YOUR KEY TO COVERAGE FOR:

Sebastian Insurance offers security and piece of mind for your home, auto, boat, Business, and Life.

OUR MISSION:

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 OFFER:

  • Over 25 years experience
  • Excellent customer service
  • Competitive rates
  • Right-fit Policies
  • Licensed Insurance Experts
  • Trust and Integrity
  • Local connection
  • Community Involvement

InsuranceBlog

Hurricanes and Insurance

Precautions before a Hurricane or Heavy Storm.

Claims after the storm.

Recovering from a Disaster

If you’re keeping up with the weather we know there’s a storm in the works. Of course there is no guarantee it will hit us but just to be safe we’ve described a few precautions (if you haven’t already done them) to protect your belongings. Preparing your personal items before the storm hits leaves you to focus on you and your loved ones in case of an evacuation. Also taking these precautions make the steps if you do have to make a claim less stressful.

 Take vehicles with you if you can. Cars, motorcycles, RVs. RVs are a comfortable shelter, they can keep you and several loved ones together. Don’t forget to keep safety in mind while you stay in your RV: Remember to have safety accessories, such as fire alarms and carbon monoxide detectors, installed and checked first. Boats and motorcycles can be trailered behind your car or RV, too. Secure Your Boat, RV or Other Vehicles Staying Behind

If you’re not able to bring your car, boat, RV, motorcycle or other type of vehicle with you there are other options. Park vehicles indoors when possible. If you can’t then try to find higher ground that is close to a sturdy building for more protections. Keep vehicles away from trees or poles; any large objects that can fall on it and cause damage. Make sure to secure RV awnings so wind doesn’t tear them away.

It’s best to remove your boat from the water and move it inland before a storm hits. Boats left unsecured can not only be damaged by wind or flying objects from hurricane forces, but they can float away if waters rise. If it’s secured properly, your boat is much more likely to survive a storm inland than on water.

Just make sure that if you cannot take something with you your items are secure as possible

If you’ve taken all the precautions but still find yourself in a situation where you have to make a claim after a storm, it’s important that you have Comprehensive coverage. Comprehensive coverage covers damages resulting from high winds, flooding or other weather-related factors.

Don’t just take important documents with you. Waterproof them, too.
If you have to evacuate, you should take all important documents. This means waterproof your insurance papers! Even if you don’t have to evacuate, it’s a good idea to keep these documents in a waterproof container, to help minimize time spent on the phone or working through a claim if you have to make one after the storm.

Report damage as soon as possible. If any of your vehicles are damaged, report the damage as soon as you can. The sooner your insurance company knows about it, the sooner it can begin resolving your claim.

Take Pictures of absolutely everything. Pictures can help your insurance company identify and find your vehicles if they’ve floated or flow away during a storm. They also can show items that may have been attached to your vehicle that may have been lost or damaged during a hurricane.

Your safety should always be your major concern when preparing for and evacuating because of a hurricane. Remember to give yourself plenty of time to figure out your evacuation plan, and make sure your family members or others who plan to leave with you also know the drill. You may even want to practice a couple of times to ensure things run as smoothly as possible.

Following these tips well before a storm hits your area can help you stay calm during an evacuation. Plus, knowing you’ve done what you can to prepare for a storm, as well as for any claims you might have to make afterward, can provide much-needed peace of mind during turbulent times.

If you have any other questions please call us at the office or stop by. We are here for you before and after the storm to help!

Article by Megz Montalvan

Sebastian, vero beach, InsuranceIcon

Umbrella Insurance?

What is Umbrella Insurance?

umbrella-5

A personal umbrella policy provides extra liability insurance for auto and home  owners.

Is the liability insurance you have with your auto or home policy enough to cover all  your assets? A severe car accident or damage on your property could be costly.  You’re regular home or auto insurance may not be enough to help.

 What is umbrella insurance?
Umbrella insurance adds an extra layer of personal liability protection. A single  policy covers all underlying policies you own (auto, home, motorcycle, boat, etc.) and kicks in if the liability limits on these policies are required.  And compared to the risk of a catastrophic event, We can help find an Umbrella Policy that covers all your needs to have peace of mind, always.

An umbrella policy can help cover many things we may not think of on a daily basis. Or we assume our regular policy will never exceed its limit.

