Blog | Riverview, FL | Renee Scott Insurance

Understanding Your Homeowners Insurance Policy This Hurricane Season

Sat, 02 Aug 2025 18:15:51 GMT

Homeowners insurance is essential for protecting your home against unforeseen events. Understanding your policy—what it covers and what it excludes—is crucial to ensuring you’re adequately protected and avoiding unnecessary expenses. This guide will help you navigate your homeowners insurance policy by highlighting the importance of reading your policy documents, asking questions, and taking preventive measures to maintain your home.

What Your Typical Homeowners Insurance Policy Covers

Homeowners insurance policies typically cover a range of events, protecting you from significant financial loss. Common covered events include:

Storms : Policies usually cover damage from hurricanes, windstorms, and other severe weather conditions.
Hail Damage : Hail can cause significant damage to roofs, windows, and siding.
Fire : Fire damage is one of the primary risks covered by homeowners insurance.
Falling Objects : This includes damage from falling tree branches or other objects.
Vandalism : Coverage for intentional damage caused by others.

Understanding these covered events is vital for ensuring your policy meets your needs. However, it’s equally important to know what is not covered.

Common Insurance Policy Exclusions

Not all damages are covered by homeowners insurance. Common exclusions include:

Normal Wear and Tear : Insurance policies typically do not cover damages resulting from normal aging or usage of your home.
Construction Defects : Issues resulting from poor construction practices are generally excluded.
Foundation Failure : Structural problems with the foundation are often not covered.
Pet and Animal Damage : Damage caused by pets or other animals is usually excluded.
Mold and Fungus : Coverage for mold and fungus is often limited or excluded entirely.

Understanding these exclusions is crucial to avoid unexpected costs.

Understanding your homeowners insurance policy is crucial to saving money and ensuring you’re adequately protected. By knowing what is covered and excluded, reading your policy documents carefully, asking questions, and performing regular maintenance, you can avoid costly surprises and keep your home in excellent condition.

If you’re still looking for quality home insurance coverage you can count on, you can request a quote. We are here for you!

Water Damage Prevention During Storm Season

Sat, 02 Aug 2025 18:03:18 GMT

The body content of your post goes here. To edit this text, click on it and delete this default text and start typing your own or paste your own from a different source.

5 Ways To Prepare For A Storm

Tue, 24 Sep 2024 16:48:57 GMT

We want you prepared in a disaster. By taking a few simple steps when the weather is fair, you'll have the peace of mind of knowing that you will be ready should disaster strike. There are many steps you can take in the days before a storm that could lessen the damage to your property.

Find and review your policy .

Not having enough coverage can be just as traumatic as experiencing damage to your home and personal belongings. Take a few minutes to find and review your policy to make sure you have enough coverage. Speak with our offices about your hurricane deductibles and any other questions you might have.

Review your personal property coverage .

Over time, we buy, sell, and replace items in our homes. Have you looked at your personal property coverage (Coverage C) on your policy lately? You'll want to have enough coverage to repair or replace your personal property in case of damage to your home and belongings. Optional replacement cost coverage for your personal property allows you to replace or repair items that were damaged or destroyed based on current market prices. Without this coverage, your items will be valued at actual cash value (ACV), which is generally less than the cost of a new item. ACV is more like the price you would see at a garage sale. We recommend purchasing replacement cost coverage for your belongings.

Take photos - Exterior and Interior.

In the event you sustain damage, having photos will help your Claims Adjuster adequately assess your damages.

Assess your exterior .

Bring loose outdoor items such as patio furniture inside. They can often blow around and cause damage to homes. Also make sure to secure all doors on your property including the garage door which is the most vulnerable.

Move your car inside the garage or to another secure location.

Purchases ahead of the storm .

Take time now to prepare a hurricane emergency kit. Here are some items to include:

Hardware Items - batteries, manual bottle openers, battery operated radio, roof tarps.

Houseware Items - plastic trash bags, paper products, personal hygiene supplies, baby supplies, pet food, prescriptions, bleach, ice, bug spray.

Food Items - bread, shelf stable milk, canned foods, peanut butter & jelly, cereal and granola bars, etc.

