Elementary Insurance Agency

Hurricane season is typically June through November. Hurricanes at a category one or two aren’t severe. But, for hurricanes that reach category four or five, these can be catastrophic and sometimes fatal. If you own property along the eastern seaboard, you know that this can mean potential damage to your home. Now is the time to revisit and familiarize yourself with your current insurance plan and coverage options before extreme weather conditions happen, so you can best protect your home and assets. Before we discuss insurance advice, let us go over some hurricane season tips. Tips For Hurricane Season Before Talk with your family about what to do if a hurricane strikes. Discussing hurricanes ahead of time helps reduce fear, particularly for younger children NOAA Radio Stations are a great way to informed Protect windows with permanent storm shutters or invest in one-half inch marine plywood that is pre-cut to fit your doors and windows.   ...

National Family Month is observed during the five-week period between Mother’s Day in May and Father’s Day in June . It is timed to coincide with the end of the school year, when families start spending more time together, and focus attention on mothers and fathers as the most powerful support system for their children. Here at Elementary we want to be a trusted partner in this support system who is on watch when you are not. Homeowners Insurance We want your family home to be covered with the best coverage we can offer. Homeowner's insurance provides coverage in the event of a covered loss for your property. Wherever your family lays their head, we want you all to rest easy knowing everything is covered and protected. Auto Insurance Elementary knows everyone in the family will be on the move. While you are on your move, we want you to know that Elementary has you covered. Auto insurance covers damages to your vehicle, injuries to others, and a...

Florida requires a FR-44 Insurance certificate state filing for drivers who have been convicted of a DUI or a DWI. FR44 Insurance is a financial responsibility insurance certificate and requires minimum limits for liability of $100,000/$300,000 for bodily injury and $50,000 for property damage. If the FR-44 Certificate is not maintained, the Department of Motor Vehicles can suspend driving privileges, ability to register vehicles in the state, and prevent the obtaining of state decals. Motorcycle owners are also required to file a FR-44 Insurance Certificate.  The Breakdown How long do I need one? The State of Florida decides the exact time limit case by case but in most cases it is a three year period.  How much does it cost? Insurance prices are determined by factors like age, location, driving record, and claims history. The most accurate rate will be requesting a quote from an insurer.  What information do I need on hand? Firstly, you will need your driver’s lic...

Grab the handlebars ladies and gentlemen. May is motorcycle month! Take the bike out for a long ride for us. Nearly 30% of all specialty vehicles are uninsured, underinsured, or require tailored coverage. We at Elementary want our bikers to feel covered always and we do not just mean wearing your brain bucket. Elementary offers Motorcycle insurance so while you are riding free, we hope you are stress free. Before we discuss the coverages we can provide, let’s talk about the recommended safety precautions you as riders need to consider.  CHECK YOUR BIKE BEFORE RIDING - Be sure to check the tires and wheels, controls, lights, fluids, chassis and stands before hopping on the bike.   BE A DEFENSIVE RIDER - Avoid riding in another driver’s blind spot, for instance, and don’t stay behind a large truck, where others may not see you.   AVOID ROAD HAZARDS - A motorcycle can be more prone to skids and bumps in the road because bikes have less contact with the pavement.   P...