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
5/15/2019

You found your dream home. Now, it is time to conduct your due diligence by getting a home inspection.

A home inspection should not be skipped, it can save a home buyer from potential issues with their new home in the future,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent homeowners insurance agency.

Results from a home inspection could affect the purchase of a home. Florida homeowners are required by law to disclose all known problems that could negatively impact the value of a home to a potential buyer. Requesting an updated Seller’s Property Disclosure Statement is a good start. However, the seller can only disclose problems they are aware of regarding the property. A home inspection can reveal problems the current homeowner might not know about.

Home inspection services should be performed by a licensed home inspector. They are required to provide written reports of the home inspection. The report will contain detailed information on the property and be delivered no longer than a week after the inspection. Florida law requires the inspector to check the following:

Structural components including framing and the foundation of the home

Electrical system including service panels, breakers and fuses

HVAC system equipment and venting

Roof covering including shingles, flashing and skylights

Plumbing systems including pipes, drains, water heating equipment and sump pumps

Interior components including walls, ceilings, floor, windows, doors, stairs and railings

Exterior components including siding, soffit, porches, balconies, walkways, railings and driveways.

As well as site conditions that affect the structure

Keep in mind, home inspections are defined by Florida law as, “a limited visual examination.” While home inspectors cover a lot they do not cover the following unless specified.

Pest control and termites

Swimming pools and hot tubs

Appliances

Alarm systems

Fire and smoke detection and suppression systems

Environmental hazards-asbestos, radon gas, lead paint, toxic mold

Detached structures- docks, garages, sheds

Code compliance

Well systems

Several of these listed are real issues in Florida homes. To check for those, a specialized inspector is required.

“Make sure you hire a state certified home inspector,” recommends Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent homeowners insurance agency.

Your real estate agent, friends and family are great resources to find a dependable home inspector in your area.  Other resources include: American Society of Home Inspectors and Porch.

Make sure you get the adequate homeowners insurance you need with GreatFlorida Insurance. Contact us today.

The post What is and is NOT Included in a Home Inspection appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
5/8/2019

This year’s legislative session has come to an end. According to the Tampa Bay Times, lawmakers passed 195 bills of the 1,861 bills filed. Some bills were successful and for most of the others- there is always next year. Below are some highlights.

Winners:

Property Insurance Reform-Property insurance reform, commonly known as assignment of benefits (AOB). It will primarily limit attorney’s fees in disputes over assignment of benefits between insurance companies and contractors and authorizes policies that aren’t subject to assignment of benefits.

“After a long battle against insurance abuse, there is a victory,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent auto insurance agency.

The following are the bills provisions according to Insurance Journal.

  • Define “assignment agreement” and establishing requirements for the execution, validity, and effect of such an agreement
  • Prohibit certain fees and altering policy provisions related to managed repairs in an assignment agreement
  • Transfer certain pre-lawsuit duties under the insurance contract to the assignee and shift the burden to the assignee to prove that any failure to carry out such duties has not limited the insurer’s ability to perform under the contract
  • Require each insurer to report specified data on claims paid in the prior year under assignment agreements by January 30, 2022, and each year thereafter
  • Allow an insurer to make available a policy prohibiting assignment, in whole or in part, under certain conditions
  • Revise the state’s one-way attorney fee statute to incorporate an attorney fee structure in determining the fee amount awarded in suits by an assignee against an insurer
  • Require service providers to give an insurer and the consumer prior written notice of at least 10 business days before filing suit on a claim.

Texting- Texting while driving will now be considered a primary offense, meaning law enforcement can stop a motorist for just that offense. It is also illegal to use or hold your cell phone while driving through a school zone or construction zone.

Ride Share-Ride share services such as Uber and Lyft can provide non-emergency trips to the hospital for Medicaid patients.

Losers:

Personal Injury Protection (PIP)- A repeal to eliminate Florida’s no-fault auto insurance system, where drivers are required to carry personal injury protection coverage to help pay medical bills after accidents. “Each year an attempt is made to eradicate the old no-fault system and move to a bodily-injury coverage requirement, but it cannot get enough support from lawmakers, says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

Genetic Testing – Restricts insurance companies from using genetic testing information in selling policies or setting rates.

Sunscreen- Prohibits local governments from banning the sale of certain sunscreens.

Call GreatFlorida Insurance for all your auto insurance needs. We can craft a policy to suit your needs. Contact us today.

 

 

The post Winners and Losers from the 2019 Florida Legislative Session appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
5/1/2019

Would you let your kid ride with a stranger? USA Today recently featured an article asking, “Parents, would you let your kid ride an Uber or Lyft by themselves?” Kids getting rides through ridesharing companies is a growing trend.

“Parents have an emergency arise or they cannot get away from work, so they turn to rideshare companies such as Uber or Lyft to help them transport their kids,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent rideshare insurance agency.

