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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

Make Sure Your Home is Covered for All it's Worth

With your home being one of the largest investments you will make in your lifetime, it is important your home is properly insured for all its worth. A study conducted by Marshall & Swift, determined nearly two out of every three homes in the United States are underinsured. Upon reviewing your policy, you may find your current policy will only insure a percentage of the replacement value of your home. In the unfortunate event of a total loss, a gap in coverage could lead to a severe financial loss. What you need to know to make the right coverage choices:   Market Value vs Replacement Costs - Know the Difference Many believe their coverage limits are based on the market value of their home, as opposed to the replacement cost of the structure. When you insure your home based on its market value, you run the risk of having insufficient coverage. Market values are based on factors such as location, neighboring properties, school zones, and property taxes. However, these factors do not have ...

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Homeowners Insurance - Are you covered?

  A lot can change in a matter of a year, which could have an impact on your insurance needs.  At the start of this new year, take some time out of your busy schedule to review your homeowners policy. It may save you some money and time should the unexpected occur.  As a policyholder, you can make changes to adjust the amount of coverage you have, which may cause changes to your annual policy premium.  Keep in mind, should you not have enough coverage in place, you could be responsible for any out-of-pocket costs in the event of a loss. Each homeowners policy is different, and it is important you understand your coverages, so you and your agent can select the options which work best for the needs of your family. Consider the following when reviewing your homeowners insurance policy:   What is covered? Your homeowners insurance is made up of coverages which can help pay to repair or replace your belongings and your home should they be damaged by certain perils such as fir ...

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New Year, Clean House

With the start of a new year, there is no time like the present to conquer cleaning up the home. Begin the new year by taking some time to deep clean your home room-by-room and tackling outdoor chores. Consider these suggestions and keep your home clean and clutter-free in 2018:   Kitchen Kitchens can become clutter collectors. Items which do not belong in the kitchen should be moved to their proper location. Consider donating items, such as small appliances, dinnerware, and cookware you do not use to local charities. Clean out your drawers, cabinets, pantry, and refrigerator and be sure to discard any unwanted or expired items. Once you have removed the clutter, wipe down all kitchen surfaces with a cleaning spray and a towel.   Bathrooms Along with all other rooms in the house, de-clutter before you clean. Empty drawers, shelves, and cabinets and remove items such as empty soap and shampoo bottles, old toothbrushes and expired medications. Next, clean and sanitize.   Bedrooms & ...

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Prevent Identity Theft Over the Holiday Season

The holiday season is undoubtedly one of the busiest shopping times of the year. As such, purchases made during this busy time of year could expose you to hackers and scammers looking to steal your identity and drain your bank account. Consider the following tips to protect your information, and wallet during this holiday season: Purchase items using cash or credit cards to limit the use of your debit card. It is much easier for hackers to obtain your information from online purchases. If possible, shop in-store rather than shopping online. If you are doing some online shopping, be sure your computer is equipped with antivirus software and firewalls. Shred any documents containing personal information, such as your social security number, driver's license number, bills, and bank statements. Give yourself the gift of identity theft coverage. Florida Peninsula offers an economical endorsement which can be added to their policies providing assistance if you ever ...

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Holiday Home Safety

    This holiday season brings all sorts of activities. From lighting candles to hanging string lights. Here are some ways to keep your home and family safe from hazards such as fire and injury.   Lights: Inspect holiday string lights each year before hanging them up to ensure there are no frayed cords or cracked bulbs. When replacing bulbs, always unplug the lights first and make sure the voltage and wattage match the original bulb. When going to bed or leaving the house, be sure to turn off the lights.   Ornaments: Avoid glass ornaments, especially if you have curious children and pets. Using plastic ornaments makes tree decorating safe for the entire family. For pets, avoid hanging ornaments at the very bottom of the tree. To avoid injury altogether, gate off the area where the tree will stand so children and pets cannot get too close without supervision.   Candles: Always remember to blow out candles before going to bed and never leave them near curtains or flammable ite ...

