GreatFlorida Insurance - Michelle Silvester - Palm Beach Gardens Insurance

Umbrella Insurance Quotes in Palm Beach Gardens, FL

Michelle Silvester, Agent

561-202-6186

5080 PGA Blvd - Suite 209
Palm Beach Gardens, FL  33418
Fax : 561-202-6187

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Lawsuits are not reserved for the rich and famous, unfortunately, no one is immune.  Disastrous circumstances can leave you in debt if you are not protected.

An umbrella insurance policy goes beyond the limitations of traditional insurance.

GreatFlorida Insurance provides extra liability insurance from lawsuits, property damage, injuries, slander and libel, worldwide incidents and false arrest and imprisonment as well as shock and mental anguish for residents of Palm Beach Gardens.

Our umbrella insurance is designed to protect you and your family from major claims and lawsuits. It is security without the huge costs.

An umbrella policy will cover medical bills and claims of an incident that occurs on your property such as a dog bite, pool injury or death, or boating incident. Property damage liability covers damage you are responsible for such as a serious auto accident.

It can also safeguard rental property you own. Without an umbrella policy your assets, college fund, salary and retirement savings are vulnerable.

GreatFlorida Insurance is here to support you and your family when a crisis occurs. Prevent your family from financial ruin by signing up for an umbrella policy to shelter your family’s future.

Umbrella Insurance Palm Beach GardensCover Your Bases with Umbrella Insurance

It's the part of insurance that we all dread, policy coverage limitations. You pay for insurance expecting complete protections.

Unfortunately, we all know that while it's essential to arm yourself with insurance policies that protect your assets, there are occasions where those policies just aren't enough.

You can hope that you have great luck and will never need more than your policies cover, or you can invest in umbrella insurance.

Contact a GreatFlorida Umbrella Insurance Agent in Palm Beach Gardens for your free quote today by calling 561-202-6186 or by taking a few moments to complete our online quote request form.

What is Umbrella Insurance?

Umbrella Insurance is like the super hero of insurance policies. It saves you by breaking the chains on the limitations of auto, boat and home insurance.

Basic policy exclusions are no match for umbrella insurance. Get added protection from such liabilities and incidents like:

  • Lawsuits
  • Property damage
  • Injuries
  • Slander and libel
  • Worldwide incidents
  • False arrest and imprisonment

How do I know if I need an umbrella insurance policy?

Do you want to know you're protected against the limits of your policies? Do you want coverage on items that are excluded from your policies?

If you answered "yes," an umbrella insurance policy is your answer.

Simply call 561-202-6186 or complete our online quote request form. A GreatFlorida Umbrella Insurance Agent in Palm Beach Gardens will help you find the best deal for you.

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Florida Umbrella  Insurance Blog
by GreatFlorida Insurance
2/1/2017

The Super Bowl is the biggest sporting event in the United States. If you plan on hosting the big game, you are not alone. In fact, 45 million people plan to host a Super Bowl party Sunday, according to the National Retail Federation (NRF).

Of course, hosting a house full of guests along with alcoholic beverages and charged emotions will have you playing defense. However, never fear, you have back up.  Homeowners insurance keeps you protected.  Below are possible scenarios for Super Bowl Sunday and how your home insurance covers your belongings and home.

Stolen belongings

While you assume your friends would never steal your stuff, you don’t always know everyone who comes over on game day. Therefore, if your belongings go missing, your personal property coverage pays to replace stolen items.

Incidentally, it might be wise to lock-up any valuables that could easily be taken from your home. “It’s good to snap a photo of your valuables for insurance inventory,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent homeowners insurance agency.

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Cooking fires

Super Bowl Sunday is a big grilling day.  The U.S. Department of Agriculture (USDA), reports Super Bowl Sunday as the second largest food consumption day in America, only behind Thanksgiving.

Due to all the activity, distractions occur. If a grill or kitchen fire breaks out, dwelling coverage pays for the cost of damage or destruction to your home.

Man down

As a homeowner, you are responsible for keeping your property safe. Consequently, if someone trips over a rug on the way to the bathroom and twists an ankle, you are held financially responsible. Fortunately, a standard home insurance policy includes $1,000 in medical coverage for injuries to guests, per person. In addition, you also have liability coverage if you are sued for injuries.

