GreatFlorida Insurance - Adrian Bishop - Vero Beach Insurance

Umbrella Insurance Quotes in Vero Beach, FL

Adrian Bishop, Agent

772-794-4700

1355 U.S. 1 - Suite 8
Vero Beach, FL  32960
Fax : 772-794-1111

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Umbrella Insurance Vero BeachUmbrella Insurance

Lawsuits are not reserved for the rich and famous, unfortunately, no one is immune.  Disastrous circumstances can leave you in debt if you are not protected.

An umbrella insurance policy goes beyond the limitations of traditional insurance.

GreatFlorida Insurance provides extra liability insurance from lawsuits, property damage, injuries, slander and libel, worldwide incidents and false arrest and imprisonment as well as shock and mental anguish for residents of Vero Beach.

Our umbrella insurance is designed to protect you and your family from major claims and lawsuits. It is security without the huge costs.

An umbrella policy will cover medical bills and claims of an incident that occurs on your property such as a dog bite, pool injury or death, or boating incident. Property damage liability covers damage you are responsible for such as a serious auto accident.

It can also safeguard rental property you own. Without an umbrella policy your assets, college fund, salary and retirement savings are vulnerable.

GreatFlorida Insurance is here to support you and your family when a crisis occurs. Prevent your family from financial ruin by signing up for an umbrella policy to shelter your family’s future.

Umbrella Insurance Vero BeachCover Your Bases with Umbrella Insurance

It's the part of insurance that we all dread, policy coverage limitations. You pay for insurance expecting complete protections.

Unfortunately, we all know that while it's essential to arm yourself with insurance policies that protect your assets, there are occasions where those policies just aren't enough.

You can hope that you have great luck and will never need more than your policies cover, or you can invest in umbrella insurance.

Contact a GreatFlorida Umbrella Insurance Agent in Vero Beach for your free quote today by calling 772-794-4700 or by taking a few moments to complete our online quote request form.

What is Umbrella Insurance?

Umbrella Insurance is like the super hero of insurance policies. It saves you by breaking the chains on the limitations of auto, boat and home insurance.

Basic policy exclusions are no match for umbrella insurance. Get added protection from such liabilities and incidents like:

  • Lawsuits
  • Property damage
  • Injuries
  • Slander and libel
  • Worldwide incidents
  • False arrest and imprisonment

How do I know if I need an umbrella insurance policy?

Do you want to know you're protected against the limits of your policies? Do you want coverage on items that are excluded from your policies?

If you answered "yes," an umbrella insurance policy is your answer.

Simply call 772-794-4700 or complete our online quote request form. A GreatFlorida Umbrella Insurance Agent in Vero Beach will help you find the best deal for you.

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Florida Umbrella  Insurance Blog
by GreatFlorida Insurance
10/9/2018

Driving in the rain is stress inducing.  According to the U.S. Department of Transportation, it is more dangerous to drive on a rainy day than a snowy one. Most weather-related crashes happen on wet pavement-70 percent and during rainfall-46 percent.

“Sometimes rain seems like no big deal, but it’s a good idea to follow safe driving techniques when driving in inclement weather,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

Slow down and keep calm

When the weather takes a turn for the worst and you must get behind the wheel, make sure you are alert and attentive. Reduce distractions. Also, even if it is raining during the day, it is a good idea to turn on your headlights to increase visibility. Keep your pace slow and steady. Leave plenty of extra space between you and the car in front of you, five seconds is advised.

Avoid hydroplaning

Hydroplaning is the biggest risk to driving on wet pavement. It occurs when a layer of too much water gets between the road and your tire, preventing the tire’s tread to properly grip the road.

“Rotating your tires and maintaining proper tire pressure will keep you tires it good condition, this helps prevent hydroplaning,” reminds says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent auto insurance agency.

To prevent hydroplaning, avoid the outer lanes of the road where excess water accumulates.  Also, drive in the tracks of the car in front of you. Another word of caution, turn-off cruise control. Cruise control causes you to lose control on wet surfaces. If you hydroplane while in cruise control, your car will accelerate.

