GreatFlorida Insurance - Don Greene - Orlando Insurance

Renters Insurance Quotes in Orlando, FL

Don Greene, Agent

407-894-6363

1300 North Semoran Boulevard - Suite 180
Orlando, FL  32807
Fax : 407-894-6310

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Renters Insurance OrlandoRenter's Insurance

You do not have to own your property for it to be considered your home in Orlando. It is often your possessions that are more treasured than the house, especially when renting.

While the landlord may have home insurance covering the structure, your personal belongings are not covered unless you have a renter’s insurance policy in place.

GreatFlorida Insurance has budget friendly renter’s coverage to protect against damage or theft of your small appliances, electronics, computer and entertainment equipment, clothes, shoes, jewelry, furniture, bikes and just about anything else you own.

Renter’s insurance is not only created for your possessions but, can offer protection if someone is injured at your rental property as well as  provide living expenses if your rental is damaged and you need to find temporary housing.

GreatFlorida Insurance can cover your rental property whether you live in a condominium, apartment, townhouse or home in Orlando. Safeguard your personal effects with renter’s insurance today.

Protect What's Yours with Renter's Insurance

Whether you own or rent your home, the fact remains that you want to protect your belongings and your family from life's unfortunate events.

While most people have heard of homeowners insurance, many renters don't know that there are special policies just for them called renters insurance.

Contact a GreatFlorida Renter's Insurance Agent in Orlando to get more information on a renters insurance policies and to get your free renters insurance quote.

Call 407-894-6363 or take a few minutes to complete our online quote request form.

Why should I get a renters insurance policy?

Even though you may be living in a home that is protected by someone else's homeowners insurance policy, you want to be sure that your personal belongings and liabilities are covered.

If an accident, natural disaster or other unfortunate incident occurs, a renters insurance policy will make it easier to get back on your feet.

How do deductibles work with renters insurance?

Just like with other policies, a deductible is the amount that you agree to pay before your insurance policy begins to pay. However, it is important to note that this applies to personal property claims and not to liability claims.

Additionally, hurricane deductibles are applied differently since storms can cause damage multiple times in one year. Your GreatFlorida Insurance Agent in Orlando can provide you with additional information on how deductibles work.

What personal items does a renters policy cover?

Renters insurance policies are designed to keep your assets safe. Take a look around your home. You probably have more personal property in your home than you initially realize.

Do you have?

  • Kitchen appliances and supplies
  • Electronics
  • Clothes
  • Shoes
  • Jewelry
  • Purses
  • Furniture
  • Entertainment systems

Protect items such as these with a superb renters insurance policy from GreatFlorida Insurance. Get your quote by calling 407-894-6363.

How about protection against personal liability?

When someone is hurt at your home, it may be as much your liability as it is the landlord's liability.

Not having proper coverage in place can be a costly mistake. Renters insurance will give you the protection you need whether you need to cover attorneys' fees or pay for the medical bills of those injured on your property.

Protection at home and away from home.

Damages and personal liability can by incurred whether you're home or away from home. For instance, if you accidentally set something on fire because of a faulty appliance or lapse in judgment, a good renters insurance policy can help you recover from those damages.

On the other hand, if your home catches on fire, suffers from water damage as a result of an action of your neighbor or building management, or is broken into, a renters insurance policy will be your best asset.

In these instances your policy will cover damaged items as well as pay part of your living expenses should you be forced out of your home due to the damage.

Renters insurance covers your belongings from natural disasters.

Florida is the Sunshine State. Our tropical climate draws visitors from around the world. However, it also leaves us susceptible to severe storms, floods, hurricanes, tornados, etc.

When you rent your home, you are not responsible for damage to the structure, but guess who is responsible for your personal belongings. You are.

The destruction of your home and personal belongings can be devastating. Give yourself and your family the best chance for a second start with proper renters insurance coverage.

You'll also ensure that you'll have financial support to pay for living expenses if you are forced out of your home.

Payment plans available.

Renters insurance can fit most any budget. You have the option of paying for the entire year upfront or paying a deposit followed by quarterly payments. Get more information when you contact a GreatFlorida Insurance Agent.

Get started by making a list and checking it twice.

How can you get started? Before calling GreatFlorida Insurance take inventory of your belongings. From furniture to appliances to electronics to clothes to shoes to clothing to jewelry, these costs can really add up.

Once you have an idea of the total value of your belongings, a GreatFlorida Insurance Agent in Orlando will be able to put together the best possible renters insurance quote for you.

Get a Quote Online
Call 407-894-6363
Florida Renters  Insurance Blog
by GreatFlorida Insurance
11/7/2018

Feds shut-down sham health insurance company

“Unfortunately,  health insurance is being used to deceive many Floridians out of thousands of dollars,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent health insurance company.