We are here to answer your questions and provide advice during a weather related storm. Visit us on social media for additional tips.

7 Reasons Why Home Insurance Rates Are On The Rise

Sat, 11 Nov 2023 21:05:01 GMT

We understand the concern and curiosity surrounding the recent uptick in home insurance rates across the state of Florida. We receive questions almost weekly about the reasons behind these increases. We want to demystify the complexities that drive the increase in home insurance premiums.

Here are a few of the key factors influencing the current state of home insurance rates.

1. Natural Disasters :

Florida is prone to hurricanes, floods, and other natural disasters. There is increased risk of property damage due to these events, leading to higher premiums.

2. Catastrophic Events History :

From Hurricane Ian to Idalia, these recent catastrophic events have impacted the state, causing significant insurance claims. With many insurance carriers, these storms lead to an overall increase in insurance rates to cover the incurred costs.

3. Construction Costs :

The cost of construction materials and labor has been rising, affecting the cost to rebuild or repair homes. This increase in replacement costs contributes to higher insurance premiums.

4. Regulatory Changes :

Changes in insurance regulations at the state level has impacted insurance pricing.

5. More People in Florida :

Higher population density in areas can increase the risk of property damage and, consequently, insurance claims. With the significant population growth in specific regions, this has contributed to rate increases.

6. Reinsurance Costs :

Insurance companies often purchase reinsurance to mitigate the financial impact of large-scale events. Increases in the cost of reinsurance has affected the pricing of primary insurance policies.

7. Credit Scores and Insurance Scores :

Insurance companies often use credit scores or insurance scores as a factor in determining rates. Changes in creditworthiness across the population can also influence premium adjustments.

Despite the rise in insurance premiums, we have options to meet your insurance needs and discounts to apply to your home insurance premiums. We take the pain out of shopping for insurance. Give us a call today.

What is Citizens Insurance Depopulation?

Sat, 11 Nov 2023 19:42:29 GMT

Thousands of customers in the state of Florida are receiving letters from state-owned Citizens Property Insurance Corporation. It’s a letter from the Depopulation Unit stating their policies have been assumed by a private market company. The letter is alarming and can be very confusing to understand. We’re here to break it down.

Here are some frequently asked questions we receive.

What is depopulation ?

• Florida law requires that Citizens create programs to help return Citizens policies to the private market and reduce the risk of assessments for all Floridians.

• The Depopulation program works with private-market insurance companies interested in offering coverage to Citizens policyholders.

• Approved takeout companies can offer to take over your Citizens policy at any time during your policy period.

Do I have to leave Citizens ?

• Policies that receive an offer of coverage that is not more than 20% greater than Citizens' premium are ineligible to remain with Citizens.

What happens if I must leave Citizens ?

• If you must accept a private market offer of coverage, your policy will be assigned to the company you selected, and, in most cases, will be assumed on the assumption date indicated in your letter from Citizens. If your policy is assumed, you will receive a Notice of Assumption and Nonrenewal and Certificate of Assumption from Citizens.

What if I don’t select a company online ?

• Regardless of eligibility, if a choice is not registered by the date indicated in your Offer Form, Citizens will assign your policy to the private-market company that offered the lowest premium. If your policy is assumed, you will receive a Notice of Assumption and Nonrenewal and Certificate of Assumption from Citizens.

We are here to answer all your questions. Give us a call today.

Time for a Check-up!

renee@reneeisyouragent.com (Renee Scott) — Sun, 15 Jan 2023 02:26:57 GMT

The beginning of the year is the perfect time to complete your annual home check-ups. As responsible homeowners, there are a few things we should do every year to ensure our home is safe and running properly. Here are a few things which should be on your check-up list this year:

Conduct a Home Inspection

Take time yourself, or hire a professional, to check for damage such as cracks, leaks, and breaks in the interior and exterior of your home. Should areas of your home need repair, get them fixed as soon as possible to prevent further damage.

Complete Routine Maintenance

There are a few tasks at home which should be completed annually and it’s best to do them all at once in the beginning of the year. Tasks such as replacing your air filter, cleaning dryer ducts, and replacing fire alarm batteries are important to keep your home running smoothly and safely.