Popular Mechanics recommends, “If you start to hydroplane, keep both hands on the steering wheel and gradually apply the brakes. Slamming on the brakes or jerking the wheel can cause a skid.”

Water and wind

Keep a firm grip on the wheel if it is windy.  Be aware of vehicles around you, larger vehicles are more susceptible to high winds and could have trouble staying in their lane.

When it comes to standing water, avoid driving through a puddle with an unknown depth. If you are confident the puddle is only and couple of inches, slow down before coming to it and do not brake until you drive out of it.

Motorcycles

For those riding on motorcycles, be sure to wear proper gear especially for your feet and hands. Likewise, invest in a clear, anti-fog faceshield or goggles.

GreatFlorida Insurance offers reliable and affordable car insurance as well as motorcycle insurance. Contact us today!

The post Avoid driving like a maniac in bad weather appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
10/2/2018

It’s fall in Florida, that means, football, pumpkin-spice and flu shots. October just started and there are already confirmed cases of the flu.

Last year, 80,000 people died from the flu in the U.S. The largest number of casualties in four decades, according to the Centers for Disease Control and Prevention (CDC). Americans made 900,000 hospital visits. The CDC also reports last year’s flu season, was the most severe since the pandemic in 2009.

“There is really no reason to avoid a flu shot this year,” comments Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent health insurance agency in Florida. “It’s readily available, quick and for most people free.”

The Florida Department of Health recommends everyone over the age of six months old receive a flu shot by the end of October. The flu vaccine is convenient to get and available at most pharmacies such as CVS, Publix and Walgreens, walk-in clinics, public health facilities and your doctor’s office.

“Many health insurance companies cover the cost of the flu vaccine, but in case, check with your insurance beforehand to see if your plan requires your shot from a particular office or location,” reminds Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent health insurance agency.

The Florida Department of Health reports, “Influenza or the flu, is a respiratory infection caused by a variety of flu viruses. The “flu” is a common catch-all term used for a variety of illnesses, but it correctly applies only to the upper respiratory diseases caused by the influenza virus.”

While, getting a flu shot will not guarantee you will not get the flu, research shows people who receive the vaccination experience less severe complications. A CDC study in 2017, showed that vaccination reduced flu deaths among children with high-risk medical conditions by half and among healthy children by about two-thirds.

To keep updated of national and state flu activity, check out the Florida Health Department’s web page at: http://www.floridahealth.gov/diseases-and-conditions/influenza/index.html.

GreatFlorida Insurance is committed to helping Floridians stay healthy. Our experienced agents can offer you and your family quality health insurance policies to fit your needs while staying within your budget. Call us at 888-478-7801 or go online to www.greatflorida.com for a free quote today.

 

 

 

The post Think you don’t need a flu shot? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
9/27/2018

“Hurricanes and floods can endanger lives, economic viability and entire communities,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Seeing the destruction Hurricane Florence left behind in the Carolinas, is a heartbreaking reminder of the importance of flood insurance.  According to data from Pew Charitable Trusts, between 2000-2017, flood related disasters accounted for more than $750 billion in losses in the U.S. Flood related disasters are the most common and most expensive disaster threat in the nation.

Pew Charitable Trusts also reports, when Hurricane Irma hit Florida last year, 14 percent of the 3.3 million households in the nine counties affected by the disaster had flood insurance. Leaving many Florida residents to come out-of-pocket for repairs and expenses.

“Most homeowners are unaware of the natural disasters covered by a standard homeowners insurance policy,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s principal independent homeowners insurance agency.

A standard homeowners insurance policy covers natural disasters such as wildfires, tornadoes and hail storms. Two natural disaster categories a standard homeowners insurance policy will not cover are floods and earth movements.

Floods are defined as rising water from excessive rainfall, hurricanes, storm surge, dam failure and a tsunami. Earth movements include earthquakes, landslides and sinkholes.

A homeowner might have a hurricane deductible included on their homeowners insurance, however it will not cover the flooding caused by a nearby lake that overflows during a hurricane. Experts with CNBC say a hurricane deductible typically ranges from one to five percent, depending on the specifics on your homeowners insurance policy. The percentage is based on your insured value, not the damage caused.

