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Renters Insurance Quotes in Bradenton, FL

Jackie Hogan, Agent

941-896-9810

5253 33rd Street East
Bradenton, FL  34203
Fax : 941-896-9811

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Renters Insurance BradentonRenter's Insurance

You do not have to own your property for it to be considered your home in Bradenton. 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 Bradenton. 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 Bradenton to get more information on a renters insurance policies and to get your free renters insurance quote.

Call 941-896-9810 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 Bradenton 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 941-896-9810.

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

Get a Quote Online
Call 941-896-9810
Florida Renters  Insurance Blog
by GreatFlorida Insurance
3/20/2019

Maintaining your car can require a lot of time and money. “Regular maintenance of your car can save you bigger car problems in the future” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s biggest independent car insurance agency.

In fact, AAA reports that most roadside trouble is a result of neglect from car owners failing to perform basic maintenance tasks. While some jobs are better left to the professionals, listed below are some simple and affordable tasks you can handle on your own.

Jump start your car

It can happen when you are on your way out, your battery is drained because you left on the lights. Simply jumping your car can get you back on the road.  It’s quick and easy. All you need is another vehicle and jumper cables. To start, turn off the engine on both cars. Grab jumper cables. Connect the positive (red) clamps to the positive terminal, one on each car battery. Throughout this process, do not let the jumper leads come into contact. Attach one negative (black) clamp to the negative terminal of the working car. Attach the other black clamp to an unpainted metal surface on your car that isn’t near the battery. Start the engine of the working car and wait five minutes. Then start your car. Do not turn off your engine.

Replace windshield wiper blades

Wipers should be replaced every six to eight months. You can pick them up at an auto parts store, online or a big box store. The store should have a manual telling you the type of wipers you need based on your car model and make. It is as easy as sliding them off and on, directions are included.

Checking car fluids

Fluids such as engine oil, brake fluid, wiper fluid and radiator coolant are essential to your vehicle’s function. Consult your owner’s manual to know how often to check your fluids. Park your car on a flat level surface and set the parking brake. Remember, always allow time for the engine to cool off before opening the hood. Many fluid levels can be checked using the dipstick included or checking the fluid reservoir.

Check tire pressure

Maintaining proper tire pressure gives your tires greater longevity, quicker steering response, a smoother ride and better fuel efficiency. Tiremaker, Bridgestone has the following recommendations for checking your tires. Gather the following items, a tire pressure gauge and air compressor. You can use an air compressor found at most gas stations. Check your car manual to find the recommended PSI (pounds per square inch of pressure). Check the tire pressure with your gauge. You can do that by removing the valve cap from your tire. Then place the pressure gauge on the valve stem and press down hard enough so the hiss sounds disappears, and your gauge provides a reading. With a standard gauge, the air pressure will push a small bar out from the bottom of the gauge. Measurement units are etched into the bar. A digital gauge will show you a reading on the screen. After checking each tire, fill to the correct PSI and repeat every month.

“For peace of mind, GreatFlorida Insurance can always sign you up for Emergency Roadside Service with your car insurance,” says Ellsworth Buck.

The post DIY Car Maintenance appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
3/13/2019

Recently in Pasco County, some inmates helped rescue a baby locked inside a vehicle. The parents of the child accidentally locked her in the car, leaving their keys on the front seat. A Pasco County Sheriff’s Office Inmate supervisor and five low-risk offenders repairing a parking lot meridian nearby offered to help. With a coat hanger and a special, “skill set” the inmates were able to open the door and retrieve the child.

“Thankfully the parents realized immediately the baby was in the car,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent car insurance agency.

While it seems unfathomable, people leave their children behind in the car several times a year. In 2018, over 50 children died in hot cars according to safety advocacy website, Kidsandcars.org.

The website highlights University of South Florida Psychology Professor, David Diamond’s work on why people forget and leave a child behind in a car. He explains it has to do with the complex functions of the brain. He states that the problem is the failure of prospective memory, the process by which the brain remembers to do something in the future. Professor Diamond says, “The brain memory systems that fail when people forget children in cars are the same as those systems that cause us to forget to shut off the headlights when we arrive at a destination.”

Several brain processes are involved with leaving a child in the car. Many factors can disrupt these processes such as stress, interruptions, multitasking, and sleep deprivation. Also, Professor Diamond points out, the lack of visual or verbal reminders increase the chance of a child being left in the car.

The National Highway Traffic Safety Administration reports heatstroke is one of the leading causes of non-crash-related fatalities among children. When a child is left in a hot car, their temperature can rise quickly.

“Children suffer heatstroke even if they are left in the car for a few minutes,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent car insurance agency.

Children are vulnerable to heatstroke. According to the National Highway Traffic Safety Administration the following are some facts about kids and heatstroke.

