Check Out Our Newest TV Commercial


 

Gulf Coast Educators Insurance has partnered with Southern Oak Insurance Company (one of our home insurance companies) to produce a TV commercial which will be airing shortly in the Naples area. Check it out, and tell us what you think!

College kids Living on their own?

Renters Insurance gives you peace of mind

Do you have a college age student that has moved into his or her own apartment? Do you know that most landlord’s insurance doesn’t cover the personal belongings of your college age student if something happens such as a burglary? Gulf Coast Educators Insurance offers a renter insurance policy to help protect your college age student.

A renters insurance policy is an affordable way to have peace of mind. A renters insurance policy helps protect belongings such as furniture, clothing, televisions, computers, and jewelry that our commonly in an apartment. A policy can also include liability coverage which could come in handy if someone is injured in the apartment. Events covered by the policy vary but could include:

• Theft
• Lightning
• Fire or smoke damage
• Accidental water damage
• High winds or hail

Approximately 33% of people currently have a renters insurance policy. Common reasons that we hear for not carrying renters insurance include: it is too expensive, it isn’t needed, or it’s not important. Gulf Coast Educators Insurance wants you to know that renters insurance is a very affordable option. It is an important insurance to have in case of a catastrophe.

Could you afford to replace the contents of an apartment? Renters insurance is needed in the event of an emergency. We hope that you never have to deal with a fire, theft, or other catastrophe at your apartment, however, isn’t it better to have insurance coverage than to be wondering how you are going to live and how you are going to pay to replace the contents of your apartment.

Gulf Coast Educators Insurance is affordable and most policies cost less than a dollar a day. For a rental insurance quote, please contact any of our three Southwest Florida locations. To reach our agents at the Naples office, please call 239-591-0963. Our Port Charlotte agents can be reached at 941-391-5423. To speak with an agent at our Fort Myers office, please call 239-997-0420. We look forward to helping you with all of your renters insurance needs. Please call us today!

Home Insurance

home insurance

Home Insurance Policies and What To Look For

Home insurance policies differ in many ways. We think of home insurance as a must, but don’t always explore our options when looking for the perfect home insurance policy. It is not your insurance provider’s responsibility to make sure you get the best deal, it is your responsibility. There are many ways to make sure you get the best possible home insurance that fits your needs, let’s talk about a few.

Always shop around for the perfect insurance. Sometimes people just want to stay insured by the family insurance company but shopping around could be to your advantage. Even if you stick with your family insurance company getting other quotes could help you negotiate with your current insurer.

Another thing you can do is to take advantage of special discounts insurance companies offer. Insurance companies do not automatically deduct these discounts; you have to ask for them. Your driving record or report card are two examples of discounts which may apply to you. Ask your insurance company yearly for a list of discounts that may apply to your family.

Make your home more disaster ready. The best way to prepare for a disaster is before it happens. Being prepared for a disaster might not help lower your insurance rate, but it will help after the disaster happens. You could cut down trees close to your home or install hurricane shutters so your home would sustain less damage during a storm.

Often when your home has a security system installed an insurance company will offer a discount. Installing a security system is not a hard or as expensive as it sounds. Ask your provider for specific details on what needs to be installed to be eligible for the discount.

Did you know where you live depends on your insurance cost? Your home insurance cost depends on if you live close to the ocean, elevation, flood risk, and many other claims that have been made close to your home. If you have not yet bought a home you should check out the area before purchasing. Insurance rates could go up two blocks down the road from your home. Your dream home might not be as dreamy as you think.

These are a few things you should take in to consideration when searching for your perfect home insurance policy. If you need help finding a great policy call Gulf Coast Educators Insurance at 239-591-0963. It would be our pleasure to serve you.

 

Severe Weather

Spring Is Here, And So Is The Severe Weather

Make sure your home is ready for the severe weather to come. Spring has been here for a few weeks and we have had a few severe thunderstorms. During these storms if your home gets damaged the first thing you should do is call your insurance agent to see if the damage actually needs to be filed. If you are jusevere weatherst missing a shingle you may want to get someone to repair it without filing a claim. Your agent should be able to help you find someone to repair it for you. Insurance companies are resorting to this because more and more people are filing claims on roof damage. Some insurance companies are trying to remap the way to reimburse home owners for those repairs. For example, in the past if your roof was damaged you would just get a new one. Now some insurance agencies are taking into consideration the actual age of your roof. This means you could have to pay your deductible and part of the new roof costs due to the depreciated value of you old roof. Insurance companies try to keep premiums down but some companies have no choice but the raise rates. This happens when more claims are filed, due to the severe weather; the rates must go up because of the money lost. Make sure you know what is covered on your policy by your insurance company if there is damage to your home. Give your agent a call and check your policy. If you need home owners insurance call Gulf Coast Educators Insurance at 239-591-0963 they will be happy to help you find the insurance the is best for you.

