Now Is A Good Time To Start Your 2018 Insurance Planning

insurance-1337564_640When was the last time you reviewed your personal insurance coverage? The 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 personal insurance coverage and price.

Items To Consider (you may need insurance for some of these)

  • Bought a new car or sold a car
  • Changed your marital status
  • Bought a boat, RV or ATV
  • Change of address
  • Welcomed a new baby into the family
  • Major inheritance
  • Have a new teen driver in the family
  • Child headed off to college
  • Purchased second home
  • Planned foreign travel
  • Started a home based business
  • I now drive my personal car for work

Personal Insurance

  • Review my insurance to make sure I have the right coverage
  • Take the time to read my insurance policies
  • Does my independent 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?

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.

 

 

 

Advertisements

Summer Can Be Risky Business For Your Florida Family

water-fight-442257_1920Florida Personal Insurance Update

With the summer months approaching, now would be a great time to review your homeowner’s and personal insurance program.  There is a large spike in auto accidents during June through August.  We offer a free review to assess your insurance needs, and we can recommend needed personal insurance coverage like a personal umbrella, cyber liability, and flood insurance.  Summer Risks Are Very Real.

Here are a few of the risks your family may face this summer:

  • Watercraft — Remember, your personal watercraft insurance does not cover racing. In addition, if your boat is over a certain length, you will need a separate boat policy.  Remember to have personal floatation devices for all people in the boat, and do not drink and drive your boat.  Venture beyond the geographic limits in the policy and the insurance may be nullified.
  • Travel — If you are planning a family vacation, make sure you keep your home safe while gone. Use timers on lights, cancel the mail and garbage, and do not post vacation pictures on social media while you are gone.
  • Swimming — Never leave a child unattended around water. If your child does not know how to swim, make sure they have a floatation device on at all times.
  • Bug Bites — If you are heading outdoors, be prepared for annoying critters. Use EPA-registered insect repellents* that contain at least 20% DEET (products include Cutter Backwoods and Off!  Deep Woods) for protection against mosquitoes, ticks, and other bugs.  Other repellents protect against mosquitoes, but may not be effective against ticks or other bugs.
  • Barbecuing — Never leave a barbeque unattended. Do not barbecue inside or in a garage.  If you receive a minor burn, hold the skin under cool running water for up to 15 minutes to reduce swelling or until the pain subsides.
  • Sunburns — Always use sunscreen, and if your skin is burned, mix one-part whole milk with one-part cool water and gently apply it into the affected areas with a washcloth.
  • Heat Stress — You may be having fun or working in the sun, but if it is hot, keep hydrated by drink plenty of water. Wear lightweight clothing and take breaks every hour or so.
  • Fire pits — Fire pits are becoming increasingly popular for outdoor entertaining. While some burn wood, others use propane or natural gas.  Keep kids at a safe distance and teach them that fire pits stay hot long after the flames go out.

Remember to always seek medical treatment if the injury warrants it. 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.

Amberg Insurance has consistently 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.

 

Amber insurance Protects Your Toys

Motor Home

How To Save Money On Your Toy Insurance

When it comes to RV, motorcycle, or boat insurance, having options can be a very important way to save money. Putting money back in your pocket is one of our primary goals. There are few joys greater in life than being able to escape the daily grind. Regardless of whether you are relaxing on your boat at the lake, traveling through the east coast, camping with friends and family or enjoying the open road on the bike of your dreams; you need to take the proper steps to protect what you have worked so hard to enjoy.

We know and understand the boat, motorcycle and RV insurance market.  This allows us to provide you with the best possible combination of pricing, coverage and service.

RV Insurance Rates

RV insurance rates differ from company to company, so it really pays to have us shop your insurance. Some markets offer better rates for trucks, RV and campers, while others can offer better rates for motorcycles.

How To Save On Toy Insurance

There are many things you can do to keep your auto rates at the lowest level possible.

We offer competitive prices plus convenient payment plans, and we’ll place your coverage with a company that has the financial stability to be there when you need them most. 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.

 

Is Your Boat Ready for Summer

BuckeyeLake_01 free

We know all boaters are busy preparing their boats for summer use. Remember, having the proper boat insurance will help ensure your activities are covered. Here are a few thoughts to help you as you prepare your boat for summer use. 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.

Boating Safety Tips

  • Have us review your boat insurance to make sure you are covered properly.
  • Make sure your boat trailer is insured.
  • Inspect your boat before heading out. Check for hull damage and loose fittings.  If the boat has a plug, make sure it fits.
  • Check the battery. If it has been a few years since the battery was replaced, it may be time.
  • Check all lights and the horn. You may have wiring that needs to be repaired for proper night use. Electrical fittings can be protected with a water-repellant, non-conductive grease or corrosion inhibitor.
  • Test all life jackets to make sure they are in good working order.
  • Take care of the engine. Flush your engine after every outing, and check everything from your fuel tanks to the clamps on your fuel line for rust, damage or corrosion.  Also, check your oil for correct levels, proper filtration, and cleanliness.
  • Check the tires on your trailer.
  • Make sure the bilge pump is properly working. Check all fittings and test the pump before use.
  • Do some research about boating laws and regulations. You might even consider taking a boating safety course. And never drink and drive a boat.

Remember, we provide insurance solutions for all your boating, RV, motorcycle and ATV 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.