Should You Get a New Home Insurance Policy? Tips to Consider in Orange Park

Home insurance policies are like technology in that they may need updating fairly often. If you’re thinking about renewing your home insurance policy in Orange Park, FL for another year, here’s why you should think about changing your current coverage levels about your property.

Improving Your Lifestyle 

When people first move into a home, they’ve often put their savings into the down payment and the costs of moving all of their furniture. Because of this, they may not realize just how important it is to protect what’s inside the house. After all, if all the savings when into the down payment, then what’s inside the house probably isn’t going to be of the utmost quality. But as time goes on, the house starts to improve little by little. And it can happen without people even realizing it.  Maybe a new computer is purchased, or a new diamond necklace is given as a gift. These purchases add up over time and need to be reflected in the home insurance policy you have. Or perhaps you’ve added onto the house with better bathroom fixtures, new tiles or a fancy backsplash in the kitchen. Whatever it is you’ve done to improve your lifestyle in Orange Park, FL, you’ll want to protect it with your home insurance policy.

Finding Help 

First Florida Underwriters Inc can help you determine which home insurance policy is right for you. Our agents have the experience and the practice to give you advice that will help you see that preparing for the future will be the best thing you can do for your house. Don’t lose out on the things that you’ve worked so hard to get when you call First Florida Underwriters Inc today.

Why You Need Home Insurance

When you are looking for home insurance in Orange Park, FL, why not check out First Florida Underwriters, Inc.?  You might be wondering what home insurance covers.  Typically, home insurance will cover any damage sustained by your home in the event of fire, theft and a few kinds of natural disasters.  That being said, you may need to buy additional coverage if you want insurance to cover floods because this is typically not covered in basic policies.  Home insurance will also protect you from any liability if someone happens to be injured while on your property.

When you are deciding whether or not to get home insurance, remember that a policy of this type can save you thousands of dollars if your home is damaged or even destroyed or if someone decides to take you to court after being injured on your property.

How is home insurance paid for?  Just like with any other kind of insurance, when you buy a home insurance policy, you will need to pay for the yearly premium and make a decision on the type of deductible to be paid when you have to file a claim.  Typically, this is between $500 and $1,000.  Home insurance costs can vary quite a bit depending on various factors that include where the home is located, the type and amount of coverage that you buy and the value of the home.

If your home is damaged that will be covered by the insurance policy, call the insurance company as soon as possible to file a claim.

If you are in Orange Park, FL and looking for a new home insurance policy or want to check rates to get the best deal, check out First Florida Underwriters, Inc. as soon as possible.

Tips for Cleaning Out Your Garage

When it comes to keeping your home clean, you may tend to forget about the garage area. After all, this tends to be the area of the home where you keep storage, or like many homes, where you keep your vehicles. Regardless of the use of your garage, having it nice and tidy is a great way to keep your home looking its best. If you keep your garage clean, you are probably much more likely to keep the rest of your home clean. Here is a look at two tips you should follow to clean out your garage.

1) You need a trash can in the garage

Even if you rarely use your garage, you need a trash can in it, and you should empty this trash can as often as you do the other garbage cans in your home. Not only does this help ensure the trash in the garage gets taken out, but it also keeps you going in and out of the garage, reminding you that it’s an actual part of your home. 

2) Give away the stuff you don’t need or use

Do you have stuff stored away in your garage that you haven’t touched in years? If so, and as long as these items do not hold any type of sentimental value, you may as well clean them out and give them away. Read that again. Don’t throw them away, give them away. The items you no longer use are likely things some other people would love to have. 

If you would like to learn more about cleaning out your garage and protecting your home with proper home insurance, contact First Florida Underwriters Inc serving the Orange Park, FL area. 

Home Cleaning Checklist for Fall

Fall cleaning is as important as spring cleaning. Besides the need to winterize your home, fall is a good time to do routine maintenance and home cleaning before the winter weather comes. Be sure to check your home insurance with your agent at First Florida Underwriters Inc. to adjust the coverage for changes that happened over the last year and update replacement costs.

Here is a checklist to help remind you of things to do to get ready for winter:

