Life Insurance Changes to Make When Having a Baby

The one consistent aspect of life is that things are always in flux. We’ve got to expect change as we go through each season– from teenage years, to advanced education or full-time work, and then on to marriage and family. Altamonte Springs, FL residents know and expect this change, as their city has changed many times since it was founded 100 years ago.

Once you’ve decided to expand your family, change is already on the way. Infants coo and squirm in delightful ways, warming your heart and reminding you of what a miracle it is to beget the next generation.

But a growing family requires a change in more than one area. Consider your existing life insurance policy. You may have a certain payout amount listed in the event of your untimely demise. However, you may wish to increase this amount with the newest addition to your family.

After all, your little one may hope to attend a college, university, or trade school. You may want to create a fund to help them get started in life. Family expansions are a great time to consider altering your life insurance policy to ensure your entire family is taken care of, if the worst should happen.

Consider acquiring a policy for both parents. Whether one parent plans to stay home or both will continue to work, it’s important to take steps to protect the child’s interests no matter what could happen.

None of us likes to consider the need for life insurance, but the best way to take care of your loved ones is to expect the unexpected and take action before anything unfortunate occurs. Blanchard Insurance agents in Altamonte Springs, FL want to talk with you about life insurance as your family size increases. Make sure you can cover your child’s education and living expenses for years to come.

Contact Blanchard Insurance today to talk about your growing family and your life insurance policy needs.

Understanding What Commercial Insurance Covers

Building a new business takes time, patience, and a lot of investment.  Every day you get working on building your business because you know the value of the product or service that you offer to the community.  As your business grows, protect it with commercial insurance.  The team at Blanchard Insurance works with business owners in the Altamonte Springs, FL area to get the coverage that they need.  We work closely with our clients to understand their business’ needs so that we can recommend to best products to protect them. 

Commercial policies are unique in that they are not one set policy.  They are actually several policies tied together.  This lets a business tailor their coverage to meet their needs.  Liability coverage goes into effect if someone is injured at the business or by their products.  Any buildings a company owns are protected with property insurance.  This also covers any materials or inventory inside the building.  For injured workers, there is coverage from worker’s compensation.  Additional available coverage includes commercial auto insurance and professional liability coverage.  Some owners opt for business continuity insurance that protects following a disaster when they are unable to operate their business. 

The team at Blanchard Insurance works with business owners of the Altamonte Springs, FL area to provide the best insurance options available.  We strive to help you make smart choices for your business’ protection. You’ve worked hard to build your business. Let us help you protect it. Visit our website for general information but then come in a talk with one of our agents to get coverage designed for your business. Don’t wait until the unthinkable happens. Explore the best options in commercial insurance to protect your business. Contact us today to get the coverage that your business needs!

Will Home Insurance Cover A Tool Shed?

Home insurance can cover a tool shed, but it doesn’t need to. When you call Blanchard Insurance to insure your Altamonte Springs, FL, be clear about what you want to insure and what you don’t.

Other structures on your home that you might want to consider covering or excluding would be:

  • Dog houses
  • Carports
  • Freestanding garages
  • Guest homes
  • Trailers
  • Playhouses and treehouses

The question to consider: If a tree falls on it, are you going to make a claim? If the answer is no, then it might not be worth paying the extra in premiums to get it covered. Some examples, like guest homes, are no-brainers. Of course you want to protect a guest home or a free-standing garage. But a dog house that cost you fifty dollars in lumber and an hour in labor, maybe not.

The only thing your home insurance really needs to cover is your home. You don’t even need to cover all of your possessions if you don’t want to. It comes down to what you’re willing to cover yourself should something happen, and what you’ll need a little help with. That’s why we generally make sure that our TVs and appliances and jewelry are covered on our home insurance, but we’re not so worried about that ten dollar pair of slippers or the twelve dollar bathrobe we got from Wal-Mart.

If you’re looking to get your Altamonte Springs, FL home covered with a good insurance policy, give Blanchard Insurance a call and see what they can do for you. You don’t have to cover every tool shed and dog house on your property, but you do want to cover your home and your most valuable possessions.

When is basic auto insurance just not enough?

If you are a resident of Florida or are visiting the state and plan to drive, you are required by law to have at the very least the minimum amount of liability insurance required by Florida law. You must have at least $10,000 in bodily injury coverage per person with a maximum of $20,000 per accident. You also must have $10,000 in property damage coverage. Failure to have at least these minimum amounts can result in the suspension of your driver’s license or registration and you may be required to pay a $500 reinstatement fee. Our experienced agents at Blanchard Insurance in Altamonte Springs, FL can help you to make sure that you have enough insurance protection. 

