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Home Insurance and Safety Discounts

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Deadbolts, smoke detectors, alarm systems and sprinklers can help you save The statistics are startling. According to the National Fire Protection Association:
More than one in three home fire deaths occurred in a home without a smoke alarm. One in four home fire deaths occurred in a home without a working smoke detector. Twice as many people died in homes without a working smoke detector than in homes with a working smoke detector.
Smoke detectors save lives and property. And, they’re just one of the safety features that may help you earn a safety discount on homeowners insurance. Smoke detectors discount To properly protect your home, it’s important to install a smoke detector on each level of your home. In fact, the National Fire Protection Association recommends installing a battery-operated or electric smoke detector in every bedroom or separate sleeping area. To earn a safety discount on your homeowners insurance, you typically need to have a smoke detector on each floor of your home. Fire alarms and burglar alarms discount A burglar alarm can be an important tool to protect your home by notifying authorities when suspicious activities occur. The FBI reports 60% of home break-ins involved forced entry. Likewise, fire alarms can alert fire departments of a problem before a fire spreads. To take advantage of a safety discount for your home’s fire alarm or burglar alarm, you may need to provide a copy of your service contract or current bill to your insurance company. Deadbolt discount According to the FBI, nearly one in three home break-ins occurs without forced entry. In most cases, that means a burglar entered a home through an unlocked door or window. In some cases, burglars will try multiple doors. That’s why adding a deadbolt to every door is important. To qualify for a deadbolt discount, you typically need to have deadbolts on every door in your home, condo or apartment. When installing a deadbolt, look for one that extends well into the frame of your door. That helps provide extra protection should a thief try to pressure the lock. Sprinklers discount Home sprinkler systems serve two important purposes. They suppress fires, giving your family additional time to escape a burning home. With a sprinkler system installed, the risk of dying in a home fire drops by 80%, according to the National Fire Prevention Association. Home sprinkler systems also react instantly to the presence of smoke and flames, helping protect your home. In fact, the National Fire Prevention Association finds homes with sprinklers have 71% lower property losses per fire than homes without sprinkler systems. To qualify for a sprinkler discount, you may be required to complete some additional paperwork with your insurance company; ask them to find out. All of the companies us represent offer discounts to varying degrees for home safety features — up to 15% — on your home insurance. Call us to find out which discounts are available and what documentation is required. More important, home safety devices can also provide added protection to your home and family. That is priceless. Sources: Federal Bureau of Investigation. The Federal Bureau of Investigation, 25 July 2011. Web. 17 Feb. 2014. . Ahrens, Marty. Smoke Alarms in U.S. Home Fires. Rep. National Fire Protection Association, Sept. 2011. Web. 17 Feb. 2014. . “Home Fire Sprinklers.” National Fire Protection Associaltion. National Fire Protection Associaltion, n.d. Web. 05 Feb. 2014. .

EMERGE INSURANCE AGENCY904-677-5884

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To Get Homeowner’s Insurance – Expect Questions

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When quoting homeowner’s insurance, regardless the size, price, or location of the property, an agent needs a lot questions answered to generate quotes.Fortunately an agent can answer many of the questions brought up in this video  by researching the property on the county’s property appraiser site, reviewing building permits for updates, and doing a visual inspection on Google or Bing maps.But, since you’re curious and always wanted to know how hard we work in producing those quotes we send you, here’s a look at some of the information that is required.
As an independent insurance agency, we represent many companies that specialize in homeowner’s insurance. Remember we are asking the questions to ensure you not only save money on what you pay for information, but also to find the right companies and protection for your unique situation.  EMERGE INSURANCE AGENCY904-677-5884

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What Affects the Cost of Automobile Insurance

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There are six major factors that affect the cost of what you pay for auto insurance:1. Your Coverage And Deductibles2. What You Drive3. How Often, And How Far, You Drive4. Where You Drive5. Your Driving Record6. Your Age, Sex, And Marital Status
Call us a review of your auto insurance coverage and what discounts you qualify for.EMERGE INSURANCE AGENCY904-677-5884

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What Happens If Your New Car Is Totaled?

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New car smell. It’s just one of the joys of buying a new car. Having a new ride, flawless interior and technology upgrades are just a few more.But, there is a risk to buying a new car. The car may depreciate in value quickly. If you’re in an accident, your insurance coverage may not be enough for you to buy the same new car again. Or, you may owe more on your car loan than you’ll get from your insurance policy.That’s where New Car Replacement Coverage and GAP Coverage come in. Here’s how they work. If you’re in an accident and your vehicle is determined to be a total loss:
New Car Replacement Coverage pays for a new vehicle of the same make and model, up to percentage of the original vehicle’s Manufacturer’s Suggested Retail Price.
GAP Coverage includes New Car Replacement for the first year of ownership, and then will pay the difference between the value of your vehicle and the amount of your original loan. (If you lease your new vehicle, you may already have GAP coverage. Please check your lease agreement.)

You can buy New Car Replacement Coverage and Gap Coverage as add-ons to your auto insurance policy. (They are called endorsements.) You can add both New Car Replacement Coverage and Gap Coverage to your policy. Or, you can add New Car Replacement Coverage only to your policy. You can’t purchase Gap Coverage without buying New Car Replacement Coverage.New Car Replacement Coverage: An example of New Car Replacement Coverage in action:
You buy a new car for $19,000.
Six months later, your car is totaled in an accident.
The value of the car is $15,000. But, it costs $19,000 to buy the same car again.

If you have New Car Replacement Coverage, the insurance company will pay to replace your car. That’s right. They will pay the full $19,000 to buy you the car.  GAP Coverage: An example of GAP Coverage in action:
You buy a new car for $40,000.
Two years later, your car is totaled in an accident.
The value of the car is now $24,000. But, you still owe $28,000 on your loan.

If you have GAP coverage, you can be reimbursed up to 110% to 120% of the value of the vehicle. In this case, your loan will be paid in full.We have several companies that offer a New Car Replacement Coverage endorsement which provides full protection for the first year after you buy a new car. We also have companies that provide GAP Coverage protection.EMERGE INSURANCE AGENCY904-677-5884

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Do You Own Rental Property? If your tenant’s guest is hurt….

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Although the majority of homeowners purchase insurance for their home, when it comes to renters, only 35 percent have renters insurance, according to a poll conducted for the Insurance Information Institute (I.I.I.). That means that they (the tenants) have no insurance coverage if they are liable for the financial loss of someone else. OK, think about this. You rent a home, duplex, etc. to someone. Your tenant has a party and one of the guests is hurt, gets an attorney, and seeks financial damages. Well 65% of tenants have no insurance coverage for liability claims. So, who the attorney go after? Bingo, the property owner!! We have many investors and individuals who have rental properties, and advise them every day on the insurance liability issues that are present. Call us today for a no obligation consultation if you have rental properties.EMERGE INSURANCE904-677-5884

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Florida is the lightning capital of US – Protect Yourself and Your Home

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In Florida there are a whopping 25.3 strikes per square mile and 1.45 million lightning strikes each year, on average. The state is also the deadliest for lightning, with 62 deaths over the past 10 years. Florida’s lightning stroms are due to its location between the Atlantic Ocean and the Gulf of Mexico. These bodies of water provide the moisture needed for the state’s notorious thunderstorms.
EMERGE INSURANCE AGENCY904-677-5884

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