Homeowner’s Insurance May Not Cover Theses

Homeowner’s insurance

home

Your home will be one of the most significant investments you will ever make, both economically and emotionally. Your family will spend countless hours there, among some of your most prized possessions. In the event of any misfortune, let us give you the peace of mind knowing that you are well protected.

Here are a few things not covered under a standard home insurance policy.

Business Activities

If you run an in-home business, your homeowner’s insurance will not cover the liability arising out of running your business. Homeowner’s insurance will also not cover damaged property owned by the business. We recommend you purchase a business owners policy.

Your Sewer Backed Up

Torrential downpours could cause sewer backups into your drains and basements, causing thousands of dollars in damage. Most sewer backups, however, are not covered under a standard policy, nor are they covered by flood insurance. The good news: You may be able to purchase a separate rider for protection.

Certain Dog Breeds

Certain dog breeds are also sometimes not covered under your homeowner’s liability insurance. While the list varies by insurance carrier, breeds that are large or thought to be aggressive—like pit bulls, Rottweilers and German shepherds may not be covered under your policy.

Flood

All homeowner’s insurance policies do not cover damage resulting from flood. You will need to obtain coverage through the Federal Flood program.

Wear & Tear

Insurance is designed to cover unexpected accidents. If your carpet is worn out, that does not constitute a covered claim.

ATV, Boats And Other Motorized Equipment

Recreational equipment such as an ATV used in your own backyard is not covered. If you take that same ATV off of your property and sustain a loss it is also not covered under your homeowner’s insurance. These items require separate insurance and we can provide you with options.

Items You Borrow

If you borrow your neighbor’s boat for the day and damage it, your insurance may not the pay for the damage or liability. The same would hold true if you lent your boat to your neighbor. Your boat insurance would be the policy that responds, if you had one.

Please call our office today if you need to make any changes in your insurance program. As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

How Our Agents Help Save You Money

Your Personal Insurance

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Our team of agents works very hard to make sure your premiums are as competitive as possible. There are many ways in which we help our clients keep insurance costs down. We also believe that it is equally important to have the right kind of coverage that meets your needs at a competitive price. 

Are you paying too much for your personal insurance? If you believe you are paying too much for your current insurance coverage, then the following suggestions may help you save money:

Auto Insurance Savings Tips

Ask about discounts

Most insurance companies offer discounts. While the availability of discounts will vary depending on your insurer, where you live, and whether you meet eligibility, make sure to ask if there are any discounts you can take advantage of.

Drive safely

OK, this one is obvious but true. Drivers with no accidents, tickets, or insurance claims, almost always pay less for their auto insurance coverage.

Good Grades 

Most insurance companies offer discounts to student drivers who have good grades.

Remove or reduce coverage on older vehicles.

If your car is getting up there in age, you may want to think about dropping the collision or comprehensive coverage (or both) on your policy.

Bundle your Services with one Agent 

Bundling your home and auto with the same agent often provides efficiencies in time and money.

Home Insurance Savings Tips

Raise your deductible

A deductible is the amount of money that you are responsible for paying toward an insured loss. The higher your deductible, the more money you can save on your premium.

Make your home more secure

Invest in a home security system. Having a smoke detector, burglar alarm or deadbolt locks on your home can earn you a 5% discount, depending on your insurer.

Bundle your insurance

Bundling auto and home insurance with the same company typically saves you 5% to 15% on your homeowners premium, according to data from the Insurance Information Institute. Again depending on your insurer.

Make improvements to your home

Updating your roof, furnace, water heater, or windows can help reduce your insurance cost.

If you’re a homeowner, your premiums could be quietly costing you more money than they should. The good news is that insurers provide relatively easy-to-obtain discounts that can shave money off your homeowner’s insurance premium.

Please call our office today if you need to make any changes in your insurance program. As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

Personal Umbrella Insurance

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3d illustration of crossword of various type of insurance policy

Personal Umbrella Insurance

You’ve worked hard to earn your lifestyle. Consider adding additional liability protection to your Auto, Home, Renters or Condo policy. Personal Umbrella Liability coverage added to your other policies can protect you, your spouse and any relatives living in your home.

