Florida’s Current Flood Insurance Situation in Today’s Political Climate

It’s no secret that the maps of Florida’s flood zones and storm zones are complicated. Nor have they been made any less complicated by FEMA and recent disaster. Hurricane Katrina brought about a 20% increase in flood insurance nationwide. Meanwhile, all flood and storm zones were scrutinized carefully while FEMA put together the next amendments and debt forgiveness that covered over 5 million homes with the National Flood Insurance Program (NFIP) in 1968. 

What Does Flood Insurance Have to Do with NFIP?

NFIP was a big deal in November. If the bill that Rubio, Kennedy, and Menendez didn’t pass, NFIP would have run out of funding. In November, Trump extended the period to May 31, 2018. At this point, we will re-examine the Senate’s proposal.

Essentially NFIP and its amendments made it so that Special Flood Hazard Areas must be insured. Here are a few examples of the types of insurance that this program requires depending on the zone that you may be in:

  • Mandatory flood insurance on flood-prone homes in order to secure mortgages,
  • Claims have caps on the types of losses for the property owner,
  • More likely to find homes in flood-prone areas as rentals due to increased risks and costs associated with living on a storm or flood prone area.

Homeowners Flood Insurance in the Altamonte Springs FL Area

These are just some examples that make it necessary if you own a home in Altamonte Springs, FL area that you stay in touch with Blanchard Insurance. We can always go back over your policy with you and make sure that you are covered fully. 

Give our Blanchard Insurance office in the Altamonte Springs, FL area a call or come visit our website and stay in contact!

Is Mobile Home Insurance Required?

For those thinking about buying a manufactured home, also referred to as a mobile home, in the Altamonte Springs FL area, you may be curious about the insurance you need.  Mobile home insurance is a particular type of homeowner’s policy.  These policies are designed to cover the specific risks that can come with a manufactured home because these homes are built with lighter materials and transported to a location where they are most often tied down with ground anchors to create stability.  The risks come with this type of strapped down-home versus a home built on a concrete foundation.    

Mobile Home Insurance

In Altamonte Springs, FL, you will want to work with an agent that understands the specifics for mobile home insurance.  If your home is financed through a bank or mortgage company, more often than not, you’ll be required to carry a policy to cover the banks’ and your investment.  The home itself will be needed to be installed properly on a permanent foundation that passes a foundation inspection. 

As a homeowner, it’s in your best interest to carry homeowner’s insurance to help repair possible damages, replace assets in the home, help protect you from potential liability claims, or cover the loss of the house if necessary.  Mobile home insurance can be tricky, and you don’t want to end up with out of pocket expenses that could have been avoided. 

Blanchard Insurance

The Blanchard Insurance agents have been helping homeowners with their home insurance needs for over 20 years.  Contact a Blanchard agent today.  We can sit down with you and take the time to answer all of your questions and help assess your unique situation.  This way, we can give you the best options for your mobile home insurance to protect your investment.

Making the Most of Classic Car Ownership

Restoring and owning classic cars can be a fulfilling hobby. It can also get expensive. Since classic car owners put a lot of money, time and love into their restorations, they want to make sure that these prized possessions are protected. Classic car insurance is one way you can protect your investment. 

What is Classic Car Insurance?

Classic car insurance is a special category of insurance reserved for antique and classic restored cars. Because these cars have a value which is not based solely on the market value of the car itself, it is imperative that they have special insurance coverage.

What is the Definition of a Classic/Antique Car?

In most cases, a car is considered a classic if it is 10-24 years old and has been restored to its original state. In most cases, these cars are not used full time and in all cases, these cars must be stored under specific conditions. An antique car would be a car 25 years or older, also restored to the original state, with limited use, stored under specific conditions. 

How Are Classic Cars Insured?

Classic cars are insured for what is called an agreed amount. This amount has nothing to do with the car’s market value, but rather this is an amount that the owner and the insurance agency decide upon based on the restoration that has taken place and the value of the car in a collectible context.  In most cases, an insurance policy for a classic car will be highly dependant upon the owner adhering to certain protective measures for the car. These measures are put in place to make sure the car is not put at unnecessary risk. 

If you would like to learn more about classic car insurance, please contact our friendly staff at Blanchard Insurance in Altamonte Springs, FL. 

Thinking Of Buying A Camper? Here’s Why You Need Recreational Insurance

If you have an RV, travel trailer, or camper, you don’t need the hassle of booking flights, renting a car, or reserving a hotel room. When you have an RV, Camper, or travel trailer, you can just pack, lock up your Altamonte Springs, FL home and get on the road to your dream destination! Lucky for you, Blanchard Insurance offers affordable, specialized RV, camper or travel trailer insurance to help protect you and your belongings. 

What Kind Of Recreational Vehicle Insurance Do I Need? 

Depending on what type of RV, camper, or travel trailer you have, your insurance requirements will vary. However, even if you aren’t required to carry insurance (some non-motorized trailers don’t require it), it is wise to protect you and your belongings with coverage. RV insurance is available for: 

  • Conventional travel trailers 
  • Fifth-wheels 
  • Towable trailers 
  • Expandable travel trailers  
  • Truck campers and folding camper trailers 

Here are the types of RV insurance you should consider. 

