GreatFlorida Insurance - Donna Creel - West Pensacola Insurance

Homeowners Insurance Quotes in West Pensacola, FL

Donna Creel, Agent

850-378-2500

6705 Pine Forest Rd - Suite 300
Pensacola, FL  32526
Fax : 850-807-5071

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Homeowners Insurance West PensacolaHomeowner's Insurance

Homeowner's Policy Coverages

A West Pensacola Homeowner's Insurance policy is designed to cover the structure of your home, and includes protection for various kinds of Personal Property as well as Liability coverage. Want to know more? Give us a call at 850-378-2500 to speak to a local agent.

Home Insurance Coverage — What Is Covered

Standard home insurance coverage policies provide the following types of coverage, up to the limits outlined in the policies:

  • Dwelling — Pays for damage or destruction to your house and any unattached structures and buildings. Examples include fences, attached garage, or patio cover.
  • Personal Property — Covers the contents of your house, including furniture, clothing and appliances, if they are stolen, damaged, or destroyed.
  • Liability — Protects you against financial loss if you are sued and found legally responsible for someone else's injury or property damage.
  • Medical Payments — Covers medical bills for person(s) injured on your property.
  • Loss of Use — Pays for additional living expenses if your home is uninhabitable due to a covered loss. Most standard West Pensacola Homeowner's Insurance policies pay 10% to 20% of the amount of your Dwelling coverage.

Does my policy cover hurricane damage?

Yes, your homeowner’s insurance policy will cover damages cause by windstorms. The deductible for hurricane damage can range from 2% to 10% of the insured value of the dwelling depending on the policy.
NOTE: Hurricane damage is normally covered, but may be rejected in certain situations.

What does the hurricane deductible mean?

This is the amount that you, the policyholder, will have to pay out of pocket. For example, if your home is insured for $250,000 with a 2% wind deductible and has hurricane damages of $50,000.
The amount of the deductible will be 2% X $250,000 = 5,000.

The remaining amount ($45,000) would be paid by the insurance policy. What factors can affect West Pensacola Homeowner's Insurance premiums?

Home Features and Characteristics — The age of your home, type of structure, wiring, roof, garage, etc., can affect your West Pensacola Homeowner's Insurance premium. Older homes can often cost more to insure, and those costs can differ depending on whether your home is brick, frame, stone or has synthetic siding.

Location — Where your home is located can change your West Pensacola Homeowner's Insurance premium. For example, your home insurance rate can be affected if your home is in close to a fire station; is exposed to extreme weather, such as hurricanes, tornadoes or earthquakes; or is in a neighborhood more prone to theft.

Protective Devices — Burglar alarm systems, smoke detectors, fire extinguishers, sprinkler systems and deadbolt locks can lower your West Pensacola Homeowner's Insurance premium.

Personal Factors — What you do can affect your West Pensacola Homeowner's Insurance premium, too. For instance, smokers may pay more for home insurance than nonsmokers. A good credit history also can lower what you pay for home insurance.

Claims History — If you have a history of claims on a West Pensacola Homeowner's Insurance policy, you may pay a higher premium.

Discounts and Special Programs

There are many discounts are available on West Pensacola Homeowner's Insurance policies. For example, you may qualify for a discount if your home has an updated roof, a monitored alarm system, hurricane shutters or impact windows in West Pensacola.

Payment Options

In many instances your West Pensacola Homeowner's Insurance policy can be escrowed in with your mortgage. However, if you need to pay separately, many carriers now offer several convenient payment options.

Does my policy cover floods?

The fact is that Florida homeowner insurance does not cover damage caused by flood, and federal disaster assistance is only offered when the president declares a major disaster (which only happens in 50% of flooding situations).

Unfortunately, most people do not find this out until it is too late. However, flood insurance is available to protect homes and businesses and their contents in communities that participate in the National Flood Insurance Program.

Simply call 850-378-2500 or complete our online quote request form. A GreatFlorida Home Insurance Agent will help you find the best deal for you.

