GreatFlorida Insurance - Heather Reichle - North Port Insurance

Umbrella Insurance Quotes in North Port, FL

Heather Reichle, Agent

941-564-6540

3335 Bobcat Village Center Rd
North Port, FL  34288
Fax : 941-564-6547

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Umbrella Insurance North PortUmbrella Insurance

Lawsuits are not reserved for the rich and famous, unfortunately, no one is immune.  Disastrous circumstances can leave you in debt if you are not protected.

An umbrella insurance policy goes beyond the limitations of traditional insurance.

GreatFlorida Insurance provides extra liability insurance from lawsuits, property damage, injuries, slander and libel, worldwide incidents and false arrest and imprisonment as well as shock and mental anguish for residents of North Port.

Our umbrella insurance is designed to protect you and your family from major claims and lawsuits. It is security without the huge costs.

An umbrella policy will cover medical bills and claims of an incident that occurs on your property such as a dog bite, pool injury or death, or boating incident. Property damage liability covers damage you are responsible for such as a serious auto accident.

It can also safeguard rental property you own. Without an umbrella policy your assets, college fund, salary and retirement savings are vulnerable.

GreatFlorida Insurance is here to support you and your family when a crisis occurs. Prevent your family from financial ruin by signing up for an umbrella policy to shelter your family’s future.

Umbrella Insurance North PortCover Your Bases with Umbrella Insurance

It's the part of insurance that we all dread, policy coverage limitations. You pay for insurance expecting complete protections.

Unfortunately, we all know that while it's essential to arm yourself with insurance policies that protect your assets, there are occasions where those policies just aren't enough.

You can hope that you have great luck and will never need more than your policies cover, or you can invest in umbrella insurance.

Contact a GreatFlorida Umbrella Insurance Agent in North Port for your free quote today by calling 941-564-6540 or by taking a few moments to complete our online quote request form.

What is Umbrella Insurance?

Umbrella Insurance is like the super hero of insurance policies. It saves you by breaking the chains on the limitations of auto, boat and home insurance.

Basic policy exclusions are no match for umbrella insurance. Get added protection from such liabilities and incidents like:

  • Lawsuits
  • Property damage
  • Injuries
  • Slander and libel
  • Worldwide incidents
  • False arrest and imprisonment

How do I know if I need an umbrella insurance policy?

Do you want to know you're protected against the limits of your policies? Do you want coverage on items that are excluded from your policies?

If you answered "yes," an umbrella insurance policy is your answer.

Simply call 941-564-6540 or complete our online quote request form. A GreatFlorida Umbrella Insurance Agent in North Port will help you find the best deal for you.

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Florida Umbrella  Insurance Blog
by GreatFlorida Insurance
7/23/2019

“Pools offer hours of endless fun, but they also come with a big responsibility to ensure everyone’s safety,” says Ellsworth Buck, Vice President of GreatFlorida Insurance.

According to the USA Swimming Foundation, 148 children under 15 years old drowned last year in the US between Memorial Day and Labor Day.

The Insurance Information Institute (III), reports the insurance industry considers a pool an “attractive nuisance,” due to liability.  If you own a pool or plan to install one, talk to your insurance agent about changes needed to your homeowners insurance policy. The Insurance Information Institute recommends that pool owners should consider increasing the liability portion of their homeowners insurance to at least $300,000 or more, depending on their assets. Homeowners might also consider an umbrella policy to provide additional liability protection.

“Also, be sure your homeowners insurance can cover the cost to replace your pool in the event it is destroyed by a storm or other disaster,” says Buck with GreatFlorida Insurance.

Required Safety Measures for Residential Pools

The best way to prevent drowning is constant adult supervision of children and medically frail elderly people. However, as a backup, Florida state law requires residents who have swimming pools, spas or hot tubs to also have at least one of the following safety features in place.

Under the law, swimming pools are defined as structures that contain water that’s more than 24 inches, or 2 feet, deep. The law for residential swimming pools is outlined in the Preston de Ibern/McKenzie Merriam Residential Pool Safety Act. It requires Floridians to choose at least one of four safety measures when they install a pool, spa or hot tub. Options are listed below:

One safety measure is a barrier that isolates the pool from the home, which could be a fence or a wall, or a combination of both, that surrounds the pool. The barrier should prevent access to the swimming pool from the residence or from the yard. It must be at least 4 feet high.

