GreatFlorida Insurance - Wendy North - Englewood Insurance

Renters Insurance Quotes in Englewood, FL

Wendy North, Agent

941-474-8899

1249 Beach Road
Englewood, FL  34223
Fax : 941-460-0320

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Renters Insurance EnglewoodRenter's Insurance

You do not have to own your property for it to be considered your home in Englewood. It is often your possessions that are more treasured than the house, especially when renting.

While the landlord may have home insurance covering the structure, your personal belongings are not covered unless you have a renter’s insurance policy in place.

GreatFlorida Insurance has budget friendly renter’s coverage to protect against damage or theft of your small appliances, electronics, computer and entertainment equipment, clothes, shoes, jewelry, furniture, bikes and just about anything else you own.

Renter’s insurance is not only created for your possessions but, can offer protection if someone is injured at your rental property as well as  provide living expenses if your rental is damaged and you need to find temporary housing.

GreatFlorida Insurance can cover your rental property whether you live in a condominium, apartment, townhouse or home in Englewood. Safeguard your personal effects with renter’s insurance today.

Protect What's Yours with Renter's Insurance

Whether you own or rent your home, the fact remains that you want to protect your belongings and your family from life's unfortunate events.

While most people have heard of homeowners insurance, many renters don't know that there are special policies just for them called renters insurance.

Contact a GreatFlorida Renter's Insurance Agent in Englewood to get more information on a renters insurance policies and to get your free renters insurance quote.

Call 941-474-8899 or take a few minutes to complete our online quote request form.

Why should I get a renters insurance policy?

Even though you may be living in a home that is protected by someone else's homeowners insurance policy, you want to be sure that your personal belongings and liabilities are covered.

If an accident, natural disaster or other unfortunate incident occurs, a renters insurance policy will make it easier to get back on your feet.

How do deductibles work with renters insurance?

Just like with other policies, a deductible is the amount that you agree to pay before your insurance policy begins to pay. However, it is important to note that this applies to personal property claims and not to liability claims.

Additionally, hurricane deductibles are applied differently since storms can cause damage multiple times in one year. Your GreatFlorida Insurance Agent in Englewood can provide you with additional information on how deductibles work.

What personal items does a renters policy cover?

Renters insurance policies are designed to keep your assets safe. Take a look around your home. You probably have more personal property in your home than you initially realize.

Do you have?

  • Kitchen appliances and supplies
  • Electronics
  • Clothes
  • Shoes
  • Jewelry
  • Purses
  • Furniture
  • Entertainment systems

Protect items such as these with a superb renters insurance policy from GreatFlorida Insurance. Get your quote by calling 941-474-8899.

How about protection against personal liability?

When someone is hurt at your home, it may be as much your liability as it is the landlord's liability.

Not having proper coverage in place can be a costly mistake. Renters insurance will give you the protection you need whether you need to cover attorneys' fees or pay for the medical bills of those injured on your property.

Protection at home and away from home.

Damages and personal liability can by incurred whether you're home or away from home. For instance, if you accidentally set something on fire because of a faulty appliance or lapse in judgment, a good renters insurance policy can help you recover from those damages.

On the other hand, if your home catches on fire, suffers from water damage as a result of an action of your neighbor or building management, or is broken into, a renters insurance policy will be your best asset.

In these instances your policy will cover damaged items as well as pay part of your living expenses should you be forced out of your home due to the damage.

Renters insurance covers your belongings from natural disasters.

Florida is the Sunshine State. Our tropical climate draws visitors from around the world. However, it also leaves us susceptible to severe storms, floods, hurricanes, tornados, etc.

When you rent your home, you are not responsible for damage to the structure, but guess who is responsible for your personal belongings. You are.

The destruction of your home and personal belongings can be devastating. Give yourself and your family the best chance for a second start with proper renters insurance coverage.

You'll also ensure that you'll have financial support to pay for living expenses if you are forced out of your home.

Payment plans available.

Renters insurance can fit most any budget. You have the option of paying for the entire year upfront or paying a deposit followed by quarterly payments. Get more information when you contact a GreatFlorida Insurance Agent.

Get started by making a list and checking it twice.

How can you get started? Before calling GreatFlorida Insurance take inventory of your belongings. From furniture to appliances to electronics to clothes to shoes to clothing to jewelry, these costs can really add up.

Once you have an idea of the total value of your belongings, a GreatFlorida Insurance Agent in Englewood will be able to put together the best possible renters insurance quote for you.

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Call 941-474-8899
Florida Renters  Insurance Blog
by GreatFlorida Insurance
6/6/2018

Following the devastation of last year’s hurricane season, lawmakers promised many changes. However, as this year’s storm season begins, only a few changes are on the books.