  • Wash Windows – Choose a cloudy day for this job to make it easier to see streaks on the glass. Old newspaper is terrific to use for buffing the glass dry after spraying it with glass cleaner. This job is easier when two people work together. One stays inside, the other cleans the outside window glass at the same time. 
  • Window Coverings – Vacuum drapes using an upholstery attachment. Use a vacuum brush for blinds.
  • Walls – Wipe walls with a dust mop, wash them, and dry them.
  • Ceiling Light Fixtures – Dust off light fixtures. Remove globes and glass coverings to wash them with dish soap.
  • Furniture – Vacuum upholstery and spot clean if necessary.
  • Kitchen Cupboards – Empty the cupboards, wash them inside and out, replace shelf liners with new ones, and reorganize the contents when putting everything back.
  • Refrigerator – Move the refrigerator away from the wall, dust off the condenser coil at the back and clean the area under the refrigerator. Remove contents and wash the shelves. Defrost the freezer section if needed.
  • Carpets – Use steam-cleaning equipment or have professionals do the carpet cleaning.
  • Wood Flooring – Buff out any scratches and apply a new coat of floor finish.
  • Closets – Remove clutter and reorganize contents. Get rid of unneeded stuff.
  • Test Smoke Detectors – Replace old batteries with new ones.
  • Furnace Maintenance – Have the furnace checked for proper operation and replace the filter with a new one.
  • Chimneys – Have a professional sweep the chimneys and clean the flues.
  • Weatherproofing – Check weather stripping and caulk around windows and doors to prevent air leaks.
  • Gutters – Remove debris and clean out the downspouts.
  • Roof – Repair any damage to prevent leaks.
  • Landscaping – Trim trees to prevent damage from falling branches.
  • Patio Furniture – Put outside furniture away in storage.
  • Drain Hoses – Remove water from garden hoses and put them away in storage.

This checklist will help you be ready for winter and have a nice holiday season.

How to choose insurance coverage

If you’re a homeowner in Orange Park, FL then you know what can happen to your biggest possession.  Between hurricanes, accidents, and other natural events, a lot of things can go wrong with your house.  Fortunately, the insurance agents at First Florida One know how to take care of you and your home.

Homeowner’s policies are a crucial part of anyone’s financial plan.  If you’re like most Americans, your home is your biggest asset. Losing it would be a devastating blow to your finances. That means that if a natural disaster strikes, it would be next to impossible to recover from it without some type of homeowner’s insurance coverage.

Fortunately, there are a lot of different policies on the market, practically guaranteeing that you’ll find one that is right for you and your budget. The important thing to remember when choosing a policy, however, is to get enough coverage to completely repair or replace your home and everything in it.  

The first thing you will need to determine is the replacement cost of the structure of your home.  Your insurance agent will ask you a series of questions about the way your home is constructed.  Be sure to answer as honestly as possible; even minor details about the type of material used on the roof can mean the difference of thousands of dollars in the event of a disaster.

Next, you’ll need to come up with a figure for the value of the possessions in your home.  Again, your insurance agent will be able to help you.  Be sure to ask about riders that can cover specific items such as electronics and jewelry. 

If you live in the Orange Park, Fl area and you’re thinking about getting a new home owner’s insurance policy, call the agents at First Florida One.  They have years of experience helping people just like you find the policy that’s right for them.

Starting a new business? This is why you need liability insurance.

When starting a new business there are many things to consider, but one which should not be overlooked is insurance coverage. Having insurance to protect your property and assets in case of disaster may have already occurred to you, but have you thought about liability insurance? While no one wants to consider that they might be responsible for someone else getting hurt, as a business owner you owe it to yourself, your employees, and your investors to ensure that you are covered for any eventuality. General liability insurance is just one of the ways that you can protect your business, and a necessary step when starting a new enterprise.

Commercial liability insurance will cover you in case of injury or death which occurs on your business premises, or is purportedly caused by one of your products or employees. There are actually two main types of liability insurance. ‘Premises and operations’ insurance will protect against property-related accidents, such as a slip and fall. ‘Products and completed operations’ protects against claims that your products, or completed work or services are responsible for an injury or death. While both these type of liability insurance are considered optional under Florida law, both are excellent choices for a new business. When you are just getting started, you need liability insurance to protect you financially so you have a better chance of succeeding. Not only that, but liability insurance also protects your employees while they are on the job.

If you are starting a new business in Florida, talk to First Florida Underwriters Inc. Independently owned and operated, they are your local Orange Park, Florida insurance company. First Florida Underwriters works with many different insurance carriers, and can offer the advice you need to navigate your options and pick the perfect insurance for your needs.

5 Reasons Why You Must Have Commercial Insurance Coverage

It’s always important to have commercial insurance coverage. When you have a business in Orange Park, FL, you don’t want to leave anything perchance. After all, if something happens to your business, it’s much easier to file a claim than to have to pay out-of-pocket.

There are plenty of reasons why you should have a commercial insurance policy.

#1: You Need Financial Protection

Financial protection is a must when you are running a business. Too many businesses have closed because they didn’t look after their finances. You don’t want everything to come out of your business bank account. Insurance claims can be filed if you have the right coverage.

#2: It Can Cover Your Assets

All of your assets can be covered sufficiently, and this includes commercial vehicles, inventory, and much more. Should something be stolen, damaged, or otherwise ruined, you want the coverage to fall back on.

