To provide our customers with the highest quality of service and the best rates. When it comes to coverage, you can count on the professionals at Sebastian Insurance.
To provide our customers with the highest quality of service and the best rates. When it comes to coverage, you can count on the professionals at Sebastian Insurance.
We live in a tropical environment here in Florida and much of the land here is barely above sea level. We are a state with water, water, everywhere. It comes down from the sky all summer, it’s in our lakes and rivers and here in Indian River County, we are located right on the ocean. So when we get hit with heavy tropical storms or hurricanes, it is a safe bet that some flooding will occur.
There are two types of policies that cover losses due to water damage—homeowners insurance and flood insurance. These provide two separate and distinct types of coverage. They do not duplicate coverage, but complement it.
Most homeowner policies cover damage to your home caused by a sudden and accidental water event, like a burst pipe, wind-driven rain or melting snow that seeps into your home after a winter storm.
Water damage caused by poor home maintenance such as overfilled gutters, lack of roof upkeep, condensation buildup due to inadequate ventilation or ignored leaks is generally not covered.
Flood damage to your home and belongings is also not covered under your homeowner policy. For flood damage you will need a separate flood insurance policy. Information about a Flood Insurance policy is available through our office at Sebastian Insurance. If you live anywhere in south Florida, we can help you.
If you are a new homeowner, or if you have never lived in an area where flooding occurs, please give us a call and we at Sebastian Insurance can work with you to obtain Flood Insurance. Yes it costs a little more to have it than it does to go without, but I have seen the heartache that NOT having Flood Insurance can cause, and it’s hardly ever worth the amount of money saved.
Sebastian Insurance, Insurance for homes, Insurance for Cars, Insurance for Boats, Insurance for Jewelry
At Sebastian Insurance we have customers in Sebastian, Wabasso, Vero Beach, Palm Bay, Ft Pierce and Pt St Lucie and in almost those cities we have customers who drive motorcycles. Big, long distance cruising bikes, and smaller, faster and lighter bikes and everything in between.
Motorcycles are an economical and enjoyable way to get from place to place. You will get no argument on that from us, but we must not tell a lie, they are not the safest means of transportation. They leave the rider vulnerable and exposed, and if the rider chooses not to wear a helmet, they are even more vulnerable to severe head injuries.
More often than not, motorcycle accidents are NOT caused by the riders themselves, they are caused by other drivers in automobiles. In order to try and keep riders safe, the Motorcycle Safety Foundation has published these tips for Motor Cycle Safety:
“QUICK TIPS: General Guidelines For Riding A Motorcycle Safely
• Remember that motorists often have trouble seeing motorcycles and reacting in time.
• Make sure your headlight works and is on day and night.
• Use reflective strips or decals on your clothing and on your motorcycle.
• Be aware of the blind spots cars and trucks have.
• Flash your brake light when you are slowing down and before stopping.
• If a motorist doesn’t see you, don’t be afraid to use your horn.
Dress for safety:
• Wear a quality helmet and eye protection.
• Wear bright clothing and a light-colored helmet.
• Wear leather or other thick, protective clothing.
• Choose long sleeves and pants, over-the-ankle boots, and gloves.
Execute strategy (SEESM) to increase time and space safety margins.
• Give yourself space and time to respond to other motorists’ actions.
• Give other motorists time and space to respond to you.
• Use lane positioning to be seen; ride in the part of a lane where you are most visible.
• Watch for turning vehicles.
• Signal your next move in advance.
• Avoid weaving between lanes.
• Pretend you’re invisible, and ride extra defensively.
• Don’t ride when you are tired or under the influence of alcohol or other drugs.
• Know and follow the rules of the road, and stick to the speed limit.
Know your bike and how to use it:
• Get formal training and take refresher courses.
• Call 800.446.9227 or visit www.msf-usa.org to locate the Motorcycle Safety
Foundation hands-on Rider Course SM nearest you.
• Practice. Develop your riding techniques before going into heavy traffic. Know how to handle your bike in conditions such as wet or sandy roads, high winds, and uneven surfaces.”
Exchange Club of Sebastian is just one of the community organizations I belong to. When companies advertise on television, they show how their team members go out into their local communities and volunteer. I don’t like to advertise everything I do, that my staff and my family does, in our local community, but every so often I would like to share something special with you.
Each year for too many years to remember now, our Sebastian Exchange Club has put on the Blue Water Open Fishing Tournament in Sebastian Florida. All the locals get involved by sponsoring a fishing boat, donating baskets filled with goodies for the silent auction, and turning up to participate the day of.
