GreatFlorida Insurance - Debbie Dixon - Lakeland Insurance

Renters Insurance Quotes in Lakeland, FL

Debbie Dixon, Agent

863-859-7927

2614 Lakeland Hills Blvd - Suite 5
Lakeland, FL  33805
Fax : 863-815-8717

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Renters Insurance LakelandRenter's Insurance

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

Call 863-859-7927 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 Lakeland 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 863-859-7927.

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

Get a Quote Online
Call 863-859-7927
Florida Renters  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.

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.

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.