GreatFlorida Renters Insurance - Palm Harbor, FL - Scott Villwock
Renters Insurance in Palm Harbor, Florida
Renters Insurance Agency in Palm Harbor, Florida

Renters Insurance Agency - Palm Harbor, FL

Scott Villwock

727-771-0505

Scott Villwock - GreatFlorida Insurance - Palm Harbor, FL.

34750 US Hwy 19 North
Palm Harbor, FL. 34684
Fax : 727-771-1010

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Palm Harbor, FL Renters Insurance

Renters Insurance | Palm Harbor, FL

Your dwelling might not be your permanent place in Palm Harbor, FL, but it is where you currently call home. GreatFlorida Renters Insurance will cover the contents of your house in the event of a fire or break-in as well as cover expenses for a visitor who slips and falls on your property.

According to a 2013 Rent.com survey, 60 percent of renters do not have insurance coverage. Most think they do not have possessions worth that much but your clothes, shoes, linens, computers, appliances and jewelry can cost a lot to replace if damaged or stolen.

Scott Villwock at GreatFlorida Insurance Palm Harbor, FL has a renters insurance policy to fit every budget with monthly payments as little as the cost of lunch.  A landlord’s insurance policy covers the structure; renters in Palm Harbor, FL are responsible for their personal property. Take advantage of getting a lot of benefit for a small amount.

Your local GreatFlorida Insurance Agent in Palm Harbor can help you find the right Renters Insurance policy at the right price. more...

Florida Renters InsuranceRenter's Insurance FAQs

You do not have to own your property for it to be considered your home in Palm Harbor. It is often your possessions that are more treasured than the house, especially when renting.

While the landlord may have home insurance covering the structure, your personal belongings are not covered unless you have a renter’s insurance policy in place.

GreatFlorida Insurance has budget friendly renter’s coverage to protect against damage or theft of your small appliances, electronics, computer and entertainment equipment, clothes, shoes, jewelry, furniture, bikes and just about anything else you own.

Renter’s insurance is not only created for your possessions but, can offer protection if someone is injured at your rental property as well as  provide living expenses if your rental is damaged and you need to find temporary housing.

GreatFlorida Insurance can cover your rental property whether you live in a condominium, apartment, townhouse or home in Palm Harbor. Safeguard your personal effects with renter’s insurance today.

Florida Renters InsuranceProtect What's Yours with Renter's Insurance

Whether you own or rent your home, the fact remains that you want to protect your belongings and your family from life's unfortunate events.

While most people have heard of homeowners insurance, many renters don't know that there are special policies just for them called renters insurance.

Contact a GreatFlorida Renter's Insurance Agent in Palm Harbor to get more information on a renters insurance policies and to get your free renters insurance quote.

Call 727-771-0505 or take a few minutes to complete our online quote request form.

Why should I get a renters insurance policy?

Even though you may be living in a home that is protected by someone else's homeowners insurance policy, you want to be sure that your personal belongings and liabilities are covered.

If an accident, natural disaster or other unfortunate incident occurs, a renters insurance policy will make it easier to get back on your feet.

How do deductibles work with renters insurance?

Just like with other policies, a deductible is the amount that you agree to pay before your insurance policy begins to pay. However, it is important to note that this applies to personal property claims and not to liability claims.

Additionally, hurricane deductibles are applied differently since storms can cause damage multiple times in one year. Your GreatFlorida Insurance Agent in Palm Harbor can provide you with additional information on how deductibles work.

What personal items does a renters policy cover?

Renters insurance policies are designed to keep your assets safe. Take a look around your home. You probably have more personal property in your home than you initially realize.

Do you have?

  • Kitchen appliances and supplies
  • Electronics
  • Clothes
  • Shoes
  • Jewelry
  • Purses
  • Furniture
  • Entertainment systems

Protect items such as these with a superb renters insurance policy from GreatFlorida Insurance. Get your quote by calling 727-771-0505.

How about protection against personal liability?

When someone is hurt at your home, it may be as much your liability as it is the landlord's liability.

Not having proper coverage in place can be a costly mistake. Renters insurance will give you the protection you need whether you need to cover attorneys' fees or pay for the medical bills of those injured on your property.

Protection at home and away from home.

Damages and personal liability can by incurred whether you're home or away from home. For instance, if you accidentally set something on fire because of a faulty appliance or lapse in judgment, a good renters insurance policy can help you recover from those damages.

On the other hand, if your home catches on fire, suffers from water damage as a result of an action of your neighbor or building management, or is broken into, a renters insurance policy will be your best asset.

In these instances your policy will cover damaged items as well as pay part of your living expenses should you be forced out of your home due to the damage.

Renters insurance covers your belongings from natural disasters.