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Call 850-378-2500

About Homeowner's Insurance in West Pensacola, FL

GreatFlorida Insurance agents can easily explain the specific needs of your home in West Pensacola, FL. Along with mortgage requirements and the difference between dwelling, personal property, liability, medical payments and loss of use coverage as well as available discounts.

Get a Free Insurance Quote from your local GreatFlorida Insurance agent. They will help you find the most affordable options.

Your home is likely your most costly asset. It contains your belongings and valuables and more importantly your family and cherished memories.

After the overwhelming task of finding a new home in West Pensacola, it can be tempting to settle by purchasing a basic homeowner’s insurance policy that could leave you with inadequate coverage or paying for more coverage than you need.

GreatFlorida Insurance in West Pensacola, FL will make sure your homeowner’s insurance policy will provide adequate coverage to protect your home from fires, hurricanes, break-ins and more. Compensation for your financial loss will allow you and your family to continue living comfortably.

Florida Homeowners  Insurance Blog
by GreatFlorida Insurance
7/17/2018

A new driver in the family is exciting. However, it can also be the source of stress. Aside from safety concerns, car insurance costs increase significantly.

Teen crash rates are the highest of any age group, making them the riskiest group on the road. Adding a teen to the family car insurance policy can sometimes double the payments.

“While car insurance can get pricey for teens, discounts are available,” says Ellsworth Buck, Vice President of GreatFlorida Insurance. Below are some discounts available to teen drivers to cut auto insurance costs.

Good Grades

Good student discount rewards students financially, for doing well in school. According to DMV.org, statistics show that students who get good grades are less likely to get into a car accident, making them a lower risk for car insurance companies. A Good grade discount varies among auto insurance companies, however most require the following:

The student is under 25 years old

Full-time enrollment at a high school or college/university

Maintain at least a B average (3.0 grade point average), or be on the honor roll or Dean’s List.

Show other accepted proof of good performance, if home-schooled.

Score in the upper 20 percent on one of the six standardized tests.

Some insurance companies will extend the discount for a year after a student completes school.

Driver’s Education

Safety is the top concern for parents of a teen driver. The Centers for Disease Control and Prevention (CDC) report, motor vehicle crashes are the leading cause of death for U.S. teens. Driver safety courses teach new drivers rules of the road, as well as offer teen drivers savings.

Students who complete a driver training program, are eligible for a discount. DriversEd.com reports drivers can earn a discount of up to 10 percent after completing their course. Some insurance providers have special courses where students can earn over 15 percent savings.

Electronic Device Technology

Several auto insurers now offer electronic devices to monitor teen driving habits. The devices gather information such as, the number of miles driven, speed, the number of hours on the road and how often the brakes are applied hard. Drivers who meet the standards can save up to 30 percent on premiums.

“These devices are great for safety and savings,” says  Buck,  of GreatFlorida Insurance.

Distant-Student Discounts

If your student driver, resides at a school at least 100 miles from your home and only occasionally drives your vehicle, you could qualify for a discount on your auto insurance.

Car Selection

While most teens dream of receiving a brand-new car for their 16th birthdays, the reality is, they will most likely be driving something used. A used car will save you money to insure instead of insuring a new one. Large trucks and SUV’s cost more to insure, particularly if they have a four-wheel drive option. Some car features that can save money include; anti-lock brakes (ABS), air bags, adaptive cruise control, lane departure warning, collision preparation systems and anti-theft devices.

 

The post Lowering a Teen Drivers Auto Insurance appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
7/12/2018

“Fishing, tourism and public health are vulnerable to algae this year in Florida”, observes Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent boat insurance company.

Red Tide

A patchy bloom of the Florida red tide organism, Karenia brevis, persists in Southwest Florida. You might recognize red tide on the beach. It looks like thick mats of smelly, brown, seaweed and covers beaches along Florida’s Atlantic Coast.

Red Tide is a naturally-occurring microscopic alga that has been documented along Florida’s Gulf Coast since the 1840’s and occurs nearly every year. Blooms, or higher than normal concentrations of the Florida red tide alga, Karenia brevis, frequently occur in the Gulf of Mexico, according to the Florida Fish and Wildlife Conservation Commission (FWC).

