Summer is officially here!! Now it’s off to the beach, lake or pool. Before your family takes the plunge be sure your kids are wearing more than just the proper SPF but also a life jacket that fits them correctly.

Life Jackets Save Lives

Be sure all kids are wearing a life jacket whenever the boat is on the water. The U.S Coast Guard requires all children under the age of 13 years to wear an approved life jacket unless in enclosed cabin or below deck.

Here is a link to both pet and child life jackets that we trust for our loved ones.
http://www.westmarine.com/search?No=210&Nrpp=30&Ntt=Life+Jacket

Looking to protect your boat or watercraft in Florida, contact Most Insurance for a boat insurance quote.

Here are few Boat Insurance FAQs to help you further:

1. What is boat insurance?

2. Is boat insurance required in Florida?

The post Boating Safety appeared first on Most Insurance.

Looking for a local insurance company? Contact Most Insurance for a Tampa Home Insurance Quote.

Check out few home insurance FAQs here:

1. Does Homeowners Insurance cover sinkholes?
2. Does Homeowners Insurance cover foundation settling?

The post 5 lighting safety tips appeared first on Most Insurance.

We are so excited to announce our new partnership with Auto-Owners Insurance! This partnership allows us the opportunity to offer a whole new level of service to our clients!

Auto-Owners Insurance Group is headquartered in Lansing, Michigan. Recognized for exceptional financial strength and stability, it is among the nation’s largest insurers, with premium writings of over $5.5 billion. The company is rated A++ (Superior) by the A.M. Best Company, a nationally recognized independent insurance rating authority. Auto-Owners is also a Fortune 500 company.

Auto-Owners backs up its products by providing its famous “No Problem” claims service. In recent surveys conducted by leading marketing research firms, Auto-Owners was rated highly for customer satisfaction in both auto and home claims.

As you know, we, at Most Insurance, are a locally owned and operated insurance agency that, like Auto-Owners, is greatly concerned with protecting its clients. As a result, this partnership will only increase the excellence of service we are able to provide, as a truly one-of-a-kind claims advocate.

As we continue to work hard to serve YOU, our clients, we are always excited to announce new opportunities for you to receive the best service possible! If you have any questions or need any additional information on this new partnership, feel free to contact us directly at (813) 347-5555 or follow these links for Florida Auto Insurance, Personal Inquiries or Commercial Inquiries to find out more about the policies we write.

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Let’s back it up a little bit, because most people don’t really understand what an umbrella policy is to begin with. So let me explain that for you. An umbrella policy is kinda like what it sounds like. It is an umbrella that goes over all the rest of your policies that provides excess or extra liability insurance. That’s the main focus.

The neat thing about umbrella insurance is that you can also have it provide excess uninsured motorist on the auto side. On auto, and on boat insurance as well. Yes, I think you should have it. It is very important. In fact, I wouldn’t drive if I didn’t have an active umbrella policy. To me it’s that important.

It’s going to protect you if you have a home. Let’s say you have kids and you have their friends over and one of them might get injured. It happens all the time. This is going to provide excess liability insurance for you. I know you might say, well my kid’s friend’s parents, there not going to sue me. But the reality is, it happens. And for only a couple of dollars a day, in fact maybe even just a dollar a day, you can be protected from something like this happening.

Do you have a swimming pool in your backyard or a trampoline? Those are extra extra reasons why you might need an umbrella.

We in fact had a claim one time for one of our customers. A neighbor had jumped on their ATV, was riding it in their backyard, and almost cut off their head because they hit the clothes line. They then sued the owner of the ATV even though they were not given permission for using it.

The umbrella policy provided extra liability insurance for them. Here is the neat thing about an umbrella policy. It provides legal defense outside of the amount of insurance. Let’s say you have an umbrella at one million dollars. You’re going to have your defense cost for a lawyer outside of that being covered. So the umbrella is going to pay for your defense, on top of that limit. It is a very good thing to have.

On the auto side, an umbrella policy is important because you can have excess uninsured motorist coverage.

So if someone hits you who doesn’t have insurance or enough insurance, it’s going to provide that excess uninsured motorist coverage. Which is the protection for you medically, if your hurt, or you’re out of work because of an injury. You can actually make a claim against your own insurance for pain and suffering.

Say you were a triathlete, like I am, and you got in an accident. Unfortunately you could no longer do triathlons.  You literally could make a claim against your policy because of that pain and sufferings. So it is a very very important coverage to have.

And like I said, it is only a couple of dollars a day. Umbrellas come in one and two million dollars limits fairly easy. But they go up to five, ten, or even $100 million depending on what your need might be. I do heavily suggest it. Again, I wouldn’t even get in a car without having that coverage.

So I think you should talk to an independent agent like Most Insurance about getting an umbrella insurance policy. Have a wonderful day and be safe up there.

The post What Is An Umbrella Insurance Policy and Do I Need One? appeared first on Most Insurance.