Kids aren’t built for heat: A child’s body temperatures rises 3-5 times faster than an adult.

Every minute counts: The temperature of a car can climb 20 degrees in 20 minutes.

It doesn’t have to be hot: Heatstroke can occur in the shade, with the windows down, and even at temperatures as low as 57 degrees.

The post Children Left in Cars appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
3/6/2019

You are in pain. You reach for some pain-reliever only to notice it’s expired. Do you still take it?

“It is a good idea to conduct an annual inventory of your medication,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent health insurance agency.

Since 1979, the U.S. Drug and Food Administration (FDA) has required an expiration date on all over-the-counter medication.

According to the FDA, “Drug expiration dates reflect the time period during which the product is known to remain stable, which means it retains its strength, quality, and purity when it is stored according to its labeled storage conditions.”

However, the FDA conducted a study finding 90% of more than 100 drugs, prescription and OTC were good to use even 15 years after the expiration date. While taking medication past the expiration date, cannot guarantee full potency, most of the effectiveness is retained.

Proper storage can help medication can retain its strength. Placing drugs in a cool, dry environment such as the refrigerator, will extend its shelf life. If left in a hot environment, such as your car, some drugs degrade rapidly.

Consensus among doctors is, expiration dates are very conservative to make sure you get your money’s worth. But, don’t be in a hurry to ditch your expired medication, save yourself some money. Tablet medication such as ibuprofen (Advil) can remain effective for years after being opened.

“While most meds are fine to use after their expiration date, that doesn’t mean they all are,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent health insurance agency.

The safety of expired meds should be considered. The FDA says of expired medication, “It also may yield toxic compounds, causing consumers to experience unintended side effects.”

Liquid medications deteriorate faster. According to Harvard Medical School you should avoid using the following medications after their expiration date.

  • Tetracycline (this antibiotic loses its effectiveness after expiration, though scientists are still researching this)
  • Nitroglycerin (taken as heart medication)
  • Insulin
  • Liquid antibiotics

GreatFlorida Insurance is committed to helping Floridians stay healthy. Our experienced agents can offer you and your family quality health insurance policies to fit your needs while staying within your budget. Call us at 888-478-7801 or go online to www.greatflorida.com for a free quote today.

GreatFlorida Insurance is a authorized vendor of health insurance for Blue Cross & Blue Shield.

GreatFlorida Insurance is a authorized vendor of health insurance for Blue Cross & Blue Shield.

 

The post What You Should Know About Expired Medication appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
2/27/2019

Longing for an adventure- to get away from the grind? A place with great views, all within your budget. It might be closer than you think.

The RV Industry Association(RVIA) saw record sales for 2017.  More than 10.5 million households own at least one RV. In fact, half of all new sales were to Americans 45 and under.

“This alters the profile of RV travelers being older, retired couples,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s biggest independent RV insurance agency.

The appeal of traveling in an RV includes, the convenience of traveling with kids and pets, unplugging, the outdoors and affordability. Do not think you have to surrender creature comforts because you are camping. RV’s come equipped with satellite TV, hardwood floors, a dishwasher,  a washer and dryer, even a fireplace.

Full-time RV living

Living in an RV is not everyone’s idea of an epic adventure. However, a growing number of Americans are ditching their mortgages for life on the open road. “It might seem crazy to trade your home for an RV but many find it inspiring,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent RV insurance provider.

RVIA reports a million Americans live full-time in RVs. Some RVers choose this lifestyle for financial reasons. However, many are looking for a change. They give reasons that range from spending more time together as a family, or wanting a more simplistic way of living, while they all want to explore the country. Going from place to place and living on the road seems isolating. But many report forming a network of friends within the RV community.

So, how do these  constant travelers make money? Many full-time RVers have jobs that allow them to work from the road. Some are living off their retirement savings and Social Security. The Washington Post reports a variety of options to fund  travels by cleaning campsites, harvesting on farms or vineyards, or filling in as security guards. Also, people find work through word of mouth, on Workapmer News or Facebook groups such as Workampers. Amazon and J.C. Penny are among the companies with programs specifically designed to recruit RVers to help at warehouses during peak holiday season.

If you decide to join the millions who own ad RV, contact GreatFlorida Insurance  for auto insurance and RV insurance.

 

The post RV Life appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
2/20/2019

House hunting requires hours of reading through real estate listings, while looking for the ideal home.  Ambiguous terms sound appealing but also questionable.

“Descriptive real estate terms do not always mean what you think they mean,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent home insurance agency.

Agents have the job of listing a property with features that don’t always appeal to the masses. Real estate website, Realtor.com explains, “One way to do this is by finding euphemisms to throw the most flattering light onto a home-and sometimes obscure a home’s flaws.”

“Knowing the deeper meanings of these real estate terms could help you avoid wasting your time on a home that isn’t right for you,” reports real estate website Trulia.

