Now is the Time to Review Your Mobile Home Insurance and Hurricane Coverage

Hurricane season is a stressful time of year for all Floridians, especially those who live in mobile homes. If you are in the Altamonte Springs, FL area, the experienced agents at Blanchard Insurance are here to help you make sure that you are ready for this year’s round of hurricanes! Mobile homes in Florida can require additional coverage depending on their exact location, and it is important to have all of your policies and protections in place before a storm hits. If you are buying a new or pre-owned mobile home, or you just want to make sure that your current policy provides adequate protection, it is time to meet with your local Blanchard Insurance agent.

It is Important to Update Your Insurance Coverage on a Regular Basis

Whether you live in a conventional home or one that is manufactured, having insurance protection in place prior to hurricane season is a smart decision. Your home can be more susceptible to damage and destruction. Knowing that you are protected if the worst case scenario were to occur, can provide you with valuable peace of mind! As your mobile home ages, you will want to adjust your coverage amount to reflect current replacement values in the event that the home is destroyed in a hurricane. Additional coverage for hurricane and flood damage is often recommended for clients in Florida.

Call Us Today to Schedule a Policy Review of Your Mobile Home Insurance

If you are in the process of buying a mobile home or you want to make sure that your current policy provides adequate coverage, contact Blanchard Insurance today. We are proud to serve the Altamonte Springs, FL area and our agents look forward to working with you!

What Does Manufactured Home Insurance Cover?

Manufactured home insurance, or mobile home insurance, in Altamonte Springs, FL isn’t much different than regular home insurance in terms of what is covered. It’s important to protect your mobile home with insurance, whether you live there full time or only during certain seasons.

Structure and Contents

If your manufactured home is damaged due to fire, hail, theft, or vandalism, the cost to repair or replace the home is covered by your insurance. Additional structures, such as a patio or garage, and the belongings in your home are also covered. Belongings can include furniture, bicycles, and more. These items will also be protected when outside the home. Be sure to check with an agent to see what types of perils are covered, so you know if your home is protected from potential damage. While flooding is likely to not be covered, certain water leaks may be covered. If a pipe suddenly bursts because it was frozen, it may be covered, but if a pipe breaks due to poor maintenance, it won’t be covered.


Manufactured home insurance contains liability coverage to protect you if you or someone in the household is found liable for damage to someone else’s property, or if a guest is injured at the home. This insurance will pay for medical expenses for people injured at the home, but won’t pay for your own medical expenses if you fall down the stairs.

There are other additional coverage options, should you want them, which you can discuss with your agent at Blanchard Insurance. For example, you can get trip collision coverage that will help insure your home as it is being transported from the factory to its location. You can also get extended coverage for some of your belongings, including jewelry, watches, and furs. If you have a satellite dish on your home, you can get insurance that pays for the loss to the satellite dish and other systems.

Contact Blanchard Insurance serving Altamonte Springs, FL for a quote on manufactured home insurance.

Does Wedding Insurance Cover The Cost Of Renting The Venue?

A wedding can be a monumental undertaking that involves a variety of costs and planning. It only makes sense to buy insurance to cover you from unforeseen events that can lead to financial losses. If the wedding is held at a house, the homeowner’s insurance may cover the event, but if there is a rented venue, wedding insurance can cover certain events that may cause a cancelation or postponement.

Wedding Insurance Coverage

Wedding insurance is designed to cover unforeseen circumstances that may impact a wedding such as weather or the host venue canceling the event without your consent. Each policy is different so it is important to understand exactly what the policy covers. If there are special circumstances, you may be able to include a rider to cover other costs or potential risks. Most insurance won’t cover cold feet or a change of heart.

Finding Wedding Insurance Coverage

Wedding insurance is a non-traditional insurance product, so you may need to do some searching to find a provider who will offer you the wedding coverage you need. A great company that serves the residents in and around the Altamonte Springs, FL are is Blanchard Insurance. They provide quality wedding insurance products and have knowledgeable agents who can explain the policy details and help you purchase the coverage you need to fit your individual needs.

If you live in or around the Altamonte Springs, FL area and are searching for quality wedding insurance coverage, call or stop by the offices of Blanchard Insurance. They will give you the information you need to make sensible insurance decisions that give you protection from covered events.

When Can You Claim Your Recreational Insurance?

If you, or your business own recreational equipment in Altamonte Springs, FL, you should consider getting recreational insurance quotes from Blanchard Insurance in addition to your specialized insurance coverage options. It protects you and your recreational equipment in case of insured risks. In order to make your claim hassle-free, take records of your equipment before and after damage. Photo documentation is more reliable. If there are any witnesses, take their reports to make your statement more believable.

When to File A Claim For Recreational Insurance

  • In Case Of Liability Claims

If your equipment hurts other people or damages their property, you may be legally liable. You may claim your recreational insurance. It helps you to pay for their medical costs and the cost of repairing or replacing their property. It may also cover your legal expenses if they choose to sue you. Businesses that provide recreational products or services can claim their recreational insurance if their products or services cause harm to third parties or their property.

  • In Case Of Property Lose

Your recreational equipment probably cost you a lot of time. If you lose it or it is damaged by insured risks, you can claim your recreational insurance. It compensates you for the cost of repairing or replacing your property. The coverage depends on the type of recreational equipment, its cost, and the risks involved.

  • In Case of Accidental Injuries

If your business holds recreational activities there is a chance that someone may get injured. If that happens, you can claim your recreational accident medical insurance to help pay for dental injuries, medical expenses, and death benefits. The insurance policy complements the liability policy of your business.

Contact Blanchard Insurance in Altamonte Springs, FL at 407-788-8640 to discuss your new quote for recreational insurance.

What Type Of Damages Does Boat Insurance Cover?

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.


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.


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 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.

Does Condo Insurance Cover Flood?

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.

Should I Get Boat Insurance?

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.

What are the Requirements for a Car to be Considered a Classic?

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.

Are You Required to Have Home Insurance?

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.

2 Reasons to Invest In Classic Car Insurance

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.