Another approved safety measure is a pool cover that’s either manual- or power-operated and meets standards of the American Society for Testing and Materials.

Floridians with pools can opt for an exit alarm equipped on all doors and windows that have direct access to the pool. Under the law, the alarm must make an audible, continuous alarm sound any time a door or window that allows direct access from the residence to the pool area is opened or left ajar.

Another safety precaution under Florida law is a self-closing, self-latching device on all doors and gates that provide direct access to the residential pool.

The  American Red Cross recommends the establishment and enforcing of pool rules and safe behaviors around your pool at home, for more information, click on the link provided.

GreatFlorida Insurance provides quality home insurance and umbrella policies to fit your budget. For more information call us at 888-478-7801 or visit us online at www.greatflorida.com.

The post The Reality of Pool Ownership appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
7/15/2019

Beginning today, July 15 through July 21, state troopers and local law enforcement across Florida are cracking down on speeding drivers. “If you have a lead foot, slow down or you will get pulled over,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

“Operation Southern Shield 2019” will focus on drivers who are breaking the law by traveling above the speed limit on interstates, major highways and local roads. In addition, law enforcement in Georgia, Alabama, Tennessee and South Carolina will also be participating.

The focus is to encourage motorist to slow down, therefore reducing crashes and providing a safer experience for motorists. “The goal of Southern Shield is to not write a lot of tickets but to show drivers how speeding drastically increases their chances of being in a crash,” Governor’s Office of Highway Safety Director Allen Poole said. “We are warning drivers now so those who do not want to see blue lights in the rearview mirror will follow the speed limit, wear their seat belt, and drive alert and sober.”

The National Highway Traffic Safety Administration (NHTSA) reports in 2017, speeding killed 9,717 people, accounting for more than a quarter (26%) of all traffic fatalities that year. The Florida Department of Highway Safety and Motor Vehicles says more than 10, 590 crashes in 2018 in Florida involving speeding or driving too fast for conditions. Speeding was also a contributing factor in 8.7% of all crash fatalities statewide, resulting in more than 270 fatalities.

“Getting a speeding ticket can cause a hike in your auto insurance,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent auto insurance agency.

According to DMVFlorida.org, If you get a traffic ticket in Florida, you have 30 days to pay off your citation, go to traffic school or request a court appearance. Speeding fines vary across the state, from county to county.

GreatFlorida Insurance offers dependable and affordable car insurance. Give us a call today for your free quote.

The post Law Enforcement Plans to Crack Down on Speeding Motorists appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
7/8/2019

The Florida Fish and Wildlife Conservation Commission (FWC) has issued a directive encouraging Florida homeowners to kill green iguanas they find on their property. “It might sound a bit barbaric, until you better understand the threat these reptiles can cause,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent homeowners insurance agency.

Green iguanas are not native to Florida and are an invasive species from Central and South America.  The reptiles damage structures such as seawalls, sidewalks and roofs. They also destroy landscape plants with flowers and foliage as well as some fruit and any vegetable plants. The creatures can also transmit salmonella to humans through contact with water or surfaces contaminated by their feces.

“It is important to check your pools to prevent contamination,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

No permit is required to kill green iguanas on your property, however they are protected by Florida’s anti-cruelty law, so the execution must be considered humane. A hard blow to the head- a quick death, is recommended. It is illegal to poison, drown or freeze the reptiles as well as relocate captured iguanas. You cannot kill or set traps in common areas in communities and condos owned by an HOA. In these instances, it is best to contact a professional removal service.

The Miami Herald reports iguanas have burrowed into sewer lines and under roads, popped-up in toilets, and shopping centers.

The FWC website says, green iguanas can live on the ground, in shrubs or in trees in a variety of habitats including suburban developments, urban areas and agricultural areas. The reptiles are excellent swimmers and tolerate both fresh and saltwater. They can submerge themselves for up to 4 hours at a time. Contrary to their name, the retiles are blue, brown, orange, black and pink. The males can grow to over 5 feet long. Their population is difficult to control, since they can lay over 70 eggs a year and have no known predators.

If you have green iguanas on your property you want to get rid of the FWC has some advice on how to drive them from your place.

Fill in holes to discourage burrowing.

Hang wind chimes or other items that make intermittent noises.

Hang CD’s or décor with a reflective surface.

Spray the animals with water or use a sprinkler.