Bodily Injury : The cost of damages to another person’s body. Like the cost of medical bills and/or liability claims a few examples:

  • Injuries to an person because of a serious auto accident where you are at fault.
  • Harm caused to another as a result of your dog (yeah, you probably should have taken him to obedience school)
  • Injuries to a guest in your home due to a fall
  • Injuries that happen to a neighbor’s child who falls while playing in your yard

Property Damage: covers the cost of damage or loss to another person’s property. Examples:

  • Damage to vehicles and other property as a result of an auto accident where you are at fault
  • Damage claims when your new puppy decides a friend’s priceless oriental rug would be a good chew toy
  • Accidental damage to school property caused by your child (hey, you can’t disown them)

Owners of Rentals: helps protect against liability that you may face as a landlord. Examples include :

  • Someone tripping over a crack in the sidewalk of your rental property and suing you for damages
  • Your tenant’s dog biting someone and you being held responsible for the injuries

Coverage is also provided should you be sued for:

  • Slander – injurious spoken statement
  • Libel – injurious written statement
  • False arrest, detention, or imprisonment
  • Malicious prosecution
  • Shock/mental anguish
  • Other personal liability situations

Umbrella Insurance can be confusing, we can help! Call our office or stop by for a free quote!

Sebastian, vero beach, InsuranceIcon

Watercraft Coverage

Sebastian, vero beach, InsuranceIcon

Hot sun and warm water are the norm for us here on the Treasure coast. Especially during the summer months we love to enjoy the rays out on the sandbar and the beautiful beaches of Sebastian and Vero. If you don’t already have your very own boat or watercraft maybe your thinking about purchasing one. Either way its always a good idea to get yourself covered.

Here at Sebastian Insurance you can get your own policy for your vessel or add it on to your home owners insurance. We can help you decide which is better for you at the best rate.

 You may not be required to have boat insurance but it is always a good idea. It can help with an accident if you’re on or off the water. Certain situations you may never have though about could be tragic and expensive. We want you to always feel at ease while you enjoy the time with your family and friends.
A few for instances where being covered can help:
Fuel Spills – The environmental impact from a boating mishap that results in a fuel spill could be costly. For example, if you own a 39-ft. cabin cruiser that holds 300 gallons of gas and you wreck it in a state park, authorities may hold you responsible for the fuel cleanup. If you have a boat insurance policy, you may be covered for this type of damage. If not, you could be held responsible for paying the cleanup costs out of pocket.
Noncontact Accidents – You may be responsible for your boat’s wake, so if the wash that comes out of your boat when you’re boating causes a wave that capsizes another boat, you could be liable for damage to the other boat.
Protection Off the Water – Even if you’re not boating, your boat insurance works for you. Let’s say your boat is stored at a marina in the off season. Several situations could occur  your boat falls off the jackstands and clips another boat, your fuel tank leaks, your boat catches fire, etc. In all of these situations, having boat insurance could benefit you because the damage you cause to other property would be covered. Without boat insurance, you may have to pay for damages out of pocket if no other parties were at fault and/or no other coverages applied.
We can help you decide the best policy for you without any confusion and hassel. Give us a call or stop by for a free quote today!
freeimage-1390587-high

 

1715 Fleet Society Commemoration Week

This week the Sebastian chamber of commerce is getting together for the 300th anniversary of the plate fleet in 1715.  Join us for tours around the Sebastian / treasure coast area. With educational gatherings about the Spanish fleet. July 26th to August 2nd! Check the Sebastian chamber of commerce website for more details about the 300th anniversary of the 1715 fleet society commemoration week!

Sebastian, vero beach, InsuranceIcon

Www.Sebastianchamberofcommerce.Com

freeimage-1390587-high

 

Summertime Grilling!

966315_10201605074781339_58847557_o

Its the summer here on the treasure coast! The weather is sizzling just like our grills!

Hot dogs and Hamburgers are the sign of summer. Back yard barbecues created wonderful memories with family and friends.

We must always keep in mind though that when your grilling you are literally playing with fire. Its easy for a great memory to turn into something scary. From burn injuries to damage to your home.

Here are some tips to help make sure you only cook the burgers on the grill.

Whether you prefer gas or charcoal, you should keep your grill on a level surface, away from any thing that is flammable (bushes, palm trees, fences, etc.). Never take your grill indoors! Carbon monoxide fumes are deadly. Also never leave your grill unattended or around children at play.

TIPS FOR CHARCOAL GRILLS

For our Charcoal lovers you should never add lighter fluid directly to hot coals. A flame can travel up the stream and burn you. You should also never use gasoline or kerosene to start your charcoals. Use flame -retardant mitts or long handled tongs, coals can reach up to 1,000 degrees. You can find these supplies all at our local Walmart or Home Depot here in Sebastian or Vero Beach. When your grilling is done you want to allow the ashes to cool for at least 48 hours before disposing in a non combustible container.

TIPS FOR GAS GRILLS

Gas Grills are another choice for making delicious summer meals. Before you start to cook check for leaks in hoses. Turn on your grill and apply light soapy water to the hose if there is a leak bubbles will release. Once you turn the grill off the bubbles should stop and you can call a professional to service it. If you turn the propane take off and bubbles continue make a call to your local fire department.

If your in the middle of cooking and start to smell gas remove yourself from the grills surrounding area and call the fire department. Never move your grill!