Update Your Home Inventory

In the event of a loss, having a home inventory can expedite the claims process. It’s important to create a home inventory and keep it up to date throughout the year. You can easily start yours by listing your belongings and their estimated value and be sure to keep more than one copy of your inventory in a safe and protected location. You can also take a video inventory of your items and store it on multiple devices.

Review Your Homeowners Insurance Coverage

Make sure you have the right coverage and best pricing by reviewing your policy online or with your agent. You can always make adjustments and add additional coverage as needed. Keeping your family and home adequately insured and protected is our number one priority. Call us today or schedule an appointment to discuss your individual needs.

What's the Difference between a Captive and Independent Agent?

renee@reneeisyouragent.com (Renee Scott) — Sun, 15 Jan 2023 02:01:04 GMT

During my time as a captive agent with State Farm, I often asked myself, should I become an Independent Agent or remain Captive. It's a great question that you may also ask yourself.

Let’s first outline what makes each of these approaches unique and more importantly why you may see one approach as more valuable for your situation.

Captive Agents

Major insurance carriers like Farmers, Geico and State Farm, to name a few, use captive insurance agents to sell their products. As part of the relationship between the captive carrier and the captive agent, agents in these positions can typically only sell the carrier's product lines and cannot offer additional options to their clients.

Having few product lines usually is advantageous to the captive agent because they can specialize in these products.

Training : Highly trained on their insurance company’s products, coverage options, policy guidelines and claim submission processes.

Compensation: New agents are often provided a salary, bonus or draw for a period of time when starting their agency to support them financially while they build their agency.

Commission : Nationally, commissions for captive agents are 6-10% with profit sharing opportunities.

Close Ratio : Amount of quoted policies that result in a bound transaction is typically around 15-25%.

Ownership & Control : While captive agents may have a buyout from their carrier, they do not own anything. They are not free to do whatever they choose with the book of business they’ve built, nor can they operate their business as they choose to.

Independent Agents

Independent agents are “business owners” and work for themselves. They are not exclusively contracted to work for one single insurance company and can sell policies from multiple providers. Oftentimes, independent agency owners represent 20-30 carriers dependent upon their market availability.

One of the major advantages of being independent is the agent can shop around to find their customer’s the best coverage for the best rate. The following items are applicable to the independent agent:

Training : Independent agency owners that are not with an alliance or group have access to carrier-level training but will be required to invest in their own specialized training to expand their product knowledge.

Compensation : There are multiple lines of revenue available to the independent agent to include commissions, incentives, bonuses, profit sharing and enhanced compensation for the larger agencies. However, as a business owner, independent agents only receive compensation for activity.

Commission : While captive agents on average receive 6-10% commissions on policies sold, the independent agent can receive 12-20% based on the type of policies written.

Close Ratio : Number of quoted policies that result in a bound transaction is typically around 40-50% because independent agents have more markets to find their clients.

Ownership & Control : Independent agents own their books of business and can transfer or sell the business to whomever they choose. Independent agents that are with an aggregator, in some cases, have unknowingly or willingly given the aggregator the control of their book ownership and are subject to the contract terms of their sponsor.

So, which one is better? Captive or Independent?

This question is difficult to answer because much of it depends on where you are today in your career. If you are a newly licensed agent, you may be able to greatly benefit from the support and training provided by a captive relationship. If you have plenty of experience and a track record of production, you will likely see the value of higher commissions and less oversight that an independent arrangement offers.

I started both of my agencies from scratch. There are pros and cons with each offering. Schedule an appointment to learn more about my journey.

CAUTION: Read Before you Sign!

renee@reneeisyouragent.com (Renee Scott) — Mon, 23 May 2022 02:13:33 GMT

Before you a hire a contractor, there are things you need to be aware of. Check out this list of important information regarding an increasing trend regarding Assignment of Benefits (AOB). Make sure you read the fine print before signing on the dotted line.

What is an AOB?

