GreatFlorida Insurance - Mike Carcas - Coral Gables Insurance

Umbrella Insurance Quotes in Coral Gables, FL

Mike Carcas, Agent

305-461-3232

717 Ponce de Leon Blvd - Suite 211
Coral Gables, FL  33134
Fax : 305-461-3231

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Umbrella Insurance Coral GablesUmbrella 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 Coral Gables.

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 Coral GablesCover 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 Coral Gables for your free quote today by calling 305-461-3232 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 305-461-3232 or complete our online quote request form. A GreatFlorida Umbrella Insurance Agent in Coral Gables will help you find the best deal for you.

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Florida Umbrella  Insurance Blog
by GreatFlorida Insurance
3/13/2019

Recently in Pasco County, some inmates helped rescue a baby locked inside a vehicle. The parents of the child accidentally locked her in the car, leaving their keys on the front seat. A Pasco County Sheriff’s Office Inmate supervisor and five low-risk offenders repairing a parking lot meridian nearby offered to help. With a coat hanger and a special, “skill set” the inmates were able to open the door and retrieve the child.

“Thankfully the parents realized immediately the baby was in the car,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent car insurance agency.

While it seems unfathomable, people leave their children behind in the car several times a year. In 2018, over 50 children died in hot cars according to safety advocacy website, Kidsandcars.org.

The website highlights University of South Florida Psychology Professor, David Diamond’s work on why people forget and leave a child behind in a car. He explains it has to do with the complex functions of the brain. He states that the problem is the failure of prospective memory, the process by which the brain remembers to do something in the future. Professor Diamond says, “The brain memory systems that fail when people forget children in cars are the same as those systems that cause us to forget to shut off the headlights when we arrive at a destination.”

Several brain processes are involved with leaving a child in the car. Many factors can disrupt these processes such as stress, interruptions, multitasking, and sleep deprivation. Also, Professor Diamond points out, the lack of visual or verbal reminders increase the chance of a child being left in the car.

The National Highway Traffic Safety Administration reports heatstroke is one of the leading causes of non-crash-related fatalities among children. When a child is left in a hot car, their temperature can rise quickly.

“Children suffer heatstroke even if they are left in the car for a few minutes,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent car insurance agency.

Children are vulnerable to heatstroke. According to the National Highway Traffic Safety Administration the following are some facts about kids and heatstroke.

Kids aren’t built for heat: A child’s body temperatures rises 3-5 times faster than an adult.

Every minute counts: The temperature of a car can climb 20 degrees in 20 minutes.

It doesn’t have to be hot: Heatstroke can occur in the shade, with the windows down, and even at temperatures as low as 57 degrees.

The post Children Left in Cars appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
3/6/2019

You are in pain. You reach for some pain-reliever only to notice it’s expired. Do you still take it?

“It is a good idea to conduct an annual inventory of your medication,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent health insurance agency.

Since 1979, the U.S. Drug and Food Administration (FDA) has required an expiration date on all over-the-counter medication.

According to the FDA, “Drug expiration dates reflect the time period during which the product is known to remain stable, which means it retains its strength, quality, and purity when it is stored according to its labeled storage conditions.”

However, the FDA conducted a study finding 90% of more than 100 drugs, prescription and OTC were good to use even 15 years after the expiration date. While taking medication past the expiration date, cannot guarantee full potency, most of the effectiveness is retained.

Proper storage can help medication can retain its strength. Placing drugs in a cool, dry environment such as the refrigerator, will extend its shelf life. If left in a hot environment, such as your car, some drugs degrade rapidly.

Consensus among doctors is, expiration dates are very conservative to make sure you get your money’s worth. But, don’t be in a hurry to ditch your expired medication, save yourself some money. Tablet medication such as ibuprofen (Advil) can remain effective for years after being opened.

“While most meds are fine to use after their expiration date, that doesn’t mean they all are,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent health insurance agency.

The safety of expired meds should be considered. The FDA says of expired medication, “It also may yield toxic compounds, causing consumers to experience unintended side effects.”

Liquid medications deteriorate faster. According to Harvard Medical School you should avoid using the following medications after their expiration date.

  • Tetracycline (this antibiotic loses its effectiveness after expiration, though scientists are still researching this)
  • Nitroglycerin (taken as heart medication)
  • Insulin
  • Liquid antibiotics

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.

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 What You Should Know About Expired Medication appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
2/27/2019

Longing for an adventure- to get away from the grind? A place with great views, all within your budget. It might be closer than you think.