“Checking into an umbrella policy might be wise if you frequently host parties. This will curb liability expenses, especially if you own a pool,” suggests Buck, of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Social host laws

A lasting stat claims Super Bowl Sunday sees 325 million gallons of beer consumed. While Florida does not have social host liability laws unless a minor is involved, remain a vigilant host. Accordingly, visitors should have  transportation in order if they overindulge in drinks.

Keep in mind, being a party host is not always easy but with the proper home insurance party fouls will not ruin your home.

Stay protected in your home with dependable home insurance. Contact a GreatFlorida Insurance agent today at 1-888-478-7801 or complete our free online quote request form at www.greatflorida.com.

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The post Home Insurance is the Ideal Defense Against Party Fouls appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
8/2/2016

Floridians can privately possess everything from alligators to zebras as long as they have a permit. In most cases, neighbors are not legally required to disclose what kind of pets they are housing.

“Exotic animals, like most animals, are curious and unpredictable,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent homeowners insurance agency.

This impulsive and characteristic behavior can lead to animals escaping and exploring their area, putting neighbors on high alert. Some recent cases include the following:

Last year a woman found her neighbor’s eight foot King Cobra coiled up and hissing under her clothes drier.

A Miami woman was recently attacked by a neighbor’s pet Lemur. The animal caused scratches and bites requiring stitches.

A two-year-old Florida child died after she was strangled by a pet python after it escaped from an aquarium in the home.

While these cases are rare, unfortunate incidents involving exotic pets do occur. News 6 reported, “More than 260 exotic snakes, monkeys, lions, tigers, bears and other captive animals have escaped in Florida over the past decade.” aa-mj16-exotics-opener-wout

Keeping an exotic animal as a pet can pose a threat to your family and neighbors. Florida requires exotic pet owners to carry liability insurance for their animal. Some rare animals can cause injury, spread disease and damage Florida’s eco-system according to The Humane Society.

While dangerous behavior can be expected from a wild animal, what about the behavior of a domestic animal?

“Some communities require dog owners to purchase an umbrella insurance policy for their pet, in addition to the coverage included with their homeowners insurance if they own what is considered a dangerous breed,” says Buck with GreatFlorida Insurance.

Dangerous dog breeds include but are not limited to: Rottweiler’s, Pit Bulls and Chows. Unfortunately, aggressive classifications are based on the breed and not behavior history or socialization.

The Insurance Information Institute  claims that dog bites account for one-third of all homeowner’s insurance liability claims. The average payout for a claim in 2015 was $37,214.

It is important to talk to your homeowners insurance agent to review if your pet is covered on your renters insurance or homeowners insurance, or if additional liability insurance such as an umbrella insurance policy is required.

Contact GreatFlorida Insurance if you have questions about homeowners insurance, renters insurance or umbrella insurance. We will make sure you and your pet are covered.

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The post Your Neighbor’s Strange Pet appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
4/28/2016

Peanuts creator Charles Schulz wrote, “Happiness is a warm puppy.”

Dogs are considered intensely loyal, protective and faithful creatures that add value to life. So how do you know if getting a pet is right for your family?

“You might have a loving home but it doesn’t necessarily mean you are ready for dog ownership,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent umbrella insurance agency.

How do you know if you are cut out to own a dog? Read through the following information before deciding on a possible addition to your family.

Are you away from home often? Are you a jet-setter or do you log in long hours at the office? If so you would need to hire a dog walker or dog sitter, dogs need and deserve proper attention.

Does anyone have allergies? Those with severe allergies should not bring home a dog. If your allergies are moderate, you can work with an allergist to get some control of allergies and establish pet- free zones in your home.

Are you a neat freak? Dogs will shed, have accidents, knock things over and chew. Are you prepared for the additional clean up?

The children will take care of the dog. Your intention might be that your children will be the primary care takers, but kids get busy with activities and you will find yourself being involved in caring for the pet as well.

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Expenses, The American Society for the Prevention of Cruelty to Animals (ASPCA) estimates, a medium size dog will cost $1,580 annually. This does not include the cost of pet purchase. This covers pet care bills such as food, the vet, toys and grooming.

Another expense to consider with dog ownership is an umbrella policy. “GreatFlorida Insurance provides umbrella insurance policies in the case of a dog bite or injury,” reminds Buck. You might think your dog would never bite someone, but unfortunately bites happen and an umbrella policy can protect your assets in the case of property damage or injuries.”