An Assignment of Benefits (AOB) is an agreement between you and a third party where you transfer your rights, benefits and financial interest in an insurance policy claim to another party. It is commonly used when hiring a roofer, contractor or water mitigation company to make repairs to your property. Once the AOB is complete, your insurance company must make payment directly to the party completing repairs and you LOSE the ability to deal directly with your insurance company for your claim. This is a legal arrangement but can allow unscrupulous contractors to submit improper claims, causing legal battles to ensue. You should ALWAYS contact your insurance company to notify them of damages before taking any action to make permanent repairs.

Warning Signs of AOB Culprits :

Someone knocks on your door to let you know you have damage you weren't AWARE of
Contract contains the words "Assignment of Benefit"
Contractor offers free services such as remodeling other areas of your home NOT affected by damage
The Vendor offers to handle your claim and pay your deductible for you
Vendors canvassing neighborhoods

What if you Sign an AOB?

ANY benefits received from your claim payments will go directly to the third party and not YOU
You LOSE all decision making ability about how the damage will be repaired and how long it will take

If you feel that something isn't right, contact your insurance company immediately.

Why Buy Flood Insurance?

renee@reneeisyouragent.com (Renee Scott) — Mon, 10 Jan 2022 17:18:25 GMT

No home is completely safe from potential flooding. Just one inch of water in a home can cost more than $25,000 in damage. Flood insurance can be the difference between recovery and financial devastation. Here are answers to some common questions:

I already have a homeowners insurance policy?

Most homeowners insurance policies doesn’t cover flood damage. Only flood insurance covers the cost of rebuilding the home after a flood.

My community has never flooded?

Flooding can happen anywhere at any time. Poor drainage systems, summer storms, neighborhood construction, and broken water mains can all result in flooding. In high-risk areas, there is at least a one-in-four chance of flooding during a 30-year mortgage.

I live outside of the high-risk flood area ?

Even though flood insurance isn’t required for your property, flooding can happen to anyone. From 2014 to 2018, policyholders outside of high-risk flood areas filed over 40% of all NFIP flood insurance claims and required one-third of federal disaster assistance for flooding.

Have questions about flood coverage? Contact our offices today to review your options. We are here to assist!

2 Common Types of Business Insurance

renee@reneeisyouragent.com (Renee Scott) — Wed, 06 Oct 2021 21:04:45 GMT

We are here to help with your commercial insurance needs!

All business owners will probably need several types of commercial insurance for financial and legal reasons. A variety of incidents can threaten your business including customer slips and falls, natural disasters and employee injuries. We will briefly discuss 2 of the most requested types of business insurance.

General Liability :

This is the most common business insurance coverage. This provides insurance coverage for your business against claims made by others including bodily injury, damage to property, or personal injury. Consider general liability if you or your employees:

• Interact with clients face to face

• Have access to customer’s property

• Use advertising to market your company

• Require coverage to be considered for a project or contract

Professional Liability :

This protects businesses from claims of professional negligence, both actual or alleged, and helps pay for defense costs. It’s sometimes referred to as errors & omissions insurance (E&O). This coverage is recommended if your business:

• Provides a professional service

• Regularly gives advice to clients

• Required to carry to complete a contract

In addition to these commercial coverages, we offer the following:

• Workers’ compensation (WC)

• Commercial auto

• Garage keepers Policies

• Business Personal Property (BPP)

• Business Office Policy (BOP)

Let Renee Scott Insurance help take the pain out of shopping for your commercial insurance needs. Give us a call today at 813-548-1985.

6 Homeowners Coverages You Need To Understand

renee@reneeisyouragent.com (Renee Scott) — Thu, 20 May 2021 15:24:46 GMT

Being a homeowner is exciting! However, your homeowners insurance policy may leave you with some questions. Every policy provides a package of insurance protection. We are here to help you take the guesswork out of your homeowners insurance policy.

What Your Policy Covers :

Dwelling - This covers your home and attached structures. It usually includes plumbing, wiring, heating and permanently installed air conditioning in the event of a covered peril.
Other Structures - Covers other structures or buildings that are detached from the main dwelling. Examples include sheds, fences and detached garages.
Personal Property - Your policy should reimburse you for covered damage or loss of your possessions. Examples include electronics, clothes, furniture and jewelry.
Loss of Use - Provides some reimbursement for additional living expenses if you need to vacate your home for repairs due to a covered loss.
Liability - Helps to cover your financial losses if you are found responsible for damage or injury to others. In some cases, it may even cover legal defense against a claim.
Medical payments - Your policy should cover the medical bills of people injured on your property.

