Are You A High Risk Driver In Florida?

A “high-risk” driver is generally defined by the auto insurance companies as someone who has a higher risk of having an auto accident. Auto insurance companies often see high-risk drivers as undesirable, as they may end up costing a great deal in claims.

Why you may be defined as a high risk driver?

  • You have multiple accidents or tickets during a specific period of time.
  • You have a DUI.
  • You have a serious violation.
  • Any accident that results in a fatality.
  • Driving without a license.
  • Driving without insurance.
  • You drive an exotic car.
  • For whatever reason, your auto insurance has lapsed.

How to get auto insurance if you are considered high risk

  • You may need non-standard insurance.
  • SR-22 insurance for specific situations.
  • Allow your agent to shop auto insurance for you.
  • Determine what auto insurance discounts you may be eligible for.
  • Improve your driving skills.
  • Consider a lower risk car.

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 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.

Does Your Auto Insurance Cover Damage Done During a Protest or Riot?

Recently we have seen streets filled with vehicles damaged form rioters.  Damage can be a simple scratch, windshield damage, or even a fire.  The question is, “Are these kinds of losses covered under a standard auto policy?”

It is normal for people to be worried about their cars if they live in an area with active riots.  Insurance coverage that covers acts of vandalism is not part of the auto liability insurance.

According to the industry-backed Insurance Information Institute, this type of damage typically is covered under optional comprehensive insurance plans.  This coverage provides reimbursement for damage to the vehicle and its contents caused by fire, falling objects, vandalism or rioting.  Approximately two-thirds of policyholders have this coverage.  However, each policy is different so the actual coverage will depend on your individual auto policy terms and conditions.

A Few Things to Remember

  • If the damage is covered it will be subject to your policy deductible.
  • You should report the claim as soon as possible, especially if someone was injured.
  • Windshield or glass claims are often covered on a first-dollar basis with no deductible.  However, they can also contribute to increased rates.
  • Collision coverage may apply if the vehicle was moving during the time of the damage.

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.

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.

 

Coronavirus Will Have An Impact The United States

virus-1812092_1920The Centers for Disease Control recently stated that the Coronavirus will have an impact in the United States.  Currently, the death toll from the Coronavirus is over 2,700 worldwide.

People who contracted the virus have reported symptoms that include fever, chills, headaches, difficulty breathing, and a sore throat.  Now is a good time to start thinking about how you might protect yourself and your family from contracting this virus.

The World Health Organization and the CDC recommend that you take the usual precautions to help prevent the spread of respiratory viruses including:

  • Wash your hands often with soap and water or use an alcohol-based hand sanitizer.
  • Cover your mouth and nose with your elbow or a tissue when you cough or sneeze.
  • Avoid touching your eyes, nose, and mouth if your hands are not clean.
  • Avoid close contact with anyone who is sick.
  • Clean surfaces you often touch.
  • Stay home from work, school, and public areas if you are sick.
  • Check with your doctor if you have a fever, cough, and difficulty breathing, and tell your doctor about any recent travels.
  • Avoid eating raw or undercooked meat or animal organs.
  • If you are visiting live markets in areas that have recently had new coronavirus cases, avoid contact with live animals and surfaces they may have touched.

Traveling

If you do get sick while traveling, it is important to know the signs of coronavirus and seek immediate medical attention if you believe you have contracted the virus.

Symptoms might include fever, cough and shortness of breath. It is important to note, however, that the coronavirus symptoms are common to a number of viruses.

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.

 

We Are An Independent Agent… Why?

 

Consulting Concept And Business Man.Amberg Insurance is an independent agency. This means we don’t work for anyone insurance company. We have access to many markets that specialize in home, auto, business, health, and life, giving us the ability to shop your account and search the market for the best option for you. With captive insurance agents (Non-Independent), you may only get the guidance of one company that sells one brand of insurance.