While some parents feel this is a helpful transportation alternative, other parents feel it is too big of a safety risk for their children. The trend also goes against company policies. Uber and Lyft require riders to be 18 or older to ride unless accompanied by an adult.

“While not as popular or widely available, rideshare services are available to transport kids in certain areas of Florida,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent rideshare insurance agency.

Below is a list of rideshare services specifically designed to transport children.

Care.com– they offer transportation services at an average rate of $12 per hour. Safety and screening are left up to the person hiring. They are available throughout the state.

Moms Helping Moms– this service is currently only available in Parkland and Coral Springs. They offer door to door service and provide transportation for ages 4-17. Drivers are required to complete a variety of courses and certifications to ensure child safety.

Bubbl– is expanding in to the Emerald Coast area with service between Pensacola to Panama City. They hire active or retired military, police officers, firefighters, nurses and first responders. Their vetting process includes in-person interviews, criminal background checks, drug tests and a motor vehicle review. The minimum rider age is 8. Rides can be booked by phone or app.

Whether you drive full-time for a rideshare company such as Uber or Lyft, or it is the source of additional income, make sure you are covered. If you are looking for rideshare insurance, contact GreatFlorida Insurance today.

The post Ridesharing Services and Kids appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
4/24/2019

AccuWeather predicts a fairly normal 2019 Hurricane season. They expect to see 12 – 14 storms to develop in the Atlantic. “Of those storms, five to seven are forecast to become hurricanes and two to four are forecast to become major hurricanes.”

“Despite the predictions for a normal hurricane season, it only takes one storm to do incredible damage,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent homeowners insurance company.

Hurricane damage is what retirees are concerned about, and it is driving many out of the state. About 52,630 people ages 65 and over left Florida in 2017, compared to 48,174 in 2016 and 43,356 in 2012, according to Jon Rork, professor of Economics at Reed College in Portland, Oregon, who studies retirement migration.

Rork told Money, “Many of these people have left Florida for states like Georgia and North Carolina. There’s a hypothesis that those who have left Florida for Georgia and North Carolina have done so to avoid hurricanes and big insurance premium jumps.”

 

One cause for concern is changes being made to flood insurance. The Federal Emergency Management Agency (FEMA) plans to implement risk-based pricing in 2020. This would change from the current system used by the National Flood Insurance Policy (NFIP), which depends on flood maps that are often outdated.

The reason for the transition? To offer a “more accurate assessment of risk,” according to FEMA. The NFIP is currently billions of dollars in debt. It unsustainably pays out more than it takes in each year. Many are concerned this means higher rates for those living in coastal areas.

“Before we sound an alarm, it is best to wait and see what Congress does, while being aware of the potential increases,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent homeowners insurance company.

Current funding for NFIP expires on May 31, 2019. Legislators have until then to reach an agreement and find a permanent solution for the program or else pass another temporary funding extension.

GreatFlorida Insurance provides homeowners insurance and well as flood insurance through the National Flood Insurance Policy. Visit us online today.

 

The post Hurricanes are Taking a Toll on Retirees appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
4/10/2019

Millions of households across the U.S. own a dog. The American Veterinary Medical Association (AVMA) reminds us, any dog can bite, if provoked. Half of all dog bites involve a dog owned by the victim’s family or neighbor.

Approximately, 4 million Americans are bitten by dogs each year, according to the American Academy of Family Physicians (AAFP). They also report, about 800,000 require medical attention. Children are usually the victims, 44 percent are under 14 years-old.

“In Florida, if your dog bites someone even if it is a first-time occurrence, the owner is held liable,” reports Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent homeowners insurance agency. Florida is a “strict liability” state regarding dog bites. This means a dog owner is liable for any damage to a person, even a non-bite injury.

A report by the Insurance Information Institute (III), reveals, Florida had 1,281 dog bites or other dog related injury claims last year, second only to California. Over $56 million was paid out in Florida with the average cost per claim being $43,893.

The report also notes a trend in higher costs per claim being attributable not only to dog bites but also to dogs knocking down children, cyclists, the elderly, etc., which can result in injuries that impact the potential severity of the losses.

Dog bites and other dog related injuries accounted for nearly a third of the money paid out in 2018 for homeowner liability claims, totaling $675 million nationally.

Homeowners insurance and renter’s insurance policies generally cover dog bite liability legal expenses,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Each insurer is responsible for checking into their liability limits. The dog owner is responsible for damages that exceed claim limits.

Whether you own or rent your home, insurance should be a priority to protect your family and belongings. GreatFlorida Insurance works with reputable insurance companies to provide dependable homeowners insurance and renters insurance at affordable prices. For more information go online to www.greatflorida.com or call us today.

The post Florida Ranks Among the Top for Dog Bites appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
4/3/2019

“Proper disposal of medications can prevent drug addiction and overdose deaths,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent health insurance agency.