The RV Industry Association(RVIA) saw record sales for 2017.  More than 10.5 million households own at least one RV. In fact, half of all new sales were to Americans 45 and under.

“This alters the profile of RV travelers being older, retired couples,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s biggest independent RV insurance agency.

The appeal of traveling in an RV includes, the convenience of traveling with kids and pets, unplugging, the outdoors and affordability. Do not think you have to surrender creature comforts because you are camping. RV’s come equipped with satellite TV, hardwood floors, a dishwasher,  a washer and dryer, even a fireplace.

Full-time RV living

Living in an RV is not everyone’s idea of an epic adventure. However, a growing number of Americans are ditching their mortgages for life on the open road. “It might seem crazy to trade your home for an RV but many find it inspiring,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent RV insurance provider.

RVIA reports a million Americans live full-time in RVs. Some RVers choose this lifestyle for financial reasons. However, many are looking for a change. They give reasons that range from spending more time together as a family, or wanting a more simplistic way of living, while they all want to explore the country. Going from place to place and living on the road seems isolating. But many report forming a network of friends within the RV community.

So, how do these  constant travelers make money? Many full-time RVers have jobs that allow them to work from the road. Some are living off their retirement savings and Social Security. The Washington Post reports a variety of options to fund  travels by cleaning campsites, harvesting on farms or vineyards, or filling in as security guards. Also, people find work through word of mouth, on Workapmer News or Facebook groups such as Workampers. Amazon and J.C. Penny are among the companies with programs specifically designed to recruit RVers to help at warehouses during peak holiday season.

If you decide to join the millions who own ad RV, contact GreatFlorida Insurance  for auto insurance and RV insurance.

 

The post RV Life appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
2/20/2019

House hunting requires hours of reading through real estate listings, while looking for the ideal home.  Ambiguous terms sound appealing but also questionable.

“Descriptive real estate terms do not always mean what you think they mean,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent home insurance agency.

Agents have the job of listing a property with features that don’t always appeal to the masses. Real estate website, Realtor.com explains, “One way to do this is by finding euphemisms to throw the most flattering light onto a home-and sometimes obscure a home’s flaws.”

“Knowing the deeper meanings of these real estate terms could help you avoid wasting your time on a home that isn’t right for you,” reports real estate website Trulia.

Modern, rustic or vintage– Outdated or updated so long ago that it is lacking in current features or finishes.

Potential or TLC– Gear up for a fixer-upper, this property needs serious work.

Well-maintained or lovingly maintained– This is an older home, that is neat and clean without updates and not fitting into current styles.

Cozy or cottage– These terms can evoke the idea of warm and inviting, but it is typically code for small.

Character, custom or unique-This property is quirky or weird. Do not be surprised to find unusual spaces or features specific to the seller’s taste.

Natural landscaping-Welcome to the jungle, the yard is overgrown and is not maintained.

Up-and-coming or hot neighborhood- They are hoping this neighborhood has a future. It might have a boost in recent sales, but there are no guarantees.

As is or Cash Only-These terms can often come up on foreclosed homes. It translates to the home is in bad condition and the owners cannot afford renovations. It will also remove your negotiating power.

“Keep in mind, Florida foreclosures are a judicial proceeding and could take a year or more to complete,” says Ellsworth Buck with GreatFlorida Insurance, Florida’s leading independent homeowner’s insurance agency.

Contact GreatFlorida Insurance, if you are looking for homeowner’s insurance. Get a quote as soon as your contract is signed.  We can help you finalize the details well in advance of your closing date.

The post Decoding Real Estate Listing Terms appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
2/13/2019

“If you are in the market for a new car this year, you may want to do some research before hitting the car lots,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent car insurance agency.

Consulting expert car critics is helpful. However, car lists while beneficial, are subjective. So, listed below are a couple of different lists to give you a more comprehensive idea of the kind of car you may want to dive home.

U.S. News and World Report Best Cars 2019

The experts at U.S. News and World Report looked at performance, interior, critic’s rating, safety and reliability. Below are the 2019 models they feel are the best.

Best Car: Toyota Camry and Honda Accord- tie

Best Luxury Car: BMW 5 Series

Best SUV: Ford Expedition

Best Luxury SUV: Lincoln Navigator

While newer cars are an investment, used cars can have some drawbacks. “Cars seem to get more powerful, comfortable and fuel efficient every year,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent car insurance agency.

2019 cars are equipped with the latest automotive technology. For some, this technology translates into safety features such as automatic steering avoidance. In other cars it is seen in updated conveniences, such as features to alleviate fatigue in drivers.