In fact, last week, the Federal Trade Commission (FTC) shut down a network of Florida companies that used aggressive and deceptive tactics to sell worthless health insurance products. Allegedly, the company collected more than $100 million by preying on people in search of health insurance, leaving tens of thousands of people uninsured. Many of the consumers have incurred substantial medical expenses and are stuck with thousands of dollars in unpaid medical bills.

A complaint was filed in federal court against Simple Health Plans LLC, and the company’s owner, Steven J. Dorfman as well as five other companies including, Health Benefits One LLC, Health Center Management LLC, Innovative Customer Care LLC, Simple Insurance Leads LLC, and Senior Benefits One LLC.

The FTC alleges the defendants misled people into thinking they were buying comprehensive health insurance that would cover pre-existing medical conditions, prescription drugs, primary and specialty care treatment, inpatient and emergency hospital care, surgical procedures and medical and laboratory testing.

Customers enrolled reported paying up to $500 a month for what ended up being a medical discount program or extremely limited benefit program that left consumers uninsured.

Florida Blue warns customers about scam

Blue Cross Blue Shield of Florida, also known as Florida Blue, wants customers to know it is not affiliated with phone calls claiming to offer plans from well-known insurers, including Blue Cross. The company has made it clear, they are aware of the calls and they are not from Florida Blue nor anyone representing the company.

In a letter written by Florida Blue to address to situation, they state, “When we call you, to comply with privacy laws we’ll always confirm we are speaking to the correct individual, first by asking for some personal information. However, we will never require you to give us financial or banking information, or ask for full social security numbers, over the phone.”

“Floridians receive a ridiculous number of robocalls pitching health insurance scams every year,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent health insurance company.

It pays to get your health insurance through a reputable company you know you can trust. GreatFlorida Insurance offers legitimate health insurance coverage through Florida Blue. Contact us today.

GreatFlorida Insurance is a authorized vendor of health insurance for Blue Cross & Blue Shield.

GreatFlorida Insurance is a authorized vendor of health insurance for Blue Cross & Blue Shield.

 

The post Is Your Health Insurance Legit? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
10/31/2018

For some drivers, vehicle longevity is paramount in selecting a car. Determined to capitalize on their investment, they will drive their cars into the ground.

“With regular maintenance, most cars last up to 100,000 miles,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent car insurance agency.  Also, Consumer Reports says, the typical age of cars on the road is 11 years. On average, 1.2 percent of cars built every year makes it past 200,000 miles.

However, some cars far surpass the 100,000-mile mark and keep going. Researchers with the automotive website, iSeeCars.com, have complied a list of vehicles that are most likely to continue running well past 200,000 miles.

The data is based on analysis of over 13.5 million cars on the road, sold during 2017, from model years 1981 through 2017 with over 200,000 miles logged. The list is mostly comprised of larger vehicles, seven out of 10 vehicles most likely to pass 200,000 miles are SUV’s.

10. Honda Odyssey

9. Toyota Avalon

8. Toyota Tacoma

7. GMC Yukon

6. Chevrolet Tahoe

5. GMC Yukon XL

4. Toyota 4Runner

3. Chevrolet Suburban

2. Ford Expedition

1. Toyota Sequoia

“Most of the vehicles on the list are constructed with real durability, which must be a factor,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent car insurance agency.

Perhaps more triumphant than hitting the 200,000-mile mark are the vehicles iSeeCars.com, expects are likely to reach 300,000 miles. They include, Toyota 4Runner, Chevrolet Suburban, Toyota Sequoia, Ford Expedition and the Toyota Tacoma.

Noticeably absent from the list are luxury cars. “Typically, luxury models have fewer cars that achieve the 200,000-mile milestone because these cars are often leased with contracts requiring lessees to keep the miles down,” says iSeeCars.com, CEO Phong Ly.

The longest-lasting luxury vehicles to meet or exceed 200,000 miles include, Cadillac Escalade ESV, Cadillac Escalade, Acura MDX and Volvo XC 90.

If you are looking for dependable and affordable car insurance, give GreatFlorida Insurance a call today.

The post Vehicles that run for over 200,000 miles appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
10/17/2018

Hurricane Michael was the 3rd most powerful storm to hit the U.S. The storm quickly escalated to a category 4 hurricane, making it the worst in almost a century. National Geographic reports, Michael had the three most critical characteristics for a hurricane to gain strength and make a big impact. Those include, warm waters, low wind shear (a change in wind speed or direction in a short distance) and a tight core, keeping the storm intact.