Florida is the Sunshine State. Our tropical climate draws visitors from around the world. However, it also leaves us susceptible to severe storms, floods, hurricanes, tornados, etc.

When you rent your home, you are not responsible for damage to the structure, but guess who is responsible for your personal belongings. You are.

The destruction of your home and personal belongings can be devastating. Give yourself and your family the best chance for a second start with proper renters insurance coverage.

You'll also ensure that you'll have financial support to pay for living expenses if you are forced out of your home.

Payment plans available.

Renters insurance can fit most any budget. You have the option of paying for the entire year upfront or paying a deposit followed by quarterly payments. Get more information when you contact a GreatFlorida Insurance Agent.

Get started by making a list and checking it twice.

How can you get started? Before calling GreatFlorida Insurance take inventory of your belongings. From furniture to appliances to electronics to clothes to shoes to clothing to jewelry, these costs can really add up.

Once you have an idea of the total value of your belongings, a GreatFlorida Insurance Agent in Palm Harbor will be able to put together the best possible renters insurance quote for you.

by GreatFlorida Insurance
8/20/2015

By August most Floridians are longing for cooler temperatures -we know that will be months away. The late summer temperatures can bring along a higher utility bill, but is it possible to reduce your summer utility bill while staying comfortable?

The US Department of Energy (DOE) estimates a typical US family spends at least $2,200 a year on home utility bills. They believe in taking a whole house approach to maximize yearly savings.

Investing

“Making an investment will pay off in the long run,” say Ellsworth Buck, Vice President of GreatFlorida Insurance. “Energy saving home improvements can qualify you for tax breaks and possible incentives from some homeowner’s insurance policies.”

Installing rooftop solar panels, a programmable thermostat, replacing windows purchasing energy efficient appliances, adding insulation or planting trees and bushes on your property are all effective methods for lowering your energy usage.

Simple Tips

There are a variety of methods for lowering your utility bills whether you are looking to make a long term investment or want to make more efficient use of how you utilize energy in your home.

Lighting

Change out light bulbs. The DOE reports if you change out your five most frequently used light bulbs with ENERGY STAR bulbs you can save $75 a year. Do not let sticker shock deter you, they use much less energy and last far longer.

Windows

Install white backed shades and curtains to reflect the sun. Awnings over the outside of south and west facing windows provide shade, greatly reducing the heat from the sun.

Electronics/Home Office

Unplug electronics such as computers, video game consoles and television sets when not in use. If that sounds inconvenient, think about using a power strip and turning off the power strip or placing items on a light timer.

There is an old myth is that computers last longer if they do not get turned off. This is simply outdated information that relates to mainframe computers. At least put your computer on automatic sleep mode if you do not want to turn it off.

Air

Check to make sure all your vents are opened-closing vents does not reduce energy consumption.

Replace air filters monthly, you can buy them in bulk at a hardware store.

Use fans, while they do not cool the air, they do circulate it helping you to maintain a consistent temperature in your home.

Water

Lower the thermostat on your water heater to 120 degrees F.

Install a low flow shower head.

Wash clothes in cold water. Heating the water for your washing machine accounts for 90 percent of the energy the washing machine uses, according to energystar.gov.

While thoroughly rinsing your dishes before they go into the dishwasher is good, that uses water. How you load them is more important. Utensils should be loaded in their designated carriage, handles facing down because they need less water than to other end. Plates on the bottom facing the center, cups and bowls on the top row with bowls slanted to reduce trapping water inside of them. Avoid placing large items such as serving platters facing the door of the dishwasher; they can prevent the detergent door from fully opening.

Turn off the heated dryer on your dishwasher and let dishes dry on their own.

Some Florida utility companies offer off-peak discounts between the hours of 7am and 7 pm. Try running the dishwasher and doing laundry in the evening.

GreatFlorida Insurance has offices located throughout Florida to provide dependable and affordable homeowner’s insurance and renter’s insurance. Our experienced agents will work to present you with options to choose from so you know you are getting the ideal insurance policy for you and your family.

HomeEnergyInfo

The post Tips for Reducing Energy Bills appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
8/13/2015

florida-renter-insuranceIn July, the Orlando Sentinel reported on a massive fire that took place at Tivoli Apartments. An entire building in the apartment complex was destroyed. Approximately 60 firefighters were called to the blaze. The State Fire Marshal deemed the cause of the fire accidental.

Thankfully, there were no reported injuries but 75 residents were displaced.  The nearby University of Central Florida (UCF), confirms 25 of those displaced are students at the university. UCF has been working with local businesses to supply food and toiletries as well as replace textbooks for affected students.

“We applaud the efforts of UCF and the surrounding community to provide supplies for the victims of the fire. It expresses a real sense of compassion and concern,” said Ellsworth Buck, Vice President of GreatFlorida Insurance. Unfortunately, without renter’s insurance, it can be expensive for students to replace all their items lost in the fire.”