The National Oceanic and Atmospheric Administration (NOAA), reports some red tide produces toxins that have harmful effects on people, fish, marine mammals and birds. In humans, the toxin can become airborne and varying levels of eye and respiratory irritation can occur, becoming more severe for those with pre-existing respiratory conditions, such as asthma. Even touching the bloom can cause a rash.  MOTE Marine Laboratory & Aquarium issues daily beach conditions from beaches along the Southwest coast and along the panhandle. Try checking their website before you head out for the day.

Toxic Algae Bloom

Red tide is not the only algae growing in Florida. Two years ago, some Florida waterways and beaches were afflicted by what many described as a green, slimy, rancid- smelling algae. Well…it’s back. The Florida Department of Environmental Protection (DEP) reports the blue-green algae also known as cyanobacteria, typically develops in nutrient-rich lakes that contain high levels of phosphorous and nitrogen. High temperatures, warm water and abundant sunlight create ideal conditions for the toxic blooms to thrive.

Lake Okeechobee, the Caloosahatchee River and St. Lucie estuary are filled with the toxic algae as it continues to spread to Cape Coral and Ft. Myers. “Just cleaning up the water will not help, points out Buck with GreatFlorida Insurance, Florida’s largest independent boat insurance agency. Both red tide and the blue-green algae are exacerbated by fertilizers and other pollution fed by runoff from the surrounding land.

The blue-green algae can cause skin rashes, nausea, respiratory issues, cramps, diarrhea and vomiting. Long term conditions include; liver, kidney and nervous system damage.

Governor Rick Scott declared a state of emergency this week for seven counties around the lake to give state environmental and tourism agencies more resources to respond to problems caused by the algae. The order also authorizes flushing water south of the lake instead of down the rivers that run to the coasts.

The post Algae Plagues Florida Beaches and Waterways appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
7/5/2018

The interior of a parked car in Florida averages 150 degrees, according to researchers at the University of Central Florida.

“Every driver in Florida is familiar with the intense heat that greats you as you open the car door on a hot day,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent car insurance agency. Not only is a hot car terribly uncomfortable, but cooling your car down quickly can keep you from looking like a hot mess before you arrive at your destination.

Engineers at Consumer Reports found the best method for cooling off a hot car as soon as possible. The following are their instructions for how to do it.

“These tips will help you get the most from your air conditioning system while burning less fuel,” says Buck, with GreatFlorida Insurance, Florida’s top independent car insurance agency.

Don’t Pre- Cool

Don’t run the air conditioning in your car until you are ready to drive. The A/C works better when you are driving. Once you are on your way, open the windows and crank the fan to full blast. When cold air starts coming through the vents, close the front windows but keep the rear windows cracked open for another 10 – 20 seconds. This gets cold air to the back of the car and creates an easy path for the hot air to escape the cabin.

Go Low

Adjust the temperature and fan. Setting the temperature to the coldest temperature and adjusting the fans speed keep the air from drying out, making the A/C more efficient saving you some fuel.

Don’t Recirculate

If passengers are in the backseat, turn off recirculation mode. This takes air from the front of the car and pulls it back through the front system keeping the people upfront cool, but leaves the air in the back stale and hot.

Turn Off Start/Stop

Newer cars have an auto start-stop system, turn it off. This feature saves fuel, but it can also keep the air conditioning compressor from running when it shuts the engine off. In very hot weather, you will notice the lack of cool air quickly especially if you are stuck at a lengthy stoplight or in stop and go traffic.

Check the Air Filter

Check your cabin’s air filter to make sure it is clean. A dirty filter prevents air flow.

Automatic Climate Control

If you have automatic climate control in your car, lowering the temperature doesn’t make the car cool off faster. Most systems will do all the temperature and fan adjustments automatically, so you can just set it and forget it.

The post How to Cool Your Car Down Quickly appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
6/27/2018

On July 4th people across the country express their American patriotism by celebrating Independence Day.  A quick history refresher- On July 4, 1776, the Declaration of Independence was officially adopted, declaring the 13 colonies liberated from England.

“Independence Day is a festive day to reflect on the privilege of freedom and democracy we enjoy in this country,” said Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Below is some information you might find useful in commemorating this Independence Day.