We Are Here To Help !

With a variety of homeowners carriers available, we would love to assist you with competitive home insurance quotes and advice. Call us today at 813-548-1985.

4 Ways To Save On Your Homeowners Insurance

renee@reneeisyouragent.com (Renee Scott) — Mon, 08 Mar 2021 16:37:55 GMT

Your homeowners insurance premium may seem like a relatively static bill. You probably have more control over it than you think. Home insurers want to see their clients are doing everything they can on their end to protect their property. And making just a few tweaks to your home security can leave you with some extra cash in your pockets. Here are 4 ways you can save money on your home insurance:

1. Water Leak Detectors

A tiny leak in your home is remarkably easy to miss. A sensor-based leak detector will sense excess moisture in the air and then send an alert to your mobile device. To qualify for related discounts, you may need to put one in every room with pipes or have them professionally installed.

2. Burglar Alarm

Alarms play a strong role in deterring criminals, which is why you should always share your alarm certificate with your agent. Even if the police can’t show up immediately, they alert the authorities that something is wrong. Home insurance companies rest easier when they know their residents have protections against criminal activity.

3. Fire Protection

From a central fire alarm to sprinkler systems, homeowners can set up several protections to keep their property from going up in flames. A smart fire alarm will alert the homeowner of any flame detection (via a mobile device), while a sprinkler system will automatically activate in the event of a fire.

4. Electronic Policy

Paper isn’t free, which is why some home insurance companies will give discounts to those who sign up for electronic communications. This is a remarkably simple way to save money on your home insurance (and save yourself the hassle of filing all your documents).

Renee Scott Insurance wants you to save money on your home insurance whenever and wherever possible. The insurance carriers we offer provide discounts for all the above and more! To find out more about how you can have these savings applied, give us a call today!

3 Ways to Save Money on Your Auto Insurance!

renee@reneeisyouragent.com (Renee Scott) — Tue, 05 Jan 2021 21:14:40 GMT

It's the beginning of the year and we're all setting resolutions. Some of them include obtaining better control of our budget and finances. One of the largest expenses for most households is the cost of their auto insurance. We wanted to provide 3 ways to save on your auto insurance premium.

1. Pay Your Bills on Time :

Most people don't realize that the way they pay their bills directly ties into the cost of their auto insurance premium. Obviously, your driving record has an impact on the estimated risk your insurance company assumes by taking you on as a driver. There also are other risk elements that affect your car insurance, according to the Insurance Information Institute: where you park your car at night, your gender, your age and the kind of car you drive. Also relevant to your rate is your credit score.

Regardless of whether the use of credit history is fair, it is legal in all but three states. Work hard to improve or maintain your credit history by paying your bills on time and not skipping payments.

2. Pay Auto Premium in Full :

If your budget allows, paying your auto insurance premium in full can save you hundreds of dollars on an annual basis. Even if you aren't able to pay your annual or six-month premium in full, utilizing automatic debit or EFT can also save you on a monthly basis.

3. Use an Independent Agent :

Independent agents have access to multiple insurance carriers and can offer their clients more options. This means big savings for you. We'll look for the best value by finding the optimum combination of price and coverage.

We know these are difficult financial times for families. Allow us to take the pain out of shopping for insurance. Call us today to review your options.

Who Needs an Umbrella Policy?

renee@reneeisyouragent.com (Renee Scott) — Fri, 09 Oct 2020 21:05:56 GMT

If you experience a major insurance claim or lawsuit, your underlying policies such as auto, homeowners, or boat owners may not provide enough liability coverage. A Personal Liability Umbrella Policy may provide the additional liability coverage you need to help protect your financial future.

What does umbrella insurance cover ?

