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Renters Insurance Quotes in Pensacola, FL

Steve Barry, Agent

850-475-0702

6224 North 9th Avenue
Pensacola, FL  32504
Fax : 850-475-8968

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Renters Insurance PensacolaRenter's Insurance

You do not have to own your property for it to be considered your home in Pensacola. It is often your possessions that are more treasured than the house, especially when renting.

While the landlord may have home insurance covering the structure, your personal belongings are not covered unless you have a renter’s insurance policy in place.

GreatFlorida Insurance has budget friendly renter’s coverage to protect against damage or theft of your small appliances, electronics, computer and entertainment equipment, clothes, shoes, jewelry, furniture, bikes and just about anything else you own.

Renter’s insurance is not only created for your possessions but, can offer protection if someone is injured at your rental property as well as  provide living expenses if your rental is damaged and you need to find temporary housing.

GreatFlorida Insurance can cover your rental property whether you live in a condominium, apartment, townhouse or home in Pensacola. Safeguard your personal effects with renter’s insurance today.

Protect What's Yours with Renter's Insurance

Whether you own or rent your home, the fact remains that you want to protect your belongings and your family from life's unfortunate events.

While most people have heard of homeowners insurance, many renters don't know that there are special policies just for them called renters insurance.

Contact a GreatFlorida Renter's Insurance Agent in Pensacola to get more information on a renters insurance policies and to get your free renters insurance quote.

Call 850-475-0702 or take a few minutes to complete our online quote request form.

Why should I get a renters insurance policy?

Even though you may be living in a home that is protected by someone else's homeowners insurance policy, you want to be sure that your personal belongings and liabilities are covered.

If an accident, natural disaster or other unfortunate incident occurs, a renters insurance policy will make it easier to get back on your feet.

How do deductibles work with renters insurance?

Just like with other policies, a deductible is the amount that you agree to pay before your insurance policy begins to pay. However, it is important to note that this applies to personal property claims and not to liability claims.

Additionally, hurricane deductibles are applied differently since storms can cause damage multiple times in one year. Your GreatFlorida Insurance Agent in Pensacola can provide you with additional information on how deductibles work.

What personal items does a renters policy cover?

Renters insurance policies are designed to keep your assets safe. Take a look around your home. You probably have more personal property in your home than you initially realize.

Do you have?

  • Kitchen appliances and supplies
  • Electronics
  • Clothes
  • Shoes
  • Jewelry
  • Purses
  • Furniture
  • Entertainment systems

Protect items such as these with a superb renters insurance policy from GreatFlorida Insurance. Get your quote by calling 850-475-0702.

How about protection against personal liability?

When someone is hurt at your home, it may be as much your liability as it is the landlord's liability.

Not having proper coverage in place can be a costly mistake. Renters insurance will give you the protection you need whether you need to cover attorneys' fees or pay for the medical bills of those injured on your property.

Protection at home and away from home.

Damages and personal liability can by incurred whether you're home or away from home. For instance, if you accidentally set something on fire because of a faulty appliance or lapse in judgment, a good renters insurance policy can help you recover from those damages.

On the other hand, if your home catches on fire, suffers from water damage as a result of an action of your neighbor or building management, or is broken into, a renters insurance policy will be your best asset.

In these instances your policy will cover damaged items as well as pay part of your living expenses should you be forced out of your home due to the damage.

Renters insurance covers your belongings from natural disasters.

Florida is the Sunshine State. Our tropical climate draws visitors from around the world. However, it also leaves us susceptible to severe storms, floods, hurricanes, tornados, etc.

When you rent your home, you are not responsible for damage to the structure, but guess who is responsible for your personal belongings. You are.

The destruction of your home and personal belongings can be devastating. Give yourself and your family the best chance for a second start with proper renters insurance coverage.

You'll also ensure that you'll have financial support to pay for living expenses if you are forced out of your home.

Payment plans available.

Renters insurance can fit most any budget. You have the option of paying for the entire year upfront or paying a deposit followed by quarterly payments. Get more information when you contact a GreatFlorida Insurance Agent.

Get started by making a list and checking it twice.

How can you get started? Before calling GreatFlorida Insurance take inventory of your belongings. From furniture to appliances to electronics to clothes to shoes to clothing to jewelry, these costs can really add up.

Once you have an idea of the total value of your belongings, a GreatFlorida Insurance Agent in Pensacola will be able to put together the best possible renters insurance quote for you.