The post Iguanas Overrun Florida appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
6/26/2019

Summer is in full swing, which mandates a trip to the beach. With the most beautiful beaches in our backyard, it’s a shame not to take full advantage.

“Open water swimming at the beach is adventurous and can provide a challenging workout,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent boat insurance agency.

While swimming in the ocean is fun, changes in water depth and hidden currents also make it unpredictable.  Here are a few tips to keep your beach trip enjoyable and safe.

Swimming at the Beach

The American Red Cross recommends to always stay within your fitness and swimming capabilities.

Swim in a supervised, marked area with a lifeguard present, and swim with others. Never swim alone.

“Continually supervise children around water and never leave young children unattended around water, says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent boat insurance agency.

Stingray season is from April – October, when entering the water look around the edge, where they generally hang out. A purple flag at city beaches will provide a warning.

Rip currents and undertow currents are the biggest dangers to swimmers at the beach. Swim in an area where there is a lifeguard on duty or ask other swimmers about the conditions in the water. If you are caught in a rip current, swim parallel to the shore until you are out of the current. Once you are free, turn and swim toward shore. If you can’t swim to the shore, float or tread water until you are free of the rip current and then head toward shore.

If you find yourself pulled out to sea by a current, don’t panic. Try to keep calm to conserve energy. Relaxing is also the best way to stay afloat. Breathing deeply draws more oxygen into your body, lowering your overall density and thereby buoying you up in the water. Laying back also helps you float, because it makes it more difficult for water to flow around your outstretched body and force it downward compared to when you’re upright. If necessary, kick your legs and wave your arms very gently, cupping your hands to push water downward and turning them on edge to slide them upward.

Do not swim at any beach right after a heavy rain. Runoff following a heavy rain may result in a high bacteria level.

The Florida Department of Environmental Protection has a beach flag program to alert beach goers of surf conditions. Also, to check conditions before you head out, go to visitbeaches.org/ for updated information on specific beaches.

GreatFlorida Insurance provides Floridians with boat insurance policies for various kinds of watercraft. For more information call us at 888-478-7801 or visit us online at www.greatflorida.com.

The post Let’s Go Swimming appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
6/19/2019

“Several popular food items have been recalled over the past month,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent health insurance agency.

The following are a list of the food products to check.

The Sprouts Farmers Market grocery chain is recalling conventional and organic frozen spinach manufactured by National Frozen Foods. Food Safety News reports the recalled bags were shipped to retailers in 19 states including Florida. A random sample tested positive for Listeria. The contaminated bags have a, “Use By Date” of 12/3/21.

The U.S. Food and Drug Administration (FDA) released a public health alert, warning consumers that several frozen berry products manufactured by Townsend Farms Inc. were found contaminated with Hepatitis A. Among the products in question are frozen berries from Kroger and Costco.

  • Kroger: Private Selection Frozen Triple Berry Medley, 16 and 48 oz. and Private Selection Blackberries 16 oz.
  • Costco: Kirkland Signature Brand Three Berry Blend

“Bakers beware of an ongoing flour recall,” warns Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent health insurance agency.

Three flour brands including Pillsbury, King Arthur and ALDI have been recalled after the FDA discovered an ongoing E. coli outbreak tied to Archer Daniels Midland Co. Seventeen reported cases of the Shiga toxin-producing E. coli infections have been reported with three hospitalizations, according to the Centers for Disease Control and Prevention (CDC).

  • Pillsbury Best Bread Flour 5-pound bag
  • King Arthur Unbleached All Purpose Flour 5-pound bag
  • ALDI Baker’s Corner All Purpose Flour 5-pound bag

Ragu recalls three flavors of pasta sauce. The company that makes it, Mizkan America Inc. reports they may contain plastic fragments. The products in question are listed below.

  • Ragu Chunky Tomato Garlic & Onion, 45 & 66 oz.
  • Ragu Old World Style Traditional, 66 oz.
  • Ragu Old World Style Meat, 66 oz.

If you are in possession of any of the following tainted food items, click on the links in the article for more detailed information. You can also return them to the store for a refund and toss them out immediately.

GreatFlorida Insurance wants to keep you safe by keeping you informed. We offer dependable health insurance options through Florida Blue, Blue Cross Blue Shield of Florida. Give us a call today.