Flood insurance is available with GreatFlorida Insurance, through the National Flood Insurance Program. Also, additional disaster coverage is available for addition to a standard homeowners policy. Do not wait until the report of a storm is looming. It takes 30 days for flood insurance to go into effect.

The post Understanding flood insurance appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
9/19/2018

Last year, the Florida Department of Law Enforcement (FDLE) reports 42,889 motor vehicles were stolen across the state. “Quite often, stolen cars are not recovered and if they are, they are not without damage,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent auto insurance agency.

The National Insurance Crime Bureau (NICB) released its annual Hot Wheels report identifying, the 10 most stolen vehicles in the U.S. during 2017.  The NICB also breaks down their research by the top stolen cars in each state.

Listed below are the vehicles and the most popular year stolen in Florida last year. Is yours a favorite among thieves?

  1. Ford Pickup (Full size) 2006
  2.  Nissan Altima 2016
  3. Toyota Camry 2017
  4. Honda Accord  2017
  5. Toyota Corolla 2016
  6. Honda Civic 2016
  7. Chevrolet Pickup (Full size) 2006
  8. Hyundai Sonata 2010
  9. Dodge Pickup (Full size) 2005
  10. Hyundai Elantra 2017

While anti-theft technology is an effective deterrent, beware of complacency. The NICB reports that thousands of vehicles continue to be stolen each year due to owner negligence. Many cars are taken because drivers leave their keys or fobs in the vehicle. According to the FBI, 25 percent of cars stolen in Florida had the keys in the ignition.

If your car is stolen, take the following steps. First, determine for sure that your car has been stolen. Make sure it was not towed or borrowed by someone without them asking for permission.

Once this is determined, call the police. “The police will need your vehicle identification number, VIN, which can be found on your car insurance ID card,” reminds Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.  The police will also need your license plate number, a description of the vehicle and any additional information your car may have such as GPS or telematics information. You will also need to fill out a police report, required by most insurance companies.

Next, contact your insurance agent. The insurance company will walk you through the information they need to file a claim on your behalf. If you are leasing or financing the vehicle, you will need to also contact the lender.

Make sure you are covered if your car is stolen with comprehensive car insurance from GreatFlorida Insurance. Contact an agent in your area today.

 

The post The most stolen cars in Florida appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
9/14/2018

Florida offers unique opportunities for fishing in the fall. Cooling water temperatures can result in great bites this fall.

“In the middle of hurricane season, always make sure to keep track of the weather before you head out,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent boat insurance agency.

As reported this week, a few storms are churning in the tropics. While none look like they are headed toward Florida, anglers need to be aware of dangerous rip currents and high seas as well as possible thunderstorms according to meteorologist at clickorlando.com.

Before you cast your line, you’ll need a fishing license, whether in local waters inland or off shore. There are exceptions for those fishing off a local pier or on a charter boat where a blanket license has you covered. To find out more about Florida fishing licenses, click the links below.

Saltwater license

Freshwater license

Popular catches in the fall in freshwater include bass, crappie and catfish.

In saltwater you can hook, red snapper, grouper, king mackerel, red fish, trout and snook. However, Florida Fish and Wildlife Conservation Commission (FWC) has temporarily made snook and redfish catch-and-release only from the northernmost point of Anna Maria Island in Manatee County to Gordon Pass in Collier County. This was done through and Executive Order in response to the impact from red tide bloom in southwest Florida. This order is an effect until the next FWC meeting September 26-27.

However, you do not always need a boat to make a good catch. During the fall mullet run, anglers without a boat have the opportunity to catch big game fish.

“When the weather cools down and the visitors clear out, that is when the water really heats up,” says Buck, Vice President of GreatFlorida Insurance, Florida’s top independent boat insurance agency.

GreatFlorida Insurance can make sure you are fully prepared before you head out to trawl with premium boat insurance at affordable prices. Contact a GreatFlorida Insurance agent to make sure you have proper boat insurance and adequate coverage for all your fishing equipment.