According to the 2016 National Survey on Drug Use and Health, most abused prescription drugs were obtained from family and friends. They usually come from the home medicine cabinet.

The best way to dispose of expired or unused medication is through the Drug Enforcement Administration (DEA) sponsored, National Prescription Drug Take Back Day. They seek to provide an anonymous, convenient and responsible means of disposing of prescription drugs. Saturday, April 27, will be the next National Prescription Drug Take Back Day.

The DEA reports, the last take back day brought in more than 900,000 pounds of unused or expired medication.

Responsibly getting rid of unwanted medications can protect you, your family and the environment, reports the Environmental Protection Agency (EPA).

  • It prevents the poisoning of children and pets.
  • Deters misuse by teens and adults.
  • Avoids health problems associated with taking the wrong medicine, or medicine that is too old and no longer effective.
  • Keeps medicines from entering streams and rivers.

In homes that use septic tanks, prescription and OTC drugs flushed can leach into the groundwater. In areas with wastewater treatment plants, prescription and OTC drugs poured down the sink or flushed can pass through the treatment system and enter rivers and lakes. They may flow downstream to serve as sources for community drinking water supplies. Water treatment plants are generally not equipped to routinely remove medicines.

However, the Food and Drug Administration still recommends flushing Oxycodone, Fentanyl, and a couple of dozen other drugs, so they cannot be fished out of the trash.

“Those medications are considered a lethal threat to others,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent health insurance agency.

The following link provides a  list of medications to be flushed.

If you cannot make it to the next National Prescription Drug Take Back Day, some Walgreens and CVS locations, have a kiosk to dispose of unwanted medications.

To dispose of medications at home, use the following instructions:

  • Mix medicines (do not crush tablets or capsules) with an unpalatable substance such as dirt, cat litter, or used coffee grounds
  • Place the mixture in a container such as a sealed plastic bag
  • Throw the container in your household trash
  • Delete all personal information on the prescription label of empty pill bottles or medicine packaging, then dispose of the container.

GreatFlorida Insurance has experienced agents that can offer you and your family quality health insurance policies to fit your needs. Call us at 888-478-7801 or go online to www.greatflorida.com for a free quote today.

 

The post Medicine Disposal appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
3/27/2019

“Towing a boat may seem simple but it requires more than getting a trailer and hitch,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent boat insurance agency.

Improper towing can lead to tipping, unattached cargo and cause serious damage to suspension and braking systems as well as strain to your engine and transmission.

Make sure to avoid common boat towing mistakes before hitting the road. Below are tips from goboatingflorida.com.

Disconnected brake lights

Always check the electrical connector to make sure your brake lights, taillights and turn signals are all working. Have someone behind the boat while you tap the brakes and use turn signals to make sure they are working. Keep an extra trailer light bulb in your vehicle in case the light goes out. Keeping the electrical wires taut at the right length will stop them from dragging on the ground and disconnecting during turns.

Forgetting about what’s in tow

No matter how strong your tow vehicle is, it will be less responsive once a trailer is behind it. You won’t be able to accelerate, turn or brake as fast, so be sure to look up the road and give yourself extra time and space to change lanes or slow down.

“It’s a good idea to take a practice run before you hit the road,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent boat insurance agency.

Ignoring your vehicles tow specs

Before you plan a trip, it’s crucial to know how much your vehicle is rated to tow. Don’t forget it isn’t just about how much your boat weighs, it also includes how much gear and fuel you have inside the boat. Even if you’ve checked the weight limit, always keep an eye on your tire pressure and temperature gauge. Installing a weight distribution bar system can help smooth out the ride and properly tow up to your vehicle’s max capacity. It’s natural to assume that bigger is better but check your tongue weight before purchasing the bars. When you’ve set this up properly the load bars will be parallel with the frame of the trailer. If you notice excessive bouncing between your vehicle and trailer, your setup may be incorrect.

Using the wrong size ball hitch

It’s important to use the properly rated hitch ball for your towing system. Boat supply store, West Marine, explains, “The coupler mounts and locks on top of the hitch ball and articulates around the hitch ball. Recreational and light commercial hitch balls come in a variety of sizes including 1 7/8″, 2″, 2 5/16″ and infrequently, 3″. Lighter trailers generally use smaller hitch balls. The diameter of hitch balls is fairly standard, but shank diameters and the hitch ball weight ratings may differ. The rating of the hitch ball is just as important as the receiver hitch rating.”

Failing to secure gear

Make sure to secure fishing and ski equipment, life vests, seat cushions and coolers before heading out. Fasten down anything vulnerable to blowing out of your boat while traveling down the road.

Contact GreatFlorida Insurance today to get a quote for boat insurance today. Our offices are located throughout Florida for your convenience.

The post Common Boat Towing Errors appeared first on The GreatFlorida Insurance Blog.