GreatFlorida Insurance - Monica Stolowich - Palm Springs Insurance

Renters Insurance Quotes in Palm Springs, FL

Monica Stolowich, Agent

561-547-0174

2311 10th Ave North - Suite 7
Palm Springs, FL  33461
Fax : 855-312-0382

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Renters Insurance Palm SpringsRenter's Insurance

You do not have to own your property for it to be considered your home in Palm Springs. 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 Springs. Safeguard your personal effects with renter’s insurance today.

Protect 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 Springs to get more information on a renters insurance policies and to get your free renters insurance quote.

Call 561-547-0174 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 Springs 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 561-547-0174.

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 Springs will be able to put together the best possible renters insurance quote for you.

Get a Quote Online
Call 561-547-0174
Florida Renters  Insurance Blog
by GreatFlorida Insurance
6/19/2019

“Several popular food items have been recalled over the past month,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent health insurance agency.

The following are a list of the food products to check.

The Sprouts Farmers Market grocery chain is recalling conventional and organic frozen spinach manufactured by National Frozen Foods. Food Safety News reports the recalled bags were shipped to retailers in 19 states including Florida. A random sample tested positive for Listeria. The contaminated bags have a, “Use By Date” of 12/3/21.

The U.S. Food and Drug Administration (FDA) released a public health alert, warning consumers that several frozen berry products manufactured by Townsend Farms Inc. were found contaminated with Hepatitis A. Among the products in question are frozen berries from Kroger and Costco.

  • Kroger: Private Selection Frozen Triple Berry Medley, 16 and 48 oz. and Private Selection Blackberries 16 oz.
  • Costco: Kirkland Signature Brand Three Berry Blend

“Bakers beware of an ongoing flour recall,” warns Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent health insurance agency.

Three flour brands including Pillsbury, King Arthur and ALDI have been recalled after the FDA discovered an ongoing E. coli outbreak tied to Archer Daniels Midland Co. Seventeen reported cases of the Shiga toxin-producing E. coli infections have been reported with three hospitalizations, according to the Centers for Disease Control and Prevention (CDC).

  • Pillsbury Best Bread Flour 5-pound bag
  • King Arthur Unbleached All Purpose Flour 5-pound bag
  • ALDI Baker’s Corner All Purpose Flour 5-pound bag

Ragu recalls three flavors of pasta sauce. The company that makes it, Mizkan America Inc. reports they may contain plastic fragments. The products in question are listed below.

  • Ragu Chunky Tomato Garlic & Onion, 45 & 66 oz.
  • Ragu Old World Style Traditional, 66 oz.
  • Ragu Old World Style Meat, 66 oz.

If you are in possession of any of the following tainted food items, click on the links in the article for more detailed information. You can also return them to the store for a refund and toss them out immediately.

GreatFlorida Insurance wants to keep you safe by keeping you informed. We offer dependable health insurance options through Florida Blue, Blue Cross Blue Shield of Florida. Give us a call today.

The post Check Your Food Pantry and Freezer appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
6/12/2019

Lightning is wreaking havoc in Florida. In the past week, lightning struck and killed two giraffes at the Lion County Safari in Loxahatchee. As if that was not unusual enough, a motorcyclist was struck and killed on his bike, while driving on I-95, in Volusia County.

“Lightning is such a common occurrence in Florida we often dismiss its dangers” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent motorcycle insurance agency.

Motorcyclist are especially vulnerable to lightning strikes because they lack the protection of a car’s metal shell, reports The National Lightning Safety Council, John Jensenius. It is a common misconception that the rubber on the tires of the bike will keep you safe.

Jensenius was also quick to debunk another myth, that a motorcyclist can outrun lightning, if you are traveling fast enough you cannot be struck. However, lightning travels too quickly to be outrun by humans.

The Weather Channel reports the motorcyclist who died in Florida is the 12th person killed in a motorcycle-related lighting death in the U.S. since 2006.

Lightning kills and injures more people in Florida than any other state. The Red Cross reports, more people are killed every year by lightning strikes, than tornadoes and hurricanes. Thunderstorms produce lightning along with damaging winds and heavy rain that can cause flooding.

The National Oceanic and Atmospheric Administration (NOAA) estimates, 25 million cloud-to-ground lightning flashes in the U. S. every year. Lightning can strike more than 10 miles from where it is raining. If you hear thunder, lightning is close enough to pose a threat.

All thunderstorms produce lightning. Lightning strikes cause horrific injuries. Being struck can cause burns, serious lifelong pain and permanent neurological disabilities, as well as cardiac arrest and death.