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Call 850-475-0702
Florida Renters  Insurance Blog
by GreatFlorida Insurance
2/7/2018

“Cell phones are no longer just phones, but so much more,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

They store our calendars and photos, provide access to our favorite stores and emails. Checking our cell phones on a regular basis has become a habit for many. However, the lure of instant information is an unhealthy attachment and cell phone addiction is real.

A poll conducted by the non-profit, Common Sense Media found 50 percent of teens feel like they are addicted to their mobile devices, with 78 percent admitting to checking their devices at least hourly. Nevertheless, this is not only a teen problem. The study reports 27 percent of adults feel they are addicted to their mobile devices with 69 percent checking them at least hourly.

What is wrong with a cell phone habit?

Countless studies show too much time on your cell phone is bad for your focus and mental health. “Most people check their phone every 15 minutes or less, even if they have no alerts or notifications,” Larry Rosen a psychology professor and author of The Distracted Mind, tells CNBC. “We’ve built up this layer of anxiety surrounding our use of technology, that if we don’t check it as often as we think we should, we’re missing out.”

Additional health issues that can develop from cell phone addiction include, poor posture which affects your spine respiratory functions and even emotions. Also, sleep. The blue light emitted from your phone can stop melatonin production in your body. Melatonin is the hormone that makes us feel sleepy and regulates out circadian rhythm. Sleep is essential to our health, especially the health of teens who are still developing.

“Aside from health and mental health problems, cell phone use continues when many drivers get behind the wheel,” reminds Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent auto insurance agency.

Nearly half of adults in the U.S. admit to reading or sending a text while driving. Almost one in three teens ages 16 to 17-years-old said they have texted while driving.

How to ween yourself and your family?

Below are some tips on how to disconnect from your cell phone.

Do not sleep with your phone. If you need an alarm clock, buy one. Do not depend on your phone. Place it away from your nightstand or bed.

Stop alert notifications. Designate a time to check in and stick to it.

Utilize the “Do Not Disturb” setting on your iPhone or place your phone to the airplane setting for a break from screen time.

When spending time with your friends and family, put it away so you won’t see it or hear it.

Try a detox. Set aside a weekend or holiday where you turn the phone off and put it away. Do not pick it up for a couple of days.

The post Cell Phone Addiction appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
1/30/2018

Most people do not look forward to filing taxes, especially with a new tax law in place for the first time in decades. Those changes can induce confusion and stress. This will be the last year for several tax credits as well as the beginning to benefit from some new ones.

Several tax credits are eliminated for the 2018 tax year. However, they are still available for your 2017 tax return.  “This will be the last year to take advantage of some deductions, so it’s important not to miss out on them,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Investing information company, The Motley Fool, reports this will be the last year to take advantage of the following tax breaks.

Personal exemptions

Property tax deductions

Mortgage interest deduction on home equity loans

Moving expenses

Unreimbursed employee expenses

Tax preparation fees

Investment-related legal and accounting fees

Job search costs

While several tax breaks will expire after this year, there are new ones are available for this year’s returns. “This year is unique with overlapping changes, so make sure your taxes are filed correctly, to avoid overpaying the IRS,” warns Buck Vice President of GreatFlorida Insurance, Florida’s top independent homeowners insurance agency. Error rates for returns filed on paper are at 21 percent, while error rates for those filed electronically are less than one percent.

Some changes in tax deductions and credits are listed below.

Tax brackets expand. According to personal finance resource, GOBankingRates, “the federal income tax system uses a progressive tax structure, meaning that as you earn more income, your tax rate goes up as well.”

The Standard deduction, will experience a slight increase.

Health savings account– an increase to the contribution limit.

Earned income tax credit– the maximum income you can have while still qualifying for the EITC increased for each filing status. Also, you can have up to $3, 450 of investment income annually while still qualifying for the EITC.

Retirement savings credit-there is an increase in income limits.

Increased employer-paid parking or transit tax breaks

If you are looking for affordable and reliable homeowners insurance, give GreatFlorida Insurance a call.

The post Changes this tax season appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
12/28/2017

It’s hard to believe a new year is right around the corner. With each passing year, life brings changes. It is crucial to have an insurance policy that reflects your lifestyle and needs. Transitions throughout the year can dictate adjustments to your insurance. Insurance policies should be reviewed annually to guarantee you and your family has suitable coverage.

