How To Stay Safe And Happy This Thanksgiving

happy-thanksgiving-1842909_640The Thanksgiving Holiday is filled with family, friends, shopping, eating and drinking. All these can be great but can also lead to increased chance of accident and injuries. During this season of thanks, we offer a few tips to keep you safe.

Thanksgiving Party Tips

  • Limit the use of alcohol.
  • Stand more than an arm’s length away from munchies, like a bowl of nuts or chips, while you chat so you’re not tempted to raise your hand to your mouth every few seconds.
  • Don’t try to lose pounds during the holidays, instead try to maintain your current weight.
  • Avoid fast-food places that emphasize red in their color schemes. Red stimulates your appetite.

Shopping Safety Tips

  • Always be aware of your surroundings.
  • Put your shopping bags in your trunk.
  • NEVER leave car doors unlocked or windows open.
  • ALWAYS park in lighted areas. Do NOT park in remote areas.
  • Keep receipts in your wallet or purse.
  • Avoid carrying large amounts of cash.
  • If you make expensive purchases like jewelry or guns, call our office as we may need to add these to your policy.

Driving Safety

  • Never drink and drive.
  • Plan your route in advance and check traffic reports and weather conditions before you leave.
  • Be prepared for emergencies – keep a blanket, boots, an extra pair of gloves and a flashlight in the trunk of your car.
  • Long trips are tiring and fatigue can be deadly when you’re driving. Driver fatigue was a factor in 65 road deaths and nearly 1200 injuries last year. Plan to get enough rest beforehand so that you drive fresh.
  • Have roadside assistance contact information on hand, in case an incident occurs on the road.

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.

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

We wish all of you a Happy Thanksgiving, we appreciate your business.

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Personal Umbrella Insurance

Umbrella InsurancePersonal 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.

 

Don’t Get Wet… Florida Boating Safety Tips

freedfcv5Summer is here and that means it is time to get out on the water.  We hope that you and your family have a great time.  But remember, your watercraft needs to be insured, and we can provide a full range of watercraft insurance products for you. Your boat will need insurance for watercraft liability, damage to the hull, and personal property.

Watercraft insurance policies can cover damage to your boat, motor, trailer, and personal effects in the boat.  Available coverage includes liability, medical payments, coverage for injury to a water skier, and damage to the boat itself, sometimes called hull coverage.  Availability varies by state and by insurance company.  Even though boat insurance premiums are low, shopping your rate can sometimes save a substantial amount.

Here are some things to think about before you take your watercraft out:

Watercraft Safety

  • Follow all safety rules. According to the U.S. Coast Guard, 75% of reported water fatalities in 2014 happened on boats where the driver had not received boating safety training.
  • Be aware of weather conditions.
  • Have operable boat lights. Always test boat lights before the boat leaves the dock and carry extra batteries.
  • Never allow passengers to ride on gunwales, seatbacks, or outside of protective railings, including the front of a pontoon boat. A sudden turn, stop, or start could cause a fall overboard.
  • Follow speed laws around houseboats and docks.
  • Know your boat’s capacity and how to properly load it. An overloaded or improperly loaded boat can cause safety problems.
  • Have a working marine radio on board at all times and know how to use it.
  • Ventilate after fueling. Open the hatches, run the blower, and check for fuel fumes before starting the engine.
  • Infants and young children are at a higher risk for hypothermia, so if you are taking a baby on a boat, just take a few extra precautions to keep your baby warm.

 

Boat or Marine insurance is available for small boats, yachts, high performance powerboats, live-aboard houseboats, catamarans, and pontoons. Marine insurance will cover intended use including personal recreation, commercial, or charter vessels.

Call us today, and have a great time on the water!

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 insuran

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.

 

Can That Be Covered?

shield-2300042_1920Homeowner’s Insurance Update

How many of you have actually read your homeowner’s insurance policy? We guess not too many. We do recommend that you read your policy to help you understand what coverage you have. Most homeowners are familiar with the basic coverage found their homeowner’s insurance policy; including coverage for the home itself, personal property and liability associated with owning a home.

Are There Other Coverages?

There is often other coverage found in your homeowner’s insurance policy that you may not know you have. Remember, each policy is different, so these coverage examples are general in nature.  This “hidden” coverage may have specific limits and terms of which you need to be aware, but here are some examples of coverage found in most homeowner’s insurance policies.

