Simple Charts That Outline Coverages

For your convenience, we’ve created some simple charts to help you understand the insurance coverages available for your car, boat, and home. Just click on the titles below to view and download the charts. And call us at (863) 763-7711 to learn more.

Auto Insurance (English)

Auto Insurance (Spanish)

Boat Insurance

Home Insurance

We hope you find these charts useful.

Is Your Florida Home Protected Against Flooding?

Florida is well-known for its beautiful beaches and tropical climate. At the same time, this tropical paradise has its share of “thorns” in the form of tropical storms and hurricanes. If you own a home in Florida, you need the extra protection that flood insurance from Pritchards and Associates, Inc. in Okeechobee, FL has to offer in protecting your valuable investment. Here’s why flood insurance is so vital to Florida homeowners. 

Flooding Can Occur Anywhere

Although homeowners who live in flood zones are at higher risk of flood damage during hurricane season, flooding can occur almost anywhere in Florida, even if you live in a low-risk area. According to FEMA reports, approximately 20-25% of flood claims in the country are made by homeowners living outside of flood zone areas. Hurricanes in Florida are notorious for dumping substantial amounts of water all over the state, increasing your risk of flood damage, regardless of where you live.

Standard Home Insurance Doesn’t Cover Flood Damage

Standard homeowners’ insurance doesn’t generally cover flood damage. Without flood insurance, you could find yourself covering flood damage out of your pocket. Even a small flood of several inches of water can cause tremendous damage to a home’s structure, not to mention the loss of personal property. You could face paying for tens of thousands of dollars’ worth of damage out-of-pocket.

Importance of Protecting Your Assets

Your home is one of your most valuable investments. Losing a home to flooding could be catastrophic for you and your family. In addition to losing your home, floods can destroy your home’s contents, forcing you to start from scratch in recovering your assets.

For more information on flood insurance protection for your Okeechobee, FL home, and personal effects, contact an agent from Pritchards and Associates, Inc. today.  

Don’t Text and Drive

Pritchards And Associates cares about your safety on the roads. And besides being highly dangerous, texting while driving is now illegal. Here’s the scoop …

The Florida law banning texting while driving went in to affect July 1, 2019. The new law makes it a primary offense to text while driving. Therefore, police can pull drivers over specifically for texting. The first offense is a fine of $30 and a point on your driver’s license. The second offense is $60 and three points, if cited again within five years.

Entering letters, numbers or characters into a device is considered texting; this includes emails, and instant messaging. A stationary motor vehicle is not subject to the ban, so technically texting at a stop light is still legal but not advisable. The law also includes exceptions for vehicle navigation such as google maps and Waze. 

Starting Oct. 1, 2019 through Dec. 31, 2019, police will begin issuing a warning to drivers talking on a hand held phone in a school zone or construction zone (while workers are present). Then, beginning Jan. 1, 2020, they will start issuing tickets. It will still be legal to use hands-free technology such as Bluetooth under these conditions.

From a safety standpoint, it’s best to put away the devices and concentrate on driving. Whatever it is, it can wait. 

For more information about the law, please access the statute: http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0300-0399/0316/Sections/0316.305.html 

How Does Family Health Insurance Work?

When it comes to getting health insurance for your family, there are three basic options to choose from. Your situation, including your income, will determine which options you qualify for obtaining. For those who have little to no income, you may be able to get health insurance for your family through a government program at little to no out-of-pocket cost. These plans usually come with small co-pays as well, with some having $0 co-pays. If your income exceeds the minimum threshold for free government health insurance for your family, then you must choose between an employer-sponsored plan or coverage through a private insurance agency. Here at Pritchards and Associates, Inc., serving the Okeechobee, FL area, we help people just like you every day get the health insurance they need to protect their family.

Should I Get Employer-Sponsored Health Insurance?

Some employers offer really good insurance coverage, and we highly recommend getting a policy through your employer if it meets all of your needs at an affordable price. Some people can tap into an individual health insurance policy through an employer at a very low cost, but once they add on family members, the premium becomes expensive. If you can’t afford health insurance for your family through your employer, you can always visit our office.

Should I Get Private Health Insurance For My Family?

One of the top reasons to get private health insurance for your family is because it can be customized to meet your family’s exact needs. We work with clients on a daily basis, helping them customize their policies to ensure every family member receives the health coverage they need. To learn more about customizable health insurance plans for your family, contact Pritchards and Associates, Inc. serving the Port St. Lucie and Okeechobee, FL area today.

 

 

Hurricane Dorian – Important Information

Dear Customer and Friend,
 
With Hurricane Dorian approaching, currently forecasted as a major storm, I want you to know that the Pritchards And Associates Agency Family is here to assist you.  As it appears right now, Dorian will reach us on Tuesday, September 3rd (although that could surely change.) We will be closed Saturday, Sunday and Monday due to the holiday and the hurricane. As weather and damages permit, we will be open for business again as soon as possible. 
 
Should you have a claim, please do the following, being careful to follow the instructions explicitly:
 
1 – Please visit, ahead of time, our website (www.pritchardsinc.com), our blog (especially THIS PAGE), our Facebook Page (https://www.facebook.com/pritchardsinc/), and the two web pages mentioned below, so you are aware of how to reach out to both your insurance company and us, and how to report a claim and mitigate your losses.  We have a lot of information there that you will find useful to help you both through and after the storm. A list of insurance carriers and their contact information can be found HERE and HERE. 

2 – After the storm, call or email your insurance company as soon as possible. Carefully copy down your claim number and call or email us with that claim number. Be sure to state the extent of the damage and if your home is or is not livable. 

