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.

 

 

Longwood, FL Autumns and Ramifications for Home Insurance

As a resident of Longwood, FL, you probably are not used to extremely harsh transitions between the summer and autumn, as are some of your neighbors to the north. However, the weather does start to cool, and you experience several side effects of this change that could affect your home and could be the cause of damage to your home if you do nothing to prevent it.

There are a few things that you should pay attention to during this season. You should be aware that pests, such as rodents, insects, and even birds are often looking for an escape from the cold temperatures and will often find their way indoors in order to keep warm. This often means that they will be trying to come into your home. You should take all the steps possible to keep them out, as they can cause damage to your home that will likely not be covered by your home insurance policy. You should also make sure that all of the dead leaves are cleared away, as they can cause all sorts of problems themselves. They can clog up your gutters if it is rainy and increase the risk of fires if it is dry. You should also make sure the insulation works well and that the pipes are not damaged so that you do not lose heat and have to pay extra for it when the weather gets cold (and that you do not have to pay to fix your pipes). It is important that you go through your home insurance policy this autumn so that you get a refresher course on the types of damage that will not be covered (and thus the types of damage you should work extra hard to prevent).

If you are living in Longwood, FL and are concerned about home insurance in the fall and impending winter, you can go to Blanchard Insurance for the answers that you seek. The insurance agents at Blanchard Insurance can give you all the information you need to make sure that you minimize the amounts that you have to pay for uninsured damages in the autumn.

The Difference Between Home and Renters Insurance

Whether you are making a change from renting to owning or vice versa, you should understand the difference between having homeowners insurance and renters insurance. There are some similarities in coverages, but before you buy your first home or move into a rental, you should discuss the details with the qualified agents at the Blanchard Insurance in Longwood, FL.

The Buildings’ Structure

Homeowners insurance typically covers the structure of your home. Structures that are attached or separate, but are part of the property may also be covered. This can include garages, sheds, porches, decks, or other dwellings located on the property.

When you are renting, the landlord would maintain coverage for the structure of the building you are living in. Disasters that affect the property are most likely covered under his or her policy. There are some exceptions. If damage is done to the property and it is deemed your fault, you would have to pay for the repairs. This is where you would need renters insurance to help alleviate the cost of damages you may be responsible for.

Your Personal Property

Homeowners insurance protects the property in your home. If you own your home, your personal property’s protected under homeowners insurance. If you are renting, the landlord insures the building, but you would need insurance to cover your personal belongings. Renters insurance is there to help you in case your personal property is stolen, vandalized, or lost due to fire or other catastrophes. You can also tailor your policy to cover specific water damages as well.

You should be aware that if your property is destroyed, the landlord’s insurance doesn’t cover your items. It only covers the building. It is important to talk with an agent at Blanchard Insurance to help you decide what form of coverage you will need to protect yourself and your personal property.

Don’t get caught unprotected. Call or visit the independent agents in Longwood, FL at Blanchard Insurance to help you choose the right policy for your home and family.

Get Umbrella Insurance in Longwood, FL

You will need insurance for a lot of things in a place like Longwood, Florida. There is the standard home and automobile insurance that most people have to have, but there is also the lingering concern about the next hurricane hitting the Sunshine State. Which is why umbrella insurance is a great idea, namely from a local agent like Blanchard Insurance, who serves the greater Longwood, FL area. Below are some more details on what umbrella insurance is and why it may or may not be right for you.

WHAT IS UMBRELLA INSURANCE?

Umbrella insurance is basically a larger insurance policy that envelopes your existing insurance policy, filling gaps that may exist where you could be vulnerable in specific situations. These primarily include things like lawsuits, where someone can sue you directly from an automobile accident or can sue you if they are injured in your home or on your property. Umbrella insurance also protects against things like libel or slander lawsuits that other insurance policies do not cover.

HOW MUCH DO UMBRELLA POLICIES COST?

For about $200 per month, an umbrella policy will grant an added one million dollars of insurance coverage. This may sound like a lot but sometimes lawsuits can skyrocket in cost and damages, eclipsing this number. So for another $100 per month, another million dollars in coverage is usually attainable.

DO I NEED UMBRELLA INSURANCE?

It all depends on who you are and where you are vulnerable. If you think you could be sued for an accident you could be held responsible for, then umbrella insurance is a great option. Step back and consider your lifestyle and whether or not umbrella insurance is worth the extra money per month to completely protect you in the long run.

Enjoying the Summer Safely by Properly Preparing Your Boat

The summer is the perfect time to finally relax with your family. With kids being out of school, your boat affords an opportunity to forget about your responsibilities and just have fun. Before you let loose though, you’ll need to prepare your boat so the fun isn’t interrupted by a dead engine. Follow these steps for a safer boat this summer. 

Be the Cleaning Police 

If you start with cleaning, then it gives you a chance to make notes about even the smallest corners of your boat. When any piece of equipment or part of the boat gets worn down due to time or lack of use, then it puts you at risk if the part completely collapses when you’re far from shore. Use the cleaning process to kick-start the preparation process and get it sparkling again. 

Look Inside for More Information 

Your engine, batteries, and wiring all need to receive a thorough examination as well, so make sure that everything looks good there. An almost dead battery will let you start the engine, but there’s no telling if the battery will keep working when it’s out on the water. Make sure you have all the proper spare parts stashed away, from light bulbs to fuses. Information tends to be forgotten between seasons, so that issue you meant to fix at the end of last summer may still need your help at the beginning of this one. 

Insuring Your Investment

Blanchard Insurance knows the people of Longwood, FL just wants to have a good time, and we’re here to find you a policy that keeps you on the water. Let us help you decide on a policy that works for you. Give us a call for a quote or if you have any questions!

 

Easily Make More Room In Your Closet

Most people are not lucky enough to have massive closets and even if they do, any closet can easily be filled up and become overcrowded over time. That is why it is important to maximize the space in any closet. You can do this in many different ways but some of them are specific to the size and space that you already have in the closet. Use these tips that can be used in a variety of closets to get the most out of the space. Contact us at Blanchard Insurance for all of your insurance needs.

  • Use and over the door shoe rack. If you have shoes and are not currently using a shoe rack to organize them, then you probably have them all over the floor of your closet or maybe even all over your home. You can make more space in the closet and clean it up some by using an over the door shoe rack. All of your shoes will be organized nicely on the back of the door and out of sight until you need them.
  • Use tiered hangers to get more clothes on your clothes rack. When you use traditional hangers, you can only get one item of clothing on them. If you use tiered hangers, you can get multiple items on one hanger. This makes more space in the closet because you are using less hangers to hang up the same amount of stuff. You can also put outfits together on them and like items of clothing so while you are creating more space, you can also organize your closet better.
  • Use shelf dividers to better organize your shelves and make better use of the space. You can make cubbies for different items like purses or scarves and get more use out of your shelves.