How will mobile home insurance protect me?

Owning a mobile home can be a great housing option. When you own a mobile home, you will have the advantage of owning your own asset and property while not necessarily having to live in the same place all of the time. For those that are in the Altamonte Springs, FL area, having proper insurance in place at all times is important. A mobile home insurance policy can protect you in a number of different ways. 

Gives Liability Protection

One of the reasons why you should get a mobile home insurance policy is because it will give you liability insurance protection. As a mobile homeowner, you will be taking on risk as soon as someone enters your property. If there is any kind of accident, you could be found liable. Additionally, you will be required to have some form of liability insurance if you keep your mobile home in a public or shared location. 

Protects the Home

Buying a mobile home is a big investment and one that you need to protect as much as possible. A great way that you can do this is through a mobile home insurance policy. This type of insurance will give you insurance protection if your property is damaged by a fire, bad weather, or any other issue that causes damage and a financial loss. 

If you want to get a mobile home in the Altamonte Springs, FL area, you should speak with Blanchard Insurance as soon as you can. The team at Blanchard Insurance can help you to understand all of your options when it comes to insuring your mobile home. This will help you to pick a policy that properly protects your assets and protects you from certain forms of liability. 

Classic Cars and Ownership in Altamonte Springs, FL

There are many reasons why people choose to own a classic car. Experienced professionals in the industry understand the importance of valuations and maintenance for classics.  They also know the owners enjoy having classics for car shows, occasional driving or for other types of events. All of these reasons are helping to improve the opportunities for owning classic cars. Additionally, the overall availability of classics seems to be on the rise as more people are searching for that vehicle they love.  Serving Altamonte Springs, FL, Blanchard Insurance has experience working with owners and understands the importance of valuations. 

The industry has enjoyed several positive changes over the last five years and some people located around the world are dedicated to the opportunity of owning or restoring classics. Classic car insurance is offered in much nicer ways now and many owners know this. Locating aftermarket replacement parts is much simpler now along with the options for finding stock parts for original classics.  Services for restorations are improving and some owners are choosing a customized look for their classics. Historical interest is another fascinating part of knowing more about the classic cars of many eras. With the improved availability of parts and services, many owners also have personal reasons to restore classics. 

Many owners of classic know there must have been efforts to keep the car intact and valuable. Good ownership is another impressive reason for the industries’ successes.  Owners in Altamonte Springs, FL can enjoy opportunities for events to support classic car enthusiasts.  Blanchard Insurance is available to answer your questions and their experience with classic cars is impressive. Contact them for an insurance quote for any new or existing coverages. Hobbyists and professionals can all enjoy the support for such important industries.



What Recreational Equipment Should I Insure?

Whether they’re taking a ride in Bone Valley or camping out in Ocala National Forest. Altamonte Springs, FL residents like to get out and explore. We see a lot of outgoing folks at Blanchard Insurance. Some of the most common questions we get asked are about insurance for off-road and recreational vehicles. If you’re wondering about what recreational equipment you can insure, this post is for you!


If you own an all-terrain vehicle (ATV), dirt bike, or off-road buggy you should consider insuring it. These toys can take quite a beating, but they’re still susceptible to accidents! Riding with others is fun, but also poses certain risks when it comes to liability. If you accidentally damage another person’s ATV or recreational off-highway vehicle (ROV), or your actions lead to another person’s physical injury, you could be financially responsible for the damages. Things can get wild out there, insurance can offer relief when things go awry.

On The Water

There are many water sports playgrounds all around Altamonte Springs, FL. Whether you like to hit the waves in a sports boat or jet ski or enjoy a relaxing day fishing on your out-board or pontoon boat, insurance can cover your assets in the event of an accident. 

Hauling Your Toys

With so many vehicles to get you on the move, you’ll need a way to move your vehicles! Toy haulers and trailers can be insured too. By insuring your hauling equipment you’ll be protected whether you’re driving down the highway or lugging it down the camping trail.

These are just some of the reasons to insure your favorite recreational equipment. If you would like more information about recreational insurance in Florida to reach out to Blanchard Insurance today!

Myths about Motorcycle Insurance

Motorcycle insurance is required in Altamonte Springs, FL, but there are a few misconceptions about this type of insurance.

Myth 1: You can cancel motorcycle insurance in the winter to save money.

If you cancel your motorcycle insurance then it’s possible that your registration can be suspended. It can also cost more to get a new policy when you want to ride again because of the lapse in coverage. Homeowners insurance will not cover damage to motorcycles, so if your bike gets damaged while in storage, you also won’t have any protection.

Myth 2: You just needed the minimum required insurance.

Motorcycles can cause a lot of damage. If an accident was your fault, you will be responsible for the cost of the damage so it’s best to have as much insurance as you can afford in order to stay protected. Speak with an agent at Blanchard Insurance to make sure you have the right coverage for your needs.