Total Loss Replacement – If your RV is totaled within the first four years, this will provide you with a new, comparably-equipped RV.  For the fifth through seventh years, the settlement is the original documented purchase price or actual cash value at the time of loss, whichever is higher. After the seventh year, the settlement is typically on the actual cash value.  

Vacation Liability – This covers property damage or bodily injury damage or losses that occur at your vacation site. Typically, with comprehensive and collision coverage,  

Replacement Cost Personal Effects – This pays to replace your personal belongings in your camper that result from a covered loss.  

Emergency Expense Coverage – This will pay for expenses such as hotels and transportation due to a covered loss.  

Recreational Vehicle Medical Payments Coverage – pays the cost for necessary medical treatment that is caused in an RV accident, regardless of fault. 

Blanchard Insurance covers motorized recreational vehicles, motorhomes, van campers, mini motorhomes, towable campers, and sports utility recreational vehicles. For more information about the specific insurance coverage, you need for your RV, give the Altamonte Springs, FL insurance experts a call today.

What Can RV Insurance Cover?

RV insurance – much like auto insurance – covers many of the risks that are common to traveling on the open road including collision, liability, non-accident-related damage, and more. Many RV insurance packages will also include coverage for your personal belongings, equipment, and accessories in and on the RV itself. You may also have access to additional coverage options including total replacement, campsite and vacation, emergency expenses, towing and roadside assistance, special coverage if your RV is your full-time residence and uninsured and underinsured motorists coverage. Naturally, this will all depend on whether or not you are with Blanchard Insurance, how far you are from Altamonte Springs, FL, and which package you choose.

How It Works

By design, a Blanchard Insurance policy is there to protect you – the owner – from excessive financial stress in the event of an accident, loss, or damage. It can also provide you with some assistance and compensation in the case of a roadside breakdown that you have repaired on your own.
To more specifically illustrate how this all might work, let’s consider some common troubles you can experience while on the road with your vehicle. Assuming you’re near Altamonte Springs, FL, your RV insurance could cover you in these situations:

If your policy covers uninsured/underinsured motorists and you are involved in an accident with such a driver who is deemed at fault, your insurance will cover your damages since you can’t make a claim against the other motorist’s insurance. The specific amount covered will depend on the amount of damage and policy specifics such as deductible amount and limits set on the policy.

If your policy includes liability coverage and you are involved in an accident for which you are deemed at fault, your insurance company will compensate the other motorists involved up to the liability limits on your specific policy. However, you will be on the hook to pay any costs beyond those limits. This could include the costs of damages, injuries, court fees or judgments.

If you have towing coverage or roadside assistance, your insurance company can reimburse you for costs associated with towing your vehicle after being disabled in an accident.

Comprehensive coverage can cover all sorts of things beyond accidents while on the road. If your insurance policy includes comprehensive coverage, your insurance company can cover anything from animal damage, hail damage, or even total loss in the case of a flood or theft. This is still all subject to your deductible and limits you selected when purchasing your policy.

How to Stay Safe on Your New Motorcycle

Motorcycle ownership can be a great and exciting part of your life. Many people dream for years of owning a motorcycle, but when the happy day finally arrives you will want to make sure that your motorcycle experience is as safe as possible. Here are a few tips to help make sure that you stay safe on your new motorcycle.

Take Motorcycle Safety Class

Driving a motorcycle is very different than driving a car. For this reason, motorcycle driving and safety courses are offered. It is a wise investment in both time and money to go ahead and enroll in one of these classes. This way you can make the most of your time on your bike without huge risk factors. 

Always Wear A Helmet

Even if you live or are traveling in an area that does not require full head protection, you should always go the extra mile and protect your self with a full helmet. Even a minor motorcycle accident can cause serious head trauma if you are not fully protected. 

Be Aware of Driving Conditions

You should carefully evaluate driving conditions before driving your motorcycle. If driving conditions are less than ideal, and you have another option for transportation, it is usually a good idea to save the bike for another day. You should also never drive too tired or impaired in any other way. 

Don’t Take Risks

Motorcycles have a strange way of changing people’s attitudes. Do not fall victim to this when it comes to risk-taking. Your motorcycle can be a source of joy and pride for many years to come, but only if you make safe, wise decisions today. 

If you would like to speak to someone about motorcycle safety and insurance for your new motorcycle, contact our friendly staff at Blanchard Insurance at Altamonte Springs, FL

How Boat Insurance Protects Your Beautiful Vessel From Vandal Damage

Living in Altamonte Springs, FL is a great option for people who love boating. Unfortunately, your beautiful vessel may end up being vandalized by somebody who is either jealous of your property or simply mean-spirited. Therefore, you should contact Blanchard Insurance to learn more about how boat insurance can help you against vandals.

Why Do People Vandalize Boats?

Vandals very rarely have good reasons for their destructive behavior. Some are simply bored individuals who are thoughtless about the property of others. Some vandals are so-called artists who think that painting their name or other items on a boat is an expression of their artistic skills.