That brings us to breeds. What breed of dog is right for your family and fits your lifestyle. The American Kennel Club (AKC) and Animal Planet have a breed selector that can match you with your ideal breed. They inquire about your living environment, noise tolerance, work day, activity level and more.

Remember, bringing home a puppy is similar to bringing home a baby. Make sure you have the proper supplies such as dog bowls, toys, a bed or crate. Find a good veterinarian for your dog. It is important to put away any toxic items that the dog can get into including food- avocados, chocolate and grapes can make your dog very ill. Make sure to care for their eyes, ears, gums, teeth and nails to keep them healthy. A properly fitted collar, leash and harness are a must. Also, have lots of love.

GreatFlorida Insurance has offices located throughout Florida to provide for all your insurance needs including a dependable umbrella policy. Contact us today.

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The post Should We Get a Dog? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
2/15/2016

Buying a new car is exciting and can be a complicated process. “It pays to shop around,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent auto insurance agency. “Find out how much you can afford to spend, think about how you will primarily be utilizing the car and do some research.”

There is certainly no lack of information available on the internet, but too much information can be overwhelming. Discovering a valuable resource for the information is beneficial. U.S. News and World Report recently released their awards for the best 2016 car buys.

“The awards highlight a single vehicle in each class that provides consumers with the best combination of quality and value,” commented the magazine. Quality is measured by the overall score a vehicle has earned on the basis of safety and reliability, as well as a consensus of the opinions from industry experts. Value is measured by a combination of a vehicle’s five year cost of ownership and the average price paid for the vehicle.

Below is a list of some of this year’s winners.

Compact Car– 2016 Honda Civic2016-10best-cars-lead-photo-664005-s-original

Subcompact Car– 2016 Honda Fit

Upscale Small Car– 2016 Audi 3

Midsize Car– 2016 Toyota Camry

Upscale Midsize Car– 2016 Acura TLX

Large Car– 2016 Chevrolet Impala

Hybrid Car– 2016 Ford Fusion

Sports Car– 2016 Mazda MX-5 Miata

Wagons– 2016 Toyota Prius V

Subcompact SUV’s– 2016 Honda HR-V

Luxury Subcompact SUV’s – 2016 BMW X1

Compact SUV’s– 2016 Hyundai Tucson

Luxury Compact SUV’s– 2016 Lexus NX

2-Row SUV’s– 2016 Nissan Murano

3-Row SUV’s– 2016 Honda Pilot

Large SUV’s– 2016 Chevrolet Traverse

Full Size Trucks– 2016 Ram 1500

Compact Trucks– 2016 Chevrolet Colorado

Editors at Car and Driver Magazine had their own selection of 2016 best cars. They did not limit their list to one car per category. While many winners are listed above, more Jeep brand and BMW’s can be found on their list which expands categories to include convertibles and sports cars.

“Finding the right car for you will not be your only consideration. Car insurance is a requirement,” reminds Buck. GreatFlorida Insurance, Florida’s largest independent car insurance agency.

Florida requires drivers to have the minimum of $10,000 of personal injury protection (PIP) and $10,000 property damage liability (PDL). The purchase of a new car you will most likely want a little more auto insurance than the basic requirement.

As you speak with your insurance agent you can determine the car insurance needs that provide you with the most comfort while staying within your budget. You can add comprehensive car insurance, uninsured motorist coverage, gap insurance, personal umbrella policy, emergency roadside service and rental car insurance.

If you are looking for auto insurance give GreatFlorida Insurance a call today, our friendly and knowledgeable insurance agents can get you headed in the right direction.

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The post Best 2016 Car Buys appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
12/10/2015

“It’s not unusual to encounter an alligator on the golf course when you are playing golf in Florida but lately, there has been some remarkable alligator activity on some Florida courses,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest healthcare insurance agency.

Two alligators shocked golfers when they began to wrestle on the greens at the Myakka Pines Golf Club in Englewood. Golfers reported that the two gators thrashed and bit one another for at least 10 minutes before the smaller gator, estimated to be 10 feet long, limped away. The champion of the fight, Goliath has been nicknamed by locals and is known for making appearances on the golf course but has never been seen taking on another alligator.

