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Holiday Fire Safety: FAQs to Keep Your Home Safe

Wed, 09 Oct 2024 13:30:00 GMT

As we observe Fire Safety Month this October, it's an excellent time to focus on fire prevention, especially with the holidays just around the corner. With all the cooking and festivities, it's essential to ensure your home is safe from fire hazards. To help you stay prepared, here are some commonly asked questions about fire safety during the holiday season.

1. What should I do if I need to leave the kitchen while cooking?

When you're cooking, particularly when frying, grilling, or broiling food, it's important never to leave the kitchen unattended. If you need to step away, even for a short time, turn off the stove to avoid any accidents.

2. What items should I keep away from the stovetop?

Anything that can catch fire, such as oven mitts, wooden utensils, towels, and food packaging, should be kept away from the stovetop. It's easy for these items to accidentally come into contact with a hot surface and ignite.

3. Is it safe to wear any type of clothing while cooking?

Be mindful of what you're wearing while cooking. Avoid loose-fitting clothing or long sleeves that can catch fire if they come in contact with a gas flame or electric burner.

4. Is deep-frying a turkey safe?

Deep-frying a turkey can be dangerous if not done properly. If you must deep fry, always do it outdoors, on a flat surface, and far away from any structures. Alternatively, consider using your stove for a safer cooking method.

5. Should I have a fire extinguisher in my kitchen?

Absolutely! It's essential to have a fire extinguisher in your kitchen and know how to use it. A Class K extinguisher, specifically designed for cooking fires, is the best option to have on hand.

6. How often should I test my smoke alarms?

Ensure smoke alarms are installed on every level of your home, inside bedrooms, and outside sleeping areas. You should test your smoke alarms monthly to make sure they are working properly. This simple task can save lives.

By taking these precautions, you can help prevent fires and keep your home safe during the holiday season. Share this valuable information with your friends and family to help spread fire safety awareness.

For more safety tips and updates, be sure to follow and like Anthony Insurance Agency on our social media accounts!

Updating Your Insurance Coverage After Major Life Changes

Mon, 15 Jul 2024 13:00:03 GMT

As we approach the mid-year mark (can you believe how quickly time flies?), we at Anthony Insurance Agency want to ensure your coverage is current and aligns with any recent life changes.

It's essential to review your coverage periodically, especially after significant life events, as they can impact your coverage and premiums. Here are some common events that may affect your needs:

Family Dynamics

Changes in family size, marital status, or the unfortunate loss of a family member can significantly impact your insurance needs. For instance, adding a new family member might necessitate more extensive health or life insurance coverage, while a change in marital status might require updating beneficiary designations.

Location Changes

Relocating to a new address or a student moving away for college can also influence your insurance requirements. Moving to a new home might require adjustments in your homeowners or renters insurance, while a child going to college might need specific coverage for their belongings.

Insurance Transitions

Turning 26 and transitioning off a parent's insurance plan or experiencing a loss of job-related coverage are critical moments to reassess your insurance policies. These transitions can leave gaps in coverage that need to be addressed promptly to avoid lapses.

Miscellaneous Milestones

Becoming eligible for Medicare, fluctuations in income, achieving U.S. citizenship status, or transitioning post-incarceration are other significant milestones that can alter your insurance needs. Each of these events can affect the type and amount of coverage that is most appropriate for your situation.

If any of these situations resonate with you, please schedule a consultation with us. By updating your coverage, we can ensure you're adequately protected in the most cost-effective manner possible. Let's work together to keep your coverage up-to-date and aligned with your current life stage.

Preparing for Hurricane Season: Essential Tips for Homeowners

Wed, 15 May 2024 19:24:34 GMT

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Summer Activities for Seniors

Mon, 15 Apr 2024 13:30:00 GMT

As we gracefully step into the golden years of retirement, the summer season unfolds as a wonderful time to rediscover the outdoors and indulge in activities that our busy schedules might have previously limited. At Anthony Insurance Agency, we understand the diverse health and comfort levels among us, especially during these vibrant years. With that in mind, we're thrilled to share a handful of accessible and enjoyable summer activities designed for active seniors. Whether for yourself or someone you care about, these ideas promise to enrich your summer days with health, happiness, and a touch of adventure.

1. Discover a New Path

The simple act of walking outdoors not only nourishes the soul but also offers numerous health benefits, including reduced anxiety and improved sleep quality. Why not explore your neighborhood for walking trails or venture on a different route than usual? A change of scenery can do wonders for your mental and physical well-being.

2. Embark on a Local Adventure

Summer is the perfect season for day trips. Consider planning a visit to local flea markets, malls, or restaurants with charming outdoor patios. To keep comfortable, alternate between indoor and outdoor activities. It's a delightful way to discover new places and create lasting memories.

3. Engage in Lawn Games

With a significant portion of older adults living alone, staying socially connected is crucial. Lawn games offer a fantastic opportunity to engage in friendly competition. Gather friends and family for a game of cornhole, bocce ball, or simply enjoy a leisurely walk or day out. These activities not only keep you active but also strengthen social bonds.

4. Cultivate a Garden

Gardening is a serene and fulfilling hobby that connects you with nature. Embrace the therapeutic benefits of tending to a garden. Whether you're growing flowers, vegetables, or herbs, gardening is a rewarding way to spend your time outdoors, soaking up the sunshine and caring for your mental and physical health.

We hope this curated list inspires you to embrace the summer season with enthusiasm and activity. Remember, it's never too late to try something new or to revisit an old hobby with a fresh perspective. At Anthony Insurance Agency, we're here to support you in making the most of these golden years.

Stay Connected! Follow and like our social media accounts for more tips, ideas, and updates tailored for active seniors like you. Let's make this summer unforgettable, together.

Why Every Homeowner in Florida Should Consider Flood Insurance

Mon, 25 Mar 2024 14:00:00 GMT

In the ever-changing landscape of Florida's weather, the importance of being prepared cannot be overstated. With the spring season heralding not just warmer weather but also the onset of storms and potential flooding, it's crucial for homeowners across the state to turn their attention to the often-overlooked aspect of home safety: flood insurance.

Florida is unique in its geographical makeup, leading to an interesting fact that surprises many: All of Florida is in a flood zone . It doesn't matter if you are in what's considered a high-risk or low-risk area; the entire state is susceptible to flooding, making it imperative for every homeowner to assess their need for flood insurance.

The Stark Reality of Flood Risks in Florida

Floods stand as the most common and widespread of all natural disasters, affecting more areas and homes than any other type of natural event. Here's what every homeowner should know about the risks:

Widespread Impact : Floods don't discriminate by geography; they can happen anywhere, affecting homes in both expected and unexpected locations.
Significant Damage : Consider that a mere inch of floodwater can wreak havoc on your home, causing over $25,000 in damage. This figure puts into perspective the potential financial strain a flood can cause, even in areas considered to be at low to moderate risk.
Frequent Claims : About 20% of all flood claims come from areas not traditionally viewed as high risk. Moreover, over the past decade, the average flood claim has amounted to approximately $30,000 – a substantial sum that highlights the financial implications of flood damage.

Why Standard Homeowners Policies Fall Short

A common misconception among homeowners is that their standard insurance policies cover flood damage. Unfortunately, this is not the case. Flood insurance requires a separate policy, a crucial detail that many overlook until it's too late.

Take Action Today

Given the realities of flood risks and the potential financial implications, securing flood insurance is a wise decision for any Florida homeowner. At Anthony Insurance Agency, we understand the unique challenges and risks faced by homeowners in our state. We're here to provide the information, support, and coverage you need to protect your home and peace of mind.

Whether you have questions, need more information, or are ready to discuss adding flood insurance to your coverage, don't hesitate to reach out. Our team is dedicated to helping you navigate your insurance needs and ensuring you're prepared for whatever comes your way.

Protect your home, protect your future. Contact Anthony Insurance Agency today to learn more about flood insurance options for your home.

What Does “No Fault” Automobile Insurance Really Mean in Florida

Tue, 17 Mar 2020 17:21:00 GMT

Insurance can be confusing and downright frustrating. It doesn’t help when vague and misleading terms get thrown around by non-insurance nerds to describe policies. This seems to be especially rampant with automobile insurance coverages.

In Florida a very popular, but misleading term is “No Fault”. If you get into a car accident, trust me there is plenty of fault to go around, just like if you get into a disagreement with your spouse. You really think “hey baby, this is a no fault situation” is going to fly? If something is going bad its usually my fault, just ask my wife.

Well “no fault” is really short hand to reference a minimum legal amount of 1st party bodily injury insurance coverage that is required to obtain a license in Florida and it is formally known as Personal Injury Protection or PIP. 1st party insurance covers the buyer (your insurance company pays for your own hospitalization), 3rd party coverages cover someone else’s injuries or property you might have caused harm to which you are legally liable. 3rd Party insurance is usually called “liability coverage”.

PIP was originally conceived to reduce law suits and fraud because if you were injured you would only be collecting from your own policy and insurance carrier for your bodily injury claim under $10K and thus not have to sue the the other driver and their insurance carrier. The jury is still out on whether this strategy actually reduces fraudulent claims, and there are many in favor of getting rid of PIP, but I digress.

If you are in an accident follow the necessary procedures, call the police, get yourself medical attention and if the injuries require treatment you may be using your own “Personal Injury Protection” coverages to pay for some or all of your treatment regardless of who actually caused the accident. PIP is the bare minimum in coverage and should not be relied on to make you and your family whole for your hospitalization costs, lost income, medication, medical bills, and surgeries in a major accident.

