Keep Your Florida Home Safe This Summer

 

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Florida Home Safety

As you head out this summer for that Griswold family vacation, take a few moments to protect your home so it will be there upon your return. While homeowner’s insurance covers many types of losses, the following facts and safety tips might just help prevent a loss from happening.

Home Burglary facts (Source FBI, Harris Interactive Polls)

  • 23% of burglars get in through the back door.
  • Homes with security systems have a 30% less chance of being targets.
  • A majority of convicted burglars say they avoid homes with alarm systems.
  • 20% of homeowners say they leave their doors unlocked.
  • Burglars will use social media to select targets.
  • The average cost to replace stolen items is $4,200.
  • Almost 50% of homeowners do not have a home inventory.
  • A home is broken into once every 15 seconds.

Home Insurance Vacation Safety Tips

  1. Stop the paper and garbage.
  2. Keep valuables in a locked safe.
  3. Lock up all guns.
  4. Turn off water to the house to prevent damage while you are away.
  5. Tell neighbors about your trip. Have them watch for deliveries.
  6. Don’t take all your credits cards on vacation, only take the ones you may need.
  7. Use automatic lights to give the appearance of someone being at home.
  8. Pay all your bills so that key utilities don’t get turned off.
  9. Inform your credit card companies where you plan on traveling. This information will alert them to any fraud.
  10. Mow the lawn before you go to make it look like you are at home.
  11. Give you itinerary to a family member.
  12. Don’t post vacation pictures on social media sites until your return home.
  13. Have us complete a free home insurance review before you go.

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 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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The Risks of Owning a Swimming Pool

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Summer is here and many of us are enjoying our backyard swimming pool.  It is good to remember that owning a pool not only has liability risks, but there are property risks as well. However, most important is keeping your friends and family safe, so here are a few pool safety reminders.

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

Property Risks and Pools

Some insurance companies consider a pool to be an external structure, and it may not be covered under your personal property.  If that is the case, your pool needs to be declared and listed on the policy, just like a shed or any other extraneous structure.

  • Pumps and related equipment can be damaged. Make sure your homeowner’s policy will cover this kind of equipment, including equipment failure
  • Water damage to the pool. Unless the damage is a result of a covered event, there is no coverage for cracks in the pool and related walkways.
  • Falling objects like trees may be covered.
  • Faulty workmanship is not covered under a homeowner’s policy. If you have a contractor working on your pool, make sure they have the proper insurance.
  • Are your pool cage supports or screening covered? They can be but it depends on your homeowners insurer.

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.

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.

 

How to Keep Your Florida Home Safe While on Vacation

bigstock-Concept-or-conceptual-black-pl-47908673Summer 2016 Vacation Safety

Your family is on vacation having a great time, when you get a call from the police department telling you your home has been burglarized, and your identity may have been compromised.  Chances are your Florida homeowner’s insurance will cover you, but a little prevention might have prevented the loss.  There are things that you can do to deter or prevent a break-in while you are on vacation.  The basic idea is to do everything you can to make it look like there are still people and signs of activity in the home.

Home Burglary facts (Source FBI, Harris Interactive Polls)

  • 23% of burglars get in through the back door.
  • Homes with security systems have a 30% less chance of being targets.
  • A majority of convicted burglars say they avoid homes with alarm systems.
  • 20% of homeowners say they leave their doors unlocked.
  • Burglars will use social media to select targets.
  • The average cost to replace stolen items is $4,200.

Follow These Homeowner’s Tips before You Go on Vacation

  • Set electric timers for interior and exterior lights.
  • Stop all mail.
  • Do not leave any spare keys hidden outside the house.
  • Tell your neighbors that you are leaving.
  • Almost no one remembers to turn down the temperature on the water heater. This can be an excellent way to save electricity as well.
  • Do not take all your credits cards on vacation, only take the one or two you may need.
  • Don’t post vacation pictures on social media sites until your return home.
  • Complete a home inventory and keep it in a safe place.

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.

 

Black Friday Shopping Tips

Florida Shopping Safety As We Move Into The Holiday Season

Black Friday is coming and that means we are in the middle of the Holiday Season. During the next 45 days, we will all be busy shopping, eating out and traveling. Crime rates tend to have a slight up-swing as spending is increased. This is due, in part, to shoppers carrying more cash and credit cards with them while shopping, shopping later than usual, and the relaxed, easy-going attitude that comes with this time of year.

Identity Theft

40% of those who shop online don’t check to see if a website is secure before entering.

  • Watch for fake deals and fake websites; only purchase from known sites and retailors.
  • Use credit cards rather than debit cards. As a consumer, you have protection guaranteed by U.S. Federal law when you swipe a credit card.
  • Write “check photo ID” in ink on the back of your credit card near your signature.
  • When shopping, only take the cards you plan on using.
  • Temporary workers can put consumers at a greater risk of identity theft because not all temporary employment agencies conduct background checks.
  • If you must use an ATM, choose one that is located inside the mall, or a well-lighted location. Withdraw only the amount of cash you need.

Shopping Safety

  • Always be aware of your surroundings.
  • Lock your shopping bags in your trunk.
  • Never allow children to make unaccompanied trips to the restroom.
  • Never leave car doors unlocked or windows open.
  • Always park in lighted areas. Do NOT park in remote areas.
  • Shop with a friend.
  • Teach your child to go to a store clerk and ask for help in case your child is separated from you.
  • Avoid wearing expensive jewelry.
  • Keep receipts in your wallet or purse.
  • Avoid carrying large amounts of cash.
  • As you return to your car, make sure to keep your car key in your hand.

 

If you make expensive purchases like jewelry or guns, call our office as we may need to add these to your insurance policy. 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.

 

Planning A Safe Vacation From Amberg Insurance

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Ah, travel is bliss; or we’d like to think so!   We want our vacations to be perfect, and ticket mishaps, delays, and schedule changes are all problems none of us like to have happen. We want you to have a great vacation and return home safe. Remember your Florida homeowners insurance provide liability protection in the U.S. If you travel outside the U.S. call our office for other options.

Whether you are planning a trip across the state, or across the world, we have some tips to keep you safe.

  • Create an itinerary and give it to a family member or close friend.
  • Put all emergency numbers in everyone’s cell phone.
  • Don’t carry a lot of cash.
  • Advise your credit card companies of your travel. They will see purchases outside your normal area and may place a hold on the cards.
  • To avoid problems when passing through security, keep medicines in their original, labeled containers.
  • Put your name, address, and telephone numbers outside, and inside, of each piece of luggage.
  • You don’t need all your credit cards and ID; leave those you will not be using at home.
  • Never wear anything that projects affluence; no gold chains, expensive watches, rings, luggage, or other paraphernalia. It is best to leave your expensive jewelry at home.
  • Do not wear name tags in public.
  • At the hotel discuss basic emergency procedures with your children, such as what to do in case of a fire.
  • Park only in well-lit and well-traveled areas.
  • Let your neighbors know your plans.
  • If your plans include travel out of the country, check your health insurance, as there may be some limitations.
  • Purchase timers for lights in your home and place them in two or three rooms.

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

Enjoy your vacation and be safe!