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Most people rest easy knowing they’re protected by homeowners’ and auto insurance. And it’s true – they mostly are, if their coverage was arranged by a professional who understands their needs. But beyond the protection of a traditional homeowners’ or auto policy, increasing numbers of consumers are adding to this security with umbrella insurance.
It’s a matter of personal choice that we’re always happy to advise our clients about but it might be helpful to understand how umbrella coverage can add protection for you and your family.
In a nutshell, umbrella insurance is a form of liability insurance that performs two key jobs:
- It provides additional financial protection over and above the coverage in a homeowners’ or auto policy. In other words, it kicks in if any liability costs you face exceed the limits of your main policy.
- It offers protection against some risks that may not be covered by regular homeowners’ insurance – things like libel and invasion of privacy.
Back in the old days, these two risks may not have seemed all that significant but things have changed in the 21st century. For a start, lawsuit awards or settlements and associated costs continue to rise. Just as important, the age of the Internet has thrown the issues of libel, slander and invasion of privacy into the spotlight.
For example, not many people realize that the comments they might insert at the end of a blog or something else they’re reading on the web are potentially actionable – if they turn out to be untrue or malicious. Yes, we enjoy freedom of speech in this country but that doesn’t mean freedom to unjustly slur someone’s reputation. But it’s easy to do without realizing.
This isn’t just a theoretical thing, either. Recently we’ve seen cases where Internet site operators, including a big retailer, were forced to identify individuals who had contributed product reviews anonymously so that lawyers could consider lawsuits against them.
These trends – high settlements and libel lawsuits, and legal costs that can run into the hundreds of thousands – are likely only to increase in the coming years. Umbrella insurance actually provides high-level extra protection against these at fairly low cost, provided you already have standard protection. If you’d like to know more, please contact us at https://www.harboria.com/for-individuals/personal-umbrella-insurance
Have you completed your Annual Insurance Coverage Review this year?
Each year you receive your insurance coverage renewal documents in the mail; have you read them, really read them? Do you recall the last Annual Insurance Coverage Review you completed? At Harbor Insurance we work together with you to provide comprehensive coverage options to fit your needs. However, year to year, these needs can change and it is of great importance to review your policy regularly to avoid any unforeseen coverage blanks or road blocks.
Life is busy and it seems to move faster and faster each year. Don’t let your insurance review slip by and then stop you in your tracks when you have a loss. Scheduling and completing an Annual Insurance Coverage Review is a vital part of keeping your insurance coverage in tact.
Review this brief list of life changes that warrant a review of coverage and a call to your insurance agent as soon as possible:
- address change
- planning an addition or any structural changes
- a vacancy lasting more than 30 days
- alarm installation
- new roof, new windows and/or doors
- recently acquired new jewelry, collectibles, firearms or antiques
- regular household caretakers
- interior updates to kitchen, bathroom(s), floors, moldings, etc.
Regardless of the changes or improvements noted above, you should speak with your insurance agent at least annually to review any changes, additions or questions. As your insurance agent, we do not know unless you inform us; help us stay informed and you are better insured.
Have you spoken to your insurance agent recently? Call us at Harbor Insurance today and we will review your information, insurance plan and help to offer solutions based upon the information you share with us. We are here to help!
You may also contact us via the web and request an Annual Insurance Coverage Review. It only takes a few minutes to help plan for and/or assist in future unforeseen events. Visit us here: Annual Insurance Account Review.
While your home insurance is invaluable for covering the loss or destruction of many of your belongings as well as damage to your home’s structure, your policy may provide only partial coverage for your most cherished items. The good news is that even if they’re not fully covered under your homeowners, with a scheduled personal property endorsement or separate Inland Marine policy, they can be. Harbor Insurance can help you with this!
We can help you determine if a scheduled personal property endorsement or Inland Marine Policy would be a good fit for you. Look around your home and make a list of your cherished possessions. Be sure to consider—Jewelry, Antiques, Art Collections, Musical instruments, silverware/China , Autographed items & Rare or one-of-a-kind items. Did you receive a new piece of jewelry or artwork for the holidays? Have you just gone shopping an acquired a great deal at an estate sale that you are now the proud owner of?
Once you have taken an inventory, make the time to talk with us at Harbor Insurance; we will review your options with you thoroughly. In the meantime, you may also wish to check Harbor Insurance’s Mobile App; this app is downloadable to your phone or tablet and provides a safe, secure and easy way to do a complete inventory or your home, take photos and even store copies of your policy declaration pages. Check it out here: Harbor Insurance Agency’s Mobile App!