#3: It Can Protect Your Business

Your entire business can be protected, and this includes against lawsuits as well as your business property and building.

#4: It’s Required by Law

Some commercial insurance may be required by law. This includes any vehicles that you have on the road as well as liability coverage depending upon industry.

#5: It’s More Affordable than You Might Think

Another reason to have commercial insurance coverage is that it’s a lot more affordable than you might think. As long as you take the time to make some comparisons between what the different companies offer, you can find a great policy. Insurance agents can help you with this task so that it’s not left entirely up to you.

Find out more about commercial insurance coverage by contacting First Florida Underwriters Inc today. One of our agents can help you with finding the right policy for you and your needs.


Auto Insurance and You

If you are the owner of a vehicle, then the chances are good that you already have auto insurance.  In fact, it is mandatory by law in every state, although the coverages needed will vary from state to state.

Typically, comprehensive and collision coverage are not mandatory, but if you have a vehicle that is worth more than $5,000, it might be worth considering.  Also, if you happen to be purchasing a vehicle by using financing, most lenders will require these types of auto insurance.  Most of the time you will find comprehensive auto insurance and collision auto insurance being sold as a single entity…even though they are different.  Collision insurance covers any physical type of damage to your own vehicle that is caused by an accident involving another vehicle or object.  Comprehensive auto insurance covers any type of damage to vehicles that is not caused by a collision.  This could be a run in with a deer.  It also covers damage related to weather as well as the theft of your vehicle.

A simple way to remember the differences between the two is to relate collision auto insurance to collisions or accidents with vehicles or other things that aren’t alive.  Comprehensive is what takes care of collisions with animals, weather-related damage and damage that is due to vandalism or theft.

Both of these types of auto insurance are not typically required with the state minimum requirements.  That typically only involves liability, which will cover the cost of damage to the other party’s property when you are at fault in an accident.

If you are in the Orange Park, FL area and need more information, call or stop by First Florida Underwriters Inc today.  We have friendly and knowledgeable agents standing by to answer all of your questions.


Top 4 Tips For Avoiding Road Rage

Road rage is the cause of numerous accidents. It can be sparked by anything from being cut off to taking a bit too long to move when the light turns green. Often, enraged individuals fuel each other. Thus, it is important to be aware of potential road rage both in yourself and in others. Follow these four tips to keep road rage to a minimum:

1. Stay in the right lane

Angry drivers absolutely hate being stuck behind slower individuals in the left lane. If you intend on sticking to the speed limit, it is in your best interest to remain in the right lane whenever possible.

2. Turn down the radio

Far from distracting you from your anger or the anger of others, loud music can actually add tension to an already difficult situation. If music is absolutely essential, switch out the rock or rap for calming classical music.

3. Avoid eye contact

In most situations, eye contact is a good thing, but on the road, it simply further enrages already angry drivers. If another driver is showing signs of road rage, make every effort to avoid eye contact.

4. Get off the road

Whether you are the culprit or other drivers are scaring you with their angry behind-the-wheel behavior, it’s in your best interest to pull over. Find a gas station, a rest stop, or some other location where you can take a few minutes to relax before returning to the road. A brief walk can make all the difference when you’re feeling tense.

Avoiding road rage is one of the best things you can do to keep yourself safe and your vehicle intact. Good coverage is just as important, so contact First Florida Underwriters, Inc. to learn what options are available for your vehicle.


A Guide to Packing from First Florida Underwriters, Inc

If you’re living in Florida, then you are probably aware of the dangers of flooding.  In fact, flooding is the most common and widespread disaster besides fires. First Florida Underwriters, Inc understands the dangers of living in a hurricane and flood prone area and are there to assist you with flood insurance, homeowners insurance and disaster insurance.

First Florida wants residents of Orange Park to always be prepared and to play it safe.  That is why they have compiled a list of effective and fast ways to pack in the event of an emergency.  Read the guide below.

1. Keep a list

Get a notebook and list all the items that you place in a particular box.  You don’t have to itemize every single item.  You can put  ‘baby clothes’ or utensils and dishware in a particular box then label it with a copy of your list. It will come in  handy when you wondering where you put what.r

2. Make an ‘arrival’ box

This is one of the most important packing tips. If you are evacuating because of a flood this emergency box holds all the items you need in a flash. When you arrive to your destination tired and hungry you will be grateful for this box that contains all your immediate necessities.

3. Pack small for books

Books are much heavier than they seem so it’s best not to make the mistake of getting a mammoth size box for them because you won’t be able to lift them.  A box measuring 18” long by 2’ wide by 6” in height is best.  You can move a lot faster with these mini packages.

4. Discard old makeup and medicine

If you didn’t have the will power (or time) to do it before now is your opportunity.  Toss away your old makeup and medicine to  make packing faster.