Quite often, there are misconceptions regarding renter’s insurance. Common myths renters often believe include the following, renter’s insurance is too expensive, I don’t have enough valuables to get renter’s insurance or the landlord’s insurance will cover damages.

Renter’s insurance is actually quite affordable, typically costing less than $150 a year. So maybe you do not have brand new belongings. Many renters underestimate the cost of their property. Renter’s insurance covers the cost of electronics, clothes, dishes and more. Once you add up the cost to replace everything you own, you realize it is a lot more than you think.

A landlord has insurance on your property, but it is required to only cover the cost of the structure, not your personal belongings. Renter’s insurance will protect you from personal liability as well as cover damage you might accidentally cause to another tenants property. In the case of a fire or natural disaster, where you could become displaced, renter’s insurance can cover the cost of temporary housing.

At GreatFlorida Insurance, our agents will shop around to find the right amount of renter’s insurance for you. Every policy is personalized for each individual customer.  There is no need to pay for excessive coverage, but you want enough to meet your needs.  While your actual policy will be determined by variables such as location, your age and the amount of coverage you need, renter’s insurance typically falls into two different categories, a cash policy or a total replacement policy.

Florida-Renters-Insurance

An actual cash value policy covers the current costs of your stuff, taking into account its depreciated value. Let’s say you bought a laptop for $1200, two years ago. Its current depreciated value would be $500. The renter’s policy takes into account the deprecated value and pays out that amount.

A total replacement policy or reimbursement provision comes with a higher premium because it covers the cost of replacing your belongings currently, despite the price you paid.  This type of renter’s insurance is recommended for those who have invested in newer stuff.

A GreatFlorida Insurance agent can advise you on how to inventory your personal belongings and determine their worth, making sure your renter’s insurance offers adequate protection. Contact us online today.

Florida-Renters-Insurance-Costs

The post  Is Your Student Protected from Displacement? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
7/6/2015

This year’s Florida legislative session was filled with hostility and drama. The standard 60-day session ended three days early due to contention between the House and Senate on Medicaid Expansion. Without a state budget passed, a Special Session was called June 1 -20. An early end to the session, along with a stalemate, doomed many bills. This year there were many proposal casualties.

PASSED – NEW LAWS

  • Ticket quotas cannot be used to generate revenue for police departments.
  • States, counties and cities can only buy American made flags- a patriotic move
  • Attention craft beer lovers, 64 ounces of beer, known as “growlers” can finally be sold in Florida.
  • Drones cannot take pictures on private property; violators will not be arrested but can be sued.
  • Gay people can adopt children.
  • Florida school districts can start the school year as early as August 10.
  • Scale back testing in public schools
  • Tax cuts-about $400 million in tax cuts with sales tax holidays and a tax cut to cable, TV and cellphone services.

CASUALTIES
florida-public-employees-legislature1

  • Comprehensive state water policy
  • Medicaid Expansion
  • Prison Reform
  • Texting while driving considered a primary offense
  • Abolishment of the death penalty
  • Equal pay for women on state contracts
  • Education– school choice, eliminating sales tax on student textbooks, mandatory uniforms for K-8, a minimum $50,000 salary for new teachers, concealed weapons to be carried by designated employees on school property in K-12 schools, ban on concealed weapons on college campuses
  • Undocumented immigrants to obtain a driver’s license.
  • Tupelo honey designated as the official state honey
  • Expansion of gambling- a victory for Disney and other’s wanting to maintain a family friendly state environment
  • Legalization of medical marijuana

GreatFlorida Insurance has been serving Florida since 1991. Dedicated to helping Floridians make informed decisions about their insurance, we offer professional service and affordable insurance. GreatFlorida Insurance specializes in:  auto insurance, homeowner’s insurance, boat insurance, motorcycle insurance, commercial insurance, renters insurance, health insurance and umbrella insurance.

Our knowledgeable agents have 115 offices located throughout Florida. Reliability is a must for our customers. We provide 24-hour service, 7 days a week, 365 days a year. The right insurance coverage can give your clients peace of mind, knowing their investment is protected.

Call 888-478-7801 to talk to a local agent or go online to www.greatflorida.com for a free quote.


 

Sources: http://politics.heraldtribune.com/2015/05/06/legislature-sets-special-session/
http://www.forbes.com/sites/instituteforjustice/2015/05/18/florida-finally-legalizes-64-ounce-growlers/
http://www.tampabay.com/news/politics/stateroundup/what-passed-what-failed-in-floridas-2015-legislative-session/2234411

The post 2015 Legislative Session- What Passed What Failed? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
5/20/2015

Each year many Florida drivers commit a transgression resulting in the loss of their driver’s license. Thankfully, forgiveness is extended by the state in the form of an SR22 or FR44. To help get their license get reinstated and put drivers back on the road, GreatFlorida Insurance has launched a new website, SR22.greatflorida.com.

