Risk Tips - Laureate Insurance Partners Risk Tips - Laureate Insurance Partners

Risk Tip: Home Office Safety

It’s Home Office Safety and Security Week! Business Owners, did you know that if your home is your headquarters that your homeowners insurance may not necessarily cover your home office... ...
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Lake Nona Houses

Risk Tip: Home Insurance

To better understand the unique needs of our clients, we are purposefully situated in the heart of the community we serve.  We have strong partnerships with the builders and Homeowner’s... ...
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Risk Tip: Insurance Claims

Always get in touch with your mortgage lender if you must file an insurance claim. In most cases, your lender needs to be made aware of an insurance claim. Why... ...
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Risk Tip: Don’t Drink and Drive

Use a car service to get home from your holiday parties. Average Uber/Lyft: $25-45 Average DUI Fees: $4000 Average Car Insurance Increase: $1,100 Choose wisely and get home safe! Contact... ...
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Risk Tip: Document Everything for an Insurance Claim

Having a well-documented paper trail for your insurance claim is key making the process as painless as it can be. Save all your receipts, take pictures of everything, ask for... ...
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Risk Tip: Auto Insurance Deductibles

Deductibles are what you pay before your insurance policy kicks in. By requesting higher deductibles on your auto insurance, you can lower your policy cost. For example, increasing your deductible... ...
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Risk Tip: Comprehensive Auto Coverage

Did you know that comprehensive auto insurance covers you and your vehicle with unexpected things such as fire, hail or floods? This is something to consider if you live an... ...
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Risk Tip: Compare Auto Insurance

Car insurance takes a variety of factors into consideration for how much it costs such as the price of the car and how much it is to repair it. Be... ...
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Risk Tip: Replacement Cost Vs. Market Value

Replacement cost is how much it will cost to rebuild your home with similar types and quality of materials. Market Value is the actual cash value of the home. These... ...
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Risk Tip: Your Home Location Matters

You may pay a lower homeowners insurance premium if you live near a fire department. There are other factors to consider such as how effective the fire department is, the... ...
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Risk Tip: Main Water Shut-Off

Water damage is one of the most common types of homeowners insurance claims and every year 1 in 50 homeowners will file a water damage claim. Be sure to know... ...
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Risk Tip: Halloween Risks

When decorating your homes for Halloween, the risk that someone may slip and fall while navigating these spooky displays increases. Homeowners could face insurance claims if guests hurts themselves and... ...
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Risk Tip: Defensive Driving with Animals

Each year, thousands of animal-related collisions are reported. These accidents can cause serious injuries and costly vehicle repairs. Living in Florida, this is a risk we know all too well,... ...
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Risk Tip: Check Your Smoke Alarms

A working smoke alarm considerably increases your chances of surviving a fire in your home. Replace the batteries twice a year, unless you are using 10-year lithium batteries. Install smoke... ...
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Satellite view of multiple storms brewing in the Atlantic Ocean

Risk Tip: Make an Evacuation Plan

While you’ll no doubt get instructions from the local government, it’s wise to create your evacuation plan well before a hurricane. MAKE A PLAN Even if there is no threat... ...
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Risk Tip: Got a pool? It may be a good idea to increase your liability coverage.

A standard home insurance policy will typically offer a minimum of $100,000 of liability protection for a homeowner. However, we recommend increasing coverage to $300,000 or $500,000 especially if you... ...
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Risk Tip: Safety Features = Savings

You may be able to save on insurance premiums by looking into safety and prevention features that often merit a discount. Consider purchasing monitored burglar alarms and security cameras both... ...
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Risk Tip: Don’t Neglect Renters Insurance

Bundling your renters insurance with your other policies can be an easy way to save money. We can check with your auto insurance company to see if they offer renters... ...
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Risk Tip: Hurricane Coverages and Deductibles

We are in the heart of hurricane season, so it is a good idea to review your homeowner’s insurance policy coverages and deductibles. Are you fully covered in case of... ...
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Risk Tip: Gulfstream Policyholders