Call or message Wayne Anthony Insurance today about your options. You might be surprised how inexpensive it is to truly protect your family (and by the way “full coverage” and “insurance fairy dust” are also not real insurance or legal terms in case you were wondering).

Do Your Know Your Auto Insurance Coverages?

Wed, 30 Jan 2019 21:37:00 GMT

Why is auto insurance coverage so important? Which options do I need? Can’t I just buy the cheapest plan available? How much is enough insurance? What happens if I’m in an accident with someone who doesn’t have insurance? So many questions!

Are you often confused about your auto coverages? Honestly, if I were not an insurance agent, I would be confused about my coverages, as well. This is why it is so important to choose your agent careful; one who will listen to your coverage options.

Let’s take, for example, uninsured motorist coverage. Florida ranked number one in 2015 for highest number of uninsured motorists on the road, at 26%. That’s a lot of drivers on the road without adequate coverage! If you’re struck by a driver with an adequate liability limits, uninsured motorist coverage is what is going to pay you and your family’s medical bills.

Sometimes, taking the cheapest insurance premium is not in your best interest. We don’t want you to be over insured either, but we do want you to be insurance wise. Call us today at Wayne Anthony Insurance to help you understand your automobile coverage options.

Don’t be confused by your own coverage. Let us help you be insurance wise.

What is Your Hurricane Insurance Deductible?

Wed, 30 Jan 2019 21:25:00 GMT

What is my hurricane insurance deductible? What does it include? Do I need a better plan?

Are you covered in the event of a hurricane? Or will you be hit with another nasty surprise when it’s all over because you don’t have the right plan? Let us help you be insurance wise.

Do you enjoy all these hurricanes? Most people don’t even realize what the hurricane deductible is.

The standard deductible is typically 2% of what your home is insured for. Having $8,000 in hurricane damages and not even exceeding your deductible is not the situation you want to be in. And, let’s face it, these past three years have shown us hurricanes are becoming more frequent than ever.

Hello, my name is Michael with Wayne Anthony Insurance. We have been insuring Brevard county and beyond for over thirty five years. As an independent agent, we are not tied to any one carrier. This gives us the most options in the marketplace to find the right insurance products for your needs.

We would love to review your policy and reduce your out-of-pocket exposure. Also, be sure to ask us about a flat rate hurricane deductible. Call us today, and let’s review your insurance options. Unless you like risk, Wayne Anthony insurance, the right agency with the right coverage for you.

Decisions for Newlyweds

Wed, 30 Jan 2019 21:11:00 GMT

You’ve said your “I Do’s”. You’ve celebrated the Big Day, and you’re hitched. Most importantly, you’re newlyweds!

Newlyweds face some big decisions as they merge their lives, and not just whose tacky furniture is headed to the dumpster.

Now that you and your spouse are in a combined household, it’s time to review your insurance options.

It’s important to compare your car insurance policies. And, more than likely, you can save with a combined quote. Often, your combined rate will be less than your single rate.

With your new family, now is the best time to reviews your insurance needs, and make sure your coverages are correct.

Call us today to start your review. Have the advisors at Anthony Insurance and Viera review your coverage today. Unless you like risk, the right agency with the right coverage for you.

Let us help you be insurance wise.

Who is your Insurance agent?

Thu, 16 Feb 2017 17:11:00 GMT

By Micah Williams
Insurance Consultant at Wayne Anthony Insurance

When you purchase insurance, what is the first thing you think of? For most of us the answer is, how much is this going to cost me? While cost should always be considered when making your choice, the main question you should be asking yourself is, am I covered adequately for my specific insurance needs? While there is some standard underlying coverage that is included in most policies, what is actually covered can be a bit more complicated. That is why a trusted insurance adviser is vitally important when purchasing any policy.

At Wayne Anthony Insurance, in addition to being competitive on price, we add the value of being trusted advisers as the risks in your life change over time. Here are some tips that show how I consult my clients to keep them on top of their risk exposure.

Endorsements: Would you like to find out at the time of a claim that the insurance policy you purchased with your home does not have the proper coverage endorsed onto your policy to protect you and your assets? Of the many endorsements available, to name one that should always be included is water back up and sump overflow. Imagine a sewer back up happens in your home and you find out you are not covered for this loss, (not a good day). Also, another valuable endorsement is replacement cost instead of the depreciated actual cash value. At the time of a loss you do not want to find out your $2500 TV is now worth $250, or the $10,000 dollars in furniture you own is now valued at $1,000.

Do Not File Small Claims: It is helpful to have someone you can trust to recommend when to file a claim or not. Insurance claims, and the premium increase that almost always follows, stay with you for up to five years. If you add up the increased premium over that time period, you should be cautious to file a claim, unless it makes sense to.

Raise Your Deductibles: By rule-The lower the deductible, the higher the premium, the higher the deductible, the lower the premium. By having an understanding that insurance should be avoided for small claims, raising your deductible to a reasonable amount puts money back in your pocket.

Have Uninsured/Under-insured Motorist Auto Coverage: Statistics indicate that about 1 in 4 drivers in the state of Florida have no auto insurance, and many people only have the state minimum requirements for liability coverage. If you are in a major wreck and not at fault, the person who is at fault may not be able to pay for your bodily injuries. This is where your uninsured motorist coverage protects you. Match these limits with your regular liability levels when financially possible.

Have a Personal Umbrella Policy: The umbrella not only pays claims above your home and auto liability limits, but also responds to a lawsuit or claim against you outside of your home or car. These policies are affordable and provide excellent coverage. We recommend having your total liability coverage greater than or equal to your total assets, which is your risk exposure.

Insure Your Home to Full Replacement Cost: As I have said before, insurance is there for the big losses, so make sure to have your home properly valued and insured to be able to rebuild it in the case of a total loss. If you don’t, you will either not be able to rebuild your home in the way it was before the loss, or you will have to pay the difference out of pocket.

I hope these recommendations let you see the advantages of having a trusted insurance consultant that truly cares to help you navigate the complexities of insurance options and manage your risk exposure. As your trusted Independent Insurance agent, I am always out for my client’s best interest, to keep them prepared for and protected from the unknown. Call or email me and I will be happy to do an insurance comparison/review for you.

Stay Protected With Renters Insurance

Mon, 31 Oct 2016 15:54:00 GMT

If you’re renting, you may assume that your landlord’s insurance protects you and your valuables against damages, theft, or injury. Oftentimes, this isn’t the case and tenants can find themselves drowning in expenses following a disaster. Renters insurance enables you to replace damaged or stolen property, covers additional costs of temporary living following a disaster, and protects your responsibility if someone were to be injured in your home. While renters insurance plans vary based on your specific needs, here are some of the most common uses of renter’s insurance coverage:

Guest Injuries: If a guest were to fall, trip, or be injured in your home, renters insurance helps to cover the cost of medical expenses if your guest decides to pursue you for damages. Medical bills and legal defense costs can add up quickly, so it helps to have insurance to cover your responsibility to those injured in your home.

Theft: If you’re the victim of a robbery, chances are your landlord won’t be responsible for the lost or stolen items. While they may hold some liability, there’s often a chance that your landlord is not legally required to cover the cost of replacing your valuables. Renters insurance helps to protect your stolen property when the items are listed on your policy.

Natural Disasters: In the event of a natural disaster, renters insurance helps to cover the costs of temporary living expenses while your home is restored. It can also protect any property that could have been damaged from a windstorm, hurricane, water damage, or more depending on your coverage plan.

As your Viera insurance agents, we want you and your most prized possessions to be protected in case of an emergency. Though we can’t predict the future, we are able to mitigate risk and ensure that you and your family are protected should you need assistance. To learn more about how you could benefit from a renters insurance policy, contact our agents today.

Does Your Business Have General Liability Insurance?

Mon, 05 Sep 2016 12:00:00 GMT

Having general liability insurance for your business is one of the most important steps you can take to protect your company. The chances of business owners being sued has increased dramatically over the past decade and general liability insurance keeps a lawsuit from becoming a financial disaster for your company. Even if you think that you’re safe from facing a claim, having liability insurance is a smart investment that can save you thousands in legal costs if you were to face a legal battle.

Liability insurance protects your company’s assets and pays for obligations, such as medical costs, if someone were to get hurt on your property or if there was property damage caused by you or an employee. This insurance also takes care of your legal defense costs, protects against claims of false advertising or copyright infringement, covers the cost of any settlement if you were sued, and more . The type and amount of coverage your business needs depends on the perceived risk associated with your specific type of business. The location of your business is another factor in determining the type of coverage needed for your business. Here are five steps to keep in mind when thinking about business insurance:

Securing coverage that provides you and your business with the adequate protection to minimize risks is a necessity for business owners. A general liability policy will help cover the legal struggles that could follow an accident, injury, or negligence claim. From bodily injury to slander and property damage to settlement bonds, a general liability insurance policy is a safe investment that all business owners should consider. To discuss your business insurance needs, contact one of our Viera agents today.

Four Reasons You Need Auto Insurance

Mon, 01 Aug 2016 12:00:00 GMT

Automobile insurance protects you from financial loss in case of an accident. There are varying laws on the type of auto insurance you need depending on your state, and when financing your car, your lender may even have their own coverage requirements. Having someone who understands auto insurance requirements and what you need is helpful for making sure you’re choosing the best policy. If you’re uneasy about choosing a policy, here are a few reminders as to why you need auto insurance:

There’s no good reason to avoid auto insurance. In the long run, auto insurance can save you costly repair costs or medical bills. Don’t put yourself at financial risk, talk to one of our local Viera agents to learn more about your Florida auto insurance options.