The simple answer to the question when is basic auto insurance just not enough is if you own anything or have a car that you rely on. Basic auto insurance protects other people in an accident with you but it is very basic. What if they run up $30,000 in hospital bills, where does that leave you? What about if their car is worth more than $10,000? In both of these scenarios, you would have to foot the bill personally. You can be sued for the damages putting your assets in danger.  And what about your car? If you have basic auto insurance, your policy is not going to repair or replace your vehicle. If you are like most people you need your car to get to work and to just get around. 

At Blanchard Insurance in Altamonte Springs, FL we have more than 20 years of experience providing our clients with personal service. We offer the highest quality insurance carriers available to give our customers the level of protection that they need and deserve. To discuss your auto insurance needs with a member of our team give us a call or stop by our office. 

Will Auto Insurance Cover the Upgrades to My Vehicle?

When it comes to owning a vehicle in Altamonte Springs, FL, there are a number of ways that you can personalize it to your tastes. Some owners may want to add flames to the side of their sports car to make it that much edgier on the road. Some people may take out the standard stereo system and install a much more expensive version. So the question becomes, will insurance cover these upgrades if they’re damaged in an accident? Blanchard Insurance is here to give you some information, so you’re not caught unawares. 

Your Policy Is Based on Your Make and Model 

The insurance policy is based on the value of the vehicle that you drive. If you don’t let your insurance company know that you’ve made several changes and alterations to the vehicle, then those upgrades will be considered outside your policy. If you tell your carrier that you drive a standard Toyota, then your policy will be designed to cover only the standard equipment that comes with the original model. 

The Importance of Being Upfront  

For some policyholders, it’s easy to take their chances. Maybe the paint job was done by a friend, and the owner feels no need to update their policy. But for others, they invest a lot of time and energy to make their vehicle exactly what they want it to be, only to feel blindsided when it’s damaged in an accident. 

Whether it’s because owners didn’t consider it or you didn’t want their premium to increase, not everyone has their upgrades covered. However, if you’re in Altamonte Springs, FL and you don’t want to be left high and dry, call Blanchard Insurance to discuss how the right policy can cover more than just the standard model.

Mobile Home Insurance is a Specific Type of Policy

Mobile homes are popular housing options, but a lot of people who plan to buy them don’t realize that they need a special kind of insurance policy. Since they’re not the same as a site-built house, there are policy specifications that must be met to cover them the right way. But you don’t have to worry about wading through confusing insurance options for your new place. At Blanchard Insurance we can help you find a mobile home insurance policy that works for your Altamonte Springs, FL area location and the kind of mobile home you want to buy. We’re here to answer your questions and locate the best policy for your needs.

While many mobile homes today look almost identical to a home that was built on-site, the reality is that the construction is different and the home’s ability to handle specific events (such as windstorms) may be affected. Today’s mobile homes are safe, high-quality options, though, and can have insurance policies that are very similar to standard homeowner’s options. Just be sure to let your agent know that you’re insuring a mobile home because the way the policy is created and underwritten will be different. You want to be sure you have the proper coverage, to protect you in case of an accident or other problem.

By contacting us today at Blanchard Insurance, you can get the mobile home insurance policy that’s right for you and covers you correctly. We serve clients all throughout the Altamonte Springs, FL area, and you can give us a call or stop by to get the help you need. We’ll be happy to answer any questions you have, whether you’re thinking about buying a mobile home or you have one that needs a policy renewal. Don’t hesitate to let us help.

Why Do I Need Classic Car Insurance?

Classic cars aren’t your conventional cars. They have a higher value for different reasons. How will you treat an animal if you find out that it is the last of its kind? You’ll treat it like a king, right? This applies to classic cars too. They are not available in commercial numbers. All classic cars are only one of their kinds.

A classic car is a showpiece anytime. This category of cars is often taken to rallies and car shows. Virtually all classic cars are made of older spare parts that are not available in the market. So, if any part packs up, it may be impossible to replace it.

Also, people hire classic cars for events, like a wedding or photoshoots. So, these are why classic cars are of higher value than conventional cars. They require special insurance. Classic car insurance comes in different categories, and they have been outlined below.

Classic Car Insurance

This insurance is for cars that were manufactured about 19 to 24 years ago. Apart from the fact that their contemporaries do not exist anymore, these cars are usually one of the best models among their contemporaries. According to The Classic Car Club of America, a classic car is any car manufactured between 1925 and 1948, and still fully operational.

Antique Car Insurance

This insurance is for antique cars. Automobile companies define an antique car as a car that is at least 25 years and still in good working condition. On the other hand, the Antique Automobile Club of America defines an antique car as the one that is at least 45 years old and still in good working condition.

