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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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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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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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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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How to Identify and Treat Snake Bites

  Our warm tropical weather allows for residents to explore and enjoy the great Florida outdoors. However, our warm climate makes for snakes inhabiting Florida also become more active, increasing your chances of encountering one when spending time outside. Therefore, is it increasingly important you know how to identify a snake bite, and how to treat one in the unlikely event that you or another is bitten.  Fortunately, snake bites are very rare and the effects of them are almost never fatal, occurring six times per year in the United States, on average. Furthermore, only six of the 50 species of snakes found in Florida are venomous, so the chances of serious injury from a snake bite are likewise very low. It is still very important you are able to identify a snake bite so you can properly treat them. Snake bites are characterized by the following signs and symptoms: ·         A pair of puncture wounds, caused by the snake’s fangs ·&n ...

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Beware of Fraud After Hurricane Irma

Floridians affected by Hurricane Irma are beginning the recovery process by notifying their insurance carriers and making repairs to their properties. We urge our policyholders who have experienced damage from Hurricane Irma to call Florida Peninsula Insurance Company first to protect themselves from fraud.  After natural disasters, it is not uncommon for fraudulent contractors to pray on those experiencing a loss. Contractors will go door-to-door soliciting repair and cleanup services to those in need. At times, these contractors may be out-of-town "storm chasers" who may not have the proper licenses to make the repairs they promise to deliver.    There is a high probability Assignment of Benefit (AOB) forms will be offered to policyholders when contractors go door-to-door soliciting business or making emergency repairs. When an AOB form is signed by a homeowner, they are assigning their rights under their homeowners insurance policy to the vendor, and allowing all payments to be ma ...

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3 Things You Didn’t Know About Hurricanes

Hurricanes, or tropical cyclones, are storm systems characterized by strong winds, heavy rain and a propensity for destruction. During hurricane season, it may seem as though there’s one storm after another. Though storms may both frighten and fascinate us, there’s a lot you may not know about them. Here are 3 things you didn’t know about hurricanes:   1.      A hurricane is only a hurricane when it forms over the Atlantic Ocean. If a storm forms over the northwest Pacific Ocean, it's called a typhoon. If it forms in the South Pacific and Indian Oceans, it's called a cyclone.   2.      Tropical cyclones began receiving names in 1950 to make it easier for the public to know which particular storm warnings to follow. The World Meteorological Organization creates the list of names to be used for hurricane season, and for the Atlantic season, which runs from June to November. There are six annual lists with 21 names each. Afte ...

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Back to School on Insurance: Know Your Coverage

As a homeowner, it is important to know and understand your coverage through your specific carrier. Stay clear of assumptions and be sure to ask questions if you have any. Having a reliable Renter’s, Condo Owner’s or Homeowner’s Insurance plan in place will not only give you peace of mind, but will protect your family and belongings as well.   Your home is likely the largest financial investment you will make. In the event of a fire, flood or natural disaster, this investment can disappear in a matter of minutes, even seconds. Your insurance policy can cover not only damage, but it can save you from financial ruin.   Making sure you have enough coverage is very important. The best way to determine this is to conduct a home inventory. The Insurance Information Institute (I.I.I.) offers a free home inventory tool which lets you create, maintain a photo home inventory, and store it safely in the cloud. To learn more, visit www.knowyourstuff.org. Another important ...

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