You do not want to keep propane filled tanks in your car or tuck. We live in Florida our vehicles get extremely hot and this is a serious danger. Make sure your last stop on the way home is to refill your grills tank. When storing propane tanks make sure they’re in an upright position and never indoors.

From all of us at Sebastian Insurance , happy grilling and stay safe!

Article by Megz Montalvan

Sebastian, vero beach, InsuranceIcon

 

Repair Estimates, Know the steps…

Auto and Car Insurance, Sebastian Florida

Here at Sebastian Insurance we want to make all the steps with insurance more comfortable. You know you can always call and rely on us to answer any of your questions to help you through easy or difficult situations. Insurance can be confusing and our agents will help you understand.

Something that we can help you through is when an accident happens, big or small, we are there to help guide you through the steps.

It happens to all of us at one point in our life or another. Here in Sebastian and Vero Beach we get the lovely summer thunder storms. 10 minutes of torrential down pours is all it takes for an accident to happen. Or maybe at a snug gas station someone pulls up a little too close. A shopping cart at Walmart decides to have a date with your brand new car. You can call us and we will guide you to get everything taken care of. One of the biggest headaches  after an accident occurs is that your vehicle needs to be repaired and that all begins with an estimate.

Estimates

Estimates are exactly that. Estimating the cost to safely repair your vehicle before you were in an accident. This can vary depending on labor rates, parts, and time to perform certain repairs. This breaks down to the initial estimate, supplemental and agreed price.

Initial estimate

The first step after an accident is to get your car, motorcycle, or vessel to a repair shop. A claims representative though your insurance company prepares the initial estimate so repairs on your vehicle can start. They will guide you through the choices you have to fix your car.  You can choose to let everything go through the company and they will handle everything for you, they will choose the shop for you. If you choose not to go that route you can bring your car to a repair shop in your network or to your favorite mechanic even if its out of the network.

Supplemental Estimate

When your vehicle is being repair there is a chance the mechanic may find additional damage. This is when your insurance company will step in to “re-inspect”. This is not unusual. When an accident happens somethings can not be seen during the original estimate, they cannot be physically seen from the outside. If this occurs your representative and auto shop will review the damage again together and make changes as needed for an appropriate estimate.

Agreed Price

Insurance companies write estimates based upon parts and labor cost for the repair of the vehicle. If for some reason the mechanic who fixed the car has a higher rate than your representative has come up with they will discuss the difference and work on a fair agreement. Having the insurance company there to keep you informed of all the repairs every step of the way to keep you stress free. Having an accident is enough so you don’t need to worry about anything else.

The most important part is that everyone is safe and healthy after an accident. We are also there for you if you not only your vehicle was hurt.

Contact us if you would like more information of the Repair Process.

Article by Megz Montalvan

Sebastian, vero beach, InsuranceIcon

Blue Water Open Sebastian FL

We are proud to have been a sponsor of the Blue Water Open Offshore Charity Fishing Tournament this year. The event took place at Capt Butchers in Sebastian and had an amazing turn out. All profits went to the Prevention of Child Abuse and support for other youth activities. We sponsored the vessel “Jen’s Revenge” and Amanda Merrill won the Lady Angler award for catching a 27lb. King Fish. Congratulations Amanda! We hope everyone had a wonderful time. We want to thank you for showing your support for such a great cause.

Amanda Merrill Lady Angler 27lb king fish

Amanda Merrill Lady Angler 27lb king fish

 

Sebastian, vero beach, InsuranceIcon

Emergency Kit Tips!

 

Sebastian, vero beach, InsuranceIcon

BNI Feature of the Week!

BNI FEATURE OF THE WEEK

remax

Sean Prescott

at

REMAX CROWN REALTY

945 Seastian Blvd # 6, Sebastian, Florida 32958

 Re/max Crown Realty has been providing services to the Sebastian and Vero Beach areas for over 20 years. They provide a full time staff of professionals who have received many awards including Executive club, 100% club production and Hall of Fame Awards.

When looking for the highest quality in real estate service you can pick Re/max Associates! Specializing in marketing vacant land, residential re-sales, rentals, new construction, commercial and land development. They will make your sale or purchase as effortless and smooth as possible.

Re/max Crown Realty’s Sean Prescott takes great pride and joy in his accomplishments. Not only in his work but the community as well. Sponsoring local events in Sebastian and Vero Beach with his fellow agents. He will work around the clock to make your experience as graceful as he can. When you choose Sean your definitely in the right hands.

He is truly your home grown realtor in Indian River and Brevard County. You can give him a call anytime and get started with your journey in real-estate without the stress and hassle.

sean prescottr

Phone: (772) 413-1320

Email: seanprescott@remax.net

Website: seanprescott.remax.com772-589-3054

Facebook: SeanBPrescott

Article by Megz Montalvan

Sebastian, vero beach, InsuranceIcon

The 3 second Rule…

and we don’t mean your food…

 

Sebastian, vero beach, InsuranceIcon