Umbrella Insurance Protection

Umbrella Insurance provides extra protection or limits above the liability insurance you currently have. Just as an umbrella protects you from heavy rain, an umbrella insurance policy protects you from losing the entirety of your wealth and assets in the event of a claim. Umbrella insurance can provide limits above your business insurance, personal auto and home policies.

Umbrella insurance provides broad insurance beyond traditional insurance. It provides additional liability coverage above the limits of your primary insurance policies. It can also provide coverage for claims that may be excluded by the primary policies

It is true that personal umbrella insurance may not be for business or individual, but if you are a business, wanting to protect your company’s resources, building financial resources for your future, are a professional, own your home, boat or recreation vehicle, you should consider an umbrella insurance policy.  Having the added protection of an umbrella insurance policy is coverage no one should go without. Call us today, for a free review.

High Net Worth Individuals

Do you own a boat, second home or have other expensive toys? Often high net worth individuals need higher liability limits to protect personal assets. A simple rule is, the more you own the greater risk you may have of losing it. The nice thing about an umbrella policy is that it is competitively priced and can bring you great piece of mind.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

Your Guide To Personal Insurance For 2021

When was the last time you reviewed your insurance coverage? The start of a New Year is a great time to review your personal insurance. Most of us know that major life events can make it necessary to update our insurance coverage. But did you know that even subtle changes can have an impact on your financial needs and plans?  Call our office today, and we can help you find the right combination of coverage and price.

Insurance “To Do” List

General or Personal Items

  • Review my insurance to make sure I have the right coverage
  • Take the time to read my insurance policies
  • Does my agent have all my correct information, including new phone number, address, and newly purchased property?
  • Make sure I have identity theft insurance
  • Do I have enough life insurance?
  • Do I need life insurance for my spouse?

Auto Insurance

  • Check my credit score
  • Consider increasing my auto deductibles on my older vehicles

Home

  • Get a quote for earthquake or flood insurance
  • Combine my auto and home insurance to save money
  • Complete a home inventory to ensure my property values are correct
  • Consider purchasing or increasing my umbrella coverage

Safety

  • Consider an alarm system
  • Clean my gutters
  • Have I replaced all the batteries in my smoke detectors?

Have I experienced any of these changes?

  • Bought  a new car or sold a car
  • Changed your marital status
  • Bought a boat, RV or ATV
  • Change of address
  • Started a home business
  • Remote working in 2021
  • Welcomed a new baby into the family
  • Received a major inheritance
  • Have a new teen driver in the family
  • New purchases of guns, jewelry or art
  • Purchased second home

Please call our office today if you need to make any changes in your insurance program. As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

What Keeps You up at Night?

Every one of us has certain things that occasionally prevent us from getting a good night’s sleep.  These concerns might be a job, kids, an illness, or other problems in life.  Our goal is to make sure that protecting your family with the right insurance is one thing that does not keep you up at night.

Here is how we help you get a good night’s sleep:

  1. We never just sell you a policy.  We ask questions and educate you so that the coverage you select is the right fit for you.
  2. Insurance is a complex transaction, so we work hard to make sure you understand how insurance works before you make a decision.
  3. Our team is licensed, and we have years of experience which helps us better educate and guide you in your insurance needs.
  4. We are here to answer any questions you may have regarding your insurance decisions.

According to an Insurance Journal article, here are the top issues that keep people up at night:

  • Floods and other natural disasters
  • Identity theft
  • End of life issues
  • Eldercare

We can provide valuable information regarding each of these concerns so that you can make the right decision for you and your family.  Our team will never push you into a hasty decision.  That is because we will only offer you an insurance solution after we fully understand your needs.

Connect with us and let us show you how we do it—and help you get a good night’s sleep.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

Fire Up the Grill

There are many good reasons to have homeowner’s or renter’s insurance, and here are a few more. In 2019, 18,500 people went to emergency rooms because of barbeque related accidents.  Sixteen percent of home structure fires involving a grill were caused during ignition because something flammable was too close to the grill.  Twenty percent of all reported grill fires were a result of leaks or breaks.  Gas grills account for more home fires overall than do charcoal grills.  Emergency rooms see the use of gasoline on a charcoal grill as the most common error associated with burn cases.

You might think you know all you need to know about barbeque safety and grilling, but here are some reminders.  We want your grilling experience to be fun and safe for the entire family.