Myth 3: If you don’t make a claim after an accident, premiums won’t increase.

If your insurance company discovers you were in an accident, it can raise rates. Remember, the other person in an accident may make a claim to your insurance company.

Myth 4: Auto insurance will cover motorcycles.

Motorcycles will be excluded from most policies in Altamonte Springs, FL. While the liability requirements for motorcycles and autos can be the same, you are required to have a separate policy.

Myth 5: Driving record has nothing to do with motorcycle insurance.

When you are shopping for insurance for your bike, you will have to disclose any violations or accidents you have had in past years. A person’s driving behavior is usually consistent, whether it’s on a motorcycle or in a car.

Contact an agent Blanchard Insurance to get a free quote on motorcycle insurance. 

Is RV Insurance Mandatory In Altamonte Springs?

When you invest in an RV in Altamonte Springs, FL, it’s important to look at how you’re going to protect it. Buying RV insurance makes a lot of sense. Knowing whether it’s mandatory or not will depend on the type of RV that you have. At Blanchard Insurance, we can help you with the policy that you need.

Exploring Your RV

There are a number of different recreational vehicles that are on the market. What you have will determine whether the state of Florida requires you to have a policy or not.

If you have a motorhome, meaning that it has its own engine and you drive it, the RV needs to have insurance. It’s similar to having liability insurance as you would with any other vehicle.

If you have a camper or a pop-up, meaning that it’s towed by another vehicle, you are not required by the state to have an insurance policy on it.

Buying Coverage

It’s important that you look at RV insurance coverage regardless of whether it’s mandatory or not. You have made quite the investment in your RV and you want to protect it financially. In the event that there’s a theft, an accident, vandalism, or something else, you’ll want to file a claim with the insurance company.

When you have the right insurance policy, you can relax when something happens. You can file a claim and be responsible solely for the deductible. As for deciding on the right policy, an insurance agent can help you with all of the details. It makes it easier to buy a policy with confidence knowing that it will offer financial protection.

Contact us at Blanchard Insurance today to learn more about buying RV insurance in Altamonte Springs, FL. We can answer questions and help you to get an affordable premium. 

Why Condo Owners in Altamonte Springs, FL Should Invest In A Personal Condo Insurance Policy

You have recently purchased a condo and see that you have a master insurance policy with your building Homeowners Association. Further review of that policy shows that the interior portion of your condo is not covered, only the external structure, the hallways, and the community areas such as the pool and clubhouse are included. In order to protect your personal property, you should invest in a personal condo insurance policy from Blanchard Insurance. 

Interior Structure Damage

Should the interior area of your condo suffer structural damage due to burst water pipes, your personal contents such as appliances, clothing, and furniture may not be covered with the Homeowners Insurance policy. However, a personal condo policy will give you the coverage you need to make repairs or replace what was damaged. 


Have you fallen victim to a theft? If your condo is broken into and your property is stolen or damaged, the master insurance policy will not be able to assist you with replacing them. This can be quite a financial burden for those who do not have the funds available to replace damaged or stolen items. With a personal condo insurance policy, the contents that are housed within your condo are protected in the event of a theft. 

Protect Your Condo Today

Have peace of mind knowing that you have a level of security when you purchase a personal condo insurance policy from Blanchard Insurance. We understand how beneficial a condo policy can be for our clients living in or around the Altamonte Springs, FL area. Give us a call or come by our office today. One of our agents is ready to sit with you and develop a policy to fit your condo needs.

Comprehensive boat insurance can protect you from both theft and collision

Summer in Florida is the perfect time to get out on the water, and what better way to do that in your family’s boat? Owning a boat offers a lot of opportunities to make lasting family memories, and it is also a lot of responsibility. Now is a perfect time to make sure that your boat policy provides the coverage that you need today. The team at Blanchard Insurance is here to help you navigate the process for protecting your Altamonte Springs, FL boat.

Protect yourself and your boat from both theft and collision loss

Boat insurance can be tricky to get right, and it makes sense to review your policy with a professional agent to make sure that it provides the necessary coverage at the right level. When you opt for comprehensive boat insurance coverage, you are taking an important step to protect your craft from loss due to either theft or collision. Primary boat policies may not offer the protection you need, and it makes sense to review all of the options available. Comprehensive coverage is a smart way to protect your boat from multiple situations. If you have a negative occurrence with your boat, the last thing you want to find out is that your boat policy does not cover the loss! Don’t let this happen to you, take the extra time now to review your policy and upgrade it where necessary. Don’t wait until you go to file a claim to find out that you’re not covered. 

Is it time to review your boat insurance policy for completeness? Contact the team at Blanchard Insurance today to set up a consultation. We are here to meet the insurance needs of the greater Altamonte Springs, FL community. 