The Value of Amberg Insurance

  • We know and understand your industry.
  • We have over 40 years of service.
  • Our focus is exclusively on understanding the unique needs of our clients.
  • We will work with you to make sure your claim is processed to your satisfaction.
  • We provide a number of coverage options.
  • Are not obligated to any one company.
  • We search the market for the best combination of price and coverage.
  • We are licensed professionals with strong customer and community ties.
  • Our staff is qualified and trained to explain coverage in understandable language.
  • We can review coverage and make necessary changes based on your needs.
  • Amberg Insurance are local, real people, we live and work in the community.

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.

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.

There is no singular insurance company that is the best for everyone. As independent agents, we can find the right company for your specific needs. And as your needs change, we’ll always have an insurance company that is right for you.

 

2020 Insurance Buying Tips From Amberg Insurance

Creative Idea Of Power Thinking Concept, Paper Lightbulb DesignNow that 2017 is here, it may be time to consider reviewing your personal insurance program. Most people don’t take time to review exposures, options, or their current economic condition before making their insurance purchase. We want to help you, so we prepared these insurance buying tips for 2017.

  1. Don’t buy insurance through the internet – Call our agency and let us provide outstanding service along with competitive pricing.
  2. Maintain good credit – Regularly check your credit score, since a low score may impact your premium.
  3. Review your auto limits – If you have limits of less than $100,000, that won’t even cover the medical bills in a serious accident. The minimum liability coverage that anyone with any assets or income to protect should be carrying is $500,000 to $1 million or more.
  4. Maintain a home inventory – Having an accurate account of your personal property can provide for greater recovery in the event of a loss.
  5. Bundle your insurance – Combine your auto, home and umbrella policies with one Agency to receive better and easier service.  Someone who knows “you”.
  6. Set the right deductible – A higher deductible reduces your premium, but you have to pay more out of pocket in the event of an accident. If you have a good driving record and haven’t had an accident, you may want to gamble and opt for a higher premium. The reward for this risk could be up to a 40% savings.
  7. Consider Identity Theft – Identity theft is one of the fastest growing crimes in the U.S.
  8. Buy from a financially strong company – Your insurance is only as good as the company who stands behind the policy.
  9. Be prepared to make adjustments as your lifestyle and needs change.

Call us today and let us help protect what is important to you. 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 To Prepare For Holiday Home Safety

christmas-card-2945633_1280The Holidays are almost upon us, and if you have been to any department store, the sounds of Christmas are ringing out. According to the U.S. Fire Administration, over 400 homes are destroyed annually by causes related to Christmas tree fires. According to the U.S. Consumer Product Safety Commission hospital emergency rooms treat over 12,900 people each year for injuries such as falls, cuts and shocks related to holiday lights, decorations and Christmas trees. Before you put up the lights or cut down the tree, we wanted to provide you with a few safety reminders to keep you and your family safe this holiday season.

The Tree

  • Keep Christmas Trees Fresh; water regularly.
  • Keep trees away from heat sources.
  • Take Christmas trees down before January.
  • Do not burn the trees in your fireplace.
  • Avoid placing breakable tree ornaments, or ones with small detachable parts, on lower branches where small children or pets can reach them.
  • When purchasing an artificial tree, look for the label “Fire Resistant”.

Lights

  • Only use lights that have been tested for safety by a recognized testing laboratory.
  • Never string together more lights than are recommended by the manufacturer.
  • Make sure extension cords are rated for the intended use.
  • Before using lights outdoors, check labels to be sure they have been certified for outdoor use.
  • Turn off all holiday lights when you go to bed or leave the house.
  • If you use a timer for your outdoor lights, make sure it is rated for outside use.
  • Outdoor lights and decorations should be plugged into circuits protected by ground fault circuit interrupters (GFCIs)

Ladder Safety

  • When putting up holiday decorations, always use the proper step stool or ladder to reach high places. Don’t stand on chairs, desks, or other furniture.
  • A straight or extension ladder should be placed one foot away from the surface it rests against for every four feet of ladder height.
  • Use ladders with slip-resistant feet.
  • Never stand on top two steps.

Enjoy the season with family and friends, and never drink and drive.

 

 

Give us a call so we can provide you with options.

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.