The new website provides information specific for Florida drivers who find themselves in need of an SR22 or an FR44. “Our insurance company has been providing  auto insurance to high risk drivers in Florida for years, despite the reluctance of many insurance companies to deal with these challenging circumstances. We feel the new website will share with the public our services and help by providing accurate information that is exclusive to Florida motorists,” said Ellsworth Buck, Vice President of GreatFlorida Insurance.

A popular misconception about an SR22 and FR44, they are not insurance but actually a certificate of financial responsibility. It informs the state that you have purchased the appropriate insurance limits required to drive. The certificate is filed by your insurance agent electronically directly to the state. This alerts the state that you are maintaining continuous insurance coverage.

An SR22 can be mandated by the courts for a number of reasons including: excessive tickets and previously driving without insurance. Florida is one of the few states that necessitates an FR44. An FR44 is mandatory for those who have committed a DUI. While they detail new and possibly higher insurance limits, neither of the certificates place restrictions on your driver’s license.

Florida SR22 Insurance

For more information on obtaining an SR22 or FR44, you can visit the new website, http://sr22.greatflorida.com/, where you will find answers to many of your questions.

GreatFlorida Insurance is insurance for Floridians by Floridians. Since 1991, we have faithfully served Florida residents and their insurance needs. Unlike many insurance companies in the state, we are a network of independent, franchised insurance agents located in communities across Florida. This means we are not bound to one company to fulfill your insurance requirements, but we can shop around to find the best coverage and price for you. This flexibility allows GreatFlorida Insurance agents to craft a custom insurance policy specific for your needs, not just offer a standard insurance policy.

GreatFlorida Insurance provides homeowners insurance, auto insurance, health insurance, boat insurance, motorcycle insurance, renters insurance, commercial auto insurance and umbrella insurance. We are dedicated to providing our customers professional, prompt and courteous service. We work with reputable insurance carriers across the nation such as: Travelers, Progressive, Nationwide and more.

It is savvy to make informed decisions about your insurance. GreatFlorida agents are there to guide you every step of the way by giving you options and simplifying the process of buying insurance. Contact us online or give us a call today.

 

 

 

 

 

The post Have you lost your Florida Driver’s License? Forgiveness awaits. appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
5/12/2015

Treadmill-walkers-gym-Depositphotos_11275390_xlThe recent death of Dave Goldberg, known Silicon Valley executive and husband of Facebook director Cheryl Sandburg is a tragic reminder of how average exercise equipment has the potential to seriously injure or cause death to individuals.

While treadmill deaths are rare, they do occur. In 2009, Exodus Tyson, four year old daughter of former heavyweight champion Mike Tyson, died after being strangled by the treadmill cord in her home.

According to the Consumer Product Safety Commission, 24,400 treadmill injuries were reported by emergency rooms in 2014, with an average of three deaths a year for the past ten years. Common injuries include: contusions, lacerations and friction burns.

“As with any heavy machinery in your home, it is important to carefully read the directions when setting up your treadmill and review safety instructions with family members, especially children to prevent injuries,” said Ellsworth Buck, Vice President of GreatFlorida Insurance.

Over 50 million people use treadmills, making it the most popular exercise equipment. Whether you use your treadmill to stay in shape or it has become a clothes hanger, it is crucial to be familiar with safe practices. Consumer Reports has recommended safety tips to get you and your family safe.

Keep the area clear. Leave plenty of space in the back  and on the sides to avoid getting pinned against a wall or crashing into something.

Use the safety key. If you clip this onto your clothing, as soon as you fall the machine will turn off.

Straddle the deck. Allow the belt to start moving before you step on it so it doesn’t catch you off guard, don’t start the treadmill while you are standing on it.

Stay focused. Keep your head up and don’t get preoccupied looking around or fumbling with your phone.

Know your limits. Keeping track of your heart rate is a good idea, if you begin to feel unusual, dizzy or numb, slow down or stop to prevent over exertion.

Come to a complete stop. Let the treadmill come to a complete stop before hopping off.

Keep children away. Make your treadmill off limits to kids for their safety. Remove the safety key and place it out of their reach.

People suffer injuries on treadmills  for many reasons such as, the sudden acceleration or deceleration of the treadmill, a user is unfamiliar with how the treadmill works, a slick belt surface, people are not paying attention or users lose their balance.

GreatFlorida Insurance believes in safety first. If you are looking for homeowners insurance, renters insurance or health insurance, our qualified, independent insurance agents can help. We have offices all over Florida to serve you and find affordable and reliable insurance coverage you can trust.
 

 

The post Treadmill Safety appeared first on The GreatFlorida Insurance Blog.

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