GreatFlorida Insurance - John Macatangay - Delray Beach Insurance

Umbrella Insurance Quotes in Delray Beach, FL

John Macatangay, Agent

561-513-5273

142 SE 6th Ave - Suite B
Delray Beach, FL  33483
Fax : 561-246-4495

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Umbrella Insurance Delray BeachUmbrella Insurance

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 Delray Beach.

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 Delray BeachCover 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 Delray Beach for your free quote today by calling 561-513-5273 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 561-513-5273 or complete our online quote request form. A GreatFlorida Umbrella Insurance Agent in Delray Beach will help you find the best deal for you.

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Florida Umbrella  Insurance Blog
by GreatFlorida Insurance
11/15/2017

Most consumers plan to spend their money online over the holidays. In their, “2017 Annual Holiday Survey,” independent research company, Deloitte, reveals 51 percent of people surveyed will opt for shopping online over shopping in-store this holiday season. This is the first-time holiday spending online will exceed brick and mortar store spending.

“It’s hard to beat the convenience of online shopping,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

By shopping online, consumers can avoid the chaos of malls and crowded stores. The frustration of parking and they are not restricted by store hours. Also, shopping online offers loads of great deals, unique finds and plenty of inventory.

With the increase of online spending comes a higher risk of becoming a cybercrime victim. So, here are some ways to avoid online threats this holiday season.

Use a secure internet connection when making a purchase. Avoid making purchases on a public wi-fi connection.

Make sure the website is secure. Look for the little padlock icon in the address bar or a URL that starts with “https” instead of “http,” the “s” stands for secure.

Check for well-known security labels such as DigiCert, VeriSign and other seals.

Create strong passwords. USA Today explains, “Many opt for a passphrase instead of a password, which is typically a long sequence of strung-together words, but perhaps with a number and symbol in there too. For example, the sentence “My dog Eddie has a birthday May 15!” could be used to create a passphrase like “Md3habM15!

Make sure to change your password on a regular basis or after a data breach with an online retailer.

Shop using a credit card. Credit card companies offer consumer protection policies making it easier to dispute fraudulent charges.

“If you are making a lot of purchases, it is good to regularly review your bank and credit card account statements for discrepancies,” says Buck with GreatFlorida Insurance, Florida’s leading independent homeowners insurance company.

Use common sense and avoid a deal “too good to be true.”

Buy from trusted sources, shop from brands and sources you are familiar with using.

Be a savvy shopper and read the fine print for return policies.

Beware of phishing scams. A popular one this time of year is an email claiming to be from a package delivery service including links to tracking information. Clinking on the links can put you at risk for malware or identity theft.

“Thanksgiving is an ideal time to express my gratitude to our phenomenal independent agents and their staff for all their hard work to make GreatFlorida Insurance a success. Also, a big thanks to all our customers. It is our honor and pleasure to serve you and your families,” Ellsworth Buck, Vice President of GreatFlorida Insurance.

The post Online Shopping Protection appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
10/25/2017

Werewolves howl. Phantoms prowl. Halloween’s upon us now.” Richelle E. Goodrich

If you enjoy being spooked, dressing up and sweets, Halloween is your night. Of course, all the activity, fun and mischief can result in calamities. GreatFlorida Insurance wants to make sure you enjoy an amusing and safe Halloween this year by checking out the following tips.

Drivers

“Children are more than twice as likely to be hit by a car and killed on Halloween than on any other day of the year,” reports The National Safety Council.

  • If you plan to leave your home, try parking so you do not have to back out of a parking space.
  • Check around your vehicle for little ones before you leave.
  • Be prepared to stop at crosswalks and intersections.
  • Stay off your cell phone.

“Drive especially slow that night,” suggests Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent car insurance agency.

Trick-or-Treating Trail

Set ground rules before your kids head out. Halloween is a night of pranks. Teach your children the difference between a prank and vandalism to keep them safe and out of trouble.

