Will My RV Insurance Policy Cover the RV If I Lend it to a Friend?

One of the questions that we at Blanchard Insurance, serving the greater Longwood FL area, are asked about RV insurance is whether the insurance policy will cover the RV if it is lent to a friend or family member. If you have an RV that you are not planning on using one weekend, you may be thinking about letting a loved one borrow it. Here is some insurance information you should be aware of before you do it. 

Read Your Policy Carefully

Some RV insurance policies will cover friends and family who are borrowing or using your RV if you give them permission to do so. Other policies will not cover these people. If your RV will not cover other drivers, it will be stated clearly in the policy that you are not to lend or loan the RV out and that anyone not listed on your policy is not covered under your insurance policy. 

Never Rent the RV Out

If your policy does cover other users, it will never cover other users if you are renting the RV out for money. In this case, you will be deemed to be running a rental business, even if you are only renting the RV out to a family member or relative. If money is exchanged so someone else can use your RV, your RV insurance policy will not cover them.  

Obtain a Short Term Floater Policy

If your policy will not cover friends or family, this does not mean they cannot borrow your RV. In order to use the RV and be fully covered, they will need to obtain a short term floater policy from their insurance company for the dates that they plan on using the RV. This protects both you and them. 

If you are looking to obtain RV insurance in the greater Longwood, FL area, contact Blanchard Insurance today. We can help you find an insurance policy that covers all of your RV needs. 

What Does Home Insurance Cover?

Most people know that homeowners’ insurance is essential when making a home purchase. Even so, many do not know what the homeowners’ insurance actually covers. The policy may not cover some events and can leave you vulnerable if additional coverage isn’t purchased. For your protection, make sure you are familiar with the covered incidents so you can obtain additional types of insurance for items not covered.

What Is Covered

Most homeowners’ insurance policies cover fire, theft, certain types of storm damage, and unexpected damage caused by others’ actions or property. Always know the terms and conditions of each policy, and if you feel you need additional coverage you should ask your provider if there are gap policies available to help you gain full protection. Homeowners need insurance to help them either regain the actual value or cost to replace the home. The insurance normally covers the dwelling only, rather than the value of the property too.

What Isn’t Covered

Many homeowners assume the homeowners’ insurance covers flooding, but that is not the case. You need a separate policy to cover floods which is purchased through the government. This policy covers things like natural disasters and bursting pipes. Don’t make the mistake of assuming you are covered by the homeowners’ insurance policy when it comes to water damage. There are some instances where precipitation, which damages the home, or wind-driven water, as well as wind damage, requires a separate policy. For more information regarding what is and isn’t covered in your homeowners’ policy, contact Longwood, FL, Blanchard Insurance.

Know what your home insurance covers so you aren’t left vulnerable from a lack of coverage. Contact Longwood, FL, Blanchard Insurance for home insurance and for more information on covered incidents. 

Florida Doesn’t Require Much Motorcycle Insurance, Do I Need Additional Coverage?

Motorcycle insurance law in Longwood, FL is tough to figure out. Many people think motorcycles don’t have to be covered by insurance in Florida. However, though the laws are different than auto insurance, Florida has a Financial Responsibility Law that requires motorcyclists to prove financial responsibility. There are steep fines for failing to do so and for not carrying motorcycle insurance. Your Blanchard Insurance agent can help you wade through the requirements and decide if you need additional motorcycle insurance.

Financial Responsibility

Florida’s Financial Responsibility Law requires motorcycle riders to provide financial restitution for injury or property damage they may cause while operating their bikes. So, even though motorcycle insurance is not strictly required under the law in Longwood, FL, it is a good idea to purchase liability coverage from an insurance to make sure you can cover any personal injury or property damage you may cause in a motorcycle accident.

Other Motorcycle Insurance

PIP and liability insurance cover other people and vehicles, but not you or your bike. Your Blanchard Insurance agent can help you understand how you can benefit from each type so that you can decide which coverage is right for you. 

  • Uninsured Motorist coverage covers you and your bike in the event you are hit by an uninsured motorist.
  • Comprehensive Coverage pays for damages to your motorcycle in events other than an accident with another vehicle. It includes fire, vandalism, and theft.
  • Collision Coverage covers you and pays for repairs if you are involved in an accident.
  • Labor or Towing Coverage pays for costs due to a mechanical breakdown.
  • Medical Payments coverage pays for medical expenses for you and your passenger.

Contact Us

If you have any questions on your motorcycle or other insurance needs in Longwood, FL, call Blanchard Insurance today. We will be happy to answer any questions we can over the phone or schedule time to discuss everything with you in person.

 

Essentials of home insurance.

If you talk to anyone who has had to rebuild their house after an earthquake or landslide, they will tell you that getting a home insurance cover is the best decision you will ever make, especially for your loved ones. If you just moved into your new house, and you would like to choose a home insurance plan, and the policies available are so many, which one do you take? How will you know what policy best suits your needs, putting in mind the neighborhood you live in.

There are essential policies that will serve to safeguard your home, if and when disaster strikes. However, the choice of policy is as important as choosing the right insurance company to go to. At Blanchard Insurance, you can get the best advice on the best cover that is tailored to your needs and the type of house you live in.

These policies will help protect against loss of property and belonging. These terms of the policy range from cover to cover, but they generally cover theft, fire and some acts of God like thunderstorms and hail.

One should exercise caution in selecting the choice of homeowner insurance cover. While selecting the cover, make sure that you evaluate your home and the potential risks. This will include the geographic location, the frequent weather patterns. You should also read the claim terms and make sure that you understand the claim process. At Blanchard Insurance, we will walk you through the process and make sure that you and your loved ones will always have a roof over your heads, whether in good or in bad times.

We understand that grasping these processes is a handful and that is why our offices in Longwood, FL are always open, and we take great pride in ensuring that our clients have the best experience out of their homes.

 

 

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.