Boat Fishing Tips

After you purchase a boat, you might have big plans for it. If you’re an avid fisherman or woman, one of those plans might include frequent fishing trips. And at Blanchard Insurance, serving the Longwood, FL region, we know a few tips to help your boating ventures be exciting and successful.  

1. Bait is Seasonal  

When you go fishing, keep in mind the bait you use is seasonal. The same types of bait aren’t as effective in the wet season as they are in the dry season. And if you go to an area that has four seasons, keep in mind, the bait you use will change for each one of the four seasons. Moreover, bait varies based on what you’re fishing for, so always do your homework before you take your boat out.  

2. Be One with the Wind 

The wind is your friend when bass fishing and when you fish for many other varieties. When you face the direction wind is blowing, it generates a current that will bring the fish toward you, ultimately making it more likely you’ll get a hit.  

3. Shallow Water is Sometimes Best  

When you fish during the months of May, June, and July, shallow is best. The fish are transitioning to their warm weather spots during this time, meaning they’re going where the warm weather and the sunshine are. Consider the shallow water as the fish’s beach home. They go to a spot where they can feel the sun on their faces when it starts to heat up.  

4. Get Boat Insurance 

One of the major tips for boat fishing is to always have boat insurance. Getting into a boat accident without insurance will be sure to spoil even the biggest catch.  

Get boat insurance from Blanchard Insurance, serving Longwood, FL and the surrounding area. Call 407-788-8640 to get a quote today. 

Home Insurance vs Condo Insurance: Similarities and Differences

While the state of Florida does not require residents to insure their residential properties, people living in the Longwood, FL area benefit from a home insurance policy that protects owners from loss due to damage or accident. Condominiums also qualify for property insurance protection. But what is the difference between policies for traditional homes and condos?

The Similarities

Insurance policies for single-family homes and condominiums share quite a few things in common.

  • If someone is hurt while on your property, both policies will cover your liability.
  • Any property insurance policy can be customized to protect you from damage due to weather, flooding, and other natural disasters.
  • Both types of policies provide protection for your personal items.

The insurance professionals at Blanchard Insurance can help you create a property insurance policy that addresses all of your major concerns.

The Differences

  • Condo insurance typically covers only needs to cover the inside of your dwelling. Common areas and exteriors should be covered by the property manager’s insurance. Home insurance covers the inside and outside of your single-family home.
  • Homeowners may need more liability coverage than condo owners. This is because a homeowner’s liability extends to the land surrounding their dwelling.
  • If the outside of your condo is damaged, your homeowner’s association may charge you a portion of their repair costs. Adding loss assessment coverage to your policy helps pay for these charges. This is not an issue with traditional home insurance, as there is not shared liability.
  • Filing claims can be a little more complicated for condo owners. Adjusters must determine if the damage is covered under the owner’s policy or the property management’s policy.

If you’re looking to insure your residential property in the Longwood, FL area, Blanchard Insurance can help you find the right policy for your property needs. Contact us to get started protecting your investing.

How to Tell If You Need Umbrella Insurance

Insurance options in Longwood, FL can often seem limitless. Insurance companies will offer so many coverage options beyond the basics, you might think they’re trying to sell you stuff you don’t need. At Blanchard Insurance, we believe additional umbrella coverage can represent important options you should definitely consider.

Who Needs Umbrella Insurance?

Frankly, everyone should at least consider some umbrella options. The more possible risk you have in your life, the more important umbrella coverage can become. This applies to auto, home, and any other type of insurance.

In fact, some umbrella options can bridge the gap between different types of insurance. If you hit your policy limit with an accident or other incident, anything beyond that will have to come from your personal assets.

Do you live in a more affluent part of Longwood, FL? Maybe you’re in an area where people drive expensive cars. That’s a possible risk where you should consider umbrella coverage. It can help to deal with the kinds of claims that can come from an accident in such an area.

It’s all about risk. You must seriously consider how many situations you can get into where your basic insurance might not do enough for you.

What Kind of Extra Coverage Can You Get with Umbrella Insurance?

Different insurance carriers have various products they group together as umbrella insurance. In general, you can seek umbrella insurance that offers extra personal injury and property damage coverage. You will also want to consider extra personal liability coverage.

There’s several options and configurations. You should speak to an insurance company about what it is you feel you need, and they can help you figure out the rest.

At Blanchard Insurance, we understand your insurance needs aren’t the same as everybody else’s. That’s why it’s important you speak to us, so we can help you figure out which packages will work best for your unique circumstances. Call us today to learn more about the umbrella coverage options we offer.

Protecting Home and Property from Flood Damage

Unless your home is located at the top of the highest mountain in Longwood, FL, then you have the possibility of flooding.  While home engineering can help your home manage through hurricane winds, there isn’t a lot it can do to prevent the home from sustaining flood damage after water crosses the threshold.  Here are some things you can do to protect your home and property from damage, but start by knowing the flood level of your home.

