Are There Insurance Lessons In TV Series “The Walking Dead”?

A Personal Insurance Update

The AMC TV show, The Walking Dead, has captured the interest of many of us.  It is still one of the most popular shows on TV.  While the chances of zombies roaming around an apocalyptic State of Georgia are remote, there are still many things we can learn from the show.

Depending on your coverage, chances are your homeowner’s insurance would cover a zombie attack.  If you have questions about other catastrophic coverage like floods, earthquakes, hurricanes, or loss due to ice or snow, call our office.

So, what real-life lessons can our zombie-battling friends on The Walking Dead teach us?   Here are a few.

  • Plan for disasters by having a plan. Make sure all family members know how to get out of the house in the event of a fire.
  • Stock up on non-perishable food items.  It is a good idea to have at least a week’s worth of food in case you are stuck at home.
  • Put together an emergency kit.  It should include one gallon of water per person per day for at least three days, a weather radio, a flashlight, batteries for your radio and your flashlight (plus extras), a first-aid kit, a whistle so you can signal for help, moist towelettes, garbage bags and ties (for personal sanitation), and a manual can opener.
  • Have emergency contact information loaded in everyone’s cell phone.

It is good to know that we do not have to worry about zombies for now, but there are many other disasters for which we need to be prepared.

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.

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

Pumpkin Carving Safety Tips

There’s no better way to celebrate Halloween than by carving up jack-o’-lanterns with the family and friends. This season, save the gore for your favorite scary Halloween movies and take precautions with these simple tips.

This Halloween, keep these safety tips in mind when you’re carving your pumpkin masterpiece:

TRIA orthopedic surgeon Yvonne Grierson, MD shares these tips:

  1. Pick the right pumpkin – Select a pumpkin that has a smooth surface and is light in weight.
  2. Carve in a clean, dry, well-lit area  Be sure to wash and thoroughly dry all the tools you will use. Any moisture on your hands or table could cause slipping, which may lead to injuries.
  3. Always use adult supervision  Let the adults or older children do the carving. Kids can still get involved with the process by helping pick out the pattern, drawing the pattern and cleaning out the inside of the pumpkin.
  4. Use the right tools or pumpkin carving kit – Kits include a small serrated pumpkin saw that typically work better than a sharp knife. A sharp knife is not always better because it may become wedged in the thick pumpkin tissue, requiring force to remove it. Injuries from a sharp knife are more likely to cause a deep penetrating cut.
  5. Get help for an injury – If you cut your finger or hand, bleeding from minor cuts will often stop on its own by applying direct pressure. If continuous pressure does not slow or stop the bleeding after 15 minutes, an emergency room visit may be required.

We offer a multitude of personal insurance options for individuals and families. Our personal coverages include; homeowners, renters, automobiles, motorcycles, boats, recreational vehicles, snowmobiles, flood, life insurance, and much more.

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. 

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.

Home Security Innovations

There is no question; not only has technology made our lives easier, but it is also keeping us safer and helping to keep insurance premiums lower. Let’s look at few ways technology has helped with your homeowner’s insurance.

These technologies can help lower your homeowner’s insurance cost. Many of these can be controlled through your smart phone, which gives you control no matter where you are.

Geofencing. This emerging security technology gives peace of mind by creating a virtual bubble around your home. When you’re out of the security bubble, you’ll default to “away” mode. If there’s movement within the bubble while you’re away, you’ll get a push notification.  

Smart Plugs or Outlets – Smart plugs, also known as smart outlets, can provide peace of mind if you wonder whether you remembered to unplug the coffee pot or the iron before you left home.

Sprinkler Systems – Home fire sprinkler systems are becoming very common in larger homes, and many new building codes require them in some homes. These systems are designed for new construction, but retrofitting costs are coming down as technology improves.

Leak detection systems for water heaters and gas lines – Many of today’s home security systems are designed to detect leaks, furnace failures, and other common household problems.

Smart Locks. No more worrying about forgetting to lock the door. With a tap of your mobile device, you can lock and unlock your home from anywhere. You can also program smart locks to automatically lock whenever you leave your home — reducing the chance of an incident. 

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. 

All of us truly value the long term relationship with our clients, and are proud to give families, individuals and businesses the personal attention required when it matters most. When claims arise, we realize that it can be very stressful and will do everything possible to assure timely and complete recovery.

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.

Social Distancing and Summer Fun

We are living in a new world, and it requires a new way of thinking about summer activities.  Many large events have been cancelled, and vacation plans have changed, but you can still have a great time with your family and friends this summer.

Social Distancing Fun:

  • Camp in your own back yard
  • Travel to the beach if it is open
  • Take a hike
  • Take a picnic to a lake
  • Enjoy an outside movie night
  • Host a virtual game night
  • Go fishing
  • Update your backyard
  • Complete home improvement projects

Remember To:

  • Wear a mask if it required
  • Wash your hands
  • Maintain social distance.  As you go about your life and errands, do your best to keep a distance of 6 feet

Who knows how long we will have to practice social distancing during the pandemic, but at least with these suggestions, you can still have fun while maintaining your six-foot bubble.

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.

Has Your Business Considered These Insurance Coverages?

Yellow Safety Helmet On Workplace Desk With Construction Worker

Every business needs business insurance.  But business insurance policies are all different. That is why it is always better to use an independent agent who knows and understand your business and industry. The insurance needs for a restaurant are much different than the insurance needs of a manufacturer, and the coverage should reflect that.

If you own or operate a business, you may want to consider these coverages as part of your business insurance package. Our keys to coverage will assume some of the obvious coverage such as property and liability.  We also want to identify some business insurance coverage you may not have considered.

  • Sprinkler leakage insurance–If your sprinkler system leaks and causes a loss to equipment or documents, do you have coverage?
  • Business income insurance–After a covered loss, you may have a period of recovery time when you are closed. Without business income insurance your business may run out of funds.
  • Umbrella Insurance–An umbrella policy provides extra insurance protection over your commercial general and auto liability policies. It is not uncommon for a business to be sued for over $1,000,000.
  • Cyber liability–Cyber breaches are the fastest growing causes for loss for most businesses. Every business needs the protection provided by cyber insurance.
  • Employee dishonesty–This policy protects employers from workplace theft and fraud.

Find out how your business can be protected by calling us today for a free business insurance review. Our philosophy is to help you identify and control both your insurance dollars and potential claims.

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 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.