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.

 

 

 

 

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.

 

Bats In The Attic: How Can Home Insurance Help?

Longwood, FL is a warm and comfortable place that serves as a home to a large number of bats. When bats move into your attic, it can be a dangerous situation for your home and your health. That’s why Blanchard Insurance think it is so important for you to understand how home insurance can help cover you in this circumstance.

The Damage Caused By Bats

When bats settle in your attic, they can cause a wide range of problems. For example, they cause minor damage by chewing through wood and insulation in order to make nests. They can also spread bat mites and disease through your home, putting the health and well-being of your family at risk. However, the worst part about bats is their droppings.

Bat droppings or guano is a very acidic item that will not only make your home smell gross, but can actually be dangerous to your health. Shockingly, it is acidic enough to eat through wood and other home items, such as electrical wiring. These dangers make it important to understand how to get rid of bats and how insurance can help.

Home Insurance And Bats

What is interesting about bats is that many home insurance polices will cover damage caused by them, even if they do not cover other pests. Why is this the case? The wording on many policies indicate they will not cover damage caused by “birds, vermin, rodents, or insects.”

Bats are none of these things: they are mammals that are not considered vermin because they do not meet the definition of being animals that are difficult to control, which prey on game, or compete with humans for food.

As a result, you should call Blanchard Insurance if your Longwood, FL home attic has been invaded by bats. This can help protect your home from the kind of damage these annoying pests can cause in your home.

Can Home Insurance Premiums Be Deducted From Taxes?

Homeowners in Longwood, FL often look for ways to cut living expenses and free up cash for savings or recreation. As you prepare your next tax return, you may wonder if you can safely deduct home insurance premiums from your taxable income. This could significantly reduce how much money you owe, especially if you own a large house.

This deduction is only feasible under certain circumstances. Unfortunately, the majority of homeowners don’t qualify. If you use your entire home for private residential purposes, you can’t deduct these costs. This holds true even when a mortgage payment includes the insurance premiums. You can only deduct the interest in a home loan payment.

Renting

On the other hand, you may be able to subtract the expense of homeowners’ insurance if you rent your house to someone else. Property taxes and repairs are often deductible in this situation as well. If you pay for multiple years of coverage with a single payment, you’ll need to deduct one year at a time when filing returns.

Business

Do you run a business in a portion of your house? If so, you might qualify to deduct a percentage of your insurance and utility bills. For instance, perhaps you have a 200 square-foot office in a 1,400 square-foot residence. If you only use the office for business purposes, the IRS would probably allow you to claim 14 percent of these costs as a deduction.

Regardless of whether or not you can deduct premiums from your taxes, you’ll save money on homeowners insurance by finding a more affordable policy. The experienced agents at Blanchard Insurance can help you accomplish this. Our independent agency has served the Longwood, FL area for more than two decades. To get started, please call Blanchard Insurance today at 407-788-8640.
 

3 Reasons to Winterize Your Home

Homeowners in Longwood, FL often have homes in other areas of the United States. They come to Florida to enjoy the lovely weather and their holidays. However, before leaving their homes, it’s important that they winterize it.

Winterizing Second Homes Saves Money

One of the main threats against a home during the winter months is frozen pipes. Frozen pipes can cause water damage and leave you with a hefty repair bill. Before you head to Florida this year, it’s imperative that you prepare your water pipes for the winter. You should consider insulating your pipes to ensure they can withstand freezing temperatures. You may want to consider placing your water on “vacation” which will help you avoid freezing pipes altogether.

Conducting Home Inspections Help Avoid Problems

Your roof plays a significant roof during the winter months. It safeguards your home’s interiors. As such, it’s critical that you make sure you get a roof inspection, along with other annual inspections. A roof inspection will uncover roofing problems that could jeopardize your home while you are out. In addition to a roofing inspection, you should consider having a professional check the following:

  • Your heating system
  • Your gutters
  • Your windows and doors
  • Your foundation

By doing your inspections before leaving, you will have the peace of mind knowing that your home can withstand whatever Mother Nature brings this winter.

Winterizing Uncovers Security Holes

When you leave your home for the winter, the last thing you want to be concerned about is whether a thief is in your home. Fortunately, taking a 360-degree assessment of your home will highlight light problems that may be an opportunity for thieves. Use your assessment of your home to secure your home so that you can enjoy Longwood, FL without any stress.

If you need home insurance or you are interested in increasing your home insurance policy, Blanchard Insurance is here to help. We encourage you to give us a call today so that we can ensure your home insurance policy meets your needs.