Summer Can Be Risky for Everyone

download (1)A Personal Insurance and Safety update

Summertime means more of us are heading to the pool, lake, ocean, or river to relax and have fun.  Unfortunately, these activities can lead to accidents and injury.  Summer also brings increases in heat related illness and teen driving accidents, according to PC260.com.

It is also important to have a personal insurance review to make sure all your summer activities are covered.  For example, if you have purchased a boat, you may need a separate watercraft policy.  In addition, if you have installed a pool you will need to add that risk to your homeowner’s policy.  We want you to have an enjoyable and safe summer, so here are some reminders about summertime safety.

Some of the Top Summer Risks

  • River water can be very cold, especially as the early snowmelt flows downriver. Even if it is 100 degrees outside, the river water temperatures can be very cold.
  • If you are planning foreign travel, remember to check travel advisories. Also, be sure you have all your medical issues managed correctly.  Check with your health insurer, as many will not provide coverage in foreign countries.
  • Don’t forget your pets. Summer heat can affect your pets, so make sure they are not left in vehicles or in homes during long heat waves.
  • When you are on the water, do not mix drinking and water craft driving. Verify that you have life vests for everyone and keep life vests on all children all the time.
  • Heat stress is one of the most common illnesses during summertime. The risk of getting skin cancer is much higher among people who sunbathe, and especially those who have experienced multiple sunburns.
  • Barbecues and fire related risks increase during the summer. Always keep children away for open fires, and keep barbecues away from buildings.
  • When riding your bike we recommend you always use a helmet.
  • Do you know if your pool cage or supports are covered?

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.

2015 Florida Hurricane Season Is Here

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We are in the middle of the 2015 hurricane season and it is time to provide a refresher on hurricane safety and preparation. Make sure your homeowners insurance is up to date.

What is Florida Homeowners insurance?
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.

Remember The Key Terms

Hurricane Watch: A hurricane watch is issued when hurricane conditions are a real possibility for an area within 48 hours.

Hurricane Warning: A hurricane warning is issued when a hurricane is expected within 36 hours. Begin precautionary action at once. Important – once a Warning has been issued for our community insurance cannot be bound. If you are involved in closing on a new home, we recommend binding coverage early, especially in hurricane season.

Now is the time for you to build an emergency kit and create an evacuation plan.  For more information on this, go to http://www.ready.gov/american-red-cross

Hurricane Planning:

  • Review your insurance to make sure you have adequate coverage and limits.
  • Hold an annual family meeting to discuss issues and plans.
  • Develop an evacuation plan; this should include phone numbers, meeting places and routes of escape from your home, neighborhood and city.
  • Check your home for vulnerable areas, such as leaking roofs.
  • Make sure you have a secure place for recreation vehicles, boats, and motorcycles.
  • Make plans for your pets as well.
  • Notify neighbors and family members of your evacuation plan.
  • Plan for any special medical needs.
  • Make sure the gas tank in your car is full.
  • Anchor or stow small boats and RV’s.
  • Secure any outdoor furniture.
  • Secure buildings by closing and boarding up windows.
  • Trim any old trees.
  • Secure any antennas.
  • Make sure flashlights are working.
  • Evacuate, if advised to do so!

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.

2014 Atlantic Hurricane Season Has Arrived

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We are into hurricane season and it is time to provide a refresher on hurricane safety and preparation. We have been fortunate over the past number of years. The last hurricane over a category 3 that affected Charlotte County was in 2004–we all remember Charley.   Amberg Companies paid out in excess of 145 million in claims.  Will this year end the streak? There’s no way of knowing. Even during an inactive season, a single storm can leave its mark on history (think Andrew in 1992). Conversely, very active seasons like 2010 can yield no landfalls for the U.S. Within the season, the core months of Aug.-Sep.-Oct. comprise roughly 78% of the season’s total hurricane activity. Remember to have us complete a review of your home insurance to make sure you are properly covered.

Remember The Key Terms 

Hurricane Watch: A hurricane watch is issued when hurricane conditions are a real possibility for an area within 48 hours.

Hurricane Warning: A hurricane warning is issued when a hurricane is expected within 36 hours. Begin precautionary action at once. Important – once a Warning has been issued for our community insurance cannot be bound. If you are involved in closing on a new home, we recommend binding coverage early, especially in hurricane season.

Now is the time for you to build an emergency kit and create an evacuation plan.  For more information on this, go to http://www.ready.gov/american-red-cross

Hurricane Planning:

  • Review your insurance to make sure you have adequate coverage and limits.
  • Hold an annual family meeting to discuss issues and plans.
  • Develop an evacuation plan; this should include phone numbers, meeting places and routes of escape from your home, neighborhood and city.
  • Check your home for vulnerable areas, such as leaking roofs.
  • Make sure you have a secure place for recreation vehicles, boats, and motorcycles.
  • Make plans for your pets as well.
  • Notify neighbors and family members of your evacuation plan.
  • Plan for any special medical needs.
  • Make sure the gas tank in your car is full.
  • Anchor or stow small boats and RV’s.
  • Secure any outdoor furniture.
  • Secure buildings by closing and boarding up windows.
  • Trim any old trees.
  • Secure any antennas.
  • Make sure flashlights are working.
  • Evacuate, if advised to do so!

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.