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Umbrella Insurance Quotes in Osprey - South Sarasota, FL

Sam Self, Agent

941-966-3737

149 1/2 N Tamiami Trail
Osprey, FL  34229
Fax : 941-966-3535

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Umbrella Insurance Osprey - South SarasotaUmbrella Insurance

Lawsuits are not reserved for the rich and famous, unfortunately, no one is immune.  Disastrous circumstances can leave you in debt if you are not protected.

An umbrella insurance policy goes beyond the limitations of traditional insurance.

GreatFlorida Insurance provides extra liability insurance from lawsuits, property damage, injuries, slander and libel, worldwide incidents and false arrest and imprisonment as well as shock and mental anguish for residents of Osprey - South Sarasota.

Our umbrella insurance is designed to protect you and your family from major claims and lawsuits. It is security without the huge costs.

An umbrella policy will cover medical bills and claims of an incident that occurs on your property such as a dog bite, pool injury or death, or boating incident. Property damage liability covers damage you are responsible for such as a serious auto accident.

It can also safeguard rental property you own. Without an umbrella policy your assets, college fund, salary and retirement savings are vulnerable.

GreatFlorida Insurance is here to support you and your family when a crisis occurs. Prevent your family from financial ruin by signing up for an umbrella policy to shelter your family’s future.

Umbrella Insurance Osprey - South SarasotaCover Your Bases with Umbrella Insurance

It's the part of insurance that we all dread, policy coverage limitations. You pay for insurance expecting complete protections.

Unfortunately, we all know that while it's essential to arm yourself with insurance policies that protect your assets, there are occasions where those policies just aren't enough.

You can hope that you have great luck and will never need more than your policies cover, or you can invest in umbrella insurance.

Contact a GreatFlorida Umbrella Insurance Agent in Osprey - South Sarasota for your free quote today by calling 941-966-3737 or by taking a few moments to complete our online quote request form.

What is Umbrella Insurance?

Umbrella Insurance is like the super hero of insurance policies. It saves you by breaking the chains on the limitations of auto, boat and home insurance.

Basic policy exclusions are no match for umbrella insurance. Get added protection from such liabilities and incidents like:

  • Lawsuits
  • Property damage
  • Injuries
  • Slander and libel
  • Worldwide incidents
  • False arrest and imprisonment

How do I know if I need an umbrella insurance policy?

Do you want to know you're protected against the limits of your policies? Do you want coverage on items that are excluded from your policies?

If you answered "yes," an umbrella insurance policy is your answer.

Simply call 941-966-3737 or complete our online quote request form. A GreatFlorida Umbrella Insurance Agent in Osprey - South Sarasota will help you find the best deal for you.

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Call 941-966-3737
Florida Umbrella  Insurance Blog
by GreatFlorida Insurance
2/21/2018

Across the country hearts are heavy, grieving the tragic school shooting in Parkland, Florida. “These tragedies impact our communities-our parents, our children, our school professionals, our first responders-the mental health of our whole country,” reminds the professionals with the National Alliance on Mental Illness.

“Even if someone is not involved directly traumatic events, especially within our state, burden our hearts and minds,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent health insurance provider.

Many people experience sadness, anxiety or anger. Some have trouble sleeping and difficulty concentrating. Their minds are dominated by the details of the event. These symptoms typically decrease over time.

Effective and healthy ways to cope during this time include:

Talking to your children about the incident, discuss how it makes them feel.

Limit news and social media exposure. Continuous exposure causes a person to relive the trauma. Also, descriptions and images in the media can cause fear in kids going to school.

Maintain your normal routine.

Connect with people in positive ways. Talk with people and take the time to listen to others. Tell people you care about that you love them.

“Doing something for others can help you channel stressful feelings,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent health insurance provider.

However, the National Institute of Mental Health (NIMH), points out that in some cases the anxiety will continue and interfere with everyday life. For people who continue to experience the effects of trauma, it is important to get professional help. Signs to look for include the following:

  • Worrying a lot or feeling very anxious, sad or fearful
  • Crying often
  • Having trouble thinking clearly
  • Having frightening thoughts
  • Feeling angry
  • Having nightmares or difficulty sleeping
  • Avoiding places or people that bring back disturbing memories and responses.

Our world seems to be experiencing tragedy and stress on a more frequent basis. Be sure to slow down and be kind to yourself as well as others.

The post Coping with tragedy appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
2/14/2018

“Central and south Florida beaches are seeing what looks like blue balloons wash up on shore but beware of the sting,” warns Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent boat insurance agency.

Strong east winds along with ocean currents are propelling thousands of Portuguese man-of-wars toward Florida’s east coast beaches, from Jacksonville to the Florida Keys. Lifeguards are flying purple flags to warn beach goers of the “dangerous marine life.” Over the weekend, hundreds of people were treated for stings.