“After billions in damages, most Floridians were expecting to see more changes this hurricane season,” comments Ellsworth Buck, Vice President of GreatFlorida Insurance.

According to the Associated Press, “The Florida House of Representative’s Select Committee on Hurricane Response and Preparedness issued 78 recommendations over the past year, with 27 being acted upon, mostly as appropriations in the state budget.”

The few substantial changes made include, ensuring nursing homes and assisted living facilities have a supply of generators and three days of fuel. Also, the creation of a disaster preparedness sales tax holiday occurring now through June 7. Certain storm supplies are tax exempt, such as: flashlights, batteries, candles, reusable ice packs, fuel containers, ratchet straps and portable generators.

Preparedness is essential, but understanding risk is also important. “As we head into hurricane season, know your homeowners insurance deductible and limits. You want to be insured for your home’s replacement costs,” reminds Buck of GreatFlorida Insurance.

Most homeowners insurance cover hurricane wind damage, but not flood damage. Flood insurance is separate from your homeowners coverage. Federal Emergency Management Agency (FEMA) officials advise everyone with a home in Florida to get flood insurance, despite what a flood map might say.

To improve the publics knowledge of risk, the National Hurricane Center is making improvements in forecasting. New public advisories will better help communicate danger, especially those in an evacuation zone. Adjustments are being made to official hurricane track maps. Experimental wind maps will become official. And advisories will include potential impacts further in advance.

Access to fuel and transportation presented a real problem for those trying to evacuate. In order to ease congestion, a promise to identify larger gas stations along evacuation routes and improved fuel delivery to those areas.

Insurance is designed to help people rebuild their lives. GreatFlorida Insurance can help protect your home with a Florida flood insurance policy provided by the National Flood Insurance Program. We also offer homeowners insurance and rental insurance. Check us out online today.

 

 

 

 

The post Changes this hurricane season appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
5/23/2018

A sink hole is growing on the North Lawn of the White House. We will resist the temptation for commentary and jokes.

“Sinkholes are nothing new to Floridians,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowner insurance provider.

However, concerning experts, are the recent heavy rains throughout the state, that may lead to additional sinkholes. Such as the ones in The Villages or the more than a dozen that opened in an Ocala neighborhood earlier this month.

Speaking to a local news agency, Dr. Anthony Randazzo, professor at the University of Florida calls the stretch of land between Tallahassee and I-4 through Central Florida, “sinkhole alley.”

Dr. Randazzo says last year’s Hurricane Irma is responsible for over 400 sinkholes. Recent heavy rainfall is exacerbating the problem.

Sinkholes occur in Florida so often because the peninsula is made up of porous rocks such as limestone or sandstone, which can dissolve over time as they interact with acid naturally occurring in rainwater, according to the Florida Department of Environmental Protection.

So, what happens if a sinkhole develops near or on your property? Florida law requires insurance companies to provide coverage for catastrophic ground cover collapse.

“However, sinkhole damage must meet specific criteria and may not be covered by your homeowner’s insurance policy,” says Buck with GreatFlorida Insurance.  “The law defines sinkhole damage differently from catastrophic ground cover collapse. Sinkhole coverage is available to add to a homeowner’s policy for an additional cost.”

Florida homes do not require inspection for the possibility of sinkholes. Also, most builders do not have them inspected, because of the additional expense. It is impossible to predict when and where the exact location of a sinkhole might develop.

Only a licensed, professional geologist with training in identifying sinkholes, might be able to determine the possibility of sinkhole activity. It is important to keep in mind, not all potential sinkhole activity can be identified.

As a protection to buyers, home sellers are required to disclose when a sinkhole claim was made on a piece of property and the amount that was paid to repair the damages.

You can call the Florida Department of Environmental Protection at 850-245-2118, with a sinkhole question.

The post Heavy Rain Responsible for Sinkholes appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
5/16/2018

The 2018 Atlantic Hurricane season begins June 1 and runs through November 30. “Current research proves hurricanes are growing stronger and occurring more frequently,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

Colorado State University predicts a slightly above average Atlantic hurricane season, with 14 named storms, seven hurricanes and three major hurricanes. Whereas, The Weather Channel, is predicting 13 named storms, six hurricanes and two major hurricanes.

While thunderstorms commonly occur in Florida, hail is not as common. It is a type of frozen precipitation that occurs within strong to severe storms any time of the year. Hail causes approximately $1 billion in property damage annually nationwide.

Hail can dent your automobile’s hood, trunk and doors. It can break and crack mirrors and windows and cause damaged or stuck doorjambs.

“It is really tempting to observe the novelty of anything frozen falling from the sky but hail can be dangerous, especially if it is sizable,” reminds Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent auto insurance agency.

