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Posts Tagged 'Florida Homeowners'

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Why Homeowners Insurance is Necessary

Here are three reasons why homeowners insurance is necessary.

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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 fire, theft or windstorm. ...

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Choose Safe Toys This Holiday Season

  There are millions of toys in the market for children. Each year, we see new trends right in time for the holiday season. But you must remember, but because they are popular, doesn’t make them safe. Each year, hundreds of kids are treated in hospital emergency departments for toy-related injuries. Here are some general guidelines to keep in mind when shopping for toys this year: Toys made of fabric should be labeled as flame resistant or flame retardant. Stuffed toys should be washable. Painted toys should be covered with lead-free paint to avoid consumption if your child chews on it or it begins to chip. Be sure to purchase art materials which are non-toxic. Crayons and paints should say ASTM D-4236 on the package, which means they've been evaluated by the American Society for Testing and Materials. Avoid older toys & hand me downs from friends and family. Apart from germs, these toys may not meet the current safety standards and may be ...

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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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Irma: What to Do After the Storm

    The aftermath of a storm can be a harmful and stressful time for us all. Knowing what to do post-Hurricane Irma can drastically reduce your risk of harm, and accelerate the recovery process. As we all begin the rebuilding process, Florida Peninsula offers the following safety tips and information:   Avoid downed power lines, sharp objects, and dangerous debris. They are the most common culprits for injury. Prior to cleanup, take photos or video of damages to expedite the claims process. Please notify Florida Peninsula of damage as soon as possible by calling 866-549-9672. If safe to do so, make temporary repairs to your home to prevent further damage. When beginning the cleanup process, practice caution, and wear protective clothing and eye wear. Carbon Monoxide poisoning poses as a severe danger after the storm. Be sure portable generators are outside, and at least 20 feet away from doors and windows. If you are without power, do not ...

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Preparing Children for The Hurricane Experience

As adults, we may have become used to the hurricane experience. When we hear of a hurricane threat, we are most concerned about personal, physical and property security. What is often overlooked, is the psychological trauma it may cause our children.   To a child, hearing word of an incoming storm can be a scary thing and even bring on a sense of panic, especially to those who are afraid of thunder and lightning. It is important to provide support to your children through educational methods, so they can understand what’s really going on, instead of imagining the worst.   Here are some quick tips to prepare your children for the next hurricane:   Talk to them: Just one conversation could change your child’s view of a hurricane. Your children’s reactions are a mirror of yours. By staying calm during the conversation, and especially during a storm, your kids will not have a reason to fear.   Make them comfortable: During a storm, it is important to surround your ...

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Hurricane Prep 101

Get ready for the 2012 hurricane season by following these helpful tips.

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Are you prepared for weather in Florida?

Proper documentation of your possessions could save you and your family a lot of money if a disaster should strike.

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Close Call for Florida?

Although it looks like Tropical Storm Emily looks like it will graze the East coastline of Florida, it is still 3 days away and too soon to tell if Florida will be affected by this Tropical Storm. 

It is important to stock up on needed supplies while stores are calm and you are not under the stress of protecting your home in the event of landfall.

Check your pantry for canned goods, non perishable items and plenty of water for your family and your pets.

See if you are in an evacuation zone.  If so, consider calling a couple of friends in-land who may be able to help you in case of a mandatory evacuation.  Make these arrangements with a couple of friends to ensure you have options in the event of a storm.  After a storm, take them out to dinner to thank them for their hospitality. 

Keep informed of the future track of Tropical Storm Emily as the slightest shift may mean landfall on the State of Florida. 

 

Go to www.wunderground.com to check on recent updates.

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