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.

How to Determine if You Have Enough Coverage

Your home insurance is something that makes a huge difference in how you live your day to day and how secure your home is in the case of a disaster. There are some different ways that you can test to see if you have enough coverage that can help you make sure you have the right policy each and every time. For those that live in the Longwood, FL area, the agents with Blanchard Insurance can help you find the right policy for you.

The first way to determine if you have the right coverage is to have your home assessed in terms of value. This is going to tell you how much your home is worth so that you can then determine how much it would cost to rebuild in your current economy. You then need to discuss with your agent how much your home is worth and how much coverage you really need.

Another tip is to think about any updates or upgrades you have made to your home. If you have upgraded your home recently you likely need more coverage. If you have added valuable contents to your home you may also need more coverage. You also want to keep property values in mind and how much risk your home is at. If you live near water, for instance, you might want to consider flood insurance. If you live near a factory you might want to get a bit more coverage as well.

Taking the time to figure out how much coverage you need is one real factor that people need to consider in order to make sure you are covered. The wrong home insurance could be a disaster. For those in the Longwood, FL area, the agents with Blanchard Insurance can help you find the right policy.  

Minimum Auto Insurance Requirements for Florida Drivers

Every Florida driver is required to purchase auto insurance, and they must have a minimum amount of coverage to legally drive in the state. You must also provide proof of insurance coverage before you can register your vehicle at the DMV, and you may have to purchase additional coverage if you have been found guilty of certain criminal offenses.

If you want to find the best auto insurance rates in Longwood, FL, it’s important to shop around, and be sure to take advantage of any online resources that may be available. You should also take a look at what’s available at Blanchard Insurance. They will be able to find a plan that will meet your needs and fit your budget.

The state of Florida requires any vehicle with four or more wheels to have the following coverage:

•    At least $10,000 in Personal Injury Protection (PIP)
•    At least $10,000 in Property Damage Liability (PDL)

The Florida DMV may ask you to purchase an additional amount in one or both of these areas if you have been convicted of certain crimes.

You have the option to purchase additional coverage in other areas (such as bodily injury and collision), and it may be advisable to do so because it could minimize your liability if you have an accident. Be sure to look around for the best rates in your area. And if you live in Longwood, FL, be sure to speak to an agent at Blanchard Insurance. They will be able to come up with a comprehensive plan that will meet your needs, and they’re more than happy to work within your budget. Be sure to call their offices so you can get the auto insurance coverage you need! They would be happy to speak with you!

 

How salty sea air affects your car’s paintjob in Longwood

Longwood, FL is one of the best places in the world to live. You get to enjoy warm weather all year long, and you’re never more than a short drive from the beach. But, being that close to the sea does have some downsides for your automobile. Namely, the salty sea air can do a number on your car’s exterior if you’re not careful.

The problem is that the salt starts to collect on your car and build up. A little bit here and there is no big deal, but let it collect without cleaning it, and your super cool James Bond-mobile is going to start looking very Mad Max very soon.

Salt is one of the most absorbent substances in the world. Anything it touches, it starts to chew away at. When you see those beach homes with the support beams on their last legs, that’s because salt was allowed to accumulate on the surface until it ate its way through to the core. The same thing can happen to your car, leaving you calling Blanchard Insurance to see what your policy says about salt damage.

If you live less than 100 miles away from the ocean, then this concerns you. Farther than that and the damages are minimal. If you live in Longwood, FL, especially if you like to take regular trips to the sea, then this is something to consider.

The only way to prevent this: Keep your car clean and waxed, and cover it up if you’re going to be letting it sit for awhile. This will keep the moisture from collecting on it. You can get coverage against certain kinds of wear and tear through Blanchard Insurance, but as they say, an ounce of prevention beats a pound of cure.

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.