27 S Kirkman Rd Orlando, FL 32811 p: (407) 290-6262 f: (407) 290-6201 e: info@allsafeins.com w: www.allsafeins.com

Summer 2009  

Are you prepared for summer?

Summer is a great time to increase your physical activity, but it is also the time of year when most accidents happen. Are you prepared to deal with any accidents that may occur? Start by familiarizing yourself with your current coverage. Let us do a review with you to ensure you are adequately insured. 

Allsafe Insurance and Financial Services is a one-stop shop. We offer all forms of personal and business insurance, motor vehicle services, Real-Estate, accounting and income tax services. Mortgages for new homes or refinancing. We  also offer  Notary and Translation services.

Don't Float Your Boat
 

Until You Know it's Protected

We all love a day at the lake. But boating carries risk, too. According to the U.S. Coast Guard, there were 5,191 boating accidents reported in 2007, and more than 80 percent of all boating accidents go unreported. Given this level of risk for accidents, it is critical that boat owners are properly covered. However, 29 percent of U.S. boat owners don’t own a separate watercraft policy. This often happens because boat owners assume that their craft is covered by their personal auto policy or their homeowner’s policy; unfortunately, this is not the case.


Is there coverage on my homeowners policy?
Some homeowner’s policies offer coverage for physical damage for boats, but only for smaller vessels. The typical homeowner’s policy contains a special property limit of $1,500 on watercraft, which doesn’t begin to cover the value of most boats. In addition, the covered perils specific to the boat are greatly restricted. There is liability coverage available for boats under most homeowner’s policies, but once again, it only applies to smaller watercraft.

What about my auto policy?
The standard auto policy covers the boat trailer for liability with the option to add coverage for physical damage. The boat itself, however, is not covered for liability or damage.


What kind of situations would require a specialized boat owners policy?*

1. Your cruiser collides with a speedboat whose operator fails to yield the right of way, causing extensive damage to your boat. The owner of the speedboat does not have any insurance coverage.

2. An expensive bass boat you just purchased is stolen from your home.

3. Your 27-foot-long sailboat is damaged by a major hailstorm while docked at the marina.

4. Your sport fishing boat is struck by lightning, incapacitating its electrical system.

5. Your son’s friend is water skiing behind your boat and he falls into the lake, injuring himself due to the excessive speed of the boat.

6. You negligently cause another boat to overturn to avoid a collision.

7. Your outboard motor explodes, seriously injuring your next-door neighbor.

 

Here comes the Rain again

Severe storms can impact your home and family in a flash. Every year lightning kills more people in Florida than anywhere else in the U.S. Here are some tips to help keep you and yours safe during an electrical storm:

  1. Avoid contact with water and plumbing.

  2. Don’t use corded phones while a storm is raging.

  3. Stay away from entry doors and windows, as well as exterior walls made of concrete, brick or tile.

  4. Unplug electronics and appliances (even those on surge protectors) and disconnect any associated cable TV or phone lines.

  5. Caught outside in a Thunderstorm squat low to the ground, making the smallest target possible while minimizing contact with the ground.

  6. Get inside a home, building, or hard top automobile (not a convertible). Although you may be injured if lightning strikes your car, you are much safer inside a vehicle than outside.

    • Remember, rubber-soled shoes and rubber tires provide NO protection from lightning. However, the steel frame of a hard-topped vehicle provides increased protection if you are not touching metal.

    • Pull safely to the side of the road, keeping a good distance from trees or other tall objects that could fall on the vehicle, and ensure that the emergency flashers are on.

  7. Watch for fallen power lines and trees, and report them immediately.

  8. Avoid the following:

    • Natural lightning rods such as a tall, isolated tree in an open area 

    • Hilltops, open fields, the beach, or a boat on the water 

    • Isolated sheds or other small structures in open areas 

    • Anything metal—tractors, farm equipment, motorcycles, golf carts, golf clubs, and bicycles.

  9. In a forest -Seek shelter in a low area under a thick growth of small trees.

  10. In an open area - Go to a low place such as a ravine or valley. Be alert for flash floods.

  11. On open water - Get to land and find shelter immediately.

  12. Anywhere you feel your hair stand on end (which indicates that lightning is about to strike) - Squat low to the ground on the balls of your feet. Place your hands over your ears and your head between your knees. Make yourself the smallest target possible and minimize your contact it the ground. DO NOT lie flat on the ground. 

DID YOU KNOW? If your home’s natural gas supply uses corrugated stainless-steel tubing (identifiable by yellow- or black-sheathed flexible tubing), proper grounding is essential to minimize risk of fire from lightning. A licensed electrical contractor can verify that it’s properly grounded.

 

VISIT www.lightningsafety.noaa.gov/lightning_map.htm to see the risk of lightning strikes for your state. 

 

Have you driven a rental car lately?

Do your travel plans often include car rentals? If your answer is yes, chances are you’ll have to decide whether or not you will need to purchase additional insurance coverage once you get to the rental counter. How do you make sure the additional purchase is really necessary?

Car insurance

One good way to find out is to review your current coverage. For instance, you are probably aware that some credit card companies offer rental car insurance as a membership benefit. In addition, your personal auto insurance policy may extend coverage to the rental car if you’re traveling for pleasure and not for business. 

Regardless of whether you purchase coverage from the rental car company or it is carried over by your own insurance carrier, making sure you are adequately covered may help protect you and your family in the event of an unfortunate accident. Be sure to contact us before you rent a car to review your personal circumstances.

Apples to Oranges: 

Not All Insurance Policies are the Same

When it comes to auto insurance policies, there are countless options on the market. However, not all policies are created equal. While you may be tempted to buy the insurance policy with the lowest price tag, this might end up costing you in the long-run. Here are a few tips for choosing the best policy:  

• Compare limits - make sure yours are adequate
• Protect against gaps in coverage (e.g. umbrella policy)
• Customize your policy (limits, discounts)
• Read the fine print
• Work with a professional

We are here to make sure your auto policy does its job: keeps you protected in case of an accident. As independent agents, we can do the shopping for you, apply applicable discounts, and - most importantly - make sure you have the right policy for your situation.

 


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Allsafe Insurance and 
Financial Services

is your 1stop-shop for quality service
to meet your every financial need.

Services Provided
Personal/Commercial Insurance
Auto, Home, Renters, Life, Health,
Dental Disability

   
Income Tax Mortgages
Notary Public Real Estate
Payroll Services Credit Counseling
Retirement Plans Reverse Mortgages

Certified Foreclosure Prevention And Loan Modification Counseling

Are you getting everything you are entitled to?  If your circumstances have changed recently—a wedding, new baby, redundancy or divorce for example, you may not be aware of help that could be available to you. 

Call and make an appointment. Find out what you are entitled to. All counseling is completely confidential.


Did You Know

Allsafe Insurance and Financial Services provides Free Notary Services to all current clients and their friends and family.

 Factors that may affect your Auto Insurance premium are: 

  • Age

  • Gender

  • Marital Status

  • Driving Record

  • Previous Insurance Coverage 

  • Credit History 

  • Geographic Location 

  • The Vehicle Type

  • Vehicle Use 

  • Theft protection devices

  • Multiple cars and drivers

 An Educated Consumer is an Empowered Consumer!

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The content of this newsletter is taken from sources that are believed to be reliable.
However, this newsletter is not intended as a substitute for legal, financial, or professional counsel.

Allsafe Insurance and Financial Services ~ 27 S Kirkman Rd, Orlando, FL 32811
phone: (407) 290-6262 fax: (407) 290-6201 email: info@allsafeins.com web: allsafeins.com
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