“Taking the time to review your policy and your coverage amounts prevents you from being over-insured or under-insured,” says Ellsworth Buck, Vice President of GreatFlorida Insurance. A review and chat with your insurance agent can help you determine if you are overpaying for insurance you do not need or under-insured, risking coming up short in the event of a disaster.

Homeowners Insurance Policy

CBS News reports 59 percent of homeowners in America are underinsured. As the real estate market fluctuates, it is important to know the updated value of your home. That is the starting point for determining the amount of homeowners insurance you desire. “A policy based on your mortgage may not cover the cost of rebuilding your home if disaster occurs,” reports Buck with GreatFlorida Insurance.

Most homeowners want a policy that will cover the costs of rebuilding their home with the current quality of materials or replacing their home of similar value. Without an annual update to your homeowners policy you could become a victim of depreciation and receive only a percentage of what it would cost to rebuild or replace your dwelling. Other factors that can change the price of your home include, adding a swimming pool, a home addition, electrical upgrades and renovations. These should be reflected in your homeowners insurance. Also, consider additional coverage for newly acquired electronics, jewelry or other costly belongings.

However, there are discounts available for homeowners. “Some home renovations can qualify you for a discount on your premium,” reminds Buck with GreatFlorida Insurance. These can include, an updated roof, the addition of hurricane shutters or impact windows, as well as modernizing the home’s electrical and plumbing. The installation of a monitored alarm system, smoke detectors, or the adding of deadbolt locks can also save you money. Furthermore, maintaining good credit could qualify you for an additional savings program with your insurer.

If life changes include divorce, make sure it is reflected on the homeowners policy. If not, you and your former spouse will both be liable for damages or injuries sustained on the property. In the unfortunate event of the death of a spouse, you might decide to add or reduce the amount of coverage on your homeowners policy.

Umbrella/Liability Insurance

Maybe 2017 brought additional prosperity and your assets have significantly increased. You might want to consider increasing the amount of your umbrella policy. Auto insurance and homeowners insurance only provide basic liability coverage. While an umbrella policy is not reserved for the wealthy, personal and financial obligations can also cause you to review and make changes to your policy. Financial website, Money Crashers points out, owning a swimming pool, dog or gun, can increase the risk of accidents that could lead to a lawsuit.

Auto Insurance Policy

If a driver on your  auto policy has increased traveling you might consider adding emergency roadside assistance to your policy. However, review for an overlap in auto insurance coverage. You do not need emergency roadside assistance coverage if you are a member of AAA.

If someone in your home has recently attended a driver’s education class or your vehicles have been accident free, most insurance companies will qualify you for a discount. Inquire about other new “good driver” programs your insurance company offers. A new car or teen driver could have you wanting to increase comprehensive and collision. However, Once you have paid your vehicle off you may want to consider dropping collision to save money.

Boat Insurance

Think about purchasing additional boat insurance if you have recently purchased fishing or diving equipment. Also, if you are towing your boat more often, make sure you have comprehensive and collision in case your boat is involved in an accident out of the water.

Talk to your GreatFlorida Insurance agent to see if you are a member of affiliations that qualify you for a discount. They can be through universities, firefighting or as a member of AARP.

 

The post Are you adequately insured? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
12/6/2017

November 30, marked the end of an extremely destructive, 2017 hurricane season. While totals are still being calculated, estimates currently put damages at $200 billion.

The Federal Emergency Management Agency (FEMA) reported to The Orlando Sentinel that 432,286 renters applied for aid in Florida during October. FEMA does not pay what is covered by insurance, however they try to help the uninsured and underinsured. Keep in mind, they do not cover all damages.

“Renters are less likely than homeowners to insure their belongings,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent renters insurance company.

Most landlords in Florida, do not require renters to carry insurance. The Insurance Information Institute found only 41 percent of renters said they had renters insurance.

“There is a misconception that the landlord is accountable for personal liability issues, but a landlord’s insurance often covers just the structure, not personal property or personal liability,” says Buck with GreatFlorida Insurance, Florida’s top independent renters insurance company.

Renters insurance offers protection for personal belongings that could be damaged by a fire, water issue or storm. It also includes reimbursement for items stolen from home or lost, as well as incidents that are the renters responsibility.

Also, renters insurance will pay out money to replace furniture, clothes, kitchen appliances, electronics, laptop, paddle board, jewelry and more.  You do not have to own a lot to justify a renter’s policy. It could be a specific item such as a bike, engagement ring, musical instrument or collection that is the motivation for coverage.