Insuring Your Favorite Summer Pastimes

Mon, 04 Jul 2016 12:00:00 GMT

Everyone has their favorite summer pastimes. Whether it’s enjoying a boat day with your family, a ride on your motorcycle with friends, or a cross country roadtrip in your RV, making sure your favorite summer toys are insured will help to ensure the safety of you, your passengers, and your investment. Here are some things to consider:

Motorcycle

While on the open road, you’ll be able enjoy the wind in your hair much more knowing that your investment is safe. In the case that your motorcycle is stolen or damaged, repair or replacement costs can be very expensive. Additionally, if your passenger or someone else is injured, medical costs can quickly add up. If your motorcycle is one of your prized possessions, it deserves special protection. The cost of motorcycle insurance varies based on your age, driving record, where you live, type of motorcycle, and if you’ve taken a driver safety course.

Boat

Days spent on the Indian River Lagoon among family and friends are some of the best days of the summer. Worry less about your boat with insurance to help cover the cost of damages, replacement, or medical expenses in the case of an injury. Your watercraft also needs protection when you’re on land because accidents can happen when it’s being towed. The personal watercraft policy covers bodily injury, property damage, guest liability insurance, medical payments, and theft.

Golf Cart

Golf carts are becoming more and more popular for recreational use. While cruising around your community or local golf course, you’ll be able to relax when you’re not worried about the safety of yourself, your passengers, or your investment.

RV

Summertime is the best time of year for a cruise across country. Your RV does more than just take you from coast to coast, it also provides you with comfort and fun along the way. Just because your recreational vehicle is associated with playtime, doesn’t mean it needs any less insurance. In fact, it may require more because of it’s increased potential for liabilities.

Enjoy your free time this summer knowing that your favorite toys are protected in case of an accident or emergency. To learn more about how to best protect your investments, contact one of our Viera insurance agents today.

Life Insurance 101

Mon, 06 Jun 2016 12:00:00 GMT

Shopping for life insurance can be confusing and complicated, it also requires people to think about death, which is enough to scare anyone away. But even though it may seem intimidating, life insurance isn’t as complex as it seems. With the help of the team at Wayne Anthony Insurance, you’ll be able to find the best policy to protect your family and your estate long after you’re gone. Here are some of the life insurance basics to make your search that much easier:

How Do I Buy Insurance?

When shopping for life insurance, you can either go to an insurance company or choose to use a broker that compares rates from multiple companies. Your employer, union, or trade association may also offer a group life-insurance policy. These type of policies typically offer less flexibility than most individual policies. Most policies will require a medical exam to so that the insurer can assess any health risks.

Do I Even Need Life Insurance?

If you’re single with no dependents and don’t expect to have a taxable or debt-ridden estate, you may be able to skip the life insurance. However, if you’re a business owner, have dependent children, or have a large income disparity among you and your spouse, you should most definitely invest in life insurance. In these cases, a policy will help those you leave behind with expenses after you’re gone.

Term or Permanent?

There are generally two type of life insurance: term and permanent. Term life is the simplest and cheapest type of life insurance and lasts for a set period. A term policy is a good option for those who only want life insurance for a set number of years, perhaps until your children have graduated college or until retirement. Permanent life insurance is the more costly option, but it lasts for your entire life. These policies are used for specific estate-planning purposes like funding future estate taxes or ensuring the life of the family business.

Choosing which type of insurance is best for you depends on your unique circumstances and financial goals. To best realize what type of insurance is best for you and your family, schedule an appointment to meet with one of our qualified and licensed life insurance professionals today.

Have Golf Cart, Will Insure!

Mon, 02 May 2016 15:55:00 GMT

People are increasingly using a golf cart for more than just golf. Many homeowners use them around their properties or even to travel to neighboring properties. For example, a couple may own a vacation home in a gated community located in a rural waterfront area. They have a golf cart that they use on the roads within the community to shuttle between their neighbors’ homes. The cart may suffer damage in some way or even be destroyed in a collision or fire. Also, it may injure another person or damage someone’s property; for example, it could roll over a person’s foot if the user has not parked it correctly. If something like this occurs, the golf cart owner needs to have proper and adequate insurance.

You will enjoy your time cruising in your community when you are not worried about the safety of yourself, your passengers, or your investment. Here are several factors to consider:

There are several questions that you should be prepared to ask your insurance agent . These questions include:

Don’t Drown in Expenses: Why to Get Flood Insurance

Fri, 01 Apr 2016 12:00:00 GMT

Flood waters have the power to damage not only your home and sense of security, but also your financial future. How can you protect the biggest investment of your life in case of a flood?

You have two options. The first one is to hope that you will receive federal disaster relief if a flood damages your property. Many people are under the misconception that the government will take care of their financial needs should they suffer flood damages. The truth is that federal disaster assistance only becomes available once the president formally declares a disaster. Even if you receive disaster assistance, it often comes in the form of a loan you will have to repay with interest. Of course, these payments are in addition to your regular mortgage payments.

That being said, you must consider the possibility that if your home becomes flooded and you are not offered disaster assistance, you should consider the massive damage costs alone. The bottom line is that if you’re looking for secure protection from financial loss due to flood damage, federal disaster assistance is not the answer.

Your other option is to buy flood insurance and stay protected, no matter what. When disaster strikes, flood insurance policyholder claims are paid, even if a disaster is not federally declared. Flood insurance means that you’ll be reimbursed for all of your covered losses. And unlike federal aid, it never has to be repaid. Typically, a policy does not take effect until 30 days after you purchase flood insurance. So, if the weather forecast announces a flood alert for your area, it’s already too late to purchase coverage. You will not be insured if you buy a policy a few days prior to a flood, so stay ahead of a bad situation and contact us today!

Do I Need Workers Compensation?

Wed, 02 Mar 2016 17:26:00 GMT

Workers compensation insurance covers workers injured on the job, whether they are hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work related illnesses.

As an employer, you have a legal responsibility to your employees to make the workplace a safe environment. However, it’s important to remember that accidents happen, even when every reasonable safety measure has been taken.

According to most state laws, if you have employees, you are required to carry some form of Workers Compensation Insurance. Even in non-mandatory states, Workers Compensation coverage is a very good idea, particularly if you have multiple employees or their work entails hazardous operations.

Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services, and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.

Workers compensation insurance must be bought as a separate policy. Although in home businesses and business owners’ policies (BOPs) are sold as package policies, they don’t include coverage for workers’ injuries.

The benefits of workers compensation include:

Workers Compensation Insurance is designed to help companies pay these benefits. This insurance is not health insurance. Workers Compensation is intended to protect employees and is designed specifically for injuries sustained while on the job.

Still have questions? Contact us at Wayne Anthony Insurance today; we are happy to help!

Protect Your Home With Renter’s Insurance!

Mon, 01 Feb 2016 15:39:00 GMT

If you’re renting an apartment, house, or anything in between, having renter’s insurance is extremely important. It ultimately protects your living space and belongings in the event of theft, fire or smoke, lightning, vandalism, explosion, windstorms, and water damage from plumbing.

Another scenario where renter’s insurance would be useful is if you are forced out of your home due to a disaster; in this case, additional living expenses will be covered. It covers things such as hotel bills, temporary rentals, restaurant meals, and other living expenses incurred while your home is being resorted. If someone is injured at your home or elsewhere by you, a family member, or your pet, renter’s insurance covers your responsibility and will pay your local defense costs, should you be taken to court.

Keep in mind that while renter’s insurance does enable you to replace what is damaged or stolen, it doesn’t cover floods, earthquakes, or routine wear and tear (there are separate policies for floods and earthquakes, however).

If you’re at all confused about how much renter’s insurance you’ll need, we suggest calculating the cost of everything you would want to replace if it were damaged or stolen. Think of it as a basis for an inventory; it’ll make filing a claim easier if you ever have to. Make sure to include record model numbers, dates, and places of purchase. Include photos or videos of the items, and place a copy of the inventory in a safe place, away from your home. If anything were to happen, you wouldn’t want those important files to be damaged too!

You might think that you’re safe enough with the landlord’s insurance, but that typically only protects the inside of your building. Your property is important to us, and if you’re looking for a quote, contact us today!

Florida Making History With Alternative Flood Insurance

Tue, 12 Jan 2016 21:58:00 GMT

We’ve mentioned before that our state senator, representative and Insurance Commissioner have asked FEMA for transparency on the National Flood Insurance Program. Since this request for information, tides have been changing for private Florida flood insurance. Recently a few local, private insurers have taken to task underwriting flood insurance in an effort to regulate rates, which have spiraled out of control for many Floridians. Let’s take a look back at how flood insurance became a four-letter-word and what our private insurance companies are doing to rectify the issue and make flood insurance palatable for homeowners on flood planes.

It’s well known that flood insurance is a separate coverage from homeowner’s insurance. It’s necessary for mortgage lenders as well as federally mandated for people who live in flood zones. This is because lenders want to make sure that the properties they finance are protected from any flood damage. Likewise, if you live in a high risk area, the government does not want you to suffer extensively if and when your home is damaged.

Before 1960 many private insurance companies offered flood insurance. At the time they were able to successfully underwrite and pay out claims caused from flood damage. After massive, ultimately expensive, flooding of the Mississippi River in the 1960s those private insurers pulled out of the game leaving the federal government to take care of citizens affected by flooding.

Since then the National Flood Insurance Program, or the NFIP, has bore the cost and weight of a majority of the flood insurance policies in the United States. Only a few private insurers have been brave enough to step into the market. And, those insurers have only been willing to cover properties under certain conditions and backed by huge surplus lines providers, like Lloyd’s of London. Change has been spotty at best, but for a state that holds 37 percent of all NFIP polices it’s a necessary one.