“Every year claims for lightning losses total in the hundreds of millions, reports Buck with GreatFlorida Insurance, Florida’s top independent motorcycle insurance agency.

Some safety tips to heed during a thunderstorm are listed below.

When thunder roars, go indoors. There is no safe place outside during a thunderstorm. If you are in the water, get out immediately. Avoid open structures such as gazebos, porches and baseball dugouts.

Lightning tends to strike the tallest object in the area and you do not want that to be you. If you are caught in an open area, such as a golf course or ball field, the Centers for Disease Control and Prevention (CDC) recommends you crouch down into a ball position, with your feet and knees together with your head tucked and your hands over your ears. The idea is to get low without touching the ground. Lightning causes electric currents along the top of the ground that can be deadly from over 100 feet away.

If you are in a group spread out from one another to reduce the number of injuries if lighting strikes the ground.

Wait to go outside for 30 minutes after you hear the last thunderclap.

Someone who is struck does not carry and electrical charge and requires medical attention immediately.

Don’t let a storm rob you. GreatFlorida Insurance provides top notch motorcycle insurance to fit your budget. Give us a call today.

The post Lightning Striking Again appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
6/4/2019

The National Flood Insurance Program (NFIP), has received another extension until the end of September. This gives lawmakers more time to work on a bi-partisan deal on how to reform the program which is billions of dollars in debt. The NFIP provides flood insurance to more than 5 million policy holders across the country.

“While the solution is temporary, we are glad to see the NFIP extension in place with hurricane season upon us,” says Ellsworth Buck, Vice President of GreatFlorida Insurance.

The extension is part of a $19.1 billion disaster aid bill, with $1.5 billion going toward the rebuilding of Tyndall Air Force Base, after hurricane Michael. Plus, millions will go to Florida farmers for agriculture recovery in the state. The package also includes $900 million to Puerto Rico for hurricane recovery efforts.

Since its formation in 1968, the NFIP had covered its losses. However, damages from hurricanes Katrina, Rita and Wilma have overwhelmed the fund, forcing Congress to cover billions in payments to those with insured properties.

Frustration is growing from lawmakers and outside groups, at the lack of progress toward a more viable solution. “After eleven short-term extensions, communities and residents at risk deserve certainty and stability,” says SmarterSafer.org, a national group that favors risk-priced flood insurance.

Solutions for reform include, increasing flood insurance rates, more resilient home construction along the coast, improved residential building codes, better flood maps and more coverage from the private insurance market.

“We would really like to see lawmakers come up with a sustainable long-term extension or reform for the program,” says Buck with GreatFlorida Insurance.

Lawmakers have until September 30 of this year to come up with an agreement or they will have to pass another short-term extension of the National Flood Insurance Program.

GreatFlorida Insurance provides flood insurance through the National Flood Insurance Policy. Visit us online today.

The post Extension on flood insurance program appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
5/22/2019

Memorial Day this year is Monday, May 27. It’s time to fire up the grill and hang your American flag. Memorial Day is an American holiday, observed on the last Monday of May. It honors the men and women who died while serving in the U.S. military.

“Take a moment to give thanks and remember those who died in service to our country,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent auto insurance agency.

At 3 p.m., people are encouraged to stop for a moment of silence on Memorial Day.

What is opened and what is closed?

Most government offices and some private businesses are closed for Memorial Day. Banks, the U.S. Postal Service, the stock market and schools are closed or not in service. Most UPS and FedEx services are also unavailable that day. Trash pick-up varies, check your local provider. The DMV is closed, and courts are not in session.

Most stores are open on Memorial Day, however, Costco is closed. Good Housekeeping has complied a comprehensive list of retail and grocery stores, along with restaurants and fast food chains that are open.

Travel

Memorial Day also marks the unofficial start of summer and summer travel. AAA predicts this holiday weekend will see the most road-trippers on record with over 37.6 million hitting the road.

“Patience will be required with all the additional drivers on the road,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent auto insurance agency.

INRIX, a global transportation analytics company in collaboration with AAA, predicts drivers will experience the greatest amount of congestion on Thursday, May 23 and Friday, May 24 in the late afternoon as commuters leave work early and mix with holiday travelers. According to AAA, Orlando and Tampa are among the top 10 destinations for travelers to visit this Memorial Day weekend.

Whether your plans are to travel or stay home, GreatFlorida Insurance wishes you and your family an enjoyable holiday weekend! For all your car insurance needs contact us.

The post Memorial Day 2019- What You Should Know 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
4/10/2019

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.