Having A Party – Is Your Home A Liability?

Is your home a liability when entertaining?

How much liability insurance do you need when entertaining in your home? Imagine that you are hosting a birthday party for your child at your home. You have hired a face painter, brought in ponies for pony rides, and have a bounce house set up in the backyard. What happens if a child gets hurt while bouncing in the bounce house or has their foot stepped on by the pony? Does your homeowner’s insurance cover it or are you responsible? What about the vendors that you hired? Do they carry insurance or are they relying on your policy to cover any accidents?

Gulf Coast Educators Insurance recommends reviewing your homeowners insurance policy before hosting an event at your home. Gulf Coast Educators Insurance also highly recommends that you only hire vendors that are insured. Make sure to check that the vendor’s insurance is up to date and that the vendors are licensed by the state.

Our insurance agents offer these tips when hosting an event at your home:
•If you are having a pool party or have rented a water slide that ends in a pool of water, make sure to hire a lifeguard. Parents have a tendency to visit with each other and lose track of their child. To prevent accidental drownings, always have a lifeguard

•If you own a hot tub, make sure that the hot tub is securely covered

•Lock doors to rooms that you don’t want anyone to access, especially a child and if there are prescription drugs in that room

•Keep your pets away from your guests. Pets can get excited or agitated by the noise and lash out by biting or knocking small children over depending on the size of your dog

•Remove debris from your lawn so no one gets hurt while bouncing on a bounce house or sliding down a slide

•If you have livestock, keep the livestock fenced in a separate area where small children cannot access

•If you do have a bounce house, make sure there is an adult supervising it at all times. Limit the number of children that are jumping. Do not allow food or drinks inside the jump.

•If you do have pony rides or a petting zoo at your home then make sure that the children wash their hands after petting the animals. Do not let the children share their food with the animals.

Examples of events that you may host at your home include:
• Birthday parties
• Weddings
• Anniversary celebrations
• Graduation parties
• Baby Showers
• Quinceanera celebration
• Bridal Showers

No matter what event you are hosting at your home, Gulf Coast Educators Insurance wants you to be aware of potential liabilities that could occur during your event. Call one of our three Gulf Coast Educators Insurance locations to check what your homeowners policy does and does not cover. To reach our Naples office, please call 239-591-0963. To speak with an agent at our Port Charlotte office, please contact us at 941-391-5423. For our Ft. Myers office, please call 239-997-0420. Gulf Coast Educators Insurance is here to help make sure that you are covered. Just by reviewing your insurance policy you could have dome descent homeowners insurance savings that you were not even aware of.

Home Office Business Insurance

Do You Work From A Home Office?

Have you ever heard the expression, “when it rains, it pours”? This means that when something goes wrong, a lot of things go wrong. This expression could apply to any business that you are running out of your home. No matter if your hobby has blossomed into a home based business, you sell items for extra income, or use your computer and phone to run a business, you need to make sure that you have an insurance policy to cover loss and damage.

Have you considered what would happen if the items that you store in your home that you sell for extra spending money were damaged due to a fire or flood? What happens if they are stolen? What if you use your computer for your home based business. What happens if your computer, printer, scanner, file cabinets, or office supplies were ruined due to fire or water or even worse, stolen? Does your homeowners insurance cover these items or not?

These are all very important things to consider when you work from home. Does the company you work for cover any loss due to fire, flood, or other? Different organizations may work it differently. If you are self employed and lose your computer, files, inventory, etc. does your homeowners insurance policy cover your loss? A licensed insurance agency will help you to understand what is covered and what is not.

At Gulf Coast Educators Insurance we encourage you to contact your insurance agent to find out what happens if your home office is destroyed or damaged. Our highly trained agents would be more than happy to discuss your insurance policy and its coverage with you. We have three insurance office locations so we are sure to have an office near to you. To contact our Ft. Myers office, please call 239-997-0420. To reach our Naples office, please call 239-591-0963 and our Port Charlotte office can be reached at 941-391-5423.

Having insurance to cover loss of items needed to run your business is highly important. How would you replace your computer, printer, or items that you sell for profit if they were damaged or stolen? What about the time and business you would lose if you had no insurance and had to cover all of these items out of pocket. Would you be able to afford it?
Gulf Coast Educators Insurance is the leading agency for insurance and financial services in Southwest Florida. Along with issuing and/or reviewing your homeowner’s policy, we can also help you with all of your insurance needs. For more information about homeowners insurance and what exactly it covers, please review our website. We look forward to helping give you peace of mind regarding your homeowner’s insurance coverage. Please visit online or give us a call at one of our three conveniently located offices. For the best homeowners insurance agency near Ft. Myers, Naples and Port Charlotte we invite you to call us! We know that we can help you!

Best Home Insurance Safety Tips

Here Comes Santa Clause or not!

Christmas and Hanukkah are right around the corner. With all of the festivities come parties and family gatherings. Many of these events take place far from home. Do you know how to keep your home and your new “goodies and toys” safe from the Grinch? Gulf Coast Educators Insurance offers these tips on keeping your home and belongings safe this holiday season:

• Don’t advertise on social media that you will be gone for the holiday. Doing this just sends an open invitation for a burglar to rob you
• On the same note, be careful what pictures you post of your new presents. While the new big screen television is wonderful, posting a picture of you standing in front of it once again lets thieves know that you have worthwhile techie toys to steal
• Make sure you lock all of your doors and windows before leaving
• Have a neighbor pick up your mail and newspapers. Also, have the neighbor check on your home
• Invest in motion sensor lights to light up both the front and back of your home
• Break down all of your boxes before placing them in the trash or recycling bins. Thieves cruise up and down roads looking at trash/recycling to see what goodies await inside your home
• Keep your valuables out of sight. While displaying your beautifully decorated Christmas tree through the front window, be aware that thieves can also see your presents inside
• Make sure that your garage and sheds are secure
• Don’t leave any ladders near the house or outside. Thieves can use the ladder to climb into a window on the second floor of your home
• Don’t hide keys. Burglars know where to look.
• If you have an alarm system, arm it. Make sure that the neighbor checking your home has the code

If the unthinkable does happen and a thief breaks into your home, make sure to call the police, don’t touch anything, and call your insurance company. Gulf Coast Educator’s insurance is here for you. Our Naples customers can call us at: 239-591-0963. Our Port Charlotte clients can reach us at: 941-391-5423 and our Fort Myers office number is: 239-997-0420. Enjoy your holiday and use the tips above to keep your home and belongings safe and secure. We wish you and your family the happiest of the season!

Halloween Home Protection

Protect Your Home On Halloween

Will you be home on Halloween? Protect your investment and leave some lights on! Trick or treaters nationwide will hit neighborhoods for treats galore, will you answer your door? We have some tips for you if you choose not to participate and answer your door:

1) don’t leave your porch light on – usually this indicates that you are welcoming trick or treaters
2) do park a car in the driveway so it looks like somebody is home
3) leave interior lights on and television on so it appears people are home in the event you are not
4) if you do welcome trick or treaters be sure to keep your family pets inside, don’t let your dog(s) be the first to greet

One option is to sit in your driveway and greet your Halloween guests and pass out candy. Maybe make it a neighborhood affair!

One note of caution is if you have Halloween decor and any electrical decorations keep the cords away from where guests will walk. Avoid trip hazards! The holidays are coming fast and furious so take care and take proper safety measures to protect your home! If you need home insurance help or a free quote please feel free to contact one of our three insurance offices in Southwest Florida. All of our insurance agents can answer your questions and give you the best home insurance quote. Contact us today and let us protect your home!