Up until recently, the cost of Federal Flood insurance was reasonable. However, recent changes to to the program have hiked prices for Floridians up to 20 times higher. Our policy makers have concluded that the only way to fix this problem is to open the market and let private insurers in. Hence the request for FEMA information.

Many policy holders may be wondering how exactly private insurers intend to break into the market. And how, if the rates are so inflated, they intend to properly adjust cost to cover any claims? The answer lies in the advancement of technology. Current flood mapping, risk data and computer monitoring have made it easier and more accurate for insurers to predict the likelihood of flood damage. With this new, more accurate information private insurers believe they will be able to properly determine the levels of insurance they can provide. As in any free market system, there will eventually be many options for homeowners to choose from, rates will become competitive and fall within a range that is comfortable for homeowners of varied incomes.

There is certainly an untapped market for private insurers breaking into the flood insurance game. With Federal insurance raising to near impossible-to-afford rates, many homeowners, who are not bound by mortgage or federal mandate, are going without. The consequences for going without flood insurance are costly to say the least.

Allowing private insurers to enter the market will allow homeowners to choose policies that fit their needs as opposed to taking what they can get with the current federally offered on-size-fits all policies. Sen. Jeff Brandes brought in legislation last year to allow these private insurance to tailor flood policies for individual policies. It will allow insurance companies to make policies for homeowners that will be affordable and subject to their needs. In other great news for flood insurance reform, a bill is in congress that will clarify that private insurers can provide the federally mandated insurance for flood-prone areas.

It’s exciting to see that so many legislators and private insurance companies are on board for reforming flood insurance for Floridians. As our industry takes a historic step in helping our clients by providing a coverage desperately needed and, legally necessary, affordable and individualized as their home insurance policies. As these bills become laws and insurance underwriters come on board, we will be sure to keep you informed of your new flood insurance options.

Workers Compensation for the New Year

Thu, 07 Jan 2016 20:45:00 GMT

Workers compensation insurance is a mandatory for any business that has employees. As we roll into the new year it’s important to take a look at your coverage to make sure that you’ve secured the appropriate levels.

Workers compensation insurance covers workers who are injured on the job. This could be from slips and falls on the premises, auto accidents in the company car during business hours, and even work-related illnesses. As an employer you have a legal responsibility to ensure the safety of your employees by providing a safe work environment. Having an acceptable workers compensation insurance program rounds out your efforts and provides your employees financial security if they are injured on the job.

Benefits of workers compensation include:

This new year give your independent insurance agent at Wayne Anthony Insurance a call to go over your business’s workers compensation insurance policy. We will be able to ask you the important questions like, did you hire any new employees, did you introduce new procedures that may require more coverage. We can look at your operations, employees, and make suggestions on any increases or changes to your current coverage.

If you have questions about your business’s coverage, give us a call today. Your independent insurance agent would love to sit down with you and discuss what you can do to craft the best policy for you!

A Year in Review with Wayne Anthony

Tue, 29 Dec 2015 17:00:00 GMT

Looking back on this past year, we can’t help but be thankful for all our customers, new and old. As a family owned and operated business that’s been serving the Space Coast for over 35 years, we’re proud to help meet the insurance needs of Brevard County residents. The New Year is a great time to think about your insurance coverage needs and how they may have changed in the past twelve months. Though it’s great to reflect on these changes and make sure you have the proper coverage this New Year, insurance is important all year long!

From hurricane season to summer boating and everywhere in between, making sure you have the proper home, auto, and life insurance is a must. You never know what may come your way in the New Year, which is why it’s important to be prepared with all the coverage you may need to protect your assets and your family. Oftentimes, in the summer months we see claims for home, flood, wind, and hail damages, while at the beginning of the year, we frequently see auto insurance claims for fender benders or other car accidents. You may not think about needing certain insurance coverage until disaster strikes, which is why it’s important to be prepared all year long, not just hurricane season or when inclement weather is on it’s way.

As you think about the changes in your life that are coming up in 2016, you insurance needs may change. Are you welcoming a new member to the family, buying a boat, or renting a new home? Be prepared this year with the proper coverage for whatever 2016 may throw your way. As your Viera independent insurance agents, we’re here to make sure you’re protected all year long. Contact us today to discuss your insurance coverage needs!

Twas The Risky Night Before Christmas: A Christmas Insurance Story

Tue, 22 Dec 2015 18:27:00 GMT

There’s this really great insurance tale floating around the internet this time of year. It’s called, Twas the Risky Night Before Christmas. Every year our round little bellies get to shaking like bowls full of jelly we hear it. It’s the poem Twas The Night Before Christmas with an insurance twist. We like it so much because it’s a peek into the mind of an Independent Insurance Agent, with a great sense of humor. While we do relax this time of year, in the back of our minds we’re always thinking about how best to protect our clients and families from risk.

We’d like to share this gem with you this Christmas week. We hope you find it as entertaining as we do!

From your Insurance Family at Wayne Anthony Insurance, Merry Christmas!!!

How Much is Too Much: The Cost of Flood Insurance

Tue, 15 Dec 2015 14:05:00 GMT

Not too long ago we discussed how State Representative, Bill Hagar, Senator, Jeff Brandes, and the Florida Insurance Commissioner, Kevin McCarty, asked FEMA for transparency on how they determine the current flood insurance rates. Recently new data on how many homeowners are going without flood insurance, caused us to revisit this issue.

It was recently reported that nearly 300,000 policy-holders who do not have mortgages nor lender requirements have decided to forgo the coverage. As independent insurance agents we see first hand the damage a flood can do, and this concerns us. We don’t like to see cost prohibit people from having the coverage that they need. We certainly hope that the data requested is released so Florida State Lawmakers can begin to allow for private insurance to enter the market.

The law does allow some private insures to enter the marketplace for flood insurance, however there have only been a few thousand policies written. One couple’s rate increased 600 percent over the course of this year because of changes in the National Flood Insurance Program. Changes that our state representatives would like to better understand.

We hope that an agreement can be made soon, that private insurers are able to enter the flood insurance marketplace and create lower rates that will be beneficial and affordable for homeowners to purchase. It’s difficult dealing with the aftermath of a flood, and even more so when you are uninsured.

We will keep you posted on news pertaining to Florida flood insurance. If you need help finding affordable flood insurance coverage, you can count on your independent insurance agent to find you the best rate possible. Call us if you have any questions.

Common Holiday Insurance Claims

Thu, 10 Dec 2015 14:46:00 GMT

The holidays are a busy time. Certainly one where your insurance policies are the farthest thing from your mind. However, with all the hustle and bustle it’s important to slow down and be aware of your surroundings. Just as there was an uptick in kitchen fire claims for the Thanksgiving holiday, claims also increase during the Christmas holiday as well.

The holiday season is rife with hazards, fires, burglaries, and car accidents are at the top of the list. If you want to make sure you have a holly, jolly Christmas, free of catastrophes, take these factors into considerations.

Fires – The incidence of house fires increases 15 percent during the Holiday season. Between candles, fire places, new cooking techniques, and the chaos of having a house full of relatives, fires are bound to break out. Dried out Christmas trees that receive a couple volts from an overloaded socket can also contribute to a Christmas catastrophe that can result in a claim that exceeds $100,000 in damage. To avoid fires this season, slow down and pay attention to your surroundings. Switch out candles for battery operated alternatives, and make sure to not overload your power sources with excessive holiday lights and electronics.

Burglary – There’s a seven percent increase in theft during the holiday season. Expensive gifts in plain view under the tree and in the back seat of your car while your shopping can be an all-too tempting invitation to burglars. In the hustle and bustle of it all, don’t forget about your home security.

Car Accidents – Holidays are the most dangerous time to be on the road. This is in part to the amount of people on the road and an increase in distracted, or drunk driving. Crowded parking lots beget many fender benders this time of year as well so pay attention. Travelling to Grandma’s house from your home in Viera can result in severe and fatal traffic accidents. Remember to be patient on the road during this season. Drive defensively, give your cell phone to your navigator, and always have a designated driver.

Preventing common holiday insurance claims can be easy if you take your time this Christmas and don’t let yourself get too stressed out. Easier said than done, we know. By letting everyone help with dinner, being patient on the road, and taking a few precautions with your decorating, you can ensure a holly, jolly Christmas.

Being Thankful For Your Insurance Coverage

Tue, 24 Nov 2015 21:06:00 GMT

It’s still amazing to us at Wayne Anthony Insurance that another year has almost come and gone. As Thanksgiving rolls around, we’ve taken a second to look back at the year and have found that we all have so much to be thankful for. One of the most amazing things we’re so thankful for is our unique ability as independent insurance agents to provide customized coverage and protections for families in Viera.

Many people only think about their insurance coverage when disaster strikes. But no matter what the disaster is most homeowners are thankful that they purchased insurance. Insurance is one of those things that seems like a nuisance to have and pay for, however every time you need to use it, you are thankful it’s there.

This year saw many different types of insurance claims that we were able to take care of for our clients. In the beginning of the year we see a lot of car insurance claims. The most common type of claim comes from fender benders. To that we’re very thankful. Not only are these claims inexpensive, they’re easy to take care of and mostly mean that no person was injured in the collision.

Another major claim we see mostly in the summer, and especially with a few near misses by hurricanes, is wind and hail damage. These types of claims are regularly covered by homeowners insurance and make homeowners so happy that it is such an easy, hassle-free fix.