General Grilling Safety

  • Never barbeque inside, in a garage, on the roof, or on a second story deck.
  • Never leave your grill unattended.
  • If you are using a charcoal grill, let the lighter fluid soak into the coals a few minutes before lighting them so that any vapors have time to evaporate.  When you do light the coals, stand back.
  • Do not use lighter fluid on hot coals.
  • Open the grill lid before you light it
  • Do not wear loose fitting clothing.
  • Keep an extinguisher outside or close by.
  • Make sure you use the grill 10 feet away from your house.
  • Use the grill close to a water source.
  • Do not let raw meat sit out too long without being chilled or cooked.
  • Always wash your hands before and after handling food.
  • Do not over-indulge in alcohol while barbecuing.

We are committed to providing clients with the highest quality insurance plans available combined with some of the lowest possible rates. Whether you are shopping for auto insurance, home insurance, life or business insurance, we can help you obtain the best coverage available with the lowest rate possible.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

Florida Disaster Insurance

flash-731488_1920Can You Live Without Disaster Insurance?

Human caused disasters and natural disasters occur in every state. Florida has hurricanes and flooding, California has earthquakes and wild fires, Colorado has flooding and wildfires, the Northeast has winter storms and high winds, Florida has flooding and hurricanes, and the Midwest has flooding and tornados.

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. Florida Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Insurance And Disasters

It is safe to say that most business and homeowner’s insurance policies do not cover the risks associated with disasters. The only exception would be damage caused by wildfires. Let’s look at how insurance might apply to other disasters.

  1. Floods— Only 13% of U.S. homeowners had flood-insurance policies last year according to the Insurance Information Institute, a trade group. Flood insurance must be purchased through the National Flood Insurance Program. We can help you if you need the coverage.
  2. Hurricanes— Most property insurance policies provide coverage for losses resulting from hurricanes, except for flood loss associated with the hurricane. If you live in a high wind area, you will need to have a separate policy to cover your home and personal property.
  3. Mudslides— A standard home insurance policy does not protect your home against damage caused by a mudslide. Mudslides are usually defined as ground movement. Heavy rains that cause a mudflow would typically be covered.
  4. Heavy Rain and Storms— Winter storms and snow damage is covered under a typical homeowner’s policy. If flooding occurs, then the flood damage would be covered.
  5. Hail— Most homeowner’s insurance policies provide coverage for losses resulting from hail.
  6. Wildfires— It can be safe to say that all homeowner’s insurance covers loss resulting from a fire. Wildfires are considered a fire and would be covered.

Coverage disclaimer–the information provided here is for general purposes only. It is not our intent to change or modify insurance coverage. Each insurance policy is different and your individual coverage will be determined by the terms of your insurance policy.

By having an office in North and South Charlotte County, we can provide convenient and timely service to our clients. We would appreciate having the opportunity to serve as your insurance Agent for your personal and/or business needs.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

 

Spring Home Safety Tips

lawn-care-643559_1280Spring Brings The Need For Safety

Now that the weather is changing, many of us are heading outside to have some fun or start the home improvement projects that we have been planning for all winter.  However, before the outdoor fun begins, please remember to do it safely.  Every year, more than 60,000 people are treated in emergency rooms for lawn-mower injuries.

Stay Safe While Having Fun

As you plan your spring activities, remember these safety tips:

  • If you are going on a bike ride, be sure to wear a helmet. Verify that the helmet sits level on top of the head–not rocking in any direction–and always fasten the safety strap.
  • When using a barbecue grill, always be sure to leave sufficient space between the grill and your home’s siding and eaves.
  • Keep children and pets far away from the grill.
  • With gas grills, be sure that the hose connection is tight and check hoses carefully for leaks.
  • If you own a pool, install a pool alarm to detect accidental or unauthorized entrance into the water. Always have an adult in the area when children are using the pool.  Limit use of alcohol when enjoying your pool.
  • It is a good idea to do a safety inspection on all play structures, including tree houses. Inspect play structures for sharp screws, bolts, or nails.  Make sure the swing set is on a level area and the legs are properly anchored.
  • Do not leave tools or sharp objects in the back yard.

