Do you run a business out of your home? A lot of people think their homeowners' insurance policies cover their home-based business needs when mayhem happens, but the reality is that most
homeowners' policies don't.
“Spring is nature’s way of saying, let’s party.” I am not quite sure I agree with Robin Williams when he said that. Let’s be honest, the first thing we think of, besides the beauty of nature, is SPRING CLEANING. Yuck! The only two people I could imagine hosting a party in celebration of cleaning are Danny Tanner and Mr. Clean (And they are fictional).
Whether you have just moved to Southwest Florida or if you are a renter who is getting ready to take the home buyer plunge, one thing that is likely in the back of your mind (besides staying in your budget) is finding the right neighborhood for you. This is a huge factor, in some cases, for determining the success of your move and how long you stay in one location. If you are like me, you want to do it as little as possible.
We all have different tastes, lifestyles, and needs so there is no best neighborhood to magically tell you about. The key to finding “your best neighborhood” is to evaluate and jot down what is important to you. Remember, one person’s paradise may be another person’s nightmare.
You are getting ready to purchase a home, and you hear someone mention Homeowners Insurance… Dun, dun, duuuuuuuuuuunnnnnnn! For many first time buyers, shopping for the best insurance coverage can be a downright scary task. Not only are you worried about finding the dream home that meets your budget, but now you have to think about things like premiums, flood zones, and liability coverage for it too.
Is it really possible that your little bundle of joy will cost you around a quarter of a million dollars even before you send them off to college? If you are thinking of having a child, there are a few things you have to count on being in your future, financially that is. Not to mention the surprises we didn’t count on along the way. Let’s talk about the big things that are definitely going to come our way.
Before we even get to meet our precious baby we have the expected cost of delivery, about $3,200, and also around the same amount to the delivery doctor and prenatal visits if you don’t have insurance. If you are lucky, you will have a perfectly healthy baby and they won’t have to stay in the hospital any longer than you have to. If not, add on a few more thousand to your hospital bill.
Insurance Agent Scott Ehrenfeld on our team has a lot of miles on his 14-year old F-150 (255k and counting). The car still tows his boat and except for his heat not working (which is rarely an issue in Southwest Florida, but funny to see him pull up driving it on the few cold days we have), his car is in excellent working condition.
When asked what has kept his car running so long, Scott simply answers BASIC ROUTINE MAINTENANCE. Here’s a few tips for you to keep your older vehicle in great working condition like Scott.
We've taken a ton of calls and emails today as a result of an article in the News Press about flood insurance in Fort Myers and the surrounding waterfront communities of Cape Coral, Bonita Springs and Estero. Below is a brief summary of changes that will go into effect on Oct. 1, 2013 as part of the Biggert-Waters Flood Insurance Reform Act of 2012 (BW12),
he Allstate Insurance Company today released its ninth annual “Allstate America’s Best Drivers Report®.” The report, based on Allstate claims data, ranks America’s 200 largest cities in terms of car collision frequency to identify which cities have the safest drivers.
When a Tropical Storm or Hurricane is on track to come for a visit, we tend to start thinking, "What If?" One of the questions that can come to mind is "Am I covered for insurance to protect my home and other investment properties?"
If you’re in an auto accident with another car or if you have a passenger(s) in your vehicle, then it is in your best interest and our recommendation to open a claim. There could be long-term health impacts for the drivers or passengers that would be covered under your insurance policy. If there is a chance someone else in the accident could claim they were injured, you should file the claim to protect yourself from an injury lawsuit.