As the year goes on we start to get stranger and stranger claims. In fact November is the number one month for cooking-related fire claims. Headed up by inexperienced turkey fryers. According to the National Fire Protection Association, turkey fryers are responsible for $15 million in property damage every year. So this year make sure you’re very careful when cooking. Keep timers and don’t forget about the bird in the oven if you don’t want to have to call upon your insurance coverage this Holiday.

We are so thankful that our status as independent insurance agents in Viera allows us to provide this important coverage to families in Central Florida. If you’ve been thankful for the coverage you carry, shout it out! Let us know when you’ve been thankful you had insurance.

From all of us at Wayne Anthony Insurance, Happy Thanksgiving!

Three Circumstances that Can Raise Your Home Insurance Premium

Fri, 20 Nov 2015 19:10:00 GMT

Home insurance is one of the most important and necessary coverages you’ll purchase in your life. As a homeowner it can insure that you will be financially covered should any damage come to your home, or harm come to you or any of your guests while at your home. Premiums are different for every homeowner. Every policy takes into account individual risks that each home possesses. While you can mitigate these risks as they come, here are three circumstances that are likely to increase your premium.

Each of these circumstances are very obviously risky to insure. It’s no surprise that each of these will increase your rates. While that may seem frustrating for some homeowners, nobody likes to pay too much, it’s very logical. If someone hurts themselves on your diving board, your home is burgled and your entire line of cosmetics you sell from your home is taken, or your irreplaceable paintings are destroyed in a fire, you’d expect your insurance company to act. Increased rates in these circumstances allow insurance companies to do so.

If you have any questions about how much your premium will raise, or how exactly your increased premium will compensate your loss, ask your Viera Insurance Agent today. We are happy to explain to your coverage and how we can get you the best rate possible.

Explaining Citizens Property Insurance Corporation

Tue, 10 Nov 2015 15:32:00 GMT

Over the past few months we’ve been updating our clients about the takeout of the Citizens Property Insurance Policies in Central Florida. We’ve mentioned that the State is looking to depopulate its insurance company and move millions of policies from the state-controlled market to the private insurance market. Because this issue is confusing for some and affects a few of our clients we wanted to explain exactly what Citizens is, how it came to be, and what this depopulation means for you.

Citizens Property Insurance Corporation was created in the wake of the disastrous hurricane seasons of 2004 and 2005. Private insurance companies would no longer insure older homes and some coastal properties. To provide this insurance the state of Florida created the non-profit, tax exempt corporation. The decision to reduce the amount of policies held by Citizens is in an attempt to reduce the risk to taxpayers should another catastrophic hurricane make landfall.

Because Florida hasn’t seen a hurricane in 10 years, private insurers are more inclined to write policies due to growing surpluses and reinsurance. This move to private insurance from Citizens will no doubt benefit the insured. While Citizens provided many who were unable to purchase insurance with much-needed coverage, private insurance that is now available will provide much more robust coverage at reasonable rates.

If your policy is being removed from Citizens in the upcoming months, have no fear. You are entitled to keep your insurance for the duration of the policy period, and when you’re ready to switch over to the private market, your insurance agent at Wayne Anthony Insurance is ready to help get you started. Got questions? Call us today!

Small Businesses and Insurance: Where to Start

Thu, 05 Nov 2015 14:04:00 GMT

For a small business purchasing the correct level of insurance can be a daunting task. There are many coverages to choose from and each can vary vastly depending on what you do. For instance, a dog groomer won’t need any sort of watercraft insurance and a restaurant may not need any auto insurance, but both will need workers’ compensation and commercial auto coverage because those policies are mandated by Florida Law. Likely they will also need both will need certain levels of property insurance. If you’re curious at where to get started, you’ve come to the right place. Here are the basic coverages you’re likely to need when starting a business.

Workers Compensation Insurance — Workers’ compensation insurance provides coverage for employees who are injured on the job as well as partial wage replacement. This coverage also provides protection to the busineness owner should the employee file a civil lawsuit because of the injury. Depending on the type of business you own, you will need varying degrees of worker’s compensation. If your operation is mainly office-focused you will probably pay less than a construction company.

Commercial Auto Insurance – Commercial auto insurance is required by law if your business operates, owns, or leases automobiles as a business operation. This includes company cars, service vehicles and any other auto used for company purposes. This protection is just like any other auto policy and can be purchased at varying levels depending on what your company needs. It will pay for damages done to the company car or others in the event of an accident and will pay medical expenses of those who were injured.

Property Insurance – Property insurance is often required by banks or lenders who you have borrowed money, or are leasing equipment from. This insurance protects the property you’ve purchased, allowing you to make repairs or purchase replacements if if anything is damaged or destroyed.

These three basic types of insurance are just the tip of the iceberg. Each business is unique and having the skilled eye of an experienced independent insurance agent to look at every facet of your business to help you choose the best levels of coverage for your business can save you money. Not only can it save you money, but the insurance you purchase will prove itself to be valuable beyond measure if something should be damaged, or if someone is injured.

If you have any questions about what insurance your small business cannot or should not go without, give your insurance agent at Wayne Anthony Insurance a call today.

Home Insurance Considerations for Halloween

Tue, 27 Oct 2015 14:32:00 GMT

Halloween is a fun and exciting holiday for parents and kids alike, and Viera is a wonderful community to take those tots out for a night of trick-or-treating. While most people don’t want to worry about their homeowners’ insurance on this gleeful holiday, it’s something you should really think about. Having numerous neighbors making their way to your door for candy could present you with some insurance issues.

Homeowners insurance provides you with protection should your home be damaged or if a guest is harmed while on your property. It’s an essential protection and one you’ll find particularly useful when those spooky critters come a knockin’ for tricks-and-treats. Here are a few things you can do to make sure your home is ready for Halloween from a insurance perspective.

While thinking about insurance when you’re trying to decide between dressing up as Left Shark or Grumpy Cat this year may seem boring by comparison, it’s still very important. If you have questions about how your homeowners’ insurance could be helpful this Halloween, give your Viera insurance agent a call today.

Happy Halloween!

Tampa Flooding to Cost $107 Million Dollars in Damages

Wed, 21 Oct 2015 14:24:00 GMT

Although Tampa is far away from our beautiful home of Viera, a recent report about the flood damage from this summer caused us to pause and think about how floods can cause more damage than first assumed.

According to the report Pasco County officials have estimated that $107 million dollars will be needed to repair the hundreds of streets. The Public Works Manager DiAnna Rawleigh says that there are 144 damaged streets that could cost $15 million to repave. Improving, updating, and fixing damaged storm drainage systems is estimated to cost $92.5 million. She added that without additional funding, the repairs could take around 74 years to complete.

This is an astonishing amount of time and money needed to repair infrastructure, and doesn’t even take into account the 300 damaged and 46 destroyed homes that were left in the storm’s wake.

Flooding causes serious damage, and being without flood insurance is a definite risk. It’s unclear how homeowners are fairing in the aftermath of the storm. Or, how much it will cost them to repair or rebuild their homes. Those who were covered have most likely moved on after completing repairs with little to no hassle. Those who did not have the extra coverage are dealing with the repairs completely on their own.

Flood insurance, while not included in homeowners insurance, is extremely important especially in Florida. While our state lawmakers are asking for transparency from the Federal flood insurance program, the best thing you can do is talk with your insurance agent to better understand your current coverage.

If you have any questions about if you need flood insurance and how your insurance agent at Wayne Anthony Insurance can help get you the coverage you need, give us a call today. We’d be happy to answer your questions and help prepare you for any storm that comes.

In The News: Florida Approves the Removal of 140,000 More Policies

Tue, 13 Oct 2015 16:35:00 GMT

In Florida’s move to depopulate the state-created insurance group, Citizens Property Insurance Corporation , another 142,500 policies have been approved for removal. This removal is an ongoing effort for the state to move the insureds from the state-run groups into the private insurance marketplace.

The recent approval allows the removal of up to 140,000 personal residential properties, and 2,500 commercial residential properties from Citizens. The policies are from Anchor Property and Casualty, Heritage Property and Causalty, Olympus Insurance Company, and United Property and Casualty Insurance. The take out dates are December 22 ^nd for personal residential, and December 15 ^th for commercial properties.

While it may seem a hassle for those affected by the removal, moving to the private insurance market is a great opportunity. By receiving coverage from the private marketplace you can work with an insurance agent one-on-one to discover your actual needs. Coverage may be more cost effective when you have a licensed agent take a detailed look at your circumstances.

This recent approval brings the number of approved removals to 1,321,193 policies. So far, only 141,647 polices have been effectively been removed.

If you have any questions about if this removal will affect you, please contact Wayne Anthony Insurance. We can help you craft the perfect policy for you and your family.

Much Ado About Flood Insurance

Thu, 08 Oct 2015 20:05:00 GMT

Florida Representative Bill Hager, Senator Jeff Brandes, and Florida Insurance Commissioner, Kevin McCarty have heard Florida residents’ concerns about the steadily raising flood insurance rates. They recently sent a letter to FEMA requesting a access to data on how the National Flood Insurance Program (NFIP) determines its rates.

As all homeowners know, flood insurance is not covered under any homeowner’s insurance policy. It is coverage that you must purchase separately. Seasonal rain and risk of hurricanes mean flooding is an ongoing threat for the residents of Viera and all of Florida, making this coverage a necessity.

High rates of flood insurance is no news to Floridians, and if FEMA does share this information with Florida insurance companies they will be able to compete in the insurance marketplace. Providing much needed relief to homeowners.