Personal injury coverage provides:

claims of libel, slander, defamation of character
Worldwide coverage: for incidents that happen abroad
Vacation rental liability: protection for accidents involving boats, jet skis, scooters and other rentals
Defense coverage: for legal fees and court costs

Who needs umbrella coverage?

Personal umbrella insurance isn't just for the wealthy. It's for everyone. That's why we offer comprehensive and affordable protection. Regardless of the car you drive or if you’re a homeowner, condo owner or renter, you could be vulnerable to legal action and large judgments. You’ll also want extra protection if you have an ATV, RV, boat, or motorcycle.

Avoid paying out of pocket if you’re liable on a large claim (here's an example):

Consider this scenario: You're sued for $1 million after an auto accident or an incident on your home or property. However, your insurance only covers up to $500,000 in damages (which is often the highest amount of liability insurance available for standard home and auto insurance). Your umbrella policy will cover the remaining $500,000 you're responsible for.

Call our offices today to find a plan that's right for you!

Got Renters Insurance?

renee@reneeisyouragent.com (Renee Scott) — Tue, 01 Sep 2020 20:32:23 GMT

Did you know that only 37% of renters carry renters insurance ? Compare that to 95% of homeowners that carry homeowner's insurance. (According to the Insurance Information Institute)

What Is Renters Insurance ?

Whether you rent a home, condo or an apartment, renters insurance covers your belongings, living expenses if your place is damaged, and can protect you from costly litigation or medical bills if you’re liable for someone’s injuries.

What Is Personal Property ?

Coverage for personal property includes clothing, electronics, furniture, tools, and appliances (even if the items are kept in storage or in your car, at the office or with you on vacation). Your possessions are covered against fire, theft/vandalism, tornadoes, water damage, and more. Keep in mind, you may need to add extra coverage for jewelry or other expensive items. You can add these during the renters insurance quote process.

Why Is Liability Insurance needed in the Renters Insurance policy ?

If you’re liable because someone is injured at your residence, personal liability coverage can pay for their medical bills up to the limits of your policy.

What does Additional Living Expenses cover in the Renters Insurance policy ?

If your place is damaged and you need somewhere to stay, your renters insurance can pay for your hotel/living expenses and even pays you back for meals (above what you'd normally pay).

Does Renters Insurance cover flooding ?

Like home insurance, renters insurance policies won’t cover damage from flooding. However, you’re typically covered for water damage to your personal property if it was sudden, accidental and came from the inside of your residence.

Call us today to discuss your personalized insurance needs. We are here to help!

RV Insurance 101

renee@reneeisyouragent.com (Renee Scott) — Mon, 10 Aug 2020 21:02:09 GMT

RV insurance is a contract between you and your insurance company that protects your motorhome, travel trailer, camper, fifth wheel, etc. You can choose from a variety of coverages meant to protect your vehicle and provide peace of mind on trips and vacations. If you're "driving" a motorhome, you'll also need liability coverage to stay legal on the road. But if you're "pulling" a travel trailer, most states won't require you to insure the RV, as you're already covered for liability on your auto insurance policy. When you buy RV insurance, we will ask simple questions about you, your RV, and how often you use it. You'll then select coverages that will best protect you and your vehicle.

Do I need motorhome insurance ?

Yes. You must have at least the state minimum for liability, since motorhomes are driven and not towed. When quoting motorhome insurance, all insurers will let you know the minimum requirements in your state. Failure to carry liability insurance could result in a revoked license, fines, or even jail time.

Do I need travel trailer insurance ?

Because you're not actually driving your travel trailer, you aren't required by law to have insurance on a vehicle that you tow with a car or truck. However, your travel trailer is often a valuable asset, and should be protected the same way you insure your home, car, etc. Most travel trailer policies include comprehensive coverage. It's up to you if you want to add collision, but most lienholders will require you to carry both.

We are here to answer all of your RV & Motorhome insurance questions. Give our offices a call today at 813-548-1985.

Got New Drivers?

renee@reneeisyouragent.com (Renee Scott) — Thu, 23 Jul 2020 17:15:39 GMT

Having a new driver in your home is scary and exciting all at the same time. You may even have anxiety about the increased cost of your auto insurance. I completely understand the feeling because I have a teen driver in my household. In most cases, you can easily add your teenager to your existing auto insurance if they have their driver's license. Here are some answers to the common questions I receive about youthful drivers.