If you are out driving when a hailstorm hits, don’t panic. Below are tips to stay safe on the road.

Slow down and be aware of other drivers around you who make not know how to react when driving in a hailstorm.

Create distance between you and the driver ahead of you.

Safely, get off the road. The impact of hail is greater on a moving object, so your car is at greater risk of damage when it is moving forward.

Look for coverage close by such as a gas station awning or garage.  Avoid trees, falling branches can cause more damage.

If you stop under a bridge or overpass be sure to pull completely out of traffic lanes and onto the shoulder.

Do not leave your car.

Try and keep your car at an angle so hail hits it from the front. Windshields are reinforced to withstand pelting objects. Side windows and back glass are not, they are much more vulnerable to shatter or break.

If the hail is severe, cover your eyes or the eyes of any passengers with a blanket. Get face down in the backseat or floor, face away from any windows.

Stay clear of culverts or ditches that quickly fill with water.

Most comprehensive auto insurance policies will cover hail damage. Once the hail damage is accessed, work with your insurance agent to file a claim and get your car into an auto body shop to repair any dents or other damage caused by the storm.

The post Protect Your Car from Hail Damage This Storm Season appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
5/9/2018

Hawaiian lawmakers recently passed a bill prohibiting the sale of sunscreen containing chemicals known to harm coral reefs.

“Once signed by governor David Ige, it will be the first law of its kind,” says Ellsworth Buck, Vice President of GreatForida Insurance, Florida’s largest independent boat insurance agency.

The chemicals contributing to the destruction of coral reefs and other ocean wildlife are oxybenzone and octinoxate. These are common ingredients found in over 3,500 popular sunscreens such as Coppertone, Hawaiian Tropic and Banana Boat.

Oxybenzone and octinoxate are chemicals that filter and absorb UV light, blocking out the sun’s radiation and extending the amount of time a person can spend in the sun. However, like most topical products, they wash off in the water causing damage to coral and fish. According to coral reef advocates, Be Reef Safe, 4,000 to 6,000 tons of sunscreen end up on coral reefs every year.

A 2015 study conducted by a group of scientists of coral reefs in Hawaii, the U.S. Virgin Islands and Israel found oxybenzone and octinoxate leach nutrients from coral, bleach it white and reduce its resiliency. The chemicals are known endocrine disrupters, even a tiny amount can damage coral.

“The largest coral reef in the continental U.S. is the Florida Reef, found in the Keys,” reminds Ellsworth Buck, Vice President of GreatForida Insurance, Florida’s top independent boat insurance agency.

It is the third largest barrier reef ecosystem in the world. It too is being threatened by using these chemicals. In order to protect the future of Florida’s reef tract a similar bill could be passed in Florida. As the public becomes aware of the threat these chemicals pose to coral reef and underwater wildlife, it could prompt action to preserve our beloved reef.

Best thing to do now is read sunscreen labels and avoid oxybenzone and octinoxate. There other ingredients available in sunscreens that can effectively protect your skin. Most importantly, cover up. Sunscreen, should be the last line of defense.

The post Could Florida Ban Sunscreen? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
4/18/2018

2018 Earth Day is this Sunday, April 22. The theme for this year’s Earth Day focuses on ending plastic pollution. Single-use plastic is believed to be the biggest source of trash in and around water worldwide.

We use plastic everyday- plastic bags, toothbrushes, water bottles, product packaging. It’s hard to go a day without plastic,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent boat insurance agency.

Some alarming statistics about plastic include the following:

2.5 million plastic bottles are used every hour in the U.S. (Recycle Across America)

8 million metric tons of plastic enter the ocean every year (Recycle Across America)

The Great Pacific Garbage Patch, the world’s largest collection of floating trash has grown to 600,000 square miles, twice the size of Texas. (Scientific Reports)

According to the website, Earthday.org, plastic poisons and injures marine life, disrupts human hormones, litters beaches and landscapes and clogs our waste streams and landfills. The movement is hoping to inspire and inform people into changing their attitude about plastics.

So, what can one person do to make a difference? Below is a list of suggestions to help you reduce the use of plastic.

Carry your own reusable shopping bags to the store.

Stop buying bottled water, carry a reusable water bottle.

Use a refillable mug at the coffee shop, you can even get a discount for it.

Say “no” to straws.

Checking your packaging. When possible, choose paper packaging over plastic, such as a box for pasta rather than a plastic bag.

Trade in your disposable razor for one you that you only must switch out the blade.

Change up your food storage. Instead of using plastic baggies or plastic wrap, try mason jars, bento boxes or glass containers.