  • Liability coverage away from your home. You have coverage if you cause injury to a third party away from your premises.
  • Damage to your neighbor’s property. If you are at a party and cause damage to your neighbor’s property, chances are it would be covered.
  • Legal expenses. Should you be sued for an accident that occurred in your home, chances are legal costs would be covered under your homeowner’s insurance policy.
  • Additional living expenses. Your policy can pay the additional costs of living away from home if you cannot live there due to damage from an insured loss. It covers hotel bills, restaurant meals and other costs, over and above your usual living expenses, incurred while your home is being rebuilt.
  • Many homeowners’ policies provide a small amount of coverage for stolen money.
  • Property of your college student. If your dependent child is a full-time college student living on campus, their property is covered by your homeowner’s insurance policy

It is important to note that not all homeowner’s policies are created equal, and what one company offers may not be the same as another company. Also keep in mind, if you bought your policy online, who really knows what coverage you have?

 

Planning a Safe Family Vacation

holiday-389978_640Planning a Safe Family Vacation

We all want our family vacations to go perfectly, but even with the best intentions, things can happen.  Ticket mishaps, delays, schedule changes, auto accidents, and more can cause your vacation to be ruined. Your personal insurance program can be expanded to include travel and accident insurance. Call our office for a free review.

Vacation Pre-Planning

A little work in advance can help reduce the likelihood of bad things happening on your vacation.  Here are some things to consider before you leave home:

  • Make sure all your insurance is paid and up to date.  Having your auto insurance lapse due to non-payment would not be a good thing while you are driving to Disneyworld.
  • Do not take all your credit cards with you.  Take only the ones you will need.
  • Create an itinerary of where you are planning to be and on what date. Give this to a neighbor or relative.
  • Make copies of passports if traveling out of the country. Give a copy to a relative or friend.
  • Never wear anything that projects affluence (i.e. gold chains, expensive watches, rings, high-end luggage, or other paraphernalia).  It is best to leave your expensive jewelry at home.
  • Never put your home address on your luggage tags. Write your phone number instead.
  • Wait until you get home to post your vacation pictures on social media. Facebook is a goldmine for burglars.
  • Always lock your car, and never leave anything of value inside.
  • Do not use wireless networks in cafes or coffee shops.
  • Be aware of animals.  In some foreign countries, people will place a monkey on your shoulder and make you to pay to get it off!
  • You will need special auto insurance if you plan to drive into Mexico.
  • Separate your money so your spouse has a portion and you keep a portion.
  • Do you really want your first motorcycle ride to be in Mexico? Do not rent equipment or vehicles with which you are not familiar.

We offer commercial and personal insurance to ensure that you are protected from catastrophe.  Our staff is dedicated to providing all of our clients with complete coverage at the best rates our companies can offer.  Our years of experience and education allow us to guide our clients in making well-informed decisions regarding their insurance needs.

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’s Under Your Roof?

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A Home Insurance Review

Have you ever stopped to think about all the things that could cause damage to your home and personal property? Probably not, but we think about your personal insurance coverage every day. Your homeowner’s insurance is designed to protect you from claims that can come from many different events. We can design a homeowner’s insurance product that fits your individual needs. Here are a few of the kinds of events that can be covered under your roof.

Damage To Your Home Can Include

  • Fire and smoke damage
  • Lightning strikes
  • Falling objects
  • Explosion
  • Vandalism and malicious mischief
  • Theft
  • Windstorms and hail
  • Water damage
  • Damage from an aircraft, car or vehicle

What is Not Covered Under Your Roof

A standard homeowner’s insurance policy will not cover; earthquake, flood, wear and tear, damage from animals, mold, acts of war, government actions, tenant damage, defective work, plus others.

Personal Property

Your homeowner’s insurance can also cover your personal belonging. This might include; clothes, furniture, and other items.

Do You Have A Leak In Your Roof?

Do you have coverage for additional living expenses if you are required to move out of your home while it is being repaired? If you own guns, art, or other collections, you may need additional coverage. Is your expensive jewelry cover while away from your home? If you don’t know the answers to these questions, call us today.

It is important to note that not all homeowner’s policies are created equal, and what one company offers may not be the same as another company. Also keep in mind, if you bought your policy online, who really knows what coverage you have?

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.

 

 

Time To Clean Up After Storms

bigstock-ANDOVER-NJ--OCT---An-uproo-39209893Many homeowners are starting to clean up after our recent storms. There is an aftermath including tree removal, roof repair and general yard clean up.  Remember your homeowner’s insurance may provide some coverage so it pays to call our office for a review. If you wait to ling to report a claim it may be denied.

Home Clean up tips

  • Check for mold. If you had water damage, there might be a mold issue. Check attics for mold.
  • See The CDC, Mold After a DisasterCDC Flood Web site, and Homeowner’s and Renter’s Guide to Mold Cleanup After Disasters
  • Replace drywall and insulation that has been contaminated with flood waters
  • Check your gutter and roof for damage.
  • Clean up damaged trees. This may mean trimming branches that could create a liability issue.
  • Fix any window damage including broken glass.
  • Fit any damage to siding.
  • It may be necessary to hire a professional to help you with major repairs.

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.