3 – Please keep our Agency in the loop if you have questions about or difficulties during the claim process. Remember, a company is only as good as the person you are dealing with. If you have problems along the way in the processing of your claim, please know that while we can’t work miracles, we often can get to the bottom of things that are slowing the resolution of a claim.

4 – For your benefit, keep a claim diary notated with the date and time of all your discussions and contacts with insurance company personnel and their titles, our Agency, your field adjuster, contractors, engineers etc. Do this from the very beginning of the claim and continue until your claim is closed. Keep a copy of all correspondence from anyone associated with the claim. You will likely be dealing with both an in-house adjuster and a field adjuster. The first one, the insurance company desk adjuster, deals with your claim in regard to your policy coverages, and the field adjuster deals with assessing the actual damages. 

5 – Also, please remember that being kind goes a long way. After the last hurricane, two of our own associates had total losses with their homes and yet they were here at work right away, helping others all day. You should be able to reach both us and your insurance company by email or phone after the storm passes. Please understand that we will be handling many inquiries and there could be a delay in getting through because of the volume of calls coming in at one time. We will have our entire staff available and on the phone helping people the first few days after the storm. 

6 – You can reach Pritchards And Associates at the following phone numbers: In the Okeechobee area = (863) 763-7711. Along the coast = (877) 763-6625.’

We pray for your safety and wish you the very best as we face this serious situation.

Sincerely,

Lowell H. Pritchard
General Lines Agent

Romans 15:13

Getting the Most From Your Life Insurance Options

You retired to Okeechobee, FL, and you want life insurance that will protect you and your family from issues. Therefore, you need to talk to us at Pritchards and Associates Inc. right away to learn more about what you can do to ensure that your policy is as high-quality as possible.

Pay Attention to Payout Rates

When buying life insurance, make sure that your policy pays out at a reasonable time. Some plans will take a few weeks to go into effect after a person dies. Others will go into effect almost immediately. The differences mostly lie in the policy cost and what you pay.

For example, more expensive policies typically utilize incentives – such as faster payouts – to get you to buy. And other plans have to pass through a few hands and get some specific execution before they work. So read through what to expect to ensure that you get the most from your policy.

Visit Your Doctor Right Away

Many people try to get a life insurance policy without talking to a doctor. This step is often a mistake because a company may penalize you if they find out you had a health problem before taking to them. However, they are willing to work with you if you have certain illnesses.

For example, if you spot a health problem that could affect your policy, you want to know sooner rather than later. When you see what is happening earlier, you can talk with your insurance provider and find a plan that is specific to that unique situation and save yourself the cash.

We Can Help You

So if you live in Okeechobee, FL and you want high-quality life insurance, please contact us at Pritchards and Associates Inc. to learn more. Our experts will sit down with you and come up with a plan that serves your needs comprehensively and effectively.

As Your Business Grows so should Your Commercial Insurance

Do you own a growing business in Okeechobee, FL? If so, it’s time to revisit your commercial insurance policy to make sure you are fully protected. Your business is your lifeline, a valuable asset that needs to be protected properly to make sure you stay in business for a long time. In the future, you can always sell your profitable business for retirement or pass it down to a family member. Either way, your business needs to be protected. Read on to learn more about adding additional coverage to your growing business.

Have You Added to Your Fleet?

If your growing business utilizes cars, vans, trucks, boats, ATVs, or even airplanes and you expand upon this fleet, you’ll need extra coverage to make sure it is protected. The knowledgeable insurance agents at Pritchards and Associates Inc. can help you expand on your policy to cover a growing fleet.

Are You Hiring More Employees?

As your business grows, so should your employee base. If this is your situation, you’ll need added coverage to protect these employees. Revisit your current commercial insurance policy to make sure each and every employee is covered.

Expanding to another Location?

Many growing businesses have more than one location. This can be across town or in another state. Adding another location will require you to update your current commercial insurance policy or add a new one. 

To learn more about protecting a growing business in Okeechobee, FL, contact the team at Pritchards and Associates Inc. serving this area. Our friendly agents will answer all your questions and concerns and help you find the best commercial coverage to protect your business.  

 

Smart Loss Control Tips for Mobile Home Owners

Mobile homes (legally referred to as manufactured homes if built since 1976) trace their origin back to the early years of cars and motorized highway travel. They have grown in size and improved in quality since the early twentieth century. Mobile homes are often beautiful and highly functional. They are also much more affordable than traditionally built homes.

Protecting this investment is of utmost importance to mobile home owners. The following are some loss control tips for people with these types of homes.

• If you have a hollow exterior door, consider investing in a solid one for better security. All exterior doors should also be fitted with high-quality deadbolts.


• Use timers on your exterior lights when not home to provide the illusion of occupancy.


• Form a neighborhood watch program if you do not currently have one.


• Install and periodically monitor fire detectors and carbon monoxide detectors. Purchase at least two fire extinguishers for your home and ensure they are fully charged.


• Verify that your home has proper anchoring. Mobile home tie-downs could protect your property and your life during high winds. Use a licensed contractor to install, strengthen, or repair your tie-down system.


• Add tie-downs to outlying structures, including carports, swing sets, and storage sheds.


• Verify that your furnace and hot water heater are properly secured to the home and not sitting freely in a utility closet.


• Install adequate skirting to discourage varmints from nesting beneath the home.

For more information, and to discuss ways to protect your mobile home from loss and liability, call a trusted advisor at Pritchards And Associates. Toll Free: (877) 763-6625.