  • Raise electrical sockets, switches, circuit breakers, and wiring about a foot above the flood level.  Also, raise indoor equipment like the furnace and water heater to sit above the flood level.
  • Anchor and build up outdoor equipment above the flood level, such as air-conditioning units, fuel tanks, and generators.
  • Consider installing an interior or exterior backflow valve for the sewer system, so it doesn’t back up into your home if it floods.
  • Take note of how water flows around your home to make sure if flows away from the structure and does not accumulate close to the home or outbuilding.
  • Keep rain gutters, drains, and downspouts clear of debris.
  • If the flood level is low at your home’s location, you may want to consider elevating your home above the level.
  • If the water is rising and it’s going to flood, take these last minute steps.  Shut off the electricity at the breaker panel.  Move furniture, rugs, electronics, and other items water will damage up off the floor or second floor.  Elevate major appliances on blocks if possible.

Blanchard Insurance

Blanchard Insurance has been providing homeowners insurance in the Longwood, FL area for over 20 years.  Blanchard agents can help you determine the right flood insurance to compliment your home insurance to protect your property investment.

5 Reasons Why You’re Not Too Young to Buy Life Insurance in Longwood, FL

Residents of Longwood FL and the surrounding area who don’t have life insurance should consider purchasing it through Blanchard Life Insurance, no matter their age. Planning for the future has its share of benefits, even if you’re only in your 20s or 30s. It also benefits your family in the event something happens. 

1. Never Know What Will Happen 

You never know what will happen. Accidents happen on a daily basis that lead to death. In fact, the Centers for Disease Control and Prevention state nearly 250,000 people died from accidental deaths in 2014 alone. Disease and illnesses occur when you least expect them. For instance, cancer takes the lives of 595,690 people per year. 

2. Less Worry

Not having insurance causes worry, especially later in life. As you age, the worry of not having insurance increases. You won’t have to worry as you age and your health starts to decline. You don’t want to worry about not being able to get insurance or having to pay more as you age. 

3. Waiting Means More Expensive Options

When you age the price of insurance rises, that is why it becomes harder to obtain insurance. Certain health risk factors make it so you can’t get insurance at all. And keep in mind that as you age, you’re more at risk for certain health conditions.

4. Security

Getting a 401K or life insurance through your work can change if your employment status changes. You would find yourself without life insurance, or you might get your 401K and use it before you pass if you don’t reinvest immediately. 

5. Benefits Your Loved Ones

Your loved ones benefit if you have insurance. They won’t have to worry if you pass away unexpectedly. This is definitely the case if you have children. 

If you’re thinking about life insurance, it’s not too early to get a policy. Contact us today at Blanchard Insurance, serving Longwood, FL and the surrounding area, at 407-788-8640.

Does The Community You Live In Affect Home Insurance?

When you live in Longwood, FL, it’s important to know about what goes into a home insurance policy. There are a lot of different communities to choose from throughout the area. The community you choose to live in will have an impact on home insurance premiums.

Security

Some communities have a lot of security included. This includes gated communities, security guard booths, patrolled security, and more. When you can show the insurance company that they are unlikely to see a home insurance claim from you, they reward you with a lower insurance premium.

Be sure you let the insurance company know about all that the community does to keep you and your home safe. If you don’t live in a secure community, you can often improve rates by adding a home security system, which could include window sensors and CCTV.

Crime Rates

The crime rates vary throughout the country. When you get quotes, insurance companies ask about your zip code. One of the reasons to do this is to learn about the crime rates in Longwood, FL. Some communities are known to be safer than others. A low crime rate means that you’re less likely to experience a break-in. This means that the insurance company won’t have to pay more when they insure you.

Getting the Best Quotes

At Blanchard Insurance, we’re dedicated to helping you find the best insurance policy for your home. This means getting quotes from some of the top insurance companies that offer policies in Florida. We will do a lot of the work for you so that the only thing left for you to do compare the quotes.

When you’re ready to learn more about home insurance and how your community affects things, call one of our agents at Blanchard Insurance today.

 

 

 

 

Handling Flood Conditions While Driving

Driving in heavy rain and flooding conditions in the Longwood, FL area can be hazardous. The excess water can damage your car, cause it to stall, or cause you to have an accident. The best choice is to wait, but if you must travel during heavy rains and flooding conditions here are some wet weather tips to help keep you safe.

  • Take a little extra time to drive slower and expects delays from possible traffic congestion. Keep in mind stopping distances can be at least double because your tires will have less grip with water on the roadway.
  • Take time to size up standing water before driving through it.  What may appear to be a puddle, can end up being deeper than it appeared initially.
  • If you suspect it’s too deep for your vehicle or you can’t be sure, find an alternate route.  Modern doors seal well and will likely keep the water out, but it will also cause your vehicle to be buoyant, and it will lose contact with the ground.
  • If the water is shallow enough to drive through, take it slow so too much water doesn’t get into the engine compartment and cause it to stall or damage the electronics.
  • Once you exit, pause for a moment to allow excess water to drain off the car. It’s a good idea of gently push the brake pedal to when exiting to create a little friction heat and burn off excess moisture.