  • Children under 12 years of age should have adult supervision.
  • If you are with your kids, ditch the phone. Parents need to be in the moment and pay attention.
  • Make sure to stay on sidewalks and cross the street at corners and crosswalks and always look both ways before you cross.
  • Tell your kids to never go into a stranger’s home.
  • Set a time limit for your older kids to be out and be familiar with their route.
  • Encourage kids to avoid short-cuts through alleys and backyards.

At Home

  • Create a clear path to your door. Pick up leaves, debris and garden hoses, toys and bikes so trick-or-treaters do not trip.
  • Provide good visibility. Turn on your outdoor lights and make sure to replace burned out bulbs.

“A homeowner is not liable if someone falls or trips on their property, unless the homeowner was negligent. Do your best to keep pathways repaired and potential obstacles put away,” warns Buck with GreatFlorida Insurance, Florida’s leading independent homeowners insurance agency.

Pets

  • Do not leave your pets in the yard, they can frighten children and entice pranksters.
  • Keep your animals confined and away from the door during trick-or-treating hours recommends The American Society for the Prevention of Cruelty to Animals, ASPCA.
  • Halloween candy is not for pets, chocolate, especially dark chocolate can be toxic to dogs and cats.
  • Pet costumes can prompt laughs, but cause stress for your animal. If you dress them up, try a test run first. Make sure their mobility, sight and ability to breath is not limited.

Costumes

  • Make sure the costume fits properly to prevent trips and falls.
  • Try using non-toxic face paint and make-up instead of masks to make sure vision is not restricted. If you use a mask, make sure the eyes and nose holes are large enough.
  • Have kids carry glow sticks or a flash light so they can be seen. Using reflective tape on a costume or candy bag is also helpful.
  • Do not allow your kids to carry sharp or dangerous accessories with their costume.
  • If you or your kids are using decorative contact lenses as part of a costume, make sure to get them from a reputable eye center and try them out first.

 

The post Keeping Halloween Fun, Frightening and Accident Free appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
8/8/2017

Most people know Florida as the lightning capital in the U.S. A legitimate claim considering lightning struck seven homes in the Panama City area last week, during a severe thunderstorm. In fact, last year Florida paid out the most in homeowners insurance claims from lightning strikes and electrical surges. 10,385 claims totaled $67.8 million according to the Insurance Information Institute (III).

“As long as your home is sufficiently covered by your homeowners insurance policy, you are covered for lighting strikes and related damage,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency. Actually, lighting falls under “perils” in your homeowners insurance coverage.

Since we are in the midst of storm season, we want to familiarize you with the following tips on how to protect you and your home during a thunderstorm.

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Safety Tips

The best place to be during a thunderstorm is inside your home or office. Do not touch anything that can conduct electricity including: electrical appliances, metal surfaces such as a sliding door or anything connected to your plumbing system. Avoid anything served by your gas lines such as water heaters, ovens, furnaces and fireplaces.

Additionally, lightning strikes can be responsible for power surges- a sudden spike in electricity that can cause real damage. Most homeowners insurance policies including those at GreatFlorida Insurance offer financial protection against power surge damage.

As a general rule of thumb, Great Florida Insurance recommends you annually review your homeowners insurance. Make sure your coverage is consistent with the current replacement cost of your home and valuables. In the unfortunate event of a lightning strike and resulting damage to your home.

Lightning Protection System

A lightning protection system is designed to protect a structure. The Lightning Protection Institute (LPI) describes a lighting protection system as, “The highly conductive copper and aluminum materials used in a lighting protection system provide a low resistance path to safely ground lightning’s dangerous electricity.” Essentially, an updated version of the lightning rod.  It intercepts a strike and directs it to the ground without impact to the structure, occupants or contents.

Surge Protection Device

A surge protector offers some safety to your electronics from power surges and strikes. Do not confuse it with a power strip, which merely offers more electrical outlets and does not offer any real protection from electrical issues. Cnet.com explains, surge protectors offer some level of protection against power spikes. The level of protection varies based on how many joules, (unit of energy). “Generally, the more the joules, the better.”

For this reason, protect your home from damage that can occur from lightning strikes, power surges and fire with a homeowners insurance policy from GreatFlorida Insurance.

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The post When lightning strikes your home appeared first on The GreatFlorida 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.