The problem, according to Representative Hager , is, “The disproportionate relationship between our losses as we understand… and the premiums our people pay, and more accurately the continued increase in premiums our people pay.”

With the NFIP’s data, private insurance companies would be able to audit how the federal government makes their rates. With this information, Hagar said, “We can at minimum reach our own judgment, and to the extent that we believe Floridians are being gouged, and we do believe they’re being gouged, we can turn up the heat on our Florida delegation on this issue.”

Because the NFIP is a federal program, private insurance and the states they reside in have no jurisdiction over the rates. If Florida insurers were able to see if their policyholders were being charged unnecessarily high rates, they would be able to appeal to law makers to open flood insurance to the private marketplace.

By opening up the flood insurance to the private insurance marketplace, rates will be regulated. They would be market driven as well as loss driven, and more fairly priced based on raw data that insurance agents can analyze.

This is a very interesting time to be a Florida insurer. If the NFIP releases its data to the Florida Insurance Commission, sweeping change may be in the works. We will do our best to keep all of our policyholders informed on this exciting exchange between our state lawmakers and federal flood insurers.

Preparing for The Worst: Fires

Tue, 29 Sep 2015 14:35:00 GMT

As national preparedness month comes to a close, we wanted to remind our policyholders about the importance of a fire safety plan. While hurricanes and the threat of flooding have a dedicated season, a house fire could happen at any time. Being prepared for a fire is the best way you can ensure your home and family are safe from disaster.

House fires most commonly originate in the kitchen. When cooking appliances, like the stove or a coffee pot, are left on for an extended period of time the possibility of a house fire increases. You’ll want to remember to always turn off these appliances after using them and make it a practice your whole family follows.

Another source of house fires is faulty wiring. In older houses, this problem is much more prevalent. You’ll want to check wiring for ware-and-tear every six months and call an electrician if you’re detect anything. Also if you notice any above-ground power lines sagging or being weighed down by palm fronds or tree limbs, call FPL as soon as possible.

Unattended candles are another source of house fires you can control. When you light a candle make sure it is away from loose drapery, is in a sturdy holder, and always extinguish the flame when you leave the room.

Preventing house fires can be easy by paying attention to these common causes. However, a fire may still erupt. To keep your family safe, here are a few tips and how you can create an emergency plan.

Preventing and being prepared for emergencies is exactly what national preparedness month is all about. We hope that by following these blogs and tips that your family feels comfortable with the preparedness plans you’ve created. If you have questions about creating a preparedness plan, and how you can also protect your home and assets with top-tier insurance policies, give your Viera insurance agent at Wayne Anthony Insurance a call today.

Preparing Your Home for a Hurricane

Thu, 24 Sep 2015 18:49:00 GMT

If you’re a Florida native, you’re no rookie to hurricane season. September is National Preparedness Month and that means it’s time to take out that checklist and make sure your home and family is prepared in the event of a storm hitting the Space Coast. As your Viera home insurance professionals, we want to make sure to give you all the tools and tips of the trade to stay safe this hurricane season. Here are some things to keep in mind when getting ready for a hurricane :

It’s also a good idea to consider flood insurance for your home. When a disaster strikes, flood insurance policyholder claims are paid and you’ll be reimbursed for all of your covered losses. To be ready for whatever hurricane season throws your way this year, consider adding flood insurance to your home or business insurance policy. Stay safe, Brevard!

September is National Preparedness Month

Wed, 16 Sep 2015 18:08:00 GMT

For insurance agents the month of September is very important because we enjoy educating our policyholders on preparedness. We know that the best way to protect your family, property, and assets is to have a solid policy and be prepared for the worst. September is National Preparedness Month, this month we’ll be sharing several ways you and your family can become prepared for anything that may come your way.

There are many natural disasters that Florida is susceptible to that your family should be aware of and plan for they include:

A homeowner’s policy will cover damage from all of these disasters excluding flood damage. That will require an additional policy. Understanding the environmental risks of living in Viera will help you and your insurance agent in crafting a policy that’s just right for your family, property, and assets.

Next week we will discuss how you can prepare your home and family for hurricanes, tornados, and floods. If you have any questions about how well your policy will cover damages from any natural disaster, please contact your Wayne Anthony Insurance Agent today.

Is Your Four-Legged Friend Increasing Your Insurance Rates

Tue, 08 Sep 2015 12:00:00 GMT

Dogs are great; they are loyal and excitable members of your family. Many people don’t think that their choice in pet can affect their homes, aside from a few accidents and maybe chewing up a couch cushion during a thunderstorm. But, according to an article in Forbes , home insurance companies often raise rates for 11 “risky” breeds of dogs.

The reason being, should your dog bite someone in your home a lawsuit or costly claim can result. Some insurers refuse to insure the “risky” dogs, while others simply raise your rates. Here are the top 11 breeds of dog that some insurers are wary of covering.

11. Wolf Hybrids

10. Siberian Huskies

9. Alaskan Malamutes

8. Akitas

7. Presa Canarios

6. Great Danes

5. Chows

4. German Shepherds

3. Rottweilers

2. Doberman Pinschers

1. Pit Bulls and Staffordshire Terriers

If you have questions about if your best friend is increasing your insurance rates, give Wayne Anthony Inurance a call today. We can talk to you about how all pets can affect you insurance premiums and what you can do to keep your costs down.

Reasons Home Insurance Can Be Prematurely Cancelled

Tue, 25 Aug 2015 16:56:00 GMT

Homeowners are generally a very responsible group of people, and insurance companies are prided on providing the services promised in a policy. While it is illegal for an insurance company to cancel a policy without reason, there are a few circumstances in which an insurance provider may cancel a policy before the contract date is reached.

Failure to pay premium – Failure to provide payment for services usually results in a loss of those services. So is true with insurance. If a homeowner does not pay their premium, their insurance will be revoked.

Fraud – Should a homeowner attempt fraud, an insurance company can immediately cancel coverage. Even before the contract date is up.

Misrepresents the home on the original insurance application – Insurance policies are carefully crafted terms that are designed to keep you and your assets protected. By misrepresenting your home, you’re doing your home a disservice as well as giving your insurance company cause to cancel your policy.

Abandons or allows the home to fall into disrepair – Insurance policies are designed to protect your investment. If you fail to protect your investment by allowing your home to fall into disrepair, the insurance agency has cause to cancel your policy.

These special cases for premature cancellation are situations in which most people would expect a policy to be cancelled. If you have any questions about policy cancellation, give your Viera insurance agent at Wayne Anthony Insurance a call today.

The In’s and Out’s of Business Auto Insurance

Thu, 20 Aug 2015 21:11:00 GMT

As a business owner, you know how important having insurance coverage is. If your business has one or more vehicles, you also know how important having an auto insurance policy is. Business auto insurance protects all vehicles used in your business from any damage that may occur. It also covers your business autos from uninsured motorists. Here are a few other things to know about business auto insurance.

If you have any questions about the levels of business auto insurance your company should purchase, and at what levels, give your Viera insurance agent a call today. We can put you on the right path for the correct coverage to protect your business on the road.

Motorcyclists Air Their Complaints

Tue, 11 Aug 2015 19:23:00 GMT

As your Viera motorcycle insurance experts, it’s important for us to keep our clients up to speed on industry trends and findings. Recently Erie Insurance conducted a study with Harris Poll to ask motorcyclists their top five pet peeves. This survey is interesting, and we’re sure you’re going to agree with their findings.

Top 5 Peeves against other cyclists
5) Riders who don’t wear helmets.
4) Riders who don’t wear protective gear.
3) Lane Splitters.
2) Passing on the shoulder.
1) Reckless, aggressive riders.

Top 5 peeves about Cars
5) Drivers not using turn signals.
4) Tailgaters.
3) Aggressive, reckless drivers.
2) Texting and driving.
1) Drivers who don’t check blind spots.

The key things we can wrench out of this survey is that following traffic laws are the best way to be a courteous, and safe driver. While motorcycle insurance can financially take care of you, passengers, and your bike in the event of an accident, the best way to prevent one is to follow traffic laws. Riding a motorcycle affords you freedoms that a four-wheeled vehicle does not; however, it is very important to be extra aware of your surroundings to ensure you’re safe, not annoying other riders, and have no reason to file a claim.

Celebrating National Coast Guard Day!

Tue, 04 Aug 2015 18:47:00 GMT

Today is National Coast Guard Day, and we thought we’d celebrate by saying, “Thank you” to the members of our Coast Guard for all the brave work they do. We hope that none of our policyholders are ever in need of their services; however if they are, they can be sure not only they will be safe, but their boat will also be covered by their watertight watercraft policy.

The US Coast Guard wears many hats and protects our country from outside threats. They prevent the trafficking of drugs and ensure intercostal trade is fair and legal. They keep our marine ecosystems protected from poachers and boaters that are not obeying the laws. The Coast Guard is also the US’s most precious search and rescue team. Rescuing many people every year who are in accidents at sea.

At Wayne Anthony Insurance we hold a special place in our hearts for the Coast Guard because they work hard to keep our citizens safe at sea. If you are ever in an accident at sea, the last thing you’ll be worried about is how your watercraft makes out. However, watercrafts are often hefty investments. As such, many boat owners choose to think proactively and purchase a watercraft insurance policy that insures their boat in the event of such an accident.

On this National Coast Guard Day we’d like to reflect on all the good work this branch of service does for our country and the people who enjoy spending time in Florida’s beautiful ocean. Thank you for everything you do United States Coast Guard; our coast is safe in your hands!