Help! My teenager just received a permit. What next?

Congratulations! Immediately add your family’s newest driver to your policy by calling us or going online. As soon as your teenager is added, they will start building an insurance history which may help them save on car insurance rates in the future.

Do I have to add my teenager to my car insurance?

Auto insurance is required by law in most states, so if your teen plans to get behind the wheel, they need to be added to your insurance or purchase their own policy.

What is the average cost for teenage car insurance?

It’s no secret insurance for teen drivers can be expensive; they have a greater tendency to drive distracted, speed, tailgate, and not wear a seatbelt. That risk can result in higher car insurance rates. The exact price, however, can vary greatly based on age, zip code, driving history, gender, and type of vehicle.

What discounts are available for teenage drivers?

Good student : B average or better? Your young driver earns a discount for good grades.
Multi-car : If your teenager has their own vehicle, you may qualify for this discount.
Driving history: When your teen stays ticket free and accident free, they will typically qualify to maintain youthful discounts.

Enjoy this time in your son or daughter's life. Learning to drive is an exciting time for a teenager. We are here to walk you through the process. Relax and give us a call to discuss your insurance options.

Why Do I Need Bodily Injury Coverage?

renee@reneeisyouragent.com (Renee Scott) — Mon, 13 Jul 2020 04:39:07 GMT

If you cause an accident that injures other people, your Bodily Injury Liability insurance will pay the amount you are legally obligated to pay for those injuries and related costs, which can include:

Hospital and medical bills
Rehabilitation
Long-term nursing care
Funeral expenses
Lost earnings
Pain and suffering
Other damages

As part of your Liability Insurance, Bodily Injury coverage not only protects you from paying for these expenses out of pocket, but also pays for your legal defense if you are sued as a result of your involvement in an accident.

Everyone who drives a vehicle needs Bodily Injury Liability insurance to protect them if their vehicles cause an injury or death to another person, however, this coverage is not required in the state of Florida. Although it's not required, we highly recommend that you carry this coverage to protect your assets in the event of a loss.

Firework Safety

renee@reneeisyouragent.com (Renee Scott) — Mon, 06 Jul 2020 21:55:22 GMT

Based on the Consumer Product Safety Commission (CPSC), 57% of firework injuries were burns. 30% of firework burn injuries affected the hands & fingers. 23% impacted the legs. Here are some quick safety tips for you to consider:

If you plan to use fireworks this season, please adhere to the following:

Never allow young children to play with or ignite fireworks.

Avoid buying fireworks that are packaged in brown paper because this is often a sign that the fireworks were made for professional displays and that they could pose a danger to consumers.

Always have an adult supervise fireworks activities. Parents don't realize that young children suffer injuries from sparklers. Sparklers burn at temperatures of about 2,000 degrees - hot enough to melt some metals.

Never place any part of your body directly over a fireworks device when lighting the fuse. Back up to a safe distance immediately after lighting fireworks.

Never try to re-light or pick up fireworks that have not ignited fully.

Never point or throw fireworks at another person.

Keep a bucket of water or a garden hose handy in case of fire or other mishap.

Light fireworks one at a time, then move back quickly.

After fireworks complete their burning, douse the spent device with plenty of water from a bucket or hose before discarding it to prevent a trash fire.

Make sure fireworks are legal in your area

Please enjoy this holiday season with your family safely!

Why Do I Need Flood Insurance?

renee@reneeisyouragent.com (Renee Scott) — Thu, 18 Jun 2020 15:56:33 GMT

Flooding can happen to anyone, anywhere, causing damage to your home or business. With June being the start of hurricane season, it's time to review your coverages. During hurricane season, the risk of flooding is even greater.

Did you know......

Your homeowner's policy typically doesn't cover flood damage
Just 1 inch of water can cause $25,000 of damage to your home
There is a 30 day wait period with the purchase of flood insurance (don't wait to purchase coverage)
Flood can result from storms, hurricanes, drainage system backups and broken water mains

Call us our offices to discuss your options.