Teachers Insurance Specialists
Stay safe this holiday weekend!
Can you believe May is already coming to a close? As we approach the weekend, we are just a few short days away from Memorial Day. Not only is this an important day for our country to remember those that have fought and died for our freedom, but it also marks the beginning of warmer weather with cookouts, swimming pools and beach vacations. Police forces generally have an increased presence and put up road blocks during holiday weekends. Make sure you are prepared in case you get stopped. Yo...
Know how your next car will affect your insurance rates before you buy.
Are you in the market for a new car? It’s important to do your research before you buy; that way you have an idea of how your new vehicle will affect your insurance. Your insurance rate probably won’t be your deciding factor, but it may help you choose between several vehicles. A few items that will affect your insurance include: The likelihood of the car being stolen or crashed. For example, mid-sized sedans have a higher incidence of being stolen, so their insurance rates could be slightly ...
Driving tips to keep you safe this summer
We are so excited that summer is almost here, but that also means it’s time for family vacations, weddings, family reunions, and other events that are just more fun when it’s warm! All of this translates to more cars on the road, so here are some tips to keep your family safe on your next road trip. You think you’re thirsty…what about your car? Check your fluids before you leave. Not only do you want to ensure you have enough antifreeze, but what about windshield wiper fluid? If you’ve ever ...
High winds could mean lower costs for your property insurance.
Property insurance, especially in Florida, can be expensive. However, one way to reduce your cost is through a wind mitigation inspection. Basically, an inspector will come to your home and verify that certain construction methods were used that provide your home with greater protection from wind damage. Once the inspection is complete, you will have an inspection report to provide to your insurance agent, and they will determine the wind mitigation discounts that apply to your home. Some of t...
A Mother’s Worth
A mother is someone who kisses scraped knees, packs lunches every morning, balances the checkbook, drives to and from soccer practice, and so much more. These things are an important part of a family’s daily routine, and that is why it is so important to determine the cost to replace household tasks performed by Mom to estimate how much life insurance she needs. Typically spouses often underestimate the value of those tasks and assume other relatives will help out if something happens. However,...
Supersize your trunk with proper liability insurance!
Every time a driver gets into their car, they have all of their assets and possessions in their car’s “trunk” traveling with them. If a driver hits someone and hurts them badly, their assets are at risk if they have insufficient car insurance. For example, if a driver only carries the State of Florida minimum coverages (say you are driving a Jeep 4 wheeler with little to no trunk space), if the driver hits someone in an accident and the medical bill is over $10,000, the injured party will get th...
“Castles and Moats” {Protect yourself from liability lawsuits}
Recently, consumers have an extra concern when it comes to their car insurance and home insurance: the risk of a liability lawsuit. To understand how important proper liability insurance coverage is, and to know how much is right for you, consider our “Castles and Moats” allegory. The larger your “Castle” is, the larger your “Moat” needs to be in order to protect your assets from liability lawsuits. Your “Moat” is represented by the Liability & Bodily Injury coverage limits that you carry on...
February is Insure Your Love Month
{Insure Your Love this February} “Insure Your Love” is an industry-wide awareness campaign that promotes the importance of protecting your loved ones through life insurance. One of the most frequently asked insurance questions is “what is the difference between Term and Whole Life Insurance?” Term Life Insurance Term Insurance is purchased for a temporary need, such as a mortgage, paying off debts, sending children to college. We sometimes refer to term life insurance as being similar t...
Sinkholes vs Catastrophic Ground Collapse
Many insurance companies are removing the peril of Sinkhole from their policies. However, all insurance policies in the State of Florida automatically cover the peril of “Catastrophic Ground Collapse.” So what is the difference between Sinkhole & Catastrophic Ground Collapse? Catastrophic Ground Collapse would cover your home if your home falls into a sinkhole, and is determined to be uninhabitable. In other words, an actual sinkhole. The State of Florida had previously created...
Win an iPad mini during the December Horace Mann Educator iPad Attack!
Teachers Insurance Specialists is giving away 15 iPad minis over 15 days this month (one per day) to Florida educators. To enter the giveaway, educators must “Like” the Teachers Insurance Specialists Facebook page at http://www.facebook.com/teachersinsurancespecialists beginning December 10, 2012. Entrants must provide their name, address, school name and e-mail address. Teachers Insurance Specialists provides car insurance, home insurance, and life insurance to Florida educators ...