Stay Safe While Completing Work Projects

  • Spring is a good time to complete an inspection of all motorized equipment to make sure they are in good working order.
  • Always wear protective eye gear, shoes, and long pants when using gardening power tools to protect your eyes, legs, and feet from flying rocks and debris.
  • Never start your projects when you are tired. Fatigue can cause severe injuries with accidental slippage while using a dangerous power tool.
  • If you are digging around your yard, verify that there are no electrical or gas lines in the area.
  • Remember that your body may not be used to heat, so if it is hot be careful not to get dehydrated or even heat stroke. Hydrate yourself on a regular basis.

 

 

Our agency is committed to providing clients with the highest quality insurance plans available combined with some of the lowest possible rates.  Whether you are shopping for auto insurance, home insurance, life or business insurance, we can help you obtain the best coverage available with the lowest rate possible.

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

Amberg Insurance has been voted BEST INSURANCE AGENCY and BEST AGENT by the residents of Charlotte County and Harbor’s Hottest Insurance Agency by Harbor Style Magazine.

Tips for Working at Home

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Does COVID-19 Have You Working From Home?

Due to the stay at home mandate, there are many people who are working remotely these days.  It appears this mandate will last at least another month.  Many people have thought that working remotely would be great, but working remotely is a double-edge sword.  Sure, you get to stay home, but studies show that it can be harder to focus on work.

Benefits of Working Remotely:

  • Remote employees tend to be more productive
  • Remote workers cost employers less
  • Remote employees tend to be happier and more satisfied
  • Remote workers have a better work/life balance

Remote Workers Need to Be Aware of These Challenges:

  • Lack of a work routine
  • Tendency to over-work
  • Lack of human interaction
  • Prioritizing a work project
  • Interruptions from family, pets, phone calls, and the doorbell

How to Make Working Remotely Work for You

  • Confine your workspace to a specific area in your home.
  • Set up your workspace like your office.
  • Set a schedule and create a routine.
  • When in doubt, go with over-communication; update your boss frequently on everything you are doing, and whether your schedule and deliverables are changing in any way.
  • After work, stay off electronic devices for some time to transition to “home time.”
  • Take regular breaks.
  • Get dressed every day. Taking the time to get dressed and perform your usual self-care routine can prove a big psychological booster.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

 

 

Running Out Of Quarantine Activities? Here Are Some Fun Ideas

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While most of us are sheltering at home, hoping the COVID-19 pandemic passes as soon as possible, adjusting to a life of social distancing can be a challenge.

If you are getting to the point of running out of things to do, here are a few ideas to help you manage your time.

  • Set up a schedule for your kids that might include times for reading, schoolwork, exercise, and game time. Having a set routine can help maintain a sense of normalcy.
  • Schedule a “family happy hour” each evening before dinner. Use it as a time to talk about what is going on, future plans, or share fun family traditions.
  • Teach your kids to cook.
  • Have a family movie night with popcorn.
  • Set up an exercise routine. Run up and down the stairs.
  • Choose one room in your home to thoroughly clean and organize.
  • If the weather is pleasant, playing outside in your yard is a terrific option.
  • Take time each day to share something for which you are thankful. It can be difficult to deal with all the negative news right now, so share something positive.
  • Check out a video of people showing solidarity during this pandemic or read a positive story that you found online.
  • Take care of your physical health. Get the appropriate amount of sleep and exercise, and practice ways to reduce anxiety such as meditation, yoga, or listening to music.
  • Get out all those old-fashioned board games or play an electronic game or two. This would also be a great time to watch old family videos. Connecting with happier times is always good for our mental health.
  • Limit the news. For your own mental health and the mental health of your children, limit the intake of news.
  • Connect with old friends or family members via phone calls or video chat.
  • Plant a garden. Garden centers are open, and many are offering curbside service or home deliveries.
  • Clean out your garage and prepare unused items for a garage sale or donation.
  • Camp out in the back yard.
  • Make a family COVID-19 bracelet.
  • Listen to a podcast. To say that podcasts are having a moment is a massive understatement. There are wide ranges of podcasts available for listening enjoyment, including comedy, inspirational, self-help, or career guidance.
  • Learn a new craft. Have you ever wanted to learn to knit, crochet, or do woodworking? Now maybe the perfect time to learn a new skill. You can find plenty of instructions and YouTube videos online.

Be safe, be strong, #togetherapart

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.