Florida Home Insurance

 

bigstock-Southwestern-Tract-Home-404901Many homeowners in Charlotte County and the rest of Florida have experienced premium increases over the past few years. Our agency works very hard to bring our Florida clients the best possible combination of home insurance premiums, coverage, and service.

Finding the best home insurance in Florida means more than doing a late night search on the internet trying to find the least expensive plan available.

Florida Home Insurance

Insurance premiums collected by each insurer get pooled into one pot of money used to pay losses. There may be certain years when losses exceed premiums paid. In some cases, this occurs over a two or three year period. What Can We Do To Help?

We are an independent agency.  This allows us to search the market for the best possible combination of Florida home insurance premiums, coverage, and service. We compare insurance company’s rates and use the competitive market to your advantage. Here are some ways to save on your premiums:

  • Purchase all your insurance through our agency
  • Ask us about additional discounts
  • Consider increasing your deductible
  • Keep your home well maintained
  • Replace your roof, water heater and other equipment when needed
  • Review your policy regularly- you may not need the same kind of coverage you did a few years ago

Remember to call our office today. We will work hard for you. 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.

 

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Do You Love Your Valentine’s Gift? You May Want to Insure It.

jewellery-2043_640It is that time of year when many of us give that special person in our lives a gift that they will enjoy year round. Valentine’s gifts typically include watches, jewelry, art, cameras and other valuable items.

Whatever you may do this year, if you purchase an expensive item for that special person, make sure you get it insured. Most homeowners or renters insurance policies restrict coverage for items like jewelry to $1,000 dollars.  In addition, most policies cover named perils for fire and theft, etc.; however, they may exclude coverage for the ring that gets flushed down the toilet; that is unless the expensive item is scheduled. To cover such circumstances that the insurance industry has dubbed “mysterious disappearance”, you will need a valuable articles personal property endorsement on your homeowners or renters policy.

 

Tips to keep valuables safe

  • Have your jewelry appraised by a qualified jewelry appraiser for insurance replacement purposes
  • Take pictures
  • Keep items in safe place
  • Take off while working outside

 

Our homeowners and renters insurance can provide many benefits including:

  • Additional Living Expense -This coverage pays for the extra, above normal costs of expenses such as food and lodging incurred while the policyholder’s home is being repaired.
  • Extended Replacement Cost – Provides additional coverage up to 150% of the dwelling’s policy limits to rebuild your home in the event you suffer a covered loss.
  • Personal Liability Protection- Pays for bodily injury or property damage caused to others as a result of a covered incident.
  • Identity Theft Protection – Pays for expenses you incur as a result of criminal identity theft.

 

Call us today.  We can provide you will the right combination of coverage, and price, followed up with outstanding service.

Check your Credit Cards for Purchase Protection. 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.

 

 

 

Stop Porch Pirates This Holiday Season

southern-1212509_1920.jpgStop Porch Pirates This Holiday Season

The holiday season is filled with fun, parties, food, gift, overeating and unfortunately some risk. One of the fasted growing risks for many people is stolen packages by porch pirates. According to proopertycasualtiy360, over 26 million packages are stolen during the holiday season. Need more bad news?

Your homeowners or renter’s insurance generally may not cover this loss as it tends to be under your deductible. There could be coverage if you have personal property off premises insurance. Also for theft coverage to apply generally, you need proof of loss by a broker indoor, etc.

Call our office for a review of your homeowner’s insurance, as each policy is unique to your circumstances.

Things To Do

  • Delivery confirmation is a good way to prove the package was delivered.
  • Thieves will follow delivery trucks, waiting for the perfect target.
  • These thieves commonly strike during working hours as many homes are empty at that time.
  • You can insure your packages.
  • Consider having a person there when the delivery is scheduled.
  • Install a security camera.

High Tech Solutions

There are a few high tech solutions to consider.

  • Landport or BoxLock provides a delivery box on your porch that has an electronic lock.
  • Amazon Key, which has a fairly simple premise: When a delivery arrives at your house, and you’re not home, the courier scans a barcode that sends a request to Amazon’s cloud. If it’s approved Amazon remotely unlocks your door and starts recording video through the online retailer’s Cloud Cam.
  • Install a front door camera. Many shippers will not replace the item with this kind of device.

What To Do If A Package Is Stolen

  • Track your package. Check the delivery confirmation and tracking number.
  • Make sure a neighbor did not pick it up for you.
  • Contact the seller. Different retailers have different policies and processes for handling stolen items, but usually, you are entitled to a refund or a replacement item.
  • File a claim with the shipping company.

Check your Credit Cards for Purchase Protection. 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 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.

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?