The post Check Your Food Pantry and Freezer appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
6/12/2019

Lightning is wreaking havoc in Florida. In the past week, lightning struck and killed two giraffes at the Lion County Safari in Loxahatchee. As if that was not unusual enough, a motorcyclist was struck and killed on his bike, while driving on I-95, in Volusia County.

“Lightning is such a common occurrence in Florida we often dismiss its dangers” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent motorcycle insurance agency.

Motorcyclist are especially vulnerable to lightning strikes because they lack the protection of a car’s metal shell, reports The National Lightning Safety Council, John Jensenius. It is a common misconception that the rubber on the tires of the bike will keep you safe.

Jensenius was also quick to debunk another myth, that a motorcyclist can outrun lightning, if you are traveling fast enough you cannot be struck. However, lightning travels too quickly to be outrun by humans.

The Weather Channel reports the motorcyclist who died in Florida is the 12th person killed in a motorcycle-related lighting death in the U.S. since 2006.

Lightning kills and injures more people in Florida than any other state. The Red Cross reports, more people are killed every year by lightning strikes, than tornadoes and hurricanes. Thunderstorms produce lightning along with damaging winds and heavy rain that can cause flooding.

The National Oceanic and Atmospheric Administration (NOAA) estimates, 25 million cloud-to-ground lightning flashes in the U. S. every year. Lightning can strike more than 10 miles from where it is raining. If you hear thunder, lightning is close enough to pose a threat.

All thunderstorms produce lightning. Lightning strikes cause horrific injuries. Being struck can cause burns, serious lifelong pain and permanent neurological disabilities, as well as cardiac arrest and death.

“Every year claims for lightning losses total in the hundreds of millions, reports Buck with GreatFlorida Insurance, Florida’s top independent motorcycle insurance agency.

Some safety tips to heed during a thunderstorm are listed below.

When thunder roars, go indoors. There is no safe place outside during a thunderstorm. If you are in the water, get out immediately. Avoid open structures such as gazebos, porches and baseball dugouts.

Lightning tends to strike the tallest object in the area and you do not want that to be you. If you are caught in an open area, such as a golf course or ball field, the Centers for Disease Control and Prevention (CDC) recommends you crouch down into a ball position, with your feet and knees together with your head tucked and your hands over your ears. The idea is to get low without touching the ground. Lightning causes electric currents along the top of the ground that can be deadly from over 100 feet away.

If you are in a group spread out from one another to reduce the number of injuries if lighting strikes the ground.

Wait to go outside for 30 minutes after you hear the last thunderclap.

Someone who is struck does not carry and electrical charge and requires medical attention immediately.

Don’t let a storm rob you. GreatFlorida Insurance provides top notch motorcycle insurance to fit your budget. Give us a call today.

The post Lightning Striking Again appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
6/4/2019

The National Flood Insurance Program (NFIP), has received another extension until the end of September. This gives lawmakers more time to work on a bi-partisan deal on how to reform the program which is billions of dollars in debt. The NFIP provides flood insurance to more than 5 million policy holders across the country.

“While the solution is temporary, we are glad to see the NFIP extension in place with hurricane season upon us,” says Ellsworth Buck, Vice President of GreatFlorida Insurance.

The extension is part of a $19.1 billion disaster aid bill, with $1.5 billion going toward the rebuilding of Tyndall Air Force Base, after hurricane Michael. Plus, millions will go to Florida farmers for agriculture recovery in the state. The package also includes $900 million to Puerto Rico for hurricane recovery efforts.

Since its formation in 1968, the NFIP had covered its losses. However, damages from hurricanes Katrina, Rita and Wilma have overwhelmed the fund, forcing Congress to cover billions in payments to those with insured properties.

Frustration is growing from lawmakers and outside groups, at the lack of progress toward a more viable solution. “After eleven short-term extensions, communities and residents at risk deserve certainty and stability,” says SmarterSafer.org, a national group that favors risk-priced flood insurance.

Solutions for reform include, increasing flood insurance rates, more resilient home construction along the coast, improved residential building codes, better flood maps and more coverage from the private insurance market.

“We would really like to see lawmakers come up with a sustainable long-term extension or reform for the program,” says Buck with GreatFlorida Insurance.

Lawmakers have until September 30 of this year to come up with an agreement or they will have to pass another short-term extension of the National Flood Insurance Program.

GreatFlorida Insurance provides flood insurance through the National Flood Insurance Policy. Visit us online today.

The post Extension on flood insurance program appeared first on The GreatFlorida Insurance Blog.