Your Teen and Car Insurance

Tue, 28 Jul 2015 12:46:00 GMT

Young drivers are always a concern for parents when it comes to handing over the keys, and subsequently readjusting the family car insurance. While you want your child to become independent, and grow into a healthy adult, keeping the keys away from them can be a very attractive option for more than one reason.

Young, inexperienced drivers are much more likely to be involved in an accident. As such, they are a sure way to increase your insurance rates. At Wayne Anthony Insurance the safety of you and your teen is very important to us. We recommend enrolling them in a driver’s safety course as soon as they are eligible for a permit. By teaching them the rules of the road before they hit it, you can at least feel more confident in their abilities. According to the CDC theses are a few factors that lead to the scary statistics behind teen driving.

Putting your child in a driver’s safety course reduce their likelihood of being in a vehicle accident by 40 percent. If you have questions adding your new driver to your policy, please give your insurance agent at Wayne Anthony Insurance today.

Workers’ Compensation’s Constitutionality to be Decided by Florida Supreme Court

Tue, 21 Jul 2015 17:53:00 GMT

When the news that the Florida Supreme Court has been asked to decide on the constitutionality of our state’s worker’s compensation law, we took notice. At Wayne Anthony Insurance our expertise lies in many types of insurance. Not only can we provide robust personal policies to families, home and property owners, we also are on the forefront of insuring businesses for all their needs.

On June 24 ^th the Florida Third District Court of Appeals dismissed a case pertaining to the constitutionality of our state’s workers’ comp system. The case was dismissed citing procedural issues, and the plaintiffs have requested the Florida Supreme Court look at the case.

The case’s history began in 2010 when a worker was injured on the job. He and other injured workers were forced to retire due to long-term effects of the injury. In 2013 employee advocacy group took on the case and noticed that a provision of the Florida Workers’ Comp law added in 2003 no longer gave workers a fair deal.

Over years of being litigated, the district court decided that the case itself had strayed from it’s original intent and thus dismissed the case. Now it will be up to the Florida Supreme Court to deicide the constitutionality of the current Workers’ Compensation Law, should they decide to hear it.

We’ll make sure to keep you informed on the court’s ruling if they decide to hear the case. In the mean time, if you have any questions about keeping your workers safe and your business’ level of Workers’ Comp Insurance, give your insurance agent a call today.

In The News: Florida Approves Removal of 80,000 Policies

Tue, 14 Jul 2015 13:56:00 GMT

We came across some interesting news today. The Florida Office of Insurance Regulation has approved the removal of more than 80,000 policies from Citizens Property Insurance Corporation. This action is part of the Sunshine State’s effort to move insurance holders from state-created Citizens Property Insurance into the private insurance market.

The policies approved for removal by Heritage Property & Casualty Insurance Co., Southern Oak Insurance Co. and United Property & Casualty Insurance Co are both personal and commercial residential policies. The take-out periods begin in September. If you’re a current policyholder with any of these companies you’ll be able to stick with the policy until the take-out date. But, it would be a good idea to start looking for insurance soon.

If you’re seeking an independent insurance agent who can shop all of the private insurance markets in your best interest give us a call today. At Wayne Anthony Insurance, our agents can craft the perfect policy based on your unique residential needs. We also insure a wide range of assets including property and motor vehicles as well as life in business insurance. If you’re curious about switching over your policies to an independent insurance agent, don’t hesitate to stop on by.

Layout of the Life Insurance Land

Tue, 07 Jul 2015 14:40:00 GMT

For many people, purchasing life insurance for the first time can be an exciting and confusing experience. Because life insurance is so beneficial for both yourself and your family, here’s a rundown of what to expect. And remember, the experienced insurance agents at Wayne Anthony Insurance are always here if you have any additional questions.

Life insurance is essentially a policy that pays your loved ones a set sum of money after you pass away. It’s used to pay bills, make up for income lost by the death of a spouse and overall lend a hand with finances during this difficult time in a family’s life. There are two categories of life insurance:

Term Insurance

When buying Term Insurance, you’re buying insurance for a temporary period of time, or a “term.” For example, if you have a large debt, like your mortgage or student loans that can be paid off in a certain amount of time. Or, if you just want life insurance until your kids graduate from college, Term Insurance is perfect for you.

Permanent Insurance

Permanent Insurance is just that, permanent. It lasts a lifetime and will pay the full amount, considering that loans, withdrawals or surrenders are not taken while you are alive.

Depending on your financial goals and family situation, each type of insurance has its pros and cons. Speak with your agent if you’re interested in purchasing life insurance for you and your family.

Four Things to Think about this Fourth of July

Wed, 01 Jul 2015 11:12:00 GMT

Fourth of July is our country’s most important holiday. It is often spent with family and friends in backyards enjoying the freedom that living in America affords. As the grills begin to cool off and the fireworks start to boom, here are four things you should think about this holiday.

We hope that your 4 ^th is fun and safe this year! Take advantage of this time with your family and friends and really celebrate the freedoms we all enjoy. From all of us at Wayne Anthony Insurance, Happy Fourth of July!

Insuring Fun: Golf Cart Insurance

Wed, 24 Jun 2015 20:01:00 GMT

You insure your car, you insure your home, you insure your life but have you thought about insuring your most exciting possession, like your golf cart? Believe it or not, golf cart insurance is available and can be a very important coverage to have if you’ve invested a lot in your cart.

Whether you use your golf cart for golfing or just motoring around Viera, these vehicles represent a considerable investment that could end up costing you more money if they are not insured. Here are a few things that golf cart insurance covers.

It works similarly to automobile insurance; however it’s tailored specifically to your cart. If you haven’t insured your golf cart yet, and think that this would be a sound decision, call your insurance agent at Wayne Anthony Insurance for an estimate.

A Windstorm Rider

Fri, 19 Jun 2015 16:00:00 GMT

Most people are aware that homeowners insurance covers damage caused to your house during a natural disaster. But, sometimes, a storm is just too big for your coverage to handle. For people who live in areas that are susceptible to powerful windstorms that would not be covered by a basic homeowners policy, a windstorm rider may be extremely helpful.

Windstorm insurance can cover evens such as hurricanes, tornadoes and cyclones. In some cases it may even take care of hail damage. It covers outside structures, the main structure of your home as well as what’s inside. A windstorm rider generally has a separate deductible. In the Viera area, this may be referred to as the, “hurricane deductible.”

If you live in an area that is prone to high-intensity storms like hurricanes, tornadoes or cyclones and would like more information about windstorm coverage, give your insurance agents at Wayne Anthony Insurance a call today. We will be able to let you know what coverage is suitable for your situation as well as any other coverage you would benefit from, such as flood insurance.

Business Insurance Frequently Asked Questions

Wed, 10 Jun 2015 11:00:00 GMT

Starting a business is no small feat. You’ve created a product, a business plan and are ready to begin operations; you’re ready to go right? Not quite yet. Insurance isn’t always the first thing that business owners think about when they begin, but it really should be. There are many questions new business owners have about business insurance, and we’d like to answer a few for you now.

Q:What is general liability insurance?

A: For a business, general liability covers a broad range of circumstances you may find yourself in. Most businesses will find comfort in an umbrella policy, but some businesses require additional coverage.

Q:Will it pay for a lawyer?

A: Depending on your coverage, it will. In the event your business is sued, general liability insurance covers the cost of your lawyer as well as other responsibilities a court decides.

Q:Is general liability a standard policy for every business?

A: No, depending on your business your insurance agent will be able to craft a policy specific to your operation.

Q:Is auto liability included in an umbrella general liability policy?

A: No, commercial auto insurance is a separate policy that your insurance agent can also help you tailor to the needs of your business.

Don’t start a new business without thinking about insurance first. There are so many more questions to be answered about business insurance. If you’re not sure where to start, contact your agent at Wayne Anthony Insurance. They’ll get you on the path that leads to success.

Three Things You Need to Know About Flood Insurance.

Thu, 04 Jun 2015 18:42:00 GMT

It’s common knowledge that flood insurance isn’t covered on a homeowner’s policy. Most people understand it’s a separate coverage that homeowners, especially in Florida, should have to cover their assets in the event of a flood. But, there are a lot of things people don’t know about flood insurance. Here are three of the most important:

What you don’t know about flood insurance can hurt you. If you’re a homeowner, or even just renting a place on a flood plane, it will be worth your while to talk to your insurance agent to see what the rates are in your area.

Homeowners Insurance 101

Thu, 28 May 2015 20:33:00 GMT

Congratulations on buying your first home, Viera is a great place to live! With this great privilege comes great responsibility. You can paint the walls any color you want (you could even knock them down). But, when your dishwasher is on the fritz or old electric causes your new garage to burn down, it’s all on you. Which is why having home insurance is a must.

There are many components to home insurance, far too many to go over in one blog. Since you’re exhausted from inspections and closing, and home insurance is essential to protecting your new house, here’s the basics:

If you have more questions about specific types of homeowners insurance, and what policy would be perfect for your new home, call Wayne Anthony Insurance today. Our insurance agents have all the answers to your home insurance questions.

Memorial Day and Watercraft Insurance

Wed, 20 May 2015 16:48:00 GMT

Memorial Day is the busiest travel day of the year for both roads and waterways. Millions of people flock to lakes, rivers and lagoons to make the most of this well deserved three-day weekend. As your trusted insurance agency, we think it would be a good idea to take a second look at your boat insurance .

Making sure your policy is up to date is the smartest way to begin this weekend. That way, if your engine overheats you’ll be able to get it towed back to shore. Or if while navigating an unfamiliar lake you run aground, your policy will pay for the damage. It is also important to evaluate if you carry enough medical insurance and liability coverage.

