New Year – New Insurance Policy

3, 2, 1, Happy New Year!

Out with the old year and in with the new year. Now is a great time to review all of your insurance policies. Gulf Coast Educators Insurance can help you with all of your needs whatever they may be.

Do you need to update your homeowners insurance policy to cover new high ticket items that you received for the holidays? Did Santa bring you a new car, boat, motorcycle, golf cart, or RV? Did you experience a life changing event such as an engagement, wedding, or birth of a child? All of these items and events require different types of insurance policies.
Gulf Coast Educators Insurance offers many types of homeowners policies. Our agents highly recommend that all homeowners carry a homeowners/property policy. This policy might need to be updated due to the addition of costly electronic items. Our agents would be happy to review your policy with you and see if there any additions that need to be made.

We also offer condominium, renters, and flood insurance. If you moved over the holiday you will want to make sure that your new home is covered. If you are now renting an apartment, it is best to obtain renters insurance to protect yourself from loss or damage to your belongings. Rental coverage provides personal property protection, family liability protection, and additional living expenses. Gulf Coast Educators Insurance offers affordable rental insurance.

Were you lucky enough to receive a new car, boat, motorcycle, golf cart, or RV over the holidays? Gulf Coast Educators Insurance offers a variety of auto policies. If you are now the proud owner of a new (or used) car, motorcycle, or RV, it is essential to obtain the best auto insurance. We can help you obtain the right auto policy for you.
While everyone knows that autos and motorcycles need coverage, many people are unaware that you can also obtain coverage for boats and golf carts. In fact, we highly recommend that you do have insurance coverage for these vehicles.

Accidents can happen while boating but can also happen while toting your marine vessel behind your car. Gulf Coast Educators Insurance boating policies are offered for all types of boats such as cruisers, pontoon boats, and small run-abouts. Boat insurance offers peace of mind while in the water and while towing your boat.

Golf carts are popping up more and more in communities. While driving and riding a golf cart can be a fun method of transportation, it can also lead to accidents. The golf carts can flip over, run people, pets, or objects over. We recommend purchasing insurance to protect yourself from any claims that involve your golf cart.

Maybe you became engaged, got married, or welcomed a child into your home in the past year. All of these life events require an inventory of your current life insurance policy to make sure that you have adequate coverage.

Gulf Coast Educators Insurance would be happy to review your current policy and see if any adjustments need to be made. Gulf Coast Educators Insurance is here to help you with all of these life events. We invite you to contact any of our offices to consult with our experienced agents. You can reach our Naples office at 239-591-0963. For our Port Charlotte office, please call 941-391-5423. Our Ft. Myers agents are available at 239-997-0420. We look forward to helping you with all of your insurance needs. Please call us today and Happy New Year!

Protecting Your Boat

How Is Your Boat Insurance Coverage?

Boating in Florida can be fun, entertaining and stressful especially if a hurricane is in the distance. Boat insurance is often overlooked by many boaters. Some take out the least amount of coverage on their boat thinking they won’t have a problem. Boat insurance can also protect your asset both in the water and out of the water. Storm damage is just one of the many reasons boat insurance is important.

Accidents and theft are other reasons having a good boat insurance policy is essential in protecting your vessel. Boating accidents happen when trailering, launching and while in the water. Holiday weekends heighten the risk. Every year we have clients who unfortunately have to make a claim because their boat was in a “fender bender” on the water or they ran their boat into rocks. The stories are endless, we have seen it all. Outside of accidents theft is also a problem for boaters. It happens all the time a boat sits in storage or is tied at a marina and the boat disappears. An insurance policy on your boat will protect you from these instances.

Another type of theft can happen if you go to sell your boat. Some people have fallen victim to boat traders where you leave your boat with a seller who sells other boats as well. In some cases a person’s boat has been sold without them even knowing it and the original owner still has the title to the boat! Yes this can happen so you want to ensure your boat is properly insured. If you do decide to have a boat dealer sell your boat be sure to get the agreement in writing, make sure you have insurance on your boat and check in with that dealer often to make sure your boat is still in his/her possession.

Some quick tips for you if you are in harms way and a hurricane is coming towards you….

1) if you take your boat out of the water chain it to the trailer

2) anchor your boat in the trailer and use stakes in the ground to help keep your boat from lifting off the trailer

3) put a lock on your trailer if you can’t keep the boat and trailer at your home (lock the hitch and wheels if you can)

4) leave your trailer hitched to your truck, this will be the safest way that nobody can drive off with it

5) if you do leave your boat docked and in the water – don’t put the canvas up it will most likely rip off

6) loosely tie your boat cleats to the dock – by this we mean leave slack in the lines to allow for the waves to come through….reinforce the cleats on your boat as well, check the screws

We wish you safety with your boat this hurricane season. Please take a few minutes and review your marine vessel insurance policy. It is important that you know what you have coverage on for your boat. For the best boat insurance coverage we invite you to call Gulf Coast Educators Insurance in Naples, Ft. Myers and Port Charlotte.