FIREWORKS- What is legal and what’s not?

The 4th of July is all about fireworks.

In Florida, nothing airborne or exploding is legal including shells and mortars, tube devices, Roman candles, rockets and even firecrackers. Although, you can legally purchase fireworks if you sign a waiver. The waiver states that you will be using the fireworks to scare away birds from agricultural products or fish hatcheries, according to Florida Today. Lying on the form is a first-degree misdemeanor.

Illegally using fireworks is also a first-degree misdemeanor, punishable by up to one year in jail and a $1,000 fine. However, sparklers, snakes and party poppers are legal. Keep in mind, there is still a risk of injury using sparklers. The U.S. Consumer Product Safety Commission (CPSC) reports 8 deaths were caused by fireworks in 2017 along with 12,900 emergency-room related injuries. Sparklers were the number one cause of injuries.

The South Walton Fire District recommends the following guidelines to light it up safely:

Keep a bucket of water close by or a garden hose.

Don’t light anything on dry grass, look for a flat surface.

Never try to re-light a “dud” and light one item at a time.

Do not use unwrapped items or items that may have been tampered with.

Only purchase fireworks from a licensed vendor.

Light up in an open area.

Never allow young children to play or light fireworks.

Keep any part of your body from being directly over a fireworks device when lighting the fuse.

Never carry sparklers in your pocket or shoot them off in metal or glass containers.

DRIVING

More people are killed in car accidents on Independence Day than any other day of the year. “The staggering amount of traffic contributes to that grim statistic, reminds Buck with GreatFlorida Insurance, Florida’s top independent homeowners insurance and car insurance agency.

Along with a high traffic volume, drinking and driving adds to dangerous road conditions. Alcohol also exacerbates dehydration, intensifying the effects of alcohol and causing drowsiness. Distraction from fireworks, is likewise a source of car accidents.

GreatFlorida Insurance is available 24/7 to help with your insurance needs. We offer quality and affordable homowners insurance coverage to Floridians across the state. Call us at 1-888-478-7801 or check us out online at www.greatflorida.com.

The post Make Independence Day unforgettable-in a good way appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
6/6/2018

Following the devastation of last year’s hurricane season, lawmakers promised many changes. However, as this year’s storm season begins, only a few changes are on the books.

“After billions in damages, most Floridians were expecting to see more changes this hurricane season,” comments Ellsworth Buck, Vice President of GreatFlorida Insurance.

According to the Associated Press, “The Florida House of Representative’s Select Committee on Hurricane Response and Preparedness issued 78 recommendations over the past year, with 27 being acted upon, mostly as appropriations in the state budget.”

The few substantial changes made include, ensuring nursing homes and assisted living facilities have a supply of generators and three days of fuel. Also, the creation of a disaster preparedness sales tax holiday occurring now through June 7. Certain storm supplies are tax exempt, such as: flashlights, batteries, candles, reusable ice packs, fuel containers, ratchet straps and portable generators.

Preparedness is essential, but understanding risk is also important. “As we head into hurricane season, know your homeowners insurance deductible and limits. You want to be insured for your home’s replacement costs,” reminds Buck of GreatFlorida Insurance.

Most homeowners insurance cover hurricane wind damage, but not flood damage. Flood insurance is separate from your homeowners coverage. Federal Emergency Management Agency (FEMA) officials advise everyone with a home in Florida to get flood insurance, despite what a flood map might say.

To improve the publics knowledge of risk, the National Hurricane Center is making improvements in forecasting. New public advisories will better help communicate danger, especially those in an evacuation zone. Adjustments are being made to official hurricane track maps. Experimental wind maps will become official. And advisories will include potential impacts further in advance.

Access to fuel and transportation presented a real problem for those trying to evacuate. In order to ease congestion, a promise to identify larger gas stations along evacuation routes and improved fuel delivery to those areas.

Insurance is designed to help people rebuild their lives. GreatFlorida Insurance can help protect your home with a Florida flood insurance policy provided by the National Flood Insurance Program. We also offer homeowners insurance and rental insurance. Check us out online today.