More serious vandalization issues, such as breaking parts of the boat for no reason, may also be a problem. Some people are jealous of the success of others and lash out in any way that they can. Whatever the cause, a vandalized boat is a heartbreaking situation.

Will Insurance Cover Vandals?

When your boat is vandalized by somebody else – including paint damage and other physical destruction – your boat insurance will typically kick in and help you repair the damage. Most policies will cover up to the limits of your policy, which is typically based on a yearly amount.

However, some lower-quality policies may have exclusions on vandalization that you need to take into account before buying a policy. Look through the limitations to see what the policy won’t cover and then ask your provider for one that will cover the vandalized property. Thankfully, most should provide this coverage without requiring a special request from you.

Protect Your Financial Investment

As you can see, boat insurance is a good choice for any Altamonte Springs, FL residents who are concerned about vandals damaging their boat. So please contact us at Blanchard Insurance to talk to one of our agents. We can help you find an insurance policy that will protect you from losing serious cash if somebody damages your boat.

Protect Your Personal Possessions and Add an Inventory to Your Condo Insurance Policy

If you lost your Altamonte Springs, FL condo and everything inside, what exactly will your current condo insurance replace? While your policy does include replacing personal possessions, it may not pay you enough to replace some of your more significant belongings. The agents at Blanchard Insurance would like you to sit down with us and review your policy to make sure you are sufficiently protected from fire and theft.

Most Condo Insurance Comes with Replacement Value for Personal Possessions

Your typical policy will replace lost personal belongings at their replacement value–which means their current value, not what you paid for them. While that will likely take care of replacing pots, pans, and basic clothing requirements, it may not take care of your more unique items.

What Does It Really Cost to Replace Fine Art, Collectibles, or Jewelry?

For those customers who make a habit of adding fine art to their walls, you do realize that the price of the canvas is subject to change. Your grandmother’s pearls are priceless to you, but not necessarily to an adjuster. Perhaps your spouse collects autographs. The signed hat, old pearls, and framed print could be valued far below their purchase price.

Add an Inventory with Assessed Value to be Fully Compensated

When you consult with your insurance agent at Blanchard Insurance to create an inventory, you agree on how much you will be paid if you lose your itemized valuables.  You may need to have different pieces appraised or document purchase prices using receipts. However, in the end, you will end up feeling like your hard work and investments are not just money down the drain.

If you have more questions about condo insurance in the Altamonte Springs, FL area, give us a call and our friendly and knowledgeable agents will be happy to help.

How does flood insurance work?

Floods are frequent in some states in the U.S, and Florida is not exceptional. This is so because of the characteristic nature of Florida’s weather patterns, geography, and proximity to both inland and coastal waters. This often puts the state at risk for floods including the surrounding areas. Homeowners in Florida should take a flood insurance cover if they own any structure in high-risk flood areas. This insurance is also known as under the ground cover or water traveling along.  

How the policy works 

Even though renters and homeowners insurance doesn’t cover floods including surges, you can purchase a flood policy separately from private insurers like Altamonte Springs, FL based Blanchard Insurance or the National Flood Insurance Program (NFIP).  Just like in any state, the NFIP aims to reduce the demand of the state of Florida on federal disaster assistance for uninsured flood losses. Also, it helps enforce building codes, retain and restore wetlands to absorb floodwaters and encourage homeowners to live flood-wary.  

Policy sign up 

Signing up for the plan is a requisite when taking a mortgage loan if your property is located in the flood-prone zone. Besides, the policy is a reasonable consideration for residents living in lowly elevated grounds or places with high exposure to storms. While shopping for a flood insurance cover, you are likely to come across different private insurers who apply different rates. 

Would you like an insurer to help you underwrite a flood insurance policy? Altamonte Springs, FL based Blanchard Insurance agents will ensure you have all the support you need. Call us today we will partner together and mitigate the effects of any such future flood risks. 


Can I get one umbrella policy that protects me in several areas?

Most people in Altamonte Springs, FL probably don’t get an umbrella insurance policy because they don’t think they need it. When you purchase standard auto, life, renter or property insurance through Blanchard Insurance, you only consider your direct needs.

However, an umbrella policy can protect you if you are ever the subject of a large liability lawsuit. Because the policy limits can be much higher, umbrella policies offer greater overall protection. They can also offer wider protection, like a real umbrella sheltering its holder.

Some Examples of What May Be Covered 

Whether you own a home or an automobile, you can have an umbrella policy which will limit your liability in case of an excessive judgment. One example is if you are liable for an accident where the other vehicle’s value exceeded your policy limits. Another example is if someone at your home falls or is bitten by a dog. An umbrella policy will effectively raise your rates to help meet the judgments. 

An umbrella policy will also protect you as a landlord if someone is hurt using your property. It can even cover your damages if you are sued for libel or slander. One of the best and most important parts of having an umbrella policy is that it will also cover the legal fees necessary to defend yourself in a lawsuit.

How Does It Work? 

The basic principle of an umbrella policy is that it will start offering you protection once you reach the limits on your other policies. So you need to start with a basic policy and then add this extra coverage. 

If you are wondering if an umbrella policy can help you in Altamonte Springs, FL, call Blanchard Insurance for free advice and a quote.