At the Crandon Park Golf Course in Key Biscayne, a six foot crocodile ate a dog after it ran into the water. The dog was a 25 pound pit bull terrier mix, off his lease and chasing ducks and geese in the early morning hours.florida-health-insurance

Another alligator was photographed by a stunned golfer in Naples at The Golf Club at Fiddler’s Creek. The alligator was feasting on a large python.

While alligators are native to Florida, alligator attacks are rare. According to the Tampa Bay Times, no one has suffered a fatal, unprovoked alligator bite in Florida since 2007. Encouraging news, there are no documented deaths from an alligator bite to a golfer in Florida.  The Florida Fish and Wildlife Conservation Commission, FWC reports 10 percent of all violent gator confrontations occur when golfers are trying to retrieve balls.

With an estimated 1.5 alligators populating the state, it is no wonder they can be seen lurking around golf course marsh areas and banks with heavy vegetation.  “At one time, the American alligator was considered endangered but thanks to the alligator population boost, the species was removed from the endangered list,” reports Buck, from healthcare insurance provider GreatFlorida Insurance.

In order to have a peaceful co-existence between golfer and alligators, the FWC has the following recommendations:

  • Never feed alligators, it is dangerous and illegal.
  • Seek immediate attention if you are bitten by an alligator.
  • Observe and photograph alligators from a distance.
  • Pay attention to your surroundings and warning signs.
  • Alligators are most active between dusk and dawn.
  • Leave alligators alone, even small ones

Alligators less than four feet long are not considered dangerous. If you encounter a gator longer than four feet and posing a threat to people, property or pets, call the Nuisance Alligator Hotline at 866-FWC-GATOR (866-392-4286).  Nuisance alligators are killed not relocated.

GreatFlorida Insurance wants to help keep golfers in prime shape for the green. That can be accomplished through the high quality healthcare insurance we provide to cover well visits and injury care. Give us a call today.

The post Gators on the Golf Course appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
9/17/2015

Over the years hackers have gotten more sophisticated and nasty with the evolution of ransomware.  Ransomware is malicious software designed to hold computer folders, files, and video files ransom.  It blocks the victim’s access to their data until a sum of money is paid. It ultimately takes your data hostage.

CryptoWall 3.0 is the latest threat to PC users.  PC World describes CryptoWall 3.0, as a “sophisticated ransomware program that encrypts the victim’s files with a strong cryptographic algorithm.”  Users are then asked to pay anywhere between $500 and $1,000 within 24 hours, in order to receive a decryption key that will allow them to recover their files.  If the demanded amount of money is not paid on time, the ransom usually doubles.

“The virus hits close to home and has infected two GreatFlorida Insurance agents, reports Ellsworth Buck, Vice President of GreatFlorida Insurance. “It is a serious concern, because it permanently locks people out of their files and once locked, it cannot be undone.”

CryptoWall 3.0 is distributed in a few different ways. It can be accessed through malicious websites or legitimate websites that have been hacked and spam email. Hackers are even using forged headers from shipping companies such as FedEx and the U.S. Postal Service to infect PC’s.

USA Today reported various outcomes for infected victims. Some have run out of time to pay the ransom and lost everything. Some luckier victims have paid the demanded amount and received a decryption key, getting their information back, while some pay and never receive a decryption key loosing access to their data permanently. These hackers are criminals so it is difficult to know if they can be trusted.

What Do You Do?

While law enforcement and cyber security experts are aware of the growing problem, there is little they have been able to do because of the lengths the hackers go through to preserve their anonymity. It is believed most of the hackers are located in Eastern Europe and Russia.

Being proactive is your only defense. Once a computer has been infected, there is little you can do.

Backup, backup, backup!

External drives are good if your drive crashes or if you lose your laptop, but this virus can attack connected drives as well. So they won’t save you.

If you work on a Apple computer, you are less likely to be hit, and you also have the advantage of using Apple’s TimeMachine to keep daily backups of everything.

The only way to be 100% sure is to keep a safe copy of your mission-critical files or backups, in a secure, preferably encrypted, cloud storage location. Ideally you should have your local backups synced to a secure cloud such as SpiderOakhttps://spideroak.com/features/private-by-design or SOS Online Backup : http://www.sosonlinebackup.com/

Anti-Virus / Anti-Spam / Anti-Spyware

The most current security software can block suspicious emails, but regular updates are crucial. Make sure all desktops have the latest updated version of a security software. While the Free versions are better than nothing, paying for a license will help you stay ahead of the game with the latest protections and updates.