“In a span of 48 hours we watched the tropical storm grow to a worst-case scenario,” recounts Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance company.

While it has been a week since Michael made landfall, the impact was so devastating, crews are still searching for survivors in the hardest hit areas. Hundreds remain in shelters and over 100,000 are still without power. Many are dependent on food and water being air dropped to their areas. Bay county schools are closed indefinitely for over 26,000 students. Cell phone service is spotty, and it is difficult to fill a gas tank. To support victims, Verizon announced it would give a three-month credit to every Verizon customer in Bay and Gulf counties.

The Florida Division of Emergency Management has established a website, floridadisaster.org, for storm victims, as an information hub. The website includes a list of open shelters, instructions on how to apply for disaster assistance, emergency supply distribution locations, updated curfews for each county, family reunification, boil water notices, debris reporting, insurance resources, available gas stations, power outage details, school closures, traffic, weather, a list of open camping areas, rumor control and more.

“At GreatFlorida Insurance, we are making every effort to provide our customers with a quick response so they can piece their lives back together,” says Ellsworth Buck Vice President of GreatFlorida Insurance, Florida’s top independent homeowners insurance company.

Gov. Rick Scott, issued an emergency order that ensures additional protections to Florida insurance policy holders. According to the Insurance Journal, the order requires that insurers perform the following.

  • Freeze any rate hikes for 90 days.
  • Provide an additional 90 days to policyholders to supply required information to their insurance company.
  • Rescind for 90 days, all non-renewals or cancellations issued to policyholders in the days leading up to Hurricane Michael. This gives policyholders 90 days to either renew their insurance policy or find a new insurance policy.

For those interested in helping financially, Charity Navigator has highly rated the following charities. They will help by providing food, shelter, medical care and other necessities to victims of the storm.

Team Rubicon, https://teamrubiconusa.org

Samaritan’s Purse, https://www.samaritanspurse.org

All Hands and Hearts- Smart Response, https://www.allhandsandhearts.org/programs/hurricane-michael-relief/

Direct Relief, https://www.directrelief.org/emergency/hurricane-michael/

Many good Samaritans have packed up trucks with food and supplies to come and aid storm victims utilizing their own resources.

The post Hurricane Michael- What is being done? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
10/2/2018

It’s fall in Florida, that means, football, pumpkin-spice and flu shots. October just started and there are already confirmed cases of the flu.

Last year, 80,000 people died from the flu in the U.S. The largest number of casualties in four decades, according to the Centers for Disease Control and Prevention (CDC). Americans made 900,000 hospital visits. The CDC also reports last year’s flu season, was the most severe since the pandemic in 2009.

“There is really no reason to avoid a flu shot this year,” comments Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent health insurance agency in Florida. “It’s readily available, quick and for most people free.”

The Florida Department of Health recommends everyone over the age of six months old receive a flu shot by the end of October. The flu vaccine is convenient to get and available at most pharmacies such as CVS, Publix and Walgreens, walk-in clinics, public health facilities and your doctor’s office.

“Many health insurance companies cover the cost of the flu vaccine, but in case, check with your insurance beforehand to see if your plan requires your shot from a particular office or location,” reminds Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent health insurance agency.

The Florida Department of Health reports, “Influenza or the flu, is a respiratory infection caused by a variety of flu viruses. The “flu” is a common catch-all term used for a variety of illnesses, but it correctly applies only to the upper respiratory diseases caused by the influenza virus.”

While, getting a flu shot will not guarantee you will not get the flu, research shows people who receive the vaccination experience less severe complications. A CDC study in 2017, showed that vaccination reduced flu deaths among children with high-risk medical conditions by half and among healthy children by about two-thirds.

To keep updated of national and state flu activity, check out the Florida Health Department’s web page at: http://www.floridahealth.gov/diseases-and-conditions/influenza/index.html.

GreatFlorida Insurance is committed to helping Floridians stay healthy. Our experienced agents can offer you and your family quality health insurance policies to fit your needs while staying within your budget. Call us at 888-478-7801 or go online to www.greatflorida.com for a free quote today.

 

 

 

The post Think you don’t need a flu shot? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
9/27/2018

“Hurricanes and floods can endanger lives, economic viability and entire communities,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Seeing the destruction Hurricane Florence left behind in the Carolinas, is a heartbreaking reminder of the importance of flood insurance.  According to data from Pew Charitable Trusts, between 2000-2017, flood related disasters accounted for more than $750 billion in losses in the U.S. Flood related disasters are the most common and most expensive disaster threat in the nation.