Modified Car Insurance

This insurance is for cars whose design and structure have been modified for certain advantages. Can you remember how Dom Toretto and his gang used to modify the engine of their cars for speed and stability in Fast & Furious movie series? Those are examples of modified cars. The modifications turn the cars into classic cars. 

For more information on classic car insurance, contact Blanchard Insurance in Altamonte Springs, FL. 

What does recreational insurance cover?

What does recreational insurance cover? 

Many residents in the Altamonte Springs, FL area, who own campers, ATVs, and other off-road vehicles, make the mistake of not insuring their recreational vehicles with a separate policy because they assume the coverage is provided under their homeowners’ insurance policy. However, recreational vehicles are unique and, as a result, require unique insurance coverage. The agents at Blanchard Insurance are happy to assist you with putting together a custom recreational insurance policy. 

Liability Coverage 

A recreational insurance policy will help cover third party medical bills and damages as a result of an accident in which you were at fault. Similarly to auto insurance, the state requires you to carry a minimum amount of liability coverage for your RV. Liability coverage will also cover third party property damage caused by your RV. 

Collision coverage 

Collision coverage will help pay for you to repair or replace your RV in the event you are in an accident. Collision coverage is vital if your RV is brand new and expensive. If it is older and not costly to replace, you may not need this coverage. 

Comprehensive coverage 

Comprehensive coverage will help repair or replace your RV in the event it is damaged outside an accident. Incidents for coverage under this policy include fire, theft, and vandalism. 

Add on Coverages 

There are a few additional coverages you can speak with your agent about adding to your policy for extra protection. 

Medical payments

In the event you are in an accident, and your health insurance coverage is not enough, medical payment coverage will help make sure your medical bills are paid. 

Coverage for valuables 

Since many people spend more time in their campers, you likely have additional valuables such as electronics that you may not have in your regular car. Additional coverage to protect you in the event your valuables are damaged or stolen is available. 

If you would like to learn more about insuring your recreational vehicle, reach out to an agent at Blanchard Insurance today. We proudly serve the Altamonte Springs, FL area.

When is it necessary to get RV insurance in Florida?

Those that are in the Altamonte Springs, FL area and want to be able to see all that the state and rest of the country have to offer should consider investing in an RV. Having an RV is a great investment as it will allow you to drive in a comfortable vehicle while always having a convenient and affordable place to sleep. If you do get RV insurance, there are several situations when having insurance on it will be a necessity.

When you Drive on a Public Road

While you do not have to have insurance just to own the RV, if you want to take it out on the road you are going to need to have insurance. All drivers in Florida need to have liability insurance for their vehicles, no matter what type of vehicle it is. RV insurance will include liability insurance that allows you to comply with this law.

If you have a Loan

Additionally, if you took out a loan when you want to buy an RV, you should also get RV insurance. The lender will need you to carry a full policy with comprehensive and collision coverage. This way, the lender will know that their collateral for the loan is fully covered at all times. 

If you own an RV in the Altamonte Springs, FL area, it is practically always a necessity for you to have insurance for it. When you are looking for your next RV insurance policy, you should call the team at Blanchard Insurance. Choosing the right form of insurance for your RV can be complicated and Blanchard Insurance can help to make it much easier. They will be able to review your individual situation and get you into a policy that works. 

Do I need motorcycle insurance in Altamonte Springs, FL?

Riding a motorcycle is a popular pastime in the Sunshine State. Warm weather and flat roads are a great combination and pair that with Daytona Beach Bike Week and it explains why there are more than 570,000 registered motorcycles in the state of Florida. As an owner do you need motorcycle insurance in Altamonte Springs, FL? Requirements for insurance in Florida are a little different than in most other states and stopping by to talk to Blanchard Insurance will help to clarify the laws for you. 

In Florida the requirements for vehicles with four wheels and two wheels are different. While four-wheel vehicles are required to carry liability insurance, motorcycle drivers are not. However, they are required to be able to show proof of financial responsibility.  The helmet law in Florida also has some requirements. Riders under the age of 21 are required to wear a helmet and if you are over 21 and choose not to wear a helmet, you must carry a minimum of $10,000 medical insurance coverage. 

Just because you aren’t required to carry motorcycle insurance, doesn’t mean that it is a good idea to drive without it. Florida has one of the highest fatality rates for motorcycle riders in the country. Elderly drivers and crowded roads are not a good combination. Your motorcycle is a major investment and protecting it and yourself is in your best interest. Being able to repair or replace your baby is very important and protecting yourself from the results of an accident both medical and financial is vital to your peace of mind. 

If you are planning to drive a motorcycle in Florida, it is a good idea to stop by or give a call to the experienced staff at Blanchard Insurance. They can give you a no-obligation quote and valuable information on how best to protect yourself.