What is a Portuguese man-of-war?

Usually found in groups of 1,000 or more, Portuguese man-of-wars are often mistaken for jellyfish. According to National Geographic, it is a siphonophore, an animal made up of a colony of individual organisms. The typical size measures 12 inches long, 5 inches wide with long, thin tentacles that can extend up to 165 feet. The tentacles contain stinging nematocysts, venom-injecting capsules, used to paralyze and kill fish and other small creatures. It has a balloon like gas-filled bladder that sits above the water. The man-of-war can come in purple, pink or blue.

The man-of-war sting is agonizingly painful but rarely deadly. Even though they are washed up on shore they can still sting for up to a week. Severe stings can trigger chest pain, difficulty breathing even death. More commonly, they cause pain for 20-40 minutes and welts. They can be especially dangerous to those who are allergic, which are people who also suffer from bee sting allergies.

How to treat the sting

“Do not buy into the misinformation of  popular urban myths that suggest treating the sting by applying alcohol, urine, baking soda, shaving cream,” cautions Buck, with GreatFlorida Insurance, Florida’s top independent boat insurance agency.

Researchers at the University of Hawaii found the best remedy for the sting is vinegar, to remove stingers and tentacles left on the skin. Then immerse in hot water or apply a warm compress for 45 minutes. Additional treatment includes the following:

Alert a lifeguard.

Do not try to remove the tentacles with bare hands. Take a towel and use it to gently unwrap it from the skin.

Rinse with seawater, not freshwater and try to avoid cold water.

Take Benadryl or apply a topical cream.

Currently, Florida is in the height of the Portuguese man-of-war season that is expected to last until late April or early May.

The post Thousands of Man-of-Wars take over Florida beaches appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
2/7/2018

“Cell phones are no longer just phones, but so much more,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

They store our calendars and photos, provide access to our favorite stores and emails. Checking our cell phones on a regular basis has become a habit for many. However, the lure of instant information is an unhealthy attachment and cell phone addiction is real.

A poll conducted by the non-profit, Common Sense Media found 50 percent of teens feel like they are addicted to their mobile devices, with 78 percent admitting to checking their devices at least hourly. Nevertheless, this is not only a teen problem. The study reports 27 percent of adults feel they are addicted to their mobile devices with 69 percent checking them at least hourly.

What is wrong with a cell phone habit?

Countless studies show too much time on your cell phone is bad for your focus and mental health. “Most people check their phone every 15 minutes or less, even if they have no alerts or notifications,” Larry Rosen a psychology professor and author of The Distracted Mind, tells CNBC. “We’ve built up this layer of anxiety surrounding our use of technology, that if we don’t check it as often as we think we should, we’re missing out.”

Additional health issues that can develop from cell phone addiction include, poor posture which affects your spine respiratory functions and even emotions. Also, sleep. The blue light emitted from your phone can stop melatonin production in your body. Melatonin is the hormone that makes us feel sleepy and regulates out circadian rhythm. Sleep is essential to our health, especially the health of teens who are still developing.

“Aside from health and mental health problems, cell phone use continues when many drivers get behind the wheel,” reminds Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent auto insurance agency.

Nearly half of adults in the U.S. admit to reading or sending a text while driving. Almost one in three teens ages 16 to 17-years-old said they have texted while driving.

How to ween yourself and your family?

Below are some tips on how to disconnect from your cell phone.

Do not sleep with your phone. If you need an alarm clock, buy one. Do not depend on your phone. Place it away from your nightstand or bed.

Stop alert notifications. Designate a time to check in and stick to it.

Utilize the “Do Not Disturb” setting on your iPhone or place your phone to the airplane setting for a break from screen time.

When spending time with your friends and family, put it away so you won’t see it or hear it.

Try a detox. Set aside a weekend or holiday where you turn the phone off and put it away. Do not pick it up for a couple of days.

The post Cell Phone Addiction appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
1/30/2018

Most people do not look forward to filing taxes, especially with a new tax law in place for the first time in decades. Those changes can induce confusion and stress. This will be the last year for several tax credits as well as the beginning to benefit from some new ones.

Several tax credits are eliminated for the 2018 tax year. However, they are still available for your 2017 tax return.  “This will be the last year to take advantage of some deductions, so it’s important not to miss out on them,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Investing information company, The Motley Fool, reports this will be the last year to take advantage of the following tax breaks.

Personal exemptions

Property tax deductions

Mortgage interest deduction on home equity loans

Moving expenses

Unreimbursed employee expenses

Tax preparation fees

Investment-related legal and accounting fees

Job search costs

While several tax breaks will expire after this year, there are new ones are available for this year’s returns. “This year is unique with overlapping changes, so make sure your taxes are filed correctly, to avoid overpaying the IRS,” warns Buck Vice President of GreatFlorida Insurance, Florida’s top independent homeowners insurance agency. Error rates for returns filed on paper are at 21 percent, while error rates for those filed electronically are less than one percent.