Modern, rustic or vintage– Outdated or updated so long ago that it is lacking in current features or finishes.

Potential or TLC– Gear up for a fixer-upper, this property needs serious work.

Well-maintained or lovingly maintained– This is an older home, that is neat and clean without updates and not fitting into current styles.

Cozy or cottage– These terms can evoke the idea of warm and inviting, but it is typically code for small.

Character, custom or unique-This property is quirky or weird. Do not be surprised to find unusual spaces or features specific to the seller’s taste.

Natural landscaping-Welcome to the jungle, the yard is overgrown and is not maintained.

Up-and-coming or hot neighborhood- They are hoping this neighborhood has a future. It might have a boost in recent sales, but there are no guarantees.

As is or Cash Only-These terms can often come up on foreclosed homes. It translates to the home is in bad condition and the owners cannot afford renovations. It will also remove your negotiating power.

“Keep in mind, Florida foreclosures are a judicial proceeding and could take a year or more to complete,” says Ellsworth Buck with GreatFlorida Insurance, Florida’s leading independent homeowner’s insurance agency.

Contact GreatFlorida Insurance, if you are looking for homeowner’s insurance. Get a quote as soon as your contract is signed.  We can help you finalize the details well in advance of your closing date.

The post Decoding Real Estate Listing Terms appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
2/13/2019

“If you are in the market for a new car this year, you may want to do some research before hitting the car lots,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent car insurance agency.

Consulting expert car critics is helpful. However, car lists while beneficial, are subjective. So, listed below are a couple of different lists to give you a more comprehensive idea of the kind of car you may want to dive home.

U.S. News and World Report Best Cars 2019

The experts at U.S. News and World Report looked at performance, interior, critic’s rating, safety and reliability. Below are the 2019 models they feel are the best.

Best Car: Toyota Camry and Honda Accord- tie

Best Luxury Car: BMW 5 Series

Best SUV: Ford Expedition

Best Luxury SUV: Lincoln Navigator

While newer cars are an investment, used cars can have some drawbacks. “Cars seem to get more powerful, comfortable and fuel efficient every year,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent car insurance agency.

2019 cars are equipped with the latest automotive technology. For some, this technology translates into safety features such as automatic steering avoidance. In other cars it is seen in updated conveniences, such as features to alleviate fatigue in drivers.

If you are looking for something more than just basic transportation, the next list is for you. The people at Car and Driver have selected their best 2019 cars that are fun to drive and full of personality. These cars make a statement.

Car and Driver 2019 Best Cars

BMW M2 Competition

Chevrolet Corvette Grand Sport

Ford Mustang GT

Genesis G70

Honda Accord

Honda Civic Sport Hatchback

Mazda MX-5 Miata

Mercedes-Benz E-Class

Porsche 718 Boxter/Cayman

Volkswagen Golf

Whether your car is new or old, reliable transportation or a showpiece, GreatFlorida Insurance has reliable car insurance for you, contact us today.

 

 

The post 2019 Best Cars appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
2/6/2019

Tax season is upon us. In fact, the Internal Revenue Service has begun receiving 2018 federal tax returns.

“With the recent tax cut and Jobs Act of 2017, people can expect a lot of changes,” says Ellsworth Buck of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

You can file for free electronically through the IRS website or download paper forms. Also, tax preparation companies such as Turbo Tax and H&R Block are filing tax returns to the IRS on behalf of their customers.

What’s new

According to U.S. News & World Report, the most significant changes this year are, tax rate changes, the doubling of the child tax credit, estate tax changes, business income, alimony payments and charitable and medical deductions. Also, the standard deduction nearly doubled to $12,000 for single tax filers and $24,000 for married couples filing jointly.

“Everyone has a different tax situation, some will come out better with the new changes while some, worse,” says Ellsworth Buck of GreatFlorida Insurance, Florida’s top independent homeowners insurance agency.

How to Prepare:

Print a tax checklist from the IRS, Turbo Tax or H&R Block. Collect and file necessary tax documents such as W-2s from your employers and 1099s from your bank. Do not forget to gather charitable contribution receipts.

Pull out old returns to remind yourself of the credits and deductions you claimed the previous year.

Common life events that could affect your taxes include, marriage, divorce, growing your family, educational expenses, buying or selling a home, retirement, accepting a promotion, receiving an inheritance and dealing with a death.

Deadlines

You have until April, 15 to file your 2018 taxes electronically or postmark your paper taxes. Tax returns for LLCs and S-corporations are due, March 15.

If you are looking for reliable homeowners insurance and trustworthy agents to guide you through the insurance buying process, contact GreatFlorida Insurance today.

 

 

 

The post Tax Season: What you need to know appeared first on The GreatFlorida Insurance Blog.