Elementary Insurance Agency

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...

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...

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...

While our customers are on the move, Elementary wants them not to worry about coverage. We want our drivers to be covered whether they are operating a car, motorcycle, RV/trailer, boat, atv, and even a golf cart. Here’s all the information on all the products Elementary offers. Auto Auto insurance covers damages to your vehicle, injuries to others, burglary, vandalism, running into an animal, glass fractures, meteorological conditions, etc.  Motorcycle Motorcycle insurance includes bodily injury and property damage liability, uninsured motorist, comprehensive and collision protection, and medical payments. RV/Trailer RV insurance protects your vehicle if it’s damaged in an accident and in other events beyond your control. It protects the RV owner against liability lawsuits and medical payments. Boat Boat insurance covers damage to your boat, motor, trailer, and personal items in the boat . It protects the boat owner against liability lawsuits and medical payments. Boat insura...