If you have a boat that has a motor, or even some personal watercraft, you should purchase boat insurance to help protect you from losses due to covered events such as collisions and fire. If you are in the market for boat insurance, you may have questions about the types of damage that a standard policy may cover.

Collision

If you are in a collision, whether it be your fault or another person’s fault, your boat insurance will cover the damages to either boat if you carry collision and liability. If you cover liability only, you stand to incur heavy or complete losses to your vessel. There may be specific insurance requirements in place, but it is important to remember to cover yourself as well as the other party to prevent loss to your investment.

Engine

Some insurance policies will also cover damage to the engine of your boat under certain circumstances. If you have expensive engines on board your boat, you may want to look into getting this type of coverage so you are fully protected during a covered event.

Comprehensive

Comprehensive can help you recover from damages due to the weather and other incidents that occur on the water. This type of coverage is also highly recommended to fully protect your boat. This is especially important for boat owners who have invested a large sum of money into their vessel. If you live in or around Altamonte Springs, FL, Blanchard Insurance can help you get the coverage you need.

Don’t risk losing your boat to unforeseeable events. Get the complete coverage you need so you can have peace of mind and enjoy the open water. For more information for residents in or around Altamonte Springs, FL, Blanchard Insurance is ready to give you the answers you need. Call or stop by today to speak to one of our experienced agents.

Flooding is a very serious matter and for some, it can take away their entire home and the value of all their belongings. It is for this reason that if you do live in an area where flooding is common, you have some form of insurance protection to help make sure you can recover from flooding. For those that live in the Altamonte Springs, FL area, the agents with Blanchard Insurance can help you find the condo policy that works best for you.

Condo insurance is much like home insurance in that it helps to protect the condo itself as well as the items and objects inside of it. It works to protect these items from events of nature like fire and storms as well as from theft and vandalism. This type of policy is going to be essential to protect your investment and to help you make sure that no matter what, your property is safe as well as your property within the condo itself.

Also much like home insurance, condo insurance does not typically cover flooding unless it is specifically written into the policy when it is first drafted. This is because not all locations are prone to flooding and it would be a waste to raise premiums and add it to every policy. Since your condo policy is likely not going to cover flooding, you may want to take the time to add extra coverage to your existing policy or to take out a separate flood policy that is specifically for your condo.

For those that live in the Altamonte Springs, FL area, where flooding is more common, the agents with Blanchard Insurance can help create a policy that is specific to your needs and that can help protect your condo from anything that may happen.

One of the best ways that you can spend a warm sunny day during the summer is out on a lake or other body of water in your own boat.  While having a boat can be a lot of fun, they are also a big responsibility.  For those that are in the Altamonte Springs, FL area and have a boat, making sure that it is properly covered by insurance is very important.  There are several reasons why it would be a good idea for someone from Altamonte Springs, FL to get boat insurance from a reputable insurance provider, such as the Blanchard Insurance.

Protects Your Property

One of the main reasons why you should get a boat insurance policy is that it will protect your property. When you have a boat, there is a lot of chances for it to be damaged.  Whether it is from an accident in open water or an incident in the marina, boat accidents are somewhat common.  Also, since they are unattended for long periods of time, they are also at risk for vandalism and theft.  Because of this, making sure that you have a boat insurance policy in place is very important as it will protect your asset.

Liability Protection

Another advantage of boat insurance is that it will provide you with great liability protection. Operating a boat can be risky and you could be found liable if someone in the water or on your boat is injured due to your negligence.  Boat liability insurance will provide you with coverage for this.

When you do meet with the Blanchard Insurance you will receive a lot of support to help you get the right insurance in place for your boat.  They will carefully review your personal situation and help you to choose a policy that works right for you and provides you with the right amount of coverage.

Blanchard Insurance offers residents who live in Altamonte Springs, FL a wide variety of auto insurance policies to choose from. If you own a classic car, you will want to make sure you have the insurance you need whether you drive it on a daily basis or store it for show purposes only. To be considered a “classic”, your car must meet specific criteria to be eligible.

When Is Your Car A Classic?

Florida, your car may be considered a “classic” if it is at least 30 years old and qualifies for an antique plate through the Florida Department of Motor Vehicles. Because this is a specialty plate, if the car is ever damaged or destroyed, the plate must be immediately returned to the DMV. In most states, the classics include first-gen Camaros, Mustangs, Chargers, and Corvettes, but can also include collector vehicles, street rods, and custom hot rods.

Show Car or Daily Driver

The way you use your classic car will also have an impact on how it is insured. If you drive it regularly, you will have to carry the state minimum when it comes to Florida’s mandatory requirements. If your car is for show only, you won’t have to carry mandatory coverage, but you will want to insure it for its total value.

In Altamonte Springs, FL, Blanchard Insurance helps classic car enthusiasts who live in the area maintain the insurance coverage they need to protect their vehicle from theft or loss. If you have questions concerning classic car insurance, the agents encourage you to call their office and make an appointment. The agents can evaluate your existing auto insurance policy and determine what you need to add to cover your classic vehicle.

Altamonte Springs, FL a place that many people refer to as a vacation spot but if you are a resident of the area, it is much more to you. If you own a home, you may be wondering what you need to have in place in terms of insurance policies. In this state, you are not required to have a home insurance policy in place  by law but you may want to still consider getting one from Blanchard Insurance so you can be well protected.

The fact of the matter is that you never know what may happen and when you live by the water, you have the added worry of hurricanes and tropical storms. It is always best to have a home insurance policy to better take care of your home in case you have damage from a storm like this or even from something else like a burglary or a fire. A home is your biggest investment, at least for most people, so it only makes sense that you would want to have a policy in place to protect it as well as your finances if anything were to happen.

It is also important to keep in mind that while you are not required to have a home insurance policy by law if you have a mortgage, you may still be required to have one in place by the mortgage company. If you would like to take a look at some insurance policies or even want to look at your current policy, be sure to reach out to us here at Blanchard Insurance, serving Altamonte Springs, FL, today. We can make sure you are properly covered and even get you a quote for a new policy that meets your needs and budget.

If you have a classic car, then you undoubtedly want to protect it to your best your ability. In fact, there is already a good chance that you take very good care of this car by having it stored in a garage where it is away from harsh weather elements. Another way to protect it is by investing in classic car insurance. For now, let’s take a quick look at two reasons to invest in this type of insurance and how it can add protection to this type of asset.

You Never Know What Could Happen

Most classic cars are not driven on a daily basis. In fact, if you have a classic car that you drive on a daily basis, then you very well may need to insure it with an actual auto policy. Your insurance agent will be able to tell you which type of policy is best. For those of you who do not drive your classic car on a daily basis, then you likely already understand that in doing so you deter much of the risk of the car being involved in an accident. Still yet, you never know what could happen. The one day that you decide to get your classic car out of the garage and take it for a spin could be the day that you end up in an accident. This is why it is so important to have insurance on your classic car.

Your Homeowner’s Policy Might Not Cover It

What happens if you have your classic car stored in your garage and your home catches on fire? Will your homeowner’s policy cover it? Probably not. This is why you need to invest in a policy that is specially designed to protect your classic car.

To learn more about the benefits of classic car insurance, please contact Blanchard Insurance serving the Altamonte Springs, FL area.