Recycle

“Doing something is better that do nothing,” reminds Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent boat insurance agency.

If we all try and make one or two changes to our plastic use, collectively, we can make a difference. Consumer choice speaks loudly.

 

 

 

The post Trashing the ocean appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
4/5/2018

Recently, an 11-ft. alligator made its way into a homeowner’s swimming pool in Sarasota, FL after busting through the patio screen.

A seven-ft. alligator caused a traffic jam on Easter Sunday in Jacksonville, while trying to cross Interstate 295.

Warmer weather is bringing out alligators.

“Most Floridians have seen an alligator lurking around, especially golfers,” comments Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent boat insurance agency.

In 2017, the Statewide Alligator Nuisance Program (SNAP), received 13, 210 nuisance alligator complaints resulting in the removal of 8, 455 nuisance alligators.

According to the Florida Fish and Wildlife Conservation Commission (FWC), This once endangered species, has a healthy and stable alligator population estimated at 1.3 million in a variety of sizes just in Florida. In addition, alligators inhabit all 67 counties in Florida

An important part of Florida’s wetlands and eco-system, alligators become more active when the temperature rises and their metabolism increases. Mating season is from April – June.

“While alligators are a part of the Florida landscape, you certainly want to keep your distance,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent boat insurance agency.

Alligators are unique, in the fact they that inhabit land and water. This feature also makes them very dangerous. American zookeeper, Jack Hanna says an alligator can outrun all human creatures within the first 20-30 feet of exiting the water, making it very difficult for humans to outrun alligators.

The Key West Aquarium, has advice for living with alligators:

Avoid feeding an alligator, it is dangerous and illegal.

Stay at a safe distance of at least 50 feet away.

Do not approach an alligator to take a selfie.

Avoid checking to see if an alligator is alive.

Before entering a freshwater stream, lake or spring, check around. Alligators are often around even if you don’t see them.

Keep pets on a leash and away from the water.

Steer clear of water at night.

If one bites you, make as much noise as possible. Work hard to get away, use force and try poking at their eyes.

People with concerns about an alligator can call the Nuisance Alligator Hotline, 866-FWC-GATOR (866-392-4286).

 

 

 

 

The post Here come the alligators appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
3/14/2018

This year’s legislative session was unique. The tragedy at Marjory Stoneman Douglass High School prompted action from lawmakers, shifting the agenda toward the end. According to the Tampa Bay Times, Florida’s Legislature passed the fewest bills in two decades. The lack of progress could be due to the unexpected gun debate that took place. In response, legislators passed gun-control measures for the first time in 20 years.

Many of the same issues, along with some new debates were brought up again among lawmakers. Let’s look at what passed and what fell short.

FAILED

A bill to repeal the no-fault auto insurance system, requiring drivers to carry personal injury or PIP Coverage.

“Florida lawmakers have argued over eliminating PIP and replacing it with a fault-based system for years. It seems to never gain enough momentum to become law,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance company.

An effort to ban fracking, the controversial oil- and natural- gas drilling process.

A ban to red-light cameras.

A proposal allowing law enforcement officers to pull people over for texting while driving. A practice, the National Safety Council reports causes 1,600,000 accidents a year.

Creation of new specialty license tags.

Guns at church.

PASSED

Tax cuts by $168.6 million- including a property tax break for homeowners displaced by hurricane Irma and nursing homes that purchase electrical generators. It also includes back-to-school holiday exempting sales tax on clothing and school supplies and reduces sales tax on business rents.

“It adds an 18 percent reduction in penalties for non-criminal traffic infractions for drivers who attend driving school,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent auto insurance company.

Permanent daylight saving time.

Permits trained school employees to carry concealed weapons in school, raises the age requirement for gun purchases from 18 to 21, imposes a three-day waiting period for rifles and other long guns, allows police to seize weapons from those who pose a danger to themselves and others, and bans the sale of bump stocks.

A bill to make threats of mass shooting and terrorist attacks a second-degree felony.

Expansion of mental health services in public school.

K-12 -Creates voucher-like scholarships to pay for students who are bullied in public schools so they can attend private schools. Requires all schools to visibly display the Florida state motto, “In God We Trust,” and allows tenants of commercial property to direct tax revenue of up to $57.5 million in rent into the account of two scholarship programs.

More money for the state’s Bright Future’s merit scholarship program.

A homeowners’ insurance policy must visibly state that hurricane insurance does not include flood insurance.

Creation of the first Florida Slavery Memorial built on Capitol grounds.

Prescription limits on opioids and money for addiction treatment.

A resolution declaring pornography a health risk.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

The post Winners and Losers from the 2018 Florida Legislature appeared first on The GreatFlorida Insurance Blog.