Blanchard Insurance

The agents at Blanchard Insurance in the Longwood, FL area want you and your passengers to travel safely. We also want to be there in case you have an accident to have the coverage you need. Contact one of the Blanchard experienced agents today to discuss your auto insurance options. 

Important Home Owner Insurance Option to Consider as a Florida Homeowner

As Florida residents know living in Florida has some wonderful benefits including the beaches, weather, and people; they also know it comes with unique challenges when it comes to insuring one’s home. Luckily there are great additional coverages residents can purchase to give homeowners peace of mind.

Obviously, when people think home insurance in Florida they think of hurricanes. Coverage for hurricanes is a complicated matter and you should always speak with your insurance agent to make sure you are adequately covered. Most policies will offer some sort of hurricane coverages; however, the tricky part is flood insurance as a result of a hurricane. Your insurance agent will help you decide what type of flood insurance you need to compliment your hurricane limit. An agent a Blanchard Insurance would be happy to review the many different flood coverages available in your area.

In recent years, you have seen an increase in sinkhole incidents in the Longwood, FL area. Due to the fact that Florida has so many sinkhole incidents, insurance companies are required by law to cover catastrophic ground cover collapse. However, the criteria to make a claim requires the incident to meet 4 stringent requirements. Insurers offer less stringent sinkhole coverage to protect you in the case your claim does not meet the 4 criteria. Sinkhole coverage is another important coverage to consider as a Florida homeowner.

Many insurance policies also exclude mold coverage. Obviously, the humidity and rain in FL can cause moisture damage in your home and the cost to remediate the mold can become very expensive. You can purchase mold coverage as an “add on” coverage to your policy.

If you are interested in learning more about these insurance options, please feel to reach out to Blanchard Insurance. We proudly service the Longwood, FL area.

 

Five Factors That Impact Your Auto Insurance Rates

Motorists in Longwood, FL are always looking for ways on how to save on their auto insurance premiums. But, before you cut down on coverage or increase your deductibles to save a few pennies every month, there are safer ways to control your rates without sacrificing coverage. Insurers look at numerous criteria when determining a driver’s premium, and the consumer can control a good number of these.

A handful of common factors that impact auto insurance rates include:

Age

If you’re under 25, you can expect to pay more as you’re inexperienced on the roads. Once you start driving in your golden years, you can expect to pay more, too. However, there is a sweet spot for those aged 25 to 65.

Occupation

While you may be thinking that your job has little to do with your auto insurance, the insurance industry found that drivers with certain occupations are safer on the roads, and therefore, less likely to file a claim. Doctors, nurses, and firefighters are among those who could enjoy lower premiums.

Mileage

Quite simply, if you’re on the roads more, there’s a higher chance that you’ll be involved in an accident. If you’re driving many miles to and from work during rush hour, you may face higher premiums than those who work from home.

Location

If you leave your car outside overnight in an area with high theft and vandalism rates, expect a pricier premium.

Vehicle Safety

Safe cars on the road mean fewer accidents. Vehicle safety features can include those that prevent collision and theft.

Talk to the Blanchard Insurance professionals who can help you find the right auto insurance to suit your needs and budget. Visit Blanchard Insurance, serving motorists in Longwood, FL and beyond today.

Top Auto Insurance Myths

Auto insurance is a necessity in Longwood, FL. Even if you think you know everything about it, you probably don’t. In fact, there are many myths about auto insurance that are constantly going around. To help you become more educated on what is true and false, Blanchard Insurance has compiled a list of some of the most common myths.

  • Your Credit Score Has Nothing To Do With Your Insurance Rate. Having a poor credit score can directly impact your rate. The lower your score, the more likely it is that you will end up paying more for auto insurance. Many insurance companies actually use this to help determine how likely you are to continue paying the cost every month.
  • Red Cars Cost More to Insure. Have you considered not getting a red car because you thought it might cost more in insurance? You may have made a mistake because the color of a car has nothing to do with it. What is taken into account is the made, model, age, engine size, and body style of the vehicle as well as the age, driving history, and credit score of the driver.
  • If Your Car Is Totaled, It Will Be Paid Off by Insurance. This is not completely the truth. In fact, insurance will be for some but they look at fair market value. This takes into account the original cost as well as the depreciation. This can sometimes mean that there is a gap and the rest will need to be paid for by the driver. Gap Insurance is a good alternative to prevent this.

If you are thinking about getting a new auto insurance policy or are interested in making sure you are not paying too much, you can reach out to Blanchard Insurance serving Longwood, FL.