Some changes in tax deductions and credits are listed below.

Tax brackets expand. According to personal finance resource, GOBankingRates, “the federal income tax system uses a progressive tax structure, meaning that as you earn more income, your tax rate goes up as well.”

The Standard deduction, will experience a slight increase.

Health savings account– an increase to the contribution limit.

Earned income tax credit– the maximum income you can have while still qualifying for the EITC increased for each filing status. Also, you can have up to $3, 450 of investment income annually while still qualifying for the EITC.

Retirement savings credit-there is an increase in income limits.

Increased employer-paid parking or transit tax breaks

If you are looking for affordable and reliable homeowners insurance, give GreatFlorida Insurance a call.

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

by GreatFlorida Insurance
12/28/2017

It’s hard to believe a new year is right around the corner. With each passing year, life brings changes. It is crucial to have an insurance policy that reflects your lifestyle and needs. Transitions throughout the year can dictate adjustments to your insurance. Insurance policies should be reviewed annually to guarantee you and your family has suitable coverage.

“Taking the time to review your policy and your coverage amounts prevents you from being over-insured or under-insured,” says Ellsworth Buck, Vice President of GreatFlorida Insurance. A review and chat with your insurance agent can help you determine if you are overpaying for insurance you do not need or under-insured, risking coming up short in the event of a disaster.

Homeowners Insurance Policy

CBS News reports 59 percent of homeowners in America are underinsured. As the real estate market fluctuates, it is important to know the updated value of your home. That is the starting point for determining the amount of homeowners insurance you desire. “A policy based on your mortgage may not cover the cost of rebuilding your home if disaster occurs,” reports Buck with GreatFlorida Insurance.

Most homeowners want a policy that will cover the costs of rebuilding their home with the current quality of materials or replacing their home of similar value. Without an annual update to your homeowners policy you could become a victim of depreciation and receive only a percentage of what it would cost to rebuild or replace your dwelling. Other factors that can change the price of your home include, adding a swimming pool, a home addition, electrical upgrades and renovations. These should be reflected in your homeowners insurance. Also, consider additional coverage for newly acquired electronics, jewelry or other costly belongings.

However, there are discounts available for homeowners. “Some home renovations can qualify you for a discount on your premium,” reminds Buck with GreatFlorida Insurance. These can include, an updated roof, the addition of hurricane shutters or impact windows, as well as modernizing the home’s electrical and plumbing. The installation of a monitored alarm system, smoke detectors, or the adding of deadbolt locks can also save you money. Furthermore, maintaining good credit could qualify you for an additional savings program with your insurer.

If life changes include divorce, make sure it is reflected on the homeowners policy. If not, you and your former spouse will both be liable for damages or injuries sustained on the property. In the unfortunate event of the death of a spouse, you might decide to add or reduce the amount of coverage on your homeowners policy.

Umbrella/Liability Insurance

Maybe 2017 brought additional prosperity and your assets have significantly increased. You might want to consider increasing the amount of your umbrella policy. Auto insurance and homeowners insurance only provide basic liability coverage. While an umbrella policy is not reserved for the wealthy, personal and financial obligations can also cause you to review and make changes to your policy. Financial website, Money Crashers points out, owning a swimming pool, dog or gun, can increase the risk of accidents that could lead to a lawsuit.

Auto Insurance Policy

If a driver on your  auto policy has increased traveling you might consider adding emergency roadside assistance to your policy. However, review for an overlap in auto insurance coverage. You do not need emergency roadside assistance coverage if you are a member of AAA.

If someone in your home has recently attended a driver’s education class or your vehicles have been accident free, most insurance companies will qualify you for a discount. Inquire about other new “good driver” programs your insurance company offers. A new car or teen driver could have you wanting to increase comprehensive and collision. However, Once you have paid your vehicle off you may want to consider dropping collision to save money.

Boat Insurance

Think about purchasing additional boat insurance if you have recently purchased fishing or diving equipment. Also, if you are towing your boat more often, make sure you have comprehensive and collision in case your boat is involved in an accident out of the water.

Talk to your GreatFlorida Insurance agent to see if you are a member of affiliations that qualify you for a discount. They can be through universities, firefighting or as a member of AARP.

 

The post Are you adequately insured? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
12/6/2017

November 30, marked the end of an extremely destructive, 2017 hurricane season. While totals are still being calculated, estimates currently put damages at $200 billion.