Before you hit the water this weekend, make sure your boat is ready. Check your pumps, your electrical and make sure you put gas in it, but also double check your coverage. It could make or break your mini vacation.

Is your RV Insured and Road Ready?

Wed, 13 May 2015 15:55:00 GMT

Nothing says summer like packing the kids into the RV and heading out of Viera for the family vacation. You remembered the bug spray and swimsuits, but have you thought about RV coverage?

Recreational vehicles are interesting from an insurance standpoint because they’re your home on wheels. You need to insure them as a vehicle, and for their property value.

Say you decide to let your teenage son take a turn at the wheel. While he’s mastered maneuvering the family’s station wagon, he may need a little more practice when it comes to parking your RV. You’ll be happy you double-checked your coverage after the awning has ripped off and destroyed a few picnic tables in Yellowstone. He’ll be sitting shotgun for the rest of the trip, but you’ll be at ease knowing your liability and property coverage have taken care of both the awning and the tables.

RVs need special attention, if you have questions regarding your recreational vehicle’s insurance coverage, call up our office in Viera, FL. We’ll be happy to answer your questions and make sure your RV is ready for summer vacation.

Great Weather, Great Insurance, Great Ride

Thu, 07 May 2015 18:56:00 GMT

In the midst of this beautiful spring weather we’ve been having here in Viera, we can’t help but think what a great season for motorcycle rides. From clear skies, low humidity and just the right amount of sunshine on your face, motorcyclists across Central Florida are sure to be rejoicing!

As your local Viera, FL insurance agency we want you to rejoice about your motorcycle insurance coverage too! Riding a motorcycle comes with lots of responsibilities like having insurance, but at Wayne Anthony Insurance we strive to offer our customers affordable policies with the coverage they need. Several factors can influence the rate we can find you, but maintaining a good driving record without ay violations is sure to reduce your premiums. So next time you’re out on the open road enjoying the crisp spring air, be sure to remember that your safe driving will save you money!

When you’re ready to ride your motorcycle with affordable peace of mind, contact your agent here at Wayne Anthony Insurance. As your Viera insurance agency , we look forward to seeing you out and about on the road this spring!

Happy Earth Day from Your Viera Insurance Agency!

Wed, 22 Apr 2015 15:53:00 GMT

Each year Earth Day passes by and we are briefly reminded of how important it is to protect and preserve the earth. As your Viera insurance agency, our job to protect and preserve your family is not much different. In honor of Earth Day and in an attempt to keep the awareness alive for more than just today, we’d like to share a few fun ways for you and your family to get involved!

At Wayne Anthony Insurance we hope that you’ll take a moment to recognize the importance of Earth Day, not just today but everyday! And if you’re looking for a Viera insurance agency that puts your family’s protection first, consider talking with one of our agents about the right coverage for you.

Tax Day Is Almost Over–Is Insurance Next on Your List?

Wed, 15 Apr 2015 18:49:00 GMT

Now that Tax Day is behind you, it’s time to turn your attention to your insurance needs. If you’ve been putting off talking with a Viera insurance agency about what coverage is best for you or your business there’s no better time than now. These days, you can insure just about anything; from your golf cart to your jewelry, to your home and your family, there’s so much to consider, and so much at stake. Not to worry—as your independent insurance agency here in Viera, FL we’ve got you covered.

Tax Day can be stressful, overwhelming, and distracting from your day-to-day needs. Now that April 15 ^th is just about over, we hope that you’ll have more time to address your essential insurance needs. Tax Day can bring a lot of attention to your financial status, and can put pressure on finding the right coverage. The agents here at Wayne Anthony Insurance are dedicated to getting you covered—at the right price.

Whether you have questions about auto insurance, home insurance, life insurance, or business insurance, our agents take pride in helping you obtain the necessary insurance, at an affordable price.

Motorcycle Insurance: Ride Carefree

Thu, 09 Apr 2015 14:16:00 GMT

Florida might be known for its year-round sunshine and glorious beaches, but it’s also known for its unusual insurance laws. The majority of states’ motorcycle insurance laws mirror their car insurance laws , however Florida is quite the exception.

Motorcycles are lots of fun to cruise around on, but Florida’s motorcycle insurance laws can be quite baffling. Not to worry, as your Viera insurance agency we’ve got you covered. We’ll walk you through what the law requires and the best coverage options to keep you riding carefree. Florida is unique because although it’s considered a no-fault state requiring personal injury for cars, these laws do not apply to motorcyclists. Your insurance coverage will also affect your ability to choose not to wear a helmet. Motorcyclists 21 years or older that have a minimum of $10,000 medical insurance policy are not required to wear a helmet while riding their motorcycle.

Selecting which type of insurance coverage you need and how much to buy can be fairly overwhelming. Trust your insurance needs to the professional and caring agents here at Wayne Anthony Insurance.

Does Your Business Require Workers Compensation?

Wed, 01 Apr 2015 11:00:00 GMT

Business owners face a multitude of responsibilities on a day-to-day basis. If you’re a business owner, you know just how hectic running daily operations can be. From routine business to taxes and insurance, running your own company is no joke.

As a Viera business owner, it’s your job to provide your employees with a safe working environment. But even when all safety measures have been taken, accidents are bound to happen. That’s where workers compensation insurance comes in. Florida’s laws regarding workers compensation differ depending on the industry in which your business operates. However, even if law does not require this coverage, workers compensation is a wonderful thing to have on your side, especially if your line of work involves hazardous situations.

While the goal of workers compensation is to protect your employees, it can actually be good for business too! Some customers prefer working with companies that offer workers compensation. If you’re interested in learning more about your business and workers compensation insurance look no further than your Viera, FL insurance agency .

Relax this Spring Knowing Your Cart Is Covered

Wed, 25 Mar 2015 11:00:00 GMT

With spring in full swing, there’s no telling what our customers will be up to! From gardening and picnicking to golfing and swimming, we’re sure that you’re taking full advantage of this beautiful weather. If your spring plans involve riding your golf cart, we want you to be prepared for whatever comes your way!

Is your golf cart insured? Golf carts are significant investments that deserve protection. As golf carts become more and more popular as recreational vehicles, there are more and more chances for incidences to occur. If you don’t have golf cart insurance and you think you don’t need it, consider the following questions:

As your insurance agency here in Viera , we invite you to sit down with one of our agents and select the best coverage for your golf cart and your overall insurance needs.

Join Our Team for the Great Brevard Duck Race for a Great Cause!

Wed, 18 Mar 2015 12:49:00 GMT

At Wayne Anthony Insurance we are all about engaging in our Central Florida community. That’s why we’re excited to participate in the Great Brevard Duck Race! Crosswinds Youth Services is hosting its 17th Annual Great Brevard Duck Race at Sand Point Park on Sunday, April 12, 2015 at 1pm. Approximately 10,000 “adopted” rubber ducks will race down the Indian River to the finish line.

The Crosswinds Youth Services is a not-for-profit organization that has been serving young, vulnerable people along with their families throughout Brevard County for more than 40 years. Through continued community support this organization is able to provide children and their families with life changing assistance. As your Viera insurance agency we encourage you to consider joining us in this effort by adopting a rubber duck under our team name.

Here’s how to adopt online under our team’s name.

Grand prize is a four-night cruise to the Bahamas aboard the Disney Dream cruise ship for two guests. Don’t miss your chance to support the youth of Brevard, while getting the chance to win some great prizes! As your Viera insurance agency, we look forward to participating in this wonderful community event with you!

I Don’t Need Renters Insurance…Do I?

Wed, 11 Mar 2015 11:00:00 GMT

You’re finally making the big move and it’s time to make some big decisions. Whether you’re spreading your wings and leaving the nest or you simply haven’t rented in a while, chances are you’ll have some questions about renters insurance. When you’re living on your own, you want to make sure that every dollar you spend is spent wisely. As a discerning consumer, it’s your job to ask questions, and as your Melbourne insurance agency, it’s our job to help protect your assets.

When you’re renting it’s easy to fall into a false sense of security. After all, it’s the responsibility of the homeowner or apartment complex to insure your home, right? Well, sort of. While it is indeed the responsibility of the property owner to insure property itself, it is your job to insure all of your belongings. Renters insurance effectively covers your possessions against losses due to fire, smoke, explosion, lightning, vandalism, theft, windstorm, and water damage from plumbing.

While it may not seem like there’s room in your budget right now for renters insurance, imagine the financial devastation you would experience from losing all of your possessions at once. As your Melbourne insurance agency , our agents will be happy to discuss your available options and help you select the perfect coverage.

Enjoy a Care-Free Spring with Flood Insurance in Melbourne

Wed, 04 Mar 2015 15:55:00 GMT

Spring is still a few weeks away, but if you’re worried about flooding, you better act now! Not many people think about flood insurance until it’s too late. If you’re considering purchasing Melbourne insurance to protect your home and belongings, don’t hesitate to discuss with our agents about finding the best coverage for the needs of you and your family.

With spring just around the corner, you might be wondering if it’s time to finally get that flood insurance policy you’ve been mulling over. But don’t mull over it for too long, March 20 ^th , the first day of spring is just over two weeks away. If you wait until the weather cast predicts a flood, it will already be too late. Flood insurance policies do not go into effect until 30 days after the date you purchase the policy.

Spring is a beautiful time of year, but with it also comes inclement weather. If you’re ready to talk with a knowledgeable agent about finding the right Melbourne insurance coverage for you and your family, contact our dedicated team of professionals at Wayne Anthony Insurance today. Remember, when it comes to flood insurance policies, it’s best to act sooner than later.