Mission Flights International is based in Fort Pierce. They have a couple planes with which they fly relief items to Haiti and to the Bahamas.
Following last weeks Hurricane, they are asking locals for donations. The Port St Lucie office of Harbor Insurance is a designated drop-off location.
If you are able to donate, please visit us at our office with your donations. Your help is greatly appreciated!
Non-Perishable Food items (NO Water and NO Glass Containers)
– Protein Bars
– Canned Meat
-Peanut Butter (no glass containers)
– Paper Products
-Paper Plates and Plastic Eating Utensils
-Formula / Baby food
Cleaning Supplies (NO Bleach or Aerosols)
-Mops / Brooms
-Non-hazardous Cleaning Agents
– Hygiene Supplies
-Toothpaste / Toothbrushes
– Medical Supplies
– Bandages / Band-aid
-Chain Saws / Hand Tree Saws
-Hand Tree Saws
-Batteries (AAA, AA, C, D Cell only)
Thank you for your Donations!
HARBOR INSURANCE AGENCY
6645 S US Hwy 1| Port St Lucie, FL 34952
(West corner of Kitterman Road & US Hwy 1
Hurricane Matthew is approaching. As your Insurance Agents, we want you to be as best informed as possible when storms are approaching and threatening the South Florida and the Treasure Coast.
Keep tuned-in to all local media for updates on the storms direction, its intensity, and timing of potential landfall. As of the 11 am advisory today, most of the Florida East Coast is under a Hurricane Watch.
You can also utilize valuable resources we have compiled on the Hurricane Season page of our website.
• Preparedness Checklist
• Inventory Worksheet
• and at the bottom of the webpage, we have four (4) very useful links to Storm Tracking websites.
Click HERE to go to our Resource Page
If Matthew does hit in your area, remember that we are here for you. Please be sure to keep all of our agency contact information handy.
If Matthew does cause damage to your property, please be sure to submit a claim as soon as safely possible, document any damages with photos, make only necessary temporary repairs for your safety and security and retain any receipts in conjunction with such temporary repairs. Do not discard building debris or other items associated with your claim until you have spoken with your assigned adjuster.
When and if our offices go under a Hurricane Warning, our offices will be closed so that our employees may make preparations for their homes and family. Once it is safe for our team to return to the office, we will be in contact.
In addition, our Agency has a great tool to share with you. Our Mobile APP which is FREE and available for download here. Included in your hurricane prep should be downloading our Mobile App by Go Insurance Agent, you will then have valuable tools right at your fingertips. This APP gives you the ability to create an inventory, store declaration pages, ID cards, photos of your home and/or business and vehicles, file your claim and much more. After the storm, this will prove to be an invaluable tool! Here is the link to download the FREE APP now: DOWNLOAD Harbor Insurance’s MOBILE APP
Please stay safe….and stay informed!
Things to keep in mind when buying a car
Buying a new car is an exciting time — but it can also be stressful. After all, you’re trying to get the best deal on price, while also deciding on the make, model and features you need.
Here at Harbor Insurance, we can’t really help you become a master negotiator when it comes to buying a car. But we can give you some things to consider when you’re looking around the lot — and when you’re trying to answer the age-old question of “new, or used?” Read on with an open mind, and you might just come to a different decision the next time you’re on the car lot.
Ah, that new-car smell. It’s a bit of a cliché, but it’s one of the things that people love about climbing into a brand-new car. And while they make air fresheners that supposedly give you that same smell for your used car, it just doesn’t seem the same, does it? Still, there are other benefits to buying new — and, of course, there are drawbacks as well.
- PRO — maintenance: Some manufacturers offer free scheduled maintenance for a set period of time after you buy the car, and you likely won’t need a new battery, tires, etc., for several years after your purchase.
- PRO — peace of mind: Your new car may have a warranty for up to 10 years, and also is covered by “lemon laws” that could allow for a replacement or refund if the car has serious defects.
- CON — cost: Depending on the make and model, buying a new car is almost always more expensive (at least in terms of the purchase price) than a used car.
It’s also worth noting that if you purchase a new car in its first model year (meaning it’s a new model for the automaker), there won’t be many user reviews available, and data on reliability and repairs will be limited. In addition, sometimes newly introduced cars have some kinks that generally are ironed out by the second and third model years. These aren’t necessarily serious issues, and the warranty should cover them, but in some instances, you and your car could be headed to the shop more than you’d like.