How to stay flood smart for 2019

Are you living in a flood-zone area or are not sure whether the area is flood-zone or not? Blanchard Insurance is here to help you check this critical detail. If you are also looking to purchase a home, you may want to check this to ensure that you buy a home in a flood free area. Remember, floods are not covered in a home insurance policy. Therefore you need to be flood smart.

What is flood smart

This is an invaluable government resource offered on behalf of the Federal Emergency Management Agency (FEMA) to fully see to it that people get flood insurance they require. This may come in the form of post-disaster relief or preventative services. Keep in mind that floods are not only in Altamonte Springs, FL, but can run across any state or even all the 50 states. Floods are therefore a communal disaster that everyone should pay attention to.

Some pointers to help you start on the right foot

It is crucial to ensure that you are fully ‘Flood Smart’–ready for the disaster in case it occurs in your area. This can only be made possible by finding out your flood threat level, finding all the potential consequences and taking preventative measures. 

Other steps to take

Various insurance companies, as well as the floods department, can help you assess your area and determine how threatening the situation could get. You can also look for private insurance providers who offer flood insurance and purchase the policy. Flood insurance can be quite useful as it takes effect one month after purchase. Therefore, the sooner you buy, the safer you are.

Blanchard Insurance–serving Altamonte Springs, FL

Visit Blanchard Insurance today for more information on floods or any other insurance need and let us help you stay safe and covered.

3 Tips for Buying Umbrella Insurance in Altamonte Springs, FL

Umbrella insurance provides added protection for your assets. It’s the type of insurance you hope you won’t ever have to use, but you’ll be grateful you have it in the event that something happens which your current policy does not cover. For example, an accident that results in an injury involving a neighbor could occur on your property, leaving you open to a lawsuit. However, with umbrella insurance, you’ll be covered. If you’ve decided you’d like to add umbrella insurance to the existing policies you have in Altamonte Springs, FL, here are three solid tips you can follow to find the right policy at an affordable price.

1. Compare Several Quotes

It’s important to look over a variety of umbrella insurance quotes before making a decision. You’ll want to be sure of exactly what is covered, what is not covered, and what you’re paying for the coverage. A trusted agent from Blanchard Insurance can help you do this. 

2. Bundle Your Insurance Policies

Insurance companies love to reward you for your business. For this reason, you can expect to save money on your premiums when you bundle your insurance policies under one company. Consider adding your umbrella insurance with your existing insurance provider or you can find a new insurance carrier to switch all your policies under.

3. Work with a Reputable Agent

One of the most important factors for purchasing a new umbrella insurance policy is to work with a reputable agent serving the Altamonte Springs, FL area. A trusted agent will help you compare quotes, bundle your policies, and get you the best policy at the best price.

To learn more, contact Blanchard Insurance today. One of our friendly agents will help you get maximum coverage with an umbrella insurance policy.

Why Do I Need Life Insurance?

LIfe insurance has the ability to create immediate peace of mind on many levels. You may be a parent with young children to consider or you may be the caretaker of an adult with a disability. Regardless of the exact details of your particular situation, if anyone depends on you for money and other essential factors, you could benefit from life insurance.  Plus, life insurance also has the ability to put cash in the hands of the people that matter the most, immediately after death. There is no waiting or red tape. This money can help to immediately pay a funeral debt, income or estate taxes, and many other unavoidable expenses. Life insurance can help your loved ones maintain their existing lifestyle in the event of your death. Blanchard Insurance serves Altamonte Springs, FL and is committed to helping people take care of their families and obligations.

Parents with Children

If you have young children, there can be quite a bit of anxiety around what would happen to them in the event of your untimely death. How would their food, clothing, and housing be paid for? WHere would they live? The questions can be countless. However, one thing is for sure, even though you may have an adult loved one who would be willing to care for them they’sd need money to do it properly. Life insurance can be the solution to the anxiety that comes from worrying about the financial piece to the puzzle in the event of your death. Keep in mind that The proceeds of a life insurance policy are not subject to probate. The beneficiaries of the policy have access to the proceeds quickly and without red tape. LIfe insurance proceeds are not included in the probate estate unless the estate is listed as the beneficiary instead of a person or people. 

Business Needs

LIfe insurance can be beneficial to you if you are a business owner as well. It will take money for your inheritors to continue in your footsteps. This means that it will take cash to continue to maintain and run your business. However, even if none of your inheritors will run your business, it will still take money to take care of any estate taxes and to keep the business running until it’s sold. Plus, If you are one of several co-owners, life insurance proceeds can be used to buy out co-owners’ interests. 

LIfe insurance can be extremely helpful if you have dependents that depend on you for their well being. It can also be beneficial if you have other obligations that would create stress or debt if you were to pass away. This is one of the many reasons why business owners can benefit from having a life insurance policy as well. Take into consideration the people you would leave behind as well as any business obligations you might have. Both would be well served by a life insurance policy.