Elementary Insurance Agency

In order to promote a stress-free hurricane season, we encourage the insured to adjust their insurance renewal date so it is well before Hurricane season.  Hurricane season, in Florida, runs between June and November each year. Therefore, changing the renewal date to earlier in the year, such as January or February, opens opportunities for more carrier quotes. It will also ensure renewals and policies will be active, since some policies take up to 30 days to take effect.  Having renewal dates during hurricane season will be stressful to the insured, since they will renew during a time when insurance companies are trying to reduce risk. During major storms and hurricanes, insurance companies will prohibit binding policies. Therefore, if the insured waits until hurricane season is in full swing to renew their coverage, they will run the risk of not being renewed or covered during that time.  Consider coordinating all other policies so they renew around the same time. This i...

Hurricane season is here again! Don't wait until panic sets in when the hurricane arrives to change your insurance carrier. Some insurance policies take up to 30 days to take effect, such as flood policies.   It is always ideal to secure coverage well before any storms, therefore homeowners will be insured and worry free. It is easy to think that switching carriers during a hurricane is simple, but quite the opposite. Instead of switching carriers and getting a new policy in the hurricane season, STAY with your carrier but make sure to update any renovations that the insurance carrier may not be aware of.  Binding Prohibitions, or moratoriums, are meant for high-risk areas and are published by insurance companies. Moratoriums are issued by insurance companies 24-48 hours before a hurricane and may stay in effect 24-78 hours after a hurricane has occurred.  To avoid these concerns, try to set your renewal date for January or February and double check your coverage wel...

Insurance Awareness Day has been created in order to encourage people to go over their insurance plan on this day. Elementary wants to encourage our policyholders to think about the other insurance products we provide. Also, we would love to encourage you to encourage a friend, relative, or colleague to call us and get their insurance quotes.  Our Products      Referring Another We at Elementary hope you are confident enough in us as your agent or potential agent that you would do us the pleasure of referring us to someone you know needs us. We would love to make the entire family a part of our family here at Elementary.  Here is an informational video from Insurance Information Institute with insurance tips for you: https://www.iii.org/insuranceindustryblog/national-insurance-awareness-day/ It's easy to celebrate Insurance Awareness Day by Preventing and Protecting with a proper Policy! Call us for a Quote Elementary is focused on helping you increase ...

June is Safety Month and there are a number of ways to celebrate. Elementary wants this         summer to be the best to date. We think everyone could use a good one but we do not want to be unsafe either. Fun in the sun is something we at Elementary hope you get a lot of this summer. Here are a few summer safety tips we would like to share. Home Safety Tips  The place you lay your head is the most valuable asset and we want it protected. Please consider the safety hazards that are around your home. Summer could be a great time for updating projects and providing checks of all appliances. Vacation planning can be a hassle but be sure to remember everything. Use the safety checklist below to ensure your home's safety while you're away. If you do not have a current home insurance policy please contact us. Home Safety Checklist: Before You Leave for the Vacation Make sure all entrances/windows are locked Make sure all entrances/windows are locked Check ele...

On June 20th , we want to wish a happy Father’s Day to all of our customers who are fathers, celebrating a father, or even praising their grandfathers. Today is a day for celebration, getting together, maybe even some gift giving. Elementary wants to make sure all of a Father’s toys are covered.   Auto Insurance   We know you or your dad cares a lot about what the family drives around in and so do we. At Elementary, we want to insure all of the family vehicles. If the kids are getting new cars do not be afraid to tell us so we can have the entire family covered. Dads, if you have a special ride we want you to trust us enough to protect your other “baby”.  Motorcycle Insurance If we have some riders in the family, do not fret, Elementary can assist them as well. If your dad has a hog he needs insured or you yourself have a bike do not be afraid to contact us for a quote.  Boat Insurance Captains we would like to inform you that Elementary's insurance coverage is not l...

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...