This year we had some great silent auction and live auction items. Some of them were very expensive, so those who won them got a great deal. Still others were even more expensive and the generous members of our community bid up the price at the live auction. Maybe they didn’t get a steal of a deal, but the children and young adults of our community reap the benefit. It’s for the kids.
The Blue Water Open Tournament of 2014 earned in excess of $50,000 for our Exchange Club. Through out the year we distribute those funds to various charities, the Boys and Girls Club of Sebastian and to deserving students in local area schools. Donations are made to the Sebastian High School clubs, like the Guitar club, and individual students. The Exchange Club donated funds to the Yellow Umbrella. In fact this past year our Sebastian Exchange club presented a BIG check for $16,000 to Yellow Umbrella, which is a Child Abuse Prevention Center. Yellow Umbrella offers professional counselors who act as role models and teach parents how to be more loving and responsible to their children, through home intervention, structured classes, and training materials. The supportive relationship that develops between the parent aide and the family helps to break the cycle of abuse.”
Once you begin the remodel, if you are significantly upgrading the materials used in your home, say you are moving from a pretty standard builder grade home to something a bit nicer now that the children are grown, you may not have adequate coverage for the newly upgraded finishes.
There is also another host of concerns when you work with General Contractors on your home remodel: This information is taken from the Insurance Information Institute:
“Contact your insurance agent or representative before or shortly after the construction begins to increase the insurance coverage on your house to reflect the increase in the cost to rebuild the structure.
When hiring a general contractor, find out if the contractor has workers compensation and ask to see a copy of the policy. Workers compensation pays for medical and rehabilitation expenses and covers lost wages if the workers sustain injuries on the job. Injured workers may sue you if the contractor does not have proper insurance.
In most home improvement projects, the contractor subcontracts the builders, electricians and plumbers. The workers hired may not be full-time employees of the contractor and therefore not covered under the contractor’s workers compensation policy. While some independent builders, electricians and plumbers may carry their own workers compensation coverage, others may not.
You should verify the insurance coverage of the contractor and the subcontractors. If the coverage is insufficient, you may need to fill in the gaps by extending the limits of the liability portion of your homeowners policy.
If you purchase additional items, such as furniture, exercise equipment or electronics, you may need to increase the amount of insurance you have on your personal possessions. Keep receipts and add them to your home inventory.”
So in closing, never worry if you think you should be bothering us with questions, always call before you make changes with your home, car, jewelry, water craft. It’s better to spend a few minutes checking things out and finding that you are okay now, than it is after something happens and you learn that you aren’t adequately covered.
Bill Kriener and Associates
member of the Chamber of Commerce, Sebastian Exchange Club and BNI
Everyone probably knows by now that we need to have our Hurricane Kits on hand. The kits should contain fresh water, enough for at least three days. Canned food and snacks, enough for at least three days as well. Keep at least a half a tank of gas in each of your vehicles and have some cash on hand.
In addition to these items The Ready.Gov site lists:
“Once you have gathered the supplies for a basic emergency kit, you may want to consider adding the following items:
Even if you can’t get around to gathering all of these things, try to have as many of them gathered in a safe place, ready for when the storms come, because sooner or later they will come, and it’s impact on you and your loved ones will be even worse if you aren’t prepared.
Do you have a vintage, classic car? Are you thinking about acquiring one? Have you ever thought of Sebastian Insurance for your classic car insurance coverage? Sebastian Insurance is a brokerage and we can offer Classic Car Insurance to you. Most of the other Insurance companies don’t necessarily have this type of coverage, or if they do offer it, the terms are very restrictive. So even if you have coverage with another company, we can still take care of you classic car for you. No matter if you live in Vero, Orchid Island, Sebastian or up in Orlando, we can cover your Classic Car and here are some of the finer points as to just why our company would be a good choice:
In addition to offering Classic Car, Sebastian Insurance writes all personal lines products. What does that mean for you? It means you don’t have to work with different Insurance companies for your various policies. We have everything from auto, boat, home and we can cover your classic cars!!
What is considered a “Classic Car”? In most cases a car in one which is at the very least 10 years old, where there are only a limited number of them made, or if it is a custom made automobile. For the most part, Classic Cars are usually at least 15 years old, and cars that are older than that would be considered an antique. Most of us think of 57 Chevy when we think of classic cars, but that might not be the same way that an insurance carrier would see it. It’s best to come in or call, give us all the details so we can get an accurate quote for YOUR classic car.