If an injury occurs in a rental property or even the rental property yard or driveway, the renter can be held responsible for the victim’s medical bills. A renters insurance policy can also provide money for temporary housing. If a rental property is damaged from fire or water, a renters policy will cover hotel expenses while repairs are made.

Renters insurance offers a lot of benefits for a small amount. The average renter’s policy ranges from $15 to $30 a month, offering peace of mind for the price of lunch.

Before purchasing renter’s coverage, inquire with your rental company or landlord to see what their policy will cover. Next, take inventory of your possessions and determine a level of protection that makes you feel comfortable. An experienced agent at GreatFlorida Insurance.  They can guide you through the process to make sure you purchase enough coverage to protect your belongings without paying for overlapping and unnecessary coverage. Give us a call today.

The post Hurricane exposes insurance gap appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
11/21/2017

Thanksgiving is about family, food and gratitude. It is a day of celebration and cheer. Plenty of time is spent in the kitchen laboring over family recipes or just heating up the goodies you picked-up from Publix. With all the chopping, basting, shredding and baking, hazards are abundant in the kitchen.

Federal agency, the U.S. Fire Administration (USFA), reports that kitchen fires double on Thanksgiving Day compared to any other day of the year. Nearly 2,000 kitchen fires occur on Thanksgiving with approximately $21 million dollars in property damage.

“It is easy to get focused on food preparation and overlook maintaining a safe environment in the kitchen,” said Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

In the Kitchen

Cooking is the primary source of kitchen fires and injuries in the home. Fortunately, most fires can be put out with quick action from a host or house guest. However, if a fire is difficult for you to control, immediately call 911.

Before getting started, make sure your oven, burners and stove are clean and free of grease and food build-up.

Unattended cooking is the number one cause of kitchen fires, stay by your pan.

To prevent spills and burns be sure to turn handles inward, toward the back of the stove.

Make the area in front of the stove a “no zone” for kids. Be sure to keep a clear path where hot liquids are traveling.

While cooking, wear short sleeves or roll up your sleeves. Clothing is easily ignited.

Keep kitchen clutter such as, pot holders, towels and food wrapping away from the stove.

Have a pan lid or cookie sheet nearby to cover a small stove fire.

If a fire occurs in the oven, turn off the heat and keep the oven door closed.

When cutting, always cut on a stable surface and never cut food in your hand. If a knife falls from your hand or the counter, do not attempt to catch it, step back and let it fall on the floor.

“Cooking a Thanksgiving meal is a big undertaking. Taking time to follow safety guidelines will provide you with a successful feast,” says Buck With GreatFlorida Insurance, Florida’s top independent homeowners insurance agency.

Food Safety

Salmonella and Campylobacter can really ruin the Thanksgiving festivities. Properly handling, preparing and cooking your food can prevent foodborne illnesses.

Wash your hands not your turkey. This is the best way to avoid spreading bacteria. The U.S. Department of Agriculture (USDA) reports 68 percent of consumers wash poultry in the sink. This can splash bacteria around your kitchen up to 3 feet away, contaminating surfaces and anything else in the area.

Use a food thermometer for your turkey. Cook it to at least 165 degrees.

Properly thaw your turkey. Allocate 24 hours per 5 pounds for defrosting in the refrigerator.

Make sure to wash all produce.

“Thanksgiving is an ideal time to express my gratitude to our phenomenal independent agents and their staff for all their hard work to make GreatFlorida Insurance a success. Also, a big thanks to all our customers. It is our honor and pleasure to serve you and your families,” Ellsworth Buck, Vice President of GreatFlorida Insurance.

The post Avoid a Thanksgiving disaster appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
9/6/2017

With Hurricane Irma’s path is still uncertain, preparations across Florida are underway. State officials are warning residents to prepare for the worst.

“Seeing the recent destruction caused by Hurricane Harvey, Floridians are taking this storm threat seriously, says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

What do you need?

For starters, assemble an emergency kit. Your emergency kit should contain at least the essentials. Consider making one to keep in your car and one at home. The Federal Emergency Management Agency, FEMA recommends:

  • Water-rule of thumb is one gallon per person per day for 3 days
  • Food-non-perishable items for at least 3 days for each person
  • A battery powered or hand crank radio
  • Flashlight with extra batteries
  • First aid kit
  • Multi-purpose tool, such as Swiss Army knife
  • Personal hygiene items
  • Plastic bag for trash
  • Map of your area
  • Medications
  • A copy of important documents- birth certificates, passport, insurance policies, etc.
  • Blanket
  • Emergency contact information
  • Cell phone and charger

Try to always keep at least half a tank of gas in your car in case you need to hit the road in hurry. Likewise, have some cash on hand or in your emergency kit. Also, know if you live in an evacuation area, get familiar with the evacuation routes.