The Federal Emergency Management Agency (FEMA) reported to The Orlando Sentinel that 432,286 renters applied for aid in Florida during October. FEMA does not pay what is covered by insurance, however they try to help the uninsured and underinsured. Keep in mind, they do not cover all damages.

“Renters are less likely than homeowners to insure their belongings,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent renters insurance company.

Most landlords in Florida, do not require renters to carry insurance. The Insurance Information Institute found only 41 percent of renters said they had renters insurance.

“There is a misconception that the landlord is accountable for personal liability issues, but a landlord’s insurance often covers just the structure, not personal property or personal liability,” says Buck with GreatFlorida Insurance, Florida’s top independent renters insurance company.

Renters insurance offers protection for personal belongings that could be damaged by a fire, water issue or storm. It also includes reimbursement for items stolen from home or lost, as well as incidents that are the renters responsibility.

Also, renters insurance will pay out money to replace furniture, clothes, kitchen appliances, electronics, laptop, paddle board, jewelry and more.  You do not have to own a lot to justify a renter’s policy. It could be a specific item such as a bike, engagement ring, musical instrument or collection that is the motivation for coverage.

If an injury occurs in a rental property or even the rental property yard or driveway, the renter can be held responsible for the victim’s medical bills. A renters insurance policy can also provide money for temporary housing. If a rental property is damaged from fire or water, a renters policy will cover hotel expenses while repairs are made.

Renters insurance offers a lot of benefits for a small amount. The average renter’s policy ranges from $15 to $30 a month, offering peace of mind for the price of lunch.

Before purchasing renter’s coverage, inquire with your rental company or landlord to see what their policy will cover. Next, take inventory of your possessions and determine a level of protection that makes you feel comfortable. An experienced agent at GreatFlorida Insurance.  They can guide you through the process to make sure you purchase enough coverage to protect your belongings without paying for overlapping and unnecessary coverage. Give us a call today.

The post Hurricane exposes insurance gap appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
11/28/2017

“Nothing brings on the holiday cheer better than creating a festive environment at home,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance provider.

Whether you are hanging your favorite decorations on the tree, or preparing for an inflatable Santa Clause takeover in your front yard, GreatFlorida Insurance has tips for keeping your holiday decorating safe while spreading joy.

Christmas Trees

According to the National Fire Protection Association (NFPA), Christmas trees are responsible for $16.2 million in direct property damage annually.  NFPA makes some recommendations to keep your Christmas tree safe and enjoyable.

When purchasing an artificial tree look for the “fire resistant” label. While fire risks are lowered with an artificial tree, chemicals and dust on the tree can still pose a fire hazard.

Pick a tree with fresh, green needles that do not fall off when touched.

Before placing the tree in a stand, cut off 2 inches from the base of the trunk for better water absorption.

Be sure to add water daily and keep your tree hydrated.

Keep your Christmas tree a minimum of 3 feet from any heat source including, the fireplace, radiator, heat vent or candles.

Holiday Décor/ Lights

The Electrical Safety Foundation International (ESFi), found more than 86 percent of Americans decorate their homes during the winter holidays.  Over 1,000 fires are attributed to Christmas trees and holiday decorations every year. Don’t let your home be a casualty.

Inspect your lights and discard any that are damaged or frayed and worn out.

Turn off lights and decorations when you are going to bed or leaving the house for an extended length of time. Using a timer helps.

Make sure cords are not pinched in doors, windows or under heavy furniture, which could damage the cord’s insulation.

Secure inflatable décor properly.

Use lights approved by a nationally recognized testing laboratory such as Underwriters Laboratory (UL). You will find a holographic sticker marked “UL” on the tag.

“A red UL sticker indicates indoor/outdoor use. A green UL sticker signifies indoor use only,” reminds Buck with GreatFlorida Insurance, Florida’s top independent homeowners insurance provider.

Avoid hammering tacks or nails into the electrical cord when hanging lights, use clips instead to safely attach lights to the house.

Don’t overload extension cords by using no more than three sets of standard lights per cord.

Plug outdoor lights and décor into circuits protected by ground fault circuit interrupters (GFCIs) to prevent shock.

Shut-off fan blowers on inflatables when it is windy.

Periodically check lights and decorations during the holiday season to make sure they are functioning properly and safely.

Falls

Using ladders, stools and other furniture to hang lights, ornaments and other decorations increase their risk of injuries and falls during the holiday season, according to the Centers for Disease Control and Prevention (CDC).

Recognize the possibility that you could fall.

Use safe ladder practices such as making sure the ladder is secure and level.

Make sure the ladder extends at least three feet over the roof line or work area.

Try using a step stool instead of furniture when hanging decorations.

Place cords in low-traffic areas to prevent tripping.

 

 

The post Prevent your home from being a holiday liability appeared first on The GreatFlorida Insurance Blog.