This past weekend the Exchange Club of Sebastian held it’s annual Blue Water Open Fundraiser. We had opening night on Friday June 6th, with raffles, silent auction and live auction. Members of our community donated generously, and bid on the auction items with the same generosity.
As a member of the Exchange Club of Sebastian , I, along with other agents and the staff here at Sebastian Insurance our proud to be a part of this event. Our waters here in Sebastian are known far and wide as some of the best fishing anywhere in the world. Fishermen and women come from far and wide to fish here. But this event draws most of it’s participants from our local residents.
It gives everyone a chance to have a great time, join in a fishing competition, and do something good for all the kids in our community. Each year the proceeds go to support local charities and clubs like the Boys and Girls Club, Sebastian River High School scholarships and support the clubs within the Sebastian and Vero Schools.
I saw lots of boats that we insured at the tournaments. As the insurer of so many boats, I will tell you that I am certainly glad that the tournament went off without a hitch!!
On the Treasure Coast here in Florida, there is a feeling one gets living here that is different from any other place. and the ocean and river play a big part of it. For myself and others who live here, at the end of a difficult day, a short drive to the water to simply watch the waves will calm even the most frazzled of nerves. Just sitting on the sand, feet in the water, that works.
But there are other who must have a boat. They need to be out in the ocean. To fish, to explore all the little islands, or just to troll around the river on a little patio boat with friends. If you feel the need to own a boat, or even spend time on someone else’s boat, try taking this quiz, just to make certain you have the knowledge and skills you need to stay safe on the water:
At Sebastian Insurance we offer boat insurance, homeowner’s insurance, auto insurance, insurance for your valuables, and we also keep our ear to the ground for information that can keep you safe and healthy!!
If you did get some new and valuable gifts, even if you bought them for yourself, it may be time for a check up on your insurance.Do you know that the average personal property coverage on your homeowners insurance policy will probably cover only a portion of the value should those items be stolen? Don’t find out too late that your current insurance coverage is not adequate to protect your special belongings. Even if you currently carry the extra insurance to protect your valuables, it still might not be enough.
One of our Agents at Sebastian Insurance will be happy to come to your home, or have you come to the office, where we can make a list of all your valuables,the value of them, and research what to standard coverage for each of them could be. We can then help you determine what type of supplemental policy would serve you best. In the case of very valuable items, we may even encourage you to have them professionally appraised.
At Sebastian Insurance, we develop relationships with our clients, it’s never a numbers game for us, so it gives us no pleasure to tell someone who calls us with a claim that their policy is only going to cover a small portion of any loss. At the same time, we don’t ever want to be ones to have you pay more than you need to. So if it is a reverse situation, one where you have begun to divest yourself of some of your valuables, is what you are facing, then you may want to decrease your supplemental policy limits.
It never hurts to be prepared. So put “Insurance Checkup” on your to do list for the first part of the year.
Happy New Year, from Bill, and all the agents at Sebastian Insurance
Our Homeowners Insurance products can vary in the types of coverage they provide you and your family. At Sebastian Insurance we know that your home can be one of the most expensive items you will ever invest in. It is our mission to protect that investment. We offer homeowners insurance policies that will cover all the basics, but we also offer policies that go above and beyond the standard coverage for High Value homes. We do our best to find just the right coverage to suit your needs.
No one wants to pay more for a policy than they must, but it is also important to take into account high quality features in custom homes. A standard policy may not be enough when you have invested in very high end upgrades. At Sebastian Insurance we will tailor your policy to cover those types of upgrades with what we call a high value homeowners insurance policy. There are also programs which offer a significant discount on your policy premiums if you have your home professionally fortified against extreme weather and other natural disasters.
Your home is not always a house, it may be an apartment, a duplex, or a condo. Your property may be a valuable investment property. It doesn’t make any difference to us what kind of home you own, Sebastian Insurance will be there to help you with the right insurance for your situation.
If you are a real estate investor and own rental properties, Sebastian Insurance has policies that are tailored to protect not only the home, but you and your investment as well. What you pay for Homeowners Insurance will be determined by the types of coverage you choose and the amount of your deductibles. Policies can be very basic, covering just certain values, or they can be more extensive offering additional living expenses, added coverage for jewelry and electronics, medical coverage.
The pros at Sebastian Insurance will sit down with you and discuss at length your needs and desires, and work together with you to provide you with the right policy for your situation.