholders when insurance companies calculate and adjust their rates.  Large areas of the state, particularly the tri-county area of Southeast Florida, have already been hit with double-digit property insurance rate hikes, with more increases on the horizon if something isn’t done. State-run Citizens Property Insurance Corp. has calculated what will happen if lawmakers do not fix the problem. In Palm Beach, for example, coverage for a residenti ...

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Dehydration in Children and Pets

When it comes to spotting the signs of dehydration, adults are typically better informed and independent enough to recognize warning signs on their own, while younger children and pets tend to need some assistance in this area. The hottest days of the summer could be the most dangerous for your children and pets. It is important to keep a close eye on them and be aware of the red flags. What causes dehydration? Loss of water through sweat, tears and urine will typically cause dehydration, if not replaced by drinking fluids and eating foods which contain water. Illness could also cause dehydration due to vomiting, fever or diarrhea. Children who are overexposed to the sun and are not drinking enough water are especially susceptible to dehydration. What are the symptoms of dehydration? The most common symptom of dehydration is thirst. Thirst is a sign your body needs hydrating. Other symptoms are less-frequent urination, dry skin, fatigue, headache, light-headedness, dizziness, dry mouth, increased breat ...

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Tropical Weather Disturbances Being Closely Monitored

  The National Hurricane Center has issued an advisory for a potential tropical cyclone developing in the deep tropical Atlantic. The latest update advises there is a disturbance moving rapidly toward the Southern Windward Islands, moving at approximately 23 mph (without circulation). It is still too early to know if the storm will affect South Florida, but if it does become a named storm, it will be named “Bret”. Hurricane Season 2017 is here: Are you prepared? Read our latest blog on how to prepare your home and your family this year.  Use Your Resources: The most important thing to know before, during, and after a storm is your resources. These websites and numbers to each should be posted in your home for easy access. These resources are always available to you, and they could save a life in the case of an emergency.  American Red Cross  National Hurricane Center  Florida Division of Emergency Management    Keeping your family and ...

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Quick Camping Safety Tips

When warmer weather approaches, there’s nothing like spending time in the great outdoors. Camping it can be a lot of fun, but typically holds greater dangers than what you would experience in the city or suburbs, such as wildlife, altitude, weather, and more. Before you pack your sleeping bags and tents, here are some things you should consider: Stay up to date on vaccinations: Vaccinations protect people of all ages from certain diseases. It is very important to use bug spray to protect yourself from mosquito bites. There is currently no vaccine to prevent Zika virus, which is what some mosquitos carry. Remember to spray yourself a few times each day and follow the instructions on the back of the product to avoid being bitten. Check the weather: Before you leave for your camping trip, check the weather forecast. Pack alternative clothing in case mother nature decides to provide you with a shower. Warm blankets, sweaters, rain jackets and rain boots are great options for unexpected weather. Gear up ...

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Hurricane Food Shopping List

  You’ve just heard word a hurricane is approaching and your first instinct is to head to the store to fill up the pantry. Remember, you should plan for the worst possible outcome; purchase food items which do not require a refrigerator, microwave, stove or oven, as electricity may not be available for a few days should you lose power. Here are the best foods to stockpile in the case of an emergency:   Drinks: Bottled water is a must-have item during a hurricane. You can also purchase Gatorade or Powerade, which are great sources of electrolytes and carbohydrates and can help rehydrate. Powdered milk is a great substitution for fresh milk if you have no power to your refrigerator. Energy: Children can get very cranky, especially when all their resources are cut off, such as the TV and radio. Stock up on items like fruit, peanut butter, nuts, trail mix, granola and power bars to keep their moods and spirits alive. Vitamins: Even though you have access to food, not eating nor ...

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Preparing the Landscape for a Hurricane

The Atlantic Hurricane Season begins on June 1st and ends November 30th, 2017. Each year, we gear up for this season by stocking up on canned food, bottled water, batteries and more. Although this is important, we should not forget about our plants and trees. We recently offered tips on protecting your plants during the winter season. Now, here are some tips to protect your plants during hurricane season.   Make a plan: If you live in a hurricane-prone area, you should plant high quality trees that have good structure. Planting more wind-resistant trees makes it more likely they will survive hurricane season. When the season comes near, pay attention to your trees to make sure they are in good shape. Look out for large, dead branches, as these should be removed to prevent damage to your home.   Protect the Harvest: If you have a vegetable garden, harvest all vegetables before the storm arrives to keep them out of harm’s way. Chances are, if high winds arrive, there will be littl ...

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Hurricane Mitigation: Protect Your Home

Hurricane mitigation encompasses the actions and measures taken before a hurricane strikes. Being a homeowner makes your home one of your largest investments. Therefore, protecting it from natural disasters should be a top priority.  A natural disaster can occur at any given time. The 2017 Atlantic Hurricane Season Forecast predicts a reduced amount of activity than last year, but this does not mean we should let our guards down. Here are a few steps you can take to protect your home from damage before this year’s Hurricane Season is in full effect:   Home Inspection: Is your home ready for a natural disaster? Consider having your home inspected each year before Hurricane Season approaches to ensure your personal safety, along with your home and belongings.   Shutters: If you hear news of an approaching hurricane, installing shutters to your windows can be beneficial. If a window in your home is broken during a hurricane, it can expose the inside of your house to excessive winds ...

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National Insurance Awareness Day

Wednesday June 28th, 2017 is National Insurance Awareness Day. This day serves as a friendly reminder to take some time out to review your insurance policies and ask important questions about your coverage. It is extremely important for you to understand what is covered when it comes to your home and belongings.

Florida Peninsula strives to give you peace of mind, knowing your property is fully protected, by offering customers the highest level of service and fair claims handling. The best way to celebrate National Insurance Awareness Day is to speak to your agent and discuss the various types of insurance which protect you and your family.


Florida Peninsula is one of Florida's top homeowners insurance companies. We strive to combine the latest technology with old-fashioned fast, fair, and friendly customer service and claims processing. If you are in the market for a home insurance quote, give us a call at (877) 229-2244 or get a quote on our website. 

Basic Boating Safety

Boating can be a wonderful recreational activity for the entire family, if you follow basic boating safety guidelines. No matter how much experience you have, reviewing these guidelines before departure is always a great idea. Here are some simple ways to ensure a terrific boating experience:  Use a pre-departure checklist. It is important to prepare for any scenario on the water. Following a checklist ensures nothing has been forgotten or overlooked. A few things to consider are: ·         Disconnect all utility lines, such as power cords and water lines ·         Go over rules with passengers (keep all hands and feet inside the boat, no running, etc.) ·         Watch for other boats and people in the water before leaving the dock ·         Proceed slowly when leaving and approaching the dock · ...

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