The post What you need to know about fall fishing appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
9/6/2018

Animal related insurance claims

 Florida is known for its abundant wildlife population. Green space surrounds many of our highways, increasing the chances of an animal-auto collision.

“When driving at night, it is almost impossible to avoid a collision once an animal steps or jumps onto the roadway,” observes Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent auto insurance agency.

The U.S. Department of Transportation claims an estimated one to two million collisions between a car and large animal occur every year.

A recent study from the National Insurance Crime Bureau (NICB), analyzes the number of animal-related insurance losses for the years 2014-2017.  All animal-related claims went up 6 percent over the four-year period.

The most common animals involved in auto collisions include: deer, racoon, dog, turkey, coyote with deer being the most frequent victim. Additional animals often struck by cars in Florida include the alligator, Florida panther, black bear and birds.

“If animal related accidents are a concern for you or you frequently travel near wooded areas, you might want to check out comprehensive coverage through your car insurance policy,” recommends Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

Consider these wildlife-auto collision statistics from the Department of Motor Vehicles (DMV).

A collision with some form of wildlife occurs on average every 39 minutes.

The average repair cost of a car-deer collision is $2,8000.

Approximately 200 motorists die every year in car-wildlife collisions.

1 out of every 17 car collisions involve wandering wildlife.

89% of all wildlife collisions occur on roads with 2 lanes.

84% of all wildlife collisions occur in good weather on dry roads.

If you unexpectedly come upon an animal in the road while driving, experts advise not swerving. Consequences could be more severe if you hit an oncoming vehicle. It is recommended to hit your brakes, honk the horn and duck low behind the dashboard.

The post To Swerve or Not to Swerve appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
8/23/2018

Good relationships between neighbors strengthen the community you live in, however conflict between neighbors can lead to serious tension, lawsuits and even violence. “Discerning between an annoyance and a true nuisance will help you decide what course of action to take,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Below are a few of the most common neighbor complaints and how to handle them graciously.

Noisy neighbors

Firing up the lawn mower at 7 am on a Saturday, a barking dog, loud music or parties can violate your peace.  Whether you live in an apartment, condo or home with a yard, noisy neighbors are unsettling. Addressing your neighbor about noise is best handled with diplomacy while keeping your cool. Dealing with the issue before it threatens your civility is recommended. If the noise continues to persist after making a request to your neighbor, check to see if your community has laws prohibiting unreasonable noise, a noise ordinance or designated quiet times. You can also contact your landlord, or neighborhood association.

“If it comes to it, reach out to law enforcement who are trained to handle enforcing noise ordinances,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent homeowners insurance agency.

Overhanging trees

Trees contribute to the beauty of nature and provide wonderful shade; however, they are also the source of hostility between neighbors. Here is the lowdown on how to handle potential tree issues. You can cut back overhanging branches but avoid pruning a tree if it will cause damage to it. Most communities have laws against excessive pruning. It is a good idea to alert your neighbor before pruning. If a tree trunk straddles property lines, you and your neighbor both own the tree, so it is best to get your neighbors permission to prune.

Consumer Reports informs, if there is a hazardous tree belonging to you or your neighbor, the local government will often step in and handle the situation or force the owner of the tree to act. You can locate the appropriate agency by contacting city hall or the county courthouse. When it comes to leaves, fruit and debris, if a tree is jointly owned, you and your neighbor share the maintenance as well as the rewards. If the tree is not commonly owned, each of you deal with the debris on your own property.

According to legal support website, LegalZoom, “If the roots are pushing onto your property, they are considered an encroachment in the same manner as fences and other physical belongings.” They go on to explain, if the roots cross your property line, the tree owner is responsible for the removal.

Property Lines

If you feel as if your neighbor is encroaching upon your space, you will find yourself in a boundary line dispute. A little research is required. Check your deed or settlement papers indicating your property lines. If you cannot locate them, try finding your plat online.  Assume, it was a mistake and show your neighbor your findings. It might be necessary for you to both have the property surveyed. Mediation is the next suggestion. If a situation gets out of hand, call the police and report trespassing.

The post Won’t You Be My Neighbor? appeared first on The GreatFlorida Insurance Blog.