Bitdefender is a popular choice. http://www.bitdefender.com/business/advanced-security.html

Email Safety

Client-side email programs like Outlook and MacMail old-school and are susceptible to these attacks because they download email attachments to your PC before you open them. By then its too late. It is safer to use a web based email client like GMail or Yahoo. These online email clients have strong and current SPAM lists and anti-virus monitoring.  They also have built-in viewers for certain documents, PDFs, Images, and MS Office files, so you dont have to download them to see them. Its an extra level of protection.

Modern Web Browsers

Use the most modern browsers available such as Chrome, Firefox, Safari and Edge. Make sure these are running the latest versions with well known vulnerabilities already fixed.

GreatFlorida Insurance takes an interest in our customers and wants to see the best possible outcome in their lives. If you are looking for auto insurance, homeowner’s insurance, health insurance or additional insurance, contact us today.

Common Sense

Never open attachments from an unknown or unverified sender. Watch for executable files, those you double click to open. For example: .zip, .exe, .doc, .pdf, etc. NEVER open executable files sent via email from people you don’t know, and even this is not 100 percent.

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About CryptoWall 3.0 

http://blog.trendmicro.com/trendlabs-security-intelligence/cryptowall-3-0-ransomware-partners-with-fareit-spyware/

The post Holding Your Data Hostage appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
7/6/2015

This year’s Florida legislative session was filled with hostility and drama. The standard 60-day session ended three days early due to contention between the House and Senate on Medicaid Expansion. Without a state budget passed, a Special Session was called June 1 -20. An early end to the session, along with a stalemate, doomed many bills. This year there were many proposal casualties.

PASSED – NEW LAWS

  • Ticket quotas cannot be used to generate revenue for police departments.
  • States, counties and cities can only buy American made flags- a patriotic move
  • Attention craft beer lovers, 64 ounces of beer, known as “growlers” can finally be sold in Florida.
  • Drones cannot take pictures on private property; violators will not be arrested but can be sued.
  • Gay people can adopt children.
  • Florida school districts can start the school year as early as August 10.
  • Scale back testing in public schools
  • Tax cuts-about $400 million in tax cuts with sales tax holidays and a tax cut to cable, TV and cellphone services.

CASUALTIES
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  • Comprehensive state water policy
  • Medicaid Expansion
  • Prison Reform
  • Texting while driving considered a primary offense
  • Abolishment of the death penalty
  • Equal pay for women on state contracts
  • Education– school choice, eliminating sales tax on student textbooks, mandatory uniforms for K-8, a minimum $50,000 salary for new teachers, concealed weapons to be carried by designated employees on school property in K-12 schools, ban on concealed weapons on college campuses
  • Undocumented immigrants to obtain a driver’s license.
  • Tupelo honey designated as the official state honey
  • Expansion of gambling- a victory for Disney and other’s wanting to maintain a family friendly state environment
  • Legalization of medical marijuana

GreatFlorida Insurance has been serving Florida since 1991. Dedicated to helping Floridians make informed decisions about their insurance, we offer professional service and affordable insurance. GreatFlorida Insurance specializes in:  auto insurance, homeowner’s insurance, boat insurance, motorcycle insurance, commercial insurance, renters insurance, health insurance and umbrella insurance.

Our knowledgeable agents have 115 offices located throughout Florida. Reliability is a must for our customers. We provide 24-hour service, 7 days a week, 365 days a year. The right insurance coverage can give your clients peace of mind, knowing their investment is protected.

Call 888-478-7801 to talk to a local agent or go online to www.greatflorida.com for a free quote.


 

Sources: http://politics.heraldtribune.com/2015/05/06/legislature-sets-special-session/
http://www.forbes.com/sites/instituteforjustice/2015/05/18/florida-finally-legalizes-64-ounce-growlers/
http://www.tampabay.com/news/politics/stateroundup/what-passed-what-failed-in-floridas-2015-legislative-session/2234411

The post 2015 Legislative Session- What Passed What Failed? appeared first on The GreatFlorida Insurance Blog.