Pew Charitable Trusts also reports, when Hurricane Irma hit Florida last year, 14 percent of the 3.3 million households in the nine counties affected by the disaster had flood insurance. Leaving many Florida residents to come out-of-pocket for repairs and expenses.

“Most homeowners are unaware of the natural disasters covered by a standard homeowners insurance policy,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s principal independent homeowners insurance agency.

A standard homeowners insurance policy covers natural disasters such as wildfires, tornadoes and hail storms. Two natural disaster categories a standard homeowners insurance policy will not cover are floods and earth movements.

Floods are defined as rising water from excessive rainfall, hurricanes, storm surge, dam failure and a tsunami. Earth movements include earthquakes, landslides and sinkholes.

A homeowner might have a hurricane deductible included on their homeowners insurance, however it will not cover the flooding caused by a nearby lake that overflows during a hurricane. Experts with CNBC say a hurricane deductible typically ranges from one to five percent, depending on the specifics on your homeowners insurance policy. The percentage is based on your insured value, not the damage caused.

Flood insurance is available with GreatFlorida Insurance, through the National Flood Insurance Program. Also, additional disaster coverage is available for addition to a standard homeowners policy. Do not wait until the report of a storm is looming. It takes 30 days for flood insurance to go into effect.

The post Understanding flood insurance appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
9/14/2018

Florida offers unique opportunities for fishing in the fall. Cooling water temperatures can result in great bites this fall.

“In the middle of hurricane season, always make sure to keep track of the weather before you head out,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent boat insurance agency.

As reported this week, a few storms are churning in the tropics. While none look like they are headed toward Florida, anglers need to be aware of dangerous rip currents and high seas as well as possible thunderstorms according to meteorologist at clickorlando.com.

Before you cast your line, you’ll need a fishing license, whether in local waters inland or off shore. There are exceptions for those fishing off a local pier or on a charter boat where a blanket license has you covered. To find out more about Florida fishing licenses, click the links below.

Saltwater license

Freshwater license

Popular catches in the fall in freshwater include bass, crappie and catfish.

In saltwater you can hook, red snapper, grouper, king mackerel, red fish, trout and snook. However, Florida Fish and Wildlife Conservation Commission (FWC) has temporarily made snook and redfish catch-and-release only from the northernmost point of Anna Maria Island in Manatee County to Gordon Pass in Collier County. This was done through and Executive Order in response to the impact from red tide bloom in southwest Florida. This order is an effect until the next FWC meeting September 26-27.

However, you do not always need a boat to make a good catch. During the fall mullet run, anglers without a boat have the opportunity to catch big game fish.

“When the weather cools down and the visitors clear out, that is when the water really heats up,” says Buck, Vice President of GreatFlorida Insurance, Florida’s top independent boat insurance agency.

GreatFlorida Insurance can make sure you are fully prepared before you head out to trawl with premium boat insurance at affordable prices. Contact a GreatFlorida Insurance agent to make sure you have proper boat insurance and adequate coverage for all your fishing equipment.

The post What you need to know about fall fishing appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
9/6/2018

Animal related insurance claims

 Florida is known for its abundant wildlife population. Green space surrounds many of our highways, increasing the chances of an animal-auto collision.

“When driving at night, it is almost impossible to avoid a collision once an animal steps or jumps onto the roadway,” observes Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent auto insurance agency.

The U.S. Department of Transportation claims an estimated one to two million collisions between a car and large animal occur every year.

A recent study from the National Insurance Crime Bureau (NICB), analyzes the number of animal-related insurance losses for the years 2014-2017.  All animal-related claims went up 6 percent over the four-year period.

The most common animals involved in auto collisions include: deer, racoon, dog, turkey, coyote with deer being the most frequent victim. Additional animals often struck by cars in Florida include the alligator, Florida panther, black bear and birds.

“If animal related accidents are a concern for you or you frequently travel near wooded areas, you might want to check out comprehensive coverage through your car insurance policy,” recommends Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

Consider these wildlife-auto collision statistics from the Department of Motor Vehicles (DMV).

A collision with some form of wildlife occurs on average every 39 minutes.

The average repair cost of a car-deer collision is $2,8000.

Approximately 200 motorists die every year in car-wildlife collisions.

1 out of every 17 car collisions involve wandering wildlife.

89% of all wildlife collisions occur on roads with 2 lanes.

84% of all wildlife collisions occur in good weather on dry roads.

If you unexpectedly come upon an animal in the road while driving, experts advise not swerving. Consequences could be more severe if you hit an oncoming vehicle. It is recommended to hit your brakes, honk the horn and duck low behind the dashboard.

The post To Swerve or Not to Swerve appeared first on The GreatFlorida Insurance Blog.