If you are looking for something more than just basic transportation, the next list is for you. The people at Car and Driver have selected their best 2019 cars that are fun to drive and full of personality. These cars make a statement.

Car and Driver 2019 Best Cars

BMW M2 Competition

Chevrolet Corvette Grand Sport

Ford Mustang GT

Genesis G70

Honda Accord

Honda Civic Sport Hatchback

Mazda MX-5 Miata

Mercedes-Benz E-Class

Porsche 718 Boxter/Cayman

Volkswagen Golf

Whether your car is new or old, reliable transportation or a showpiece, GreatFlorida Insurance has reliable car insurance for you, contact us today.

 

 

The post 2019 Best Cars appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
2/6/2019

Tax season is upon us. In fact, the Internal Revenue Service has begun receiving 2018 federal tax returns.

“With the recent tax cut and Jobs Act of 2017, people can expect a lot of changes,” says Ellsworth Buck of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

You can file for free electronically through the IRS website or download paper forms. Also, tax preparation companies such as Turbo Tax and H&R Block are filing tax returns to the IRS on behalf of their customers.

What’s new

According to U.S. News & World Report, the most significant changes this year are, tax rate changes, the doubling of the child tax credit, estate tax changes, business income, alimony payments and charitable and medical deductions. Also, the standard deduction nearly doubled to $12,000 for single tax filers and $24,000 for married couples filing jointly.

“Everyone has a different tax situation, some will come out better with the new changes while some, worse,” says Ellsworth Buck of GreatFlorida Insurance, Florida’s top independent homeowners insurance agency.

How to Prepare:

Print a tax checklist from the IRS, Turbo Tax or H&R Block. Collect and file necessary tax documents such as W-2s from your employers and 1099s from your bank. Do not forget to gather charitable contribution receipts.

Pull out old returns to remind yourself of the credits and deductions you claimed the previous year.

Common life events that could affect your taxes include, marriage, divorce, growing your family, educational expenses, buying or selling a home, retirement, accepting a promotion, receiving an inheritance and dealing with a death.

Deadlines

You have until April, 15 to file your 2018 taxes electronically or postmark your paper taxes. Tax returns for LLCs and S-corporations are due, March 15.

If you are looking for reliable homeowners insurance and trustworthy agents to guide you through the insurance buying process, contact GreatFlorida Insurance today.

 

 

 

The post Tax Season: What you need to know appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance
1/30/2019

This Sunday, millions of viewers plan to watch the New England Patriots and the Los Angeles Rams as they meet up for the Super Bowl. In the U.S., 72 percent of adults plan to watch the game, while 44 million people plan to host a Super Bowl party according to an annual survey released by the National Retail Federation (NRF) and Prosper Insight and Analytics.

Hosting a house full of guests can have you playing defense. However, never fear, you have solid back up. Homeowners insurance will keep you protected.

“If you regularly host parties checking into an umbrella policy is a good idea. These policies help curb liability expenses that can happen during a party,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Below are possible scenarios you could experience on Super Bowl Sunday. Also, is an explanation on how your home insurance keeps you covered.

 

Man down

As a homeowner, you are responsible for keeping your property safe. If someone trips over a rug on the way to the bathroom and is injured, you could be held financially responsible. Fortunately, a standard home insurance policy includes $1,000 in medical coverage for injuries to guests, per person. Liability coverage is also included if you are sued for injuries.

Fired up

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.

Understandably, if you get distracted by the game and a mishap with the grill or a kitchen fire occurs, don’t worry you are covered. Dwelling coverage pays for the cost of damage or destruction to your home. If you plan to use a fryer, follow the following safety tips:

Keep the fryer at least 10 feet away from your home and never cook in the garage or on a wood deck.

Place the fryer on a level surface.

Keep children at a safe distance from the fryer.

Don’t use too much oil and over fill the fryer.

Monitor the temperature and use caution when touching the fryer, the lid and handles can be very hot.

Keep a fire extinguisher close by.

Illegal use of hands

To be on the safe side, consider hiding away your treasures that could be easily pocketed.

Keep an updated picture of your valuables for insurance inventory,” says Ellsworth Buck, Vice President of GreatFlorida Insurance.

While you don’t expect your friends to steal your stuff, you don’t always know everyone who comes over on game day. If something of yours goes missing, your personal property coverage pays to replace stolen items.

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.

 

 

The post Home Insurance Defends You During the Super Bowl appeared first on The GreatFlorida Insurance Blog.