 

 

 

 

The post Changes this hurricane season appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
5/23/2018

A sink hole is growing on the North Lawn of the White House. We will resist the temptation for commentary and jokes.

“Sinkholes are nothing new to Floridians,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowner insurance provider.

However, concerning experts, are the recent heavy rains throughout the state, that may lead to additional sinkholes. Such as the ones in The Villages or the more than a dozen that opened in an Ocala neighborhood earlier this month.

Speaking to a local news agency, Dr. Anthony Randazzo, professor at the University of Florida calls the stretch of land between Tallahassee and I-4 through Central Florida, “sinkhole alley.”

Dr. Randazzo says last year’s Hurricane Irma is responsible for over 400 sinkholes. Recent heavy rainfall is exacerbating the problem.

Sinkholes occur in Florida so often because the peninsula is made up of porous rocks such as limestone or sandstone, which can dissolve over time as they interact with acid naturally occurring in rainwater, according to the Florida Department of Environmental Protection.

So, what happens if a sinkhole develops near or on your property? Florida law requires insurance companies to provide coverage for catastrophic ground cover collapse.

“However, sinkhole damage must meet specific criteria and may not be covered by your homeowner’s insurance policy,” says Buck with GreatFlorida Insurance.  “The law defines sinkhole damage differently from catastrophic ground cover collapse. Sinkhole coverage is available to add to a homeowner’s policy for an additional cost.”

Florida homes do not require inspection for the possibility of sinkholes. Also, most builders do not have them inspected, because of the additional expense. It is impossible to predict when and where the exact location of a sinkhole might develop.

Only a licensed, professional geologist with training in identifying sinkholes, might be able to determine the possibility of sinkhole activity. It is important to keep in mind, not all potential sinkhole activity can be identified.

As a protection to buyers, home sellers are required to disclose when a sinkhole claim was made on a piece of property and the amount that was paid to repair the damages.

You can call the Florida Department of Environmental Protection at 850-245-2118, with a sinkhole question.

The post Heavy Rain Responsible for Sinkholes appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
5/16/2018

The 2018 Atlantic Hurricane season begins June 1 and runs through November 30. “Current research proves hurricanes are growing stronger and occurring more frequently,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

Colorado State University predicts a slightly above average Atlantic hurricane season, with 14 named storms, seven hurricanes and three major hurricanes. Whereas, The Weather Channel, is predicting 13 named storms, six hurricanes and two major hurricanes.

While thunderstorms commonly occur in Florida, hail is not as common. It is a type of frozen precipitation that occurs within strong to severe storms any time of the year. Hail causes approximately $1 billion in property damage annually nationwide.

Hail can dent your automobile’s hood, trunk and doors. It can break and crack mirrors and windows and cause damaged or stuck doorjambs.

“It is really tempting to observe the novelty of anything frozen falling from the sky but hail can be dangerous, especially if it is sizable,” reminds Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent auto insurance agency.

If you are out driving when a hailstorm hits, don’t panic. Below are tips to stay safe on the road.

Slow down and be aware of other drivers around you who make not know how to react when driving in a hailstorm.

Create distance between you and the driver ahead of you.

Safely, get off the road. The impact of hail is greater on a moving object, so your car is at greater risk of damage when it is moving forward.

Look for coverage close by such as a gas station awning or garage.  Avoid trees, falling branches can cause more damage.

If you stop under a bridge or overpass be sure to pull completely out of traffic lanes and onto the shoulder.

Do not leave your car.

Try and keep your car at an angle so hail hits it from the front. Windshields are reinforced to withstand pelting objects. Side windows and back glass are not, they are much more vulnerable to shatter or break.

If the hail is severe, cover your eyes or the eyes of any passengers with a blanket. Get face down in the backseat or floor, face away from any windows.

Stay clear of culverts or ditches that quickly fill with water.

Most comprehensive auto insurance policies will cover hail damage. Once the hail damage is accessed, work with your insurance agent to file a claim and get your car into an auto body shop to repair any dents or other damage caused by the storm.

The post Protect Your Car from Hail Damage This Storm Season appeared first on The GreatFlorida Insurance Blog.