Those Little White Lies

Can Little White Lies Lower Your Insurance Rates?

Little white lies can lower your insurance rates; if you lie to lower your insurance rates you are not alone. These little white lies are called “premium leakage” to your insurance company. The reasons people lie are to save mcar insuranceoney, no correct answer on the insurance form, or they felt cheated by the company in the past. 10 percent of potential premiums from insurance companies are lost by drivers providing bad information. All the misinformation you provide adds up. During a study men were more likely to lie than women, 42 percent vs. 27 percent. Also, drivers under the age of 30 were more likely to lie about information provided than drivers over 50 years old. The top five things that drivers lied about during the study were annual mileage, where the car is parked, names of drivers with access to the vehicle, history of tickets or accidents, and gaps in insurance coverage.  People lie about where their car is parked at night because it lowers their rates. Some places have a higher crime rate than others. What happens if you get caught giving bad information? If you get caught in your little white lies your claim could be denied, your premium could go up, policy denied, or sued for fraud. Insurance company’s pull DMV reports and check all the information you submit to them, so you will get caught giving false information. If you are looking for auto insurance in the Naples, FL area  give Gulf Coast Educators a call at (239) 591-0963.

 

General Insurance

Security And The Idea of General Insurance

The need of security brought on the idea of insurance. We as people are always trying to shield ourselves from crisis whether it is the security of ourselves or family, or our possessions. general insuranceInsurance just as its name insures your health, vehicle, and property. General insurance needs come from the facts that all things that matter to you should be insured, if your possessions are insured you are more likely to live a risk-free life. Everything that is a hard earned possession should be insured these items include your personal vehicle, business, property, or anything that can be a financial loss. Health insurance should be taken in to consideration because any health emergency can drain you financially in the blink of an eye. Car insurance is a must. It covers your vehicle damage from theft, accidents, or fire; it would also cover natural calamities. Another general insurance is property insurance and this includes your home. Your home is probably your most priced asset and it should be insured. Insuring your home protects you against burglary, fire, and other risks that could cause harm to your home. If you are in need of general insurance call Gulf Coast Educators Insurance at  239-591-0963, they can help you get reliable insurance when you need it the most.

Hurricane Tips

Get Prepared For Hurricane Season

Tips for Florida homeowners:

hurricane off florida coast

Our insurance agents hope home and property owners are vigilant this hurricane season and prepare before a storm hits.

Check out these hurricane safety tips to protecting your home or property from damage and total loss due to high winds, rain and power outage.

-Have spare gas cans filled with gas

-Test your generator – plug in your appliances, lights, etc. to be sure everything works the way you want it to

-Remove limbs and yard debris that could become missiles in the event of strong winds

-Clean gutters and look at your drainage areas be sure they are wide open

-Look at the sealants around your windows – do you need additional caulking?

-Review your roof shingles or tile – is anything loose or need repair?

-Do you have an evacuation plan? Where will your family and pets go?

-Get plastic containers with lids to secure important items

-Video the interior and exterior of your home or property for filing a claim after the storm passes

-Schedule a homeowner’s insurance policy review with our office prior to the storm to make sure you are covered

Our Florida insurance agents are available Monday – Friday to answer your questions and guide you through your insurance policy.

Top 5 Homeowners Insurance Claims

When you buy a home or rent an apartment, it is important to make sure it is properly insured to cover any kind of accident or damage. While individuals should always get the state-mandated minimal insurance, it is always a good idea to look into getting additional coverage to handle any high-cost claims that you may incur.

Water Damage

Water damage is a common claim, and can still affect you even if you don’t live in  a flood zone. Depending on how old your home or apartment is, there is a chance for a pipe to burst or your toilet overflows. Remember to purchase a policy that will cover water damage despite the source of the water.

Wind and Hail

Severe weather can damage your home, and as Florida residents we endure high winds during hurricanes which can also hail and tornadoes. Exterior damage can be expensive to repair, so make sure to have adequate coverage for your state’s climate.

Accidents

You never anticipate that a visitor on your property will get hurt, but because there is a possibility of being sued if this happens, you need proper liability coverage.

Dog Attacks

If you are a dog owner, you must make sure they are properly controlled at all times. You never know what could make a dog feel threatened and decide to bite someone. If someone gets bitten, they have a right to sue you posing a lot of financial duress. With dog attack claims, the dog owner assumes primary responsibility and could be found liable. Make sure you have enough liability coverage and keep your pets under control.

Fire

Losing your home to a fire is overwhelming, and the claims process doesn’t help relieve any of the stress. When you make a fire claim, you must be able to prove the worth of what was lost. If the insurance company doesn’t agree on the value, an investigation will follow. To help matters, make sure to keep a running tally of your belongings as well as their value.

When searching for a homeowner’s policy, make sure to look at the scope of the policy as well as the price. If you don’t have proper insurance coverage, you could be looking at additional financial burdens after an unwanted disaster.