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Protect Yourself from ID Theft

    Identity theft is a serious crime which happens when someone uses your personal information without your consent to commit fraud or other crimes. Personal information includes things like your name and Social Security, or credit card numbers. ID theft can happen anywhere, at any time. Fortunately, there are some simple ways to lower your risk of becoming a victim.   1.  Always verify who you are speaking to over the phone: Remember, banks or creditors will never call you randomly and ask you to verify your credit card numbers or social security numbers. This only happens when you are the person calling trying to get information about your account. Always search online directly through your bank or creditor’s website to obtain their official contact numbers. Never dial a number from a third-party. To be even safer, go directly to the branch to solve any issues you may have.   2.  Handle financial documents with care: If you need to throw away documents ...

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Thanksgiving Leftovers: Safety Tips

  Your Thanksgiving meal is one of the largest you will prepare all year, so you’ll be sure to have lots of leftovers for days or even weeks to follow. Follow these tips to make sure your Thanksgiving leftovers are both delicious and safe to put back on the table:     1. Your leftovers should be stored in the refrigerator within 2-3 hours to prevent the growth of bacteria. Store leftovers in shallow pans or containers to decrease cooling time. This will prevent food from spending too much time in unsafe temperatures.   2. For guests who live more than 2 hours away, store leftovers in a cooler with ice or frozen gel packs for safe travel.   3. Remove stuffing from inside the leftover turkey and refrigerate separately from the meat.   4. Avoid consuming leftovers which have been left in the fridge longer than 4 days. (Remember: it’s safe to consume leftovers until the following Tuesday after Thanksgiving)   5. If you ...

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Scare Safely

As you begin your preparations for this year’s Halloween festivities, we want to make sure those cool costumes of your favorite superhero, monster, or cartoon character will keep you safe while enjoying the day. Whether you plan to dress up like Superman, Elmo, or a scary Vampire, keep the following safety tips in mind when trying on your costume: Choose fire-retardant costumes:  Check the labels of your costumes, as well as all your accessories to ensure they are fire resistant. This should include any wigs, shoe covers, and accessories which may compliment your look. Use Make up instead of Masks:  Using a mask may impair your vision and may cause you to dehydrate, as the heat builds up during your “trick or treating” around the neighborhood.  Instead, consider choosing hypoallergenic makeup commonly used for face painting as an alternative. Size matters:  When trying on your costume, ensure you have selected the proper fit.  Any dangling or loose fitting item ...

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10 Tips to Respect Wildlife

  When venturing outside of our daily lifestyles and into the wilderness for a camping trip or a weekend getaway, it is important to remember the pristine beauty and unadulterated landscape of the natural world is what makes it so attractive. When spending time off the beaten path and in the wilderness, we must leave no trace behind and respect the wildlife we encounter so others can enjoy the beauty of nature after us. Here are 10 tips that will help you respect wildlife:   1.       Travel and camp on established surfaces Using existing campsites, trails, and paths reduces the impact explorers have on the wilderness by eliminating new disruptions to the environment. If you are exploring a pristine area where existing campsites and trails are unavailable, disperse your activity over an area of land to prevent the creation new trails and campsites. 2.       Dispose of waste properly Do not leave behind any waste from your campsite, a ...

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Wildlife Safety Precautions

Before venturing out into the wild to spend some time off the grid, whether it be for a hike through the woods or a family camping outing, you must prepare yourself for the unpredictable nature of the outdoors. Weather conditions can change without notice or you may have an up-close encounter with a wild animal. Whatever the situation may be, it is important you take certain safety precautions to prepare for your adventure in the wild. Below are some safety tips to keep you and your company safe in any situation: Prepare for the elements When spending time outdoors, weather conditions can change within minutes, leaving you at the mercy of Mother Nature. It is always smart to bring a waterproof rain jacket to protect against potential storms. In addition, pack clothing that can be worn in layers to keep you comfortable for the warmer weather during the day, as well as the cooler weather at night. Spending time outdoors inherently puts you at the risk of sunburn, so be sure to pack at least SPF 30 s ...

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