There’s always more time for boating in Florida!

One of the great things about Florida is that the end of summer comes much later than in much of the United States. Floridians have the privilege of being able to enjoy summer-like weather long into the fall. So even when August and September arrive, there’s still plenty of time for boating in Florida. If you haven’t had the chance to take your boat out on the water yet this year, there are a few things you should do before your first boat trip to make sure your boat is ready.

Make needed repairs

To keep your boat safe and legal, have an inspection by a reputable, certified boat dealer or mechanic prior to your first trip on the water. The inspection will help identify problems or areas in need of repair. Getting these repairs done before you get on the water will keep you and your passengers safe, and prevent them from becoming major problems.

Double-check where you can go boating

Where you can boat and how many passengers you can have is dependent on what type of boat you have, including its size and engine size. Sometimes regulations change with weather, land erosion, and other factors. Before you take your boat out on the water, make sure you check that it is legal.

Get your paperwork in order

Since a boat is a vehicle, it requires insurance to protect you, your passengers, and the boat itself. Before you take your boat out on the water, it’s important to make sure that your boat has the proper insurance for its use.

For more information about your boating insurance needs, contact your local Blanchard Insurance agent today.

Protect Your Retirement and College Savings with Umbrella Insurance

You’ve worked hard for your entire life and now you’ve finally achieved a comfortable standard of living in the Longwood, Florida area with a nice nest egg growing in the bank.  The kids’ education fund is healthy and even the retirement savings account looks to be able to support you in your golden years. 

What would happen to all of this wealth if a catastrophic accident occurred for which you are liable?  While your homeowner’s or auto insurance policies provide for basic medical bills and limited liability in common fender bender incidents, they won’t stand up to a lawsuit demanding high payments.  In this instance, you would be asked to use your personal wealth to meet the demands of the court.

Coverage When Others Fail

Umbrella insurance sold through Blanchard Insurance can protect your assets in these instances.  Umbrella insurance is an inexpensive addition to your current insurance coverage designed specifically to fill in the gap when medical and living expenses for a covered claim rise above the maximum limits of other policies.  Your children would still be able to attend school and your future would not be threatened by unexpected demands.

Anticipating the Unthinkable

Typical insurance policies are designed to protect an individual from what is likely to happen sometime in their life.  Just about everyone will be involved in a car accident with minor injuries.  Most homeowers will have their roof damaged by hail or ice.  Umbrella insurance protects the individual from the unanticipated disaster or harm to an extravagantly priced property.  Severe injury or damage to a high-end sports car won’t happen to everyone, but if it happens to you the umbrella has got you covered.

Blanchard Insurance independent insurance agents from the Longwood, FL area are ready to discuss your umbrella insurance needs today.