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.

 

 

Auto Insurance: Is It Really Necessary?

If you were able to make the decision on your own, you likely would choose to not get auto insurance so you could save money or put it towards other things. However, in the state of Florida, you are required by law to have auto insurance that meets the state minimums. Even with knowing the state minimum requirements, is auto insurance really necessary? Continue reading to see why we think it is in Longwood, FL.

What are the State Minimums in Florida?

Florida does not have as strict of requirements as other states but there is still a set minimum. As a Florida driver, this is what you should have covered in your insurance policy:

  • $10,000 of no-fault or personal injury protection (PIP) insurance.
  • $10,000 of property damage liability (PDL) insurance.

What Can Happen If You Do Not Have The State Minimum?

In Florida, you could face some penalties and you do not have to even get pulled over for this to happen. The DHSMV will know if you do not have a record of auto insurance and will contact you to get the proof or they will fine you. In this state, you will get fined for not having auto insurance. For the first offense, it is $150. For a second offense, you will pay $250. For every offense after that, you will pay $500. These amounts can add up very quickly if you do not get the auto insurance in time. It is best to get auto insurance because in the long run, you will save money by paying for that instead of fines.

If you are ready to get an auto insurance policy that meets state requirements and your budget, be sure to contact our agents with Blanchard Insurance, serving Longwood, FL, today. we will be happy to run some quotes for you.

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.