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. 

Is It Too Late to Buy Life Insurance?

At Blanchard Insurance, the agents are always looking out for the clients in Altamonte Springs, FL, especially when it comes to life insurance. It’s important to know just how much coverage you need. Even if you are passed the age of 65, there are life insurance policies that can benefit you and your family in the long run. Knowing what types of policies are available to you will help you make a wise decision.

How Late Is Too Late?

Even if you’re in your 60’s and 70’s, there are some shorter term life insurance policies you may qualify for. Permanent life policies are also available if you meet other requirements. No matter how old you are, it’s important to take into consideration what will happen to your family if you pass away without some type of policy that will help them pay your final expenses. If you already have your final expenses covered, then the proceeds from your policy can be used to clear away debt or pay off your mortgage.

There Are Always Benefits

Having an insurance policy in place will always allow for some type of benefit. If you are in your 50’s and sign up for a term life insurance policy that is due to mature in 20 years, you will have that much available to you when you retire. Aside from paying for your final expenses, your life insurance proceeds can be used for a variety of things. You can choose to cash the policy out or simply let it stay where it is and gain interest.

The residents of Altamonte Springs, FL can call Blanchard Insurance any time they have questions or concerns about their life insurance. Call today to get the answers you need!

Does Commercial Insurance Cover Independent Contractors?

The new “gig economy” has grown the numbers of independent contractors in Altamonte Springs, FL and all across the country since the Great Recession. While some industries have addressed the question of insurance coverage for contractors, others may need to take a second look at the potential insurance needs for themselves and their workers. Accidents and injuries can happen in any industry and profession. Whether you need insurance for your independent contractors (or whether you need insurance as an independent contractor) depends on the type of work involved and the amount of risk you are comfortable taking. 

Businesses and Independent Contractors: Why You Should Get Insurance  

If your independent contractor has no insurance, you could be held liable for their sub-par, code-violating work, accidents, or illegal conduct. Most of the time it is appropriate for both the independent contractor and the business to carry general liability insurance. This will help you, no matter which side of the fence you are coming from, in the event that you face a lawsuit. Independent contractors have the same liabilities as any other business.

General Liability Insurance 

GL insurance protects you in the event of injuries, equipment breakage, and property damage on the job site. It protects both the independent contractor and the business contracting with them.  

Errors and Omissions Insurance 

This insurance covers overlooked items and professional mistakes and is crucial in professional industries such as software development, law, medicine, and engineering. It generally protects you against claims for legal expenses in the event a lawsuit is brought regarding unacceptable work or work not performed, including: 

  • Professional mistakes 
  • Failure to deliver promised goods 
  • Professional negligence 

Commercial Auto Coverage 

If your independent contractor drives on your behalf as part of a contractual project or job, you may be held liable in the event of an accident or collision. Commercial automobile coverage from Blanchard Insurance will protect both you and your independent contractor while they provide driving services in the course of their work.

Do I Need Auto Insurance?

If you own a car, you already know that there are many important rules and regulations that need to be followed for those that are in the Altamone Springs, FL area, one very important requirement to remember to follow is the requirement to carry auto insurance. There are several situations that can dictate whether you need insurance and what type of coverage you must have.

You Plan to Drive Legally

If you ever plan on taking your car out on the road in Florida, you will be required by law to carry auto insurance. Compared to other states, Florida’s insurance requirements typically have lower coverage requirements. To drive a car legally in this state, you will need to have $10,000 in personal property liability coverage and $10,000 in personal injury liability coverage. Both of these types of insurance will give you coverage if you are at fault during a car crash or other situation. 

You Have a Loan

Another situation in which you will need to have auto insurance is if you have a loan. Since cars can be expensive, many people need to take out loans in order to finance the purchase. When you have a loan, you do need to follow various requirements. For example, you will need to have a full collision and comprehensive policy in place. If you don’t, you will be in violation of the loan agreement.

Since having auto insurance in Altamonte Springs, FL is a necessity, meeting with the Blanchard Insurance company would be very beneficial. The Blanchard Insurance company will be able to provide you with a variety of services to ensure you are able to get into a great policy. This will include helping you to better understand your insurance needs and finding a great policy that works for you.