 

Handling Insurance

Time is an asset. “As part of your preparations take a photo inventory, it is the simplest way to document your possessions,” suggests Buck with GreatFlorida Insurance. Snap pictures of your closets and drawers to show ownership of clothes and shoes. Take clear photos of jewelry, electronics, power tools, china and other valuables you might own. Date the photos and if possible list the purchase price. If anything is destroyed, this step is helpful when dealing with replacement costs regarding homeowners insurance and renters insurance.

Most homeowners insurance cover hurricane wind damage, but not flood damage. Flood insurance is provided by the National Flood Insurance Program. According to the National Oceanic and Atmospheric Administration, (NOAA), “Flooding is the most frequent and severe weather threat.” With 90 percent of natural disasters in the U.S. being flood related. Floods are also the costliest natural disaster.

Federal disaster assistance is only offered when the president declares a major disaster, which happens half of the time. The Insurance Information Institute, III reports that most insurers will not allow changes to be made to insurance policies once a hurricane watch or warning is issued by the National Hurricane Center.

What to expect?

The National Hurricane Center is reporting that Irma is currently a category 5 hurricane and “extremely dangerous.” Hurricane Wilma (category 5), hit Florida in 2005 leaving almost 4 million people statewide without electricity for several days. Widespread flooding and property damage is common during a severe storm preventing access to clean water and shutting down businesses.

Hurricanes cause storm surges and battering waves, producing an abnormal rise of water that can travel several miles inland. There is also flooding from heavy rains, along with wind and tornadoes.

Insurance is designed to help people rebuild their lives. GreatFlorida Insurance can help protect your home with a Florida flood insurance policy provided by the National Flood Insurance Program. We also offer homeowners insurance and renters insurance.

 

 

 

 

 

The post Preparing for Hurricane Irma appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
4/27/2017

After spending a good amount of money and time planning your ideal trip you might be thinking of  purchasing travel insurance. But, you might already be covered.

Homeowners insurance, renters insurance, auto insurance and medical insurance follows you on vacation,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent homeowners insurance provider. That includes; rental cars, illness, stolen items, lost luggage, accidental injuries and property damage. Before you buy travel insurance, check your policy and see what is currently covered. You want to avoid paying for insurance coverage beyond what is necessary.

Medical coverage

Your current health insurance policy could provide adequate coverage on your travels. Check coverage in the area you are headed. You might be surprised to find doctors and facilities that accept your health insurance even overseas.  The U.S. Department of State urges international travelers to make sure they have health insurance where they are traveling. Many foreign doctors and hospitals require cash payment and emergency medical evacuation can cost up to $100,000. Also, Medicare is not available outside of the country.

While illness is covered during your travels, a pre-existing medical condition might not be. This is a detail you will need to review with your insurance agent.

Lost or stolen items

It is a pain to arrive at your destination without your luggage. The U.S. Department of Transportation limits lost baggage claims to $3300. Keep in mind, airlines account for depreciation of your stuff so if you are traveling with golf clubs or pricey camera equipment you might want to make sure your luggage is covered. Stolen items and lost luggage are reimbursed under your homeowners insurance and renters insurance policy.

“Make sure to know your insurance coverage deductibles and limits before taking off on vacation,” says Buck with GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Rental cars

Auto insurance will extend to a rental vehicle. If you cause an accident while driving a rental car, the liability portion of your auto insurance would cover the damages to other cars or property.

Travel insurance

One of the most common misconceptions about travel insurance is the idea that you can cancel for any reason and be reimbursed. Travel insurance will reimburse you on a majority but not all expenses. Like other insurance policies, the amount you pay for travel insurance will depend on a few variables. The type of coverage you choose, how many people are traveling in your party, age, destination and the length of travel. You can expect to pay 5 to 15 percent of the cost of our trip. The deductible amount is usually $200.

Make sure you are not paying for insurance you already own. Check out your current health insurance, auto insurance, renters insurance and homeowners insurance policy to see how much you are covered for while on vacation.

Contact GreatFlorida Insurance for all your insurance needs today.

 

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The post Are you insured on vacation? appeared first on The GreatFlorida Insurance Blog.