Don’t care about the new-car smell? Looking to save some money on your purchase? Well, a used car might be right for you. There are many advantages to buying used, but you’ll want to be a little more careful. After all, it’s hard to know exactly how well the previous owner treated the car. But you can limit your risk with a little bit of work.
- PRO — cost: New cars depreciate quickly after they’re purchased. By buying used, you’re letting someone else take that financial hit over the first few years of the life of the car.
- PRO/CON — reliability: Buying a used car is less of a gamble than it used to be, particularly with the advent of “certified pre-owned” programs many automakers now offer. However, used cars generally don’t carry the same warranties as new cars, even though the original manufacturer’s warranty is usually transferrable to a second owner.
- CON — maintenance: While a used car theoretically shouldn’t need more frequent maintenance than a new car, you’ll likely need to replace things like tires, headlights, etc., earlier. And scheduled maintenance probably isn’t covered by the automaker.
- PRO/CON — history: You’ll need to check the car’s title history to make sure it hasn’t been in a serious accident or salvaged. Ask the dealership to provide this information, usually from Carfax.
Of course, whichever car you purchase, the important thing is that it’s a good fit for you. Bear in mind that certain makes and models can result in higher insurance costs for you, so feel free to check in with us before you buy. Would you like a quote on for your auto insurance, visit our auto quote page for assistance and receive and INSTANT QUOTE today.
Have fun shopping — and we’ll see you on the road!
Harbor Insurance | 888-451-8818 | harboria.com
Ready for a power outage or emergency? Be prepared with Harbor Insurance.
It’s always a good idea to have an emergency kit handy in case of power outages or other issues — especially with the threat of stormy weather in fall and winter. See recommendations from the American Red Cross below.
Emergency kit basics
• Water (one gallon per person, per day; keep a two-week supply at home)
• Food (non-perishable, easy-to-prepare items; two week supply at home)
• Flashlight and battery-powered radio, along with extra batteries
• First-aid kit, toiletries, medications and medical items
• Multi-purpose tool
• Copies of personal documents, along with family and emergency contact information
• Extra cash, clothing and blankets
• Cell phones and chargers
• Maps of the area
As always, the agents at Harbor Insurance are able to assist you in securing the proper insurance for your home, auto, boat and/or business and more. With over 100 years in business, we have seen our fair share of catastrophe big and small. We are here to help you be prepared for what’s to come.
Call (888) 451-8818 or visit us online today!
For most of us, the Fourth of July is a time to enjoy the company of family and friends, having fun and creating memories – whether at home in Florida or away.
But for some families, the holiday is a nightmare. Homes each year in Florida are damaged by wayward fireworks. Thousands of people are injured in accidents.
At Harbor Insurance, we want your holiday to be happy, but also safe. So here are some tips to help you protect yourself and your property on the Fourth.
Protecting yourself (and others)
- To minimize the risk of injury, don’t use consumer fireworks. Attend a public display conducted by professionals in Port St. Lucie, Boca Raton, West Palm Beach or elsewhere. These three cities have excellent displays with many activities planned for the day.
- If using consumer fireworks, always follow instructions. Do not attempt to re-light “duds” or create homemade fireworks. And don’t do the old, bottle rocket out of a beer can or bottle…this is one of the most common injuries.
- Never let children handle or light fireworks. Even sparklers, which burn at more than 1,000 degrees, can cause third-degree burns. Kids under the age of 15 account for approximately 40% of fireworks injuries, according to the U.S. Fire Administration.
- A responsible adult should always be present when children – even teenagers – are around fireworks. More than half of fireworks injuries happen to those younger than 20 years old.
Protecting your home
- According to the National Fire Protection Association, the best way to protect your home is to not use fireworks at home.
- Remember, fireworks can cause grass fires and other types of blazes as well. Make sure you light fireworks in a safe area, away from homes and buildings, as well as other combustible material. Keep a fire extinguisher nearby in case of emergency.
- Look out for tree limbs or bushes that could catch fire. Trimming vegetation to keep it away from your home is a good idea anyway, but it could save you from a catastrophic fire on the Fourth of July.
- If your gutters have accumulated leaves, pine needles or other flammable material, clean them before using fireworks near your home.
- Finally, if you won’t be home on the holiday, ask a neighbor to keep an eye on your house if others in your neighborhood will be using fireworks.
With some common sense and planning, the Fourth of July can be both safe and enjoyable for everyone. Whether you’re staying at home or heading to one of the many displays throughout South Florida, we hope you have a wonderful time celebrating our independence!