On July 28, 2021, Gulfstream Property and Casualty Insurance Company (“Gulfstream”) was ordered liquidated by the Second Judicial Circuit Court in Leon County, Florida. The Florida Department of Financial Services (“Department”)... ...
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Risk Tip: HVAC Maintenance

In Florida, our AC units are really put to the test during the summer months with temperatures reaching well above the 90’s. The following checklist should be performed on your... ...
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Risk Tip: Driving in a Work Zone

Driving around Florida, we all know that construction on the roadways seems to be a never-ending thing. To keep everyone safe, we urge you and all drivers to pay attention... ...
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Risk Tip: Pool Safety

Summer is here and if you have a pool in your backyard, it’s probably a good time to consider all steps you can take to ensure you and your family... ...
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Risk Tip: Filing a Hurricane Claim

WHAT TO DO IF YOU HAVE DAMAGE If you need to report a claim, please contact the insurance company directly. This will ensure the fastest service and processing. We also have... ...
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Risk Tip: Stay Safe this Summer

Summer is almost here and with schools closing, that means more time for family vacations! After a year of being inside and now that vaccines are being rolled out more,... ...
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Satellite view of multiple storms brewing in the Atlantic Ocean

Risk Tip: Prepare for Hurricane Season

Hurricane season is something that Floridians are all too familiar with, but when it comes to being prepared, you can never over do it. Please take a moment to get... ...
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Risk Tip: Preparing for Floods

If you call Florida home, the potential for floods is nothing new. Even if you don’t live in Florida, you still are at risk to experience flooding. Flooding is one... ...
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Risk Tip: Healthy Living

Trying to live a healthier lifestyle can be a little complicated at times. There are so many different facets of life to improve upon such as weight management, physical health,... ...
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Risk Tip: Boating Safety

Summer is right around the corner! While many of us may be ready to hit the water — we at Laureate Insurance want to make sure you are equipped with... ...
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Risk Tip: Emergency Auto Kit

If 2020 has taught us anything, it is to expect the unexpected. That is why is it crucial to get prepared before an emergency arises. We have put together a... ...
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Risk Tip: Importance of Home Maintenance

Have you heard that saying, “the days go by slow, but the years go by fast?” That saying seems so apropos when it comes to home maintenance. While it feels... ...
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Risk Tip: Holiday Safety Tips

The holiday season is a great time to celebrate with family and loved ones, a day to eat, drink, and be thankful for all we have. While we know that the... ...
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Risk Tip: Coverage for Holiday Gifts

Giving Jewelry for the Holidays As with most celebrations, jewelry is at the top of the list for gift giving. Thinking of gifting a piece of expensive jewelry or a... ...
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Risk Tip: Halloween Safety

MAKE YOUR HOUSE LOOK OCCUPIED To prevent theft or vandalism, we recommend making your home look occupied. Leave on lights inside your home if you’re not going to be there... ...
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Santas hat on top of a suitcase

Risk Tip: Holiday Travel Safety

  PREPARE YOUR HOME WHILE AWAY When you are traveling for the holidays, burglars could target your home. Having an alarm system installed can help keep burglars out and in... ...
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Lightning strike

Risk Tip: Lightning Safety

Lightning can cause damage to you, your home, and your valuables. It’s critical to take steps to prevent the dangerous effects of lightning and to keep you and your family... ...
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Older mother with adult daughter smiling

Risk Tip: Life Happens!

In its simplest form life insurance policies are designed to cover loss of income, end-of-life expenses, funeral costs or other financial needs that your family may have in the unfortunate... ...
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Risk Tip: Insurance Fraud Awareness

After a natural disaster, unethical vendors or public adjusters may approach you with schemes promising to put you in a better position than you were before the catastrophe. These schemes... ...
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Two set of hands holding an icon of a home that is broken in half

Risk Tip: Storm Recovery

A week ago today most of Central Florida was preparing for what was expected to be a direct hit from Hurricane Dorian.  We saw how quickly it grew into a... ...
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Satellite view of multiple storms brewing in the Atlantic Ocean

Risk Tip: Storm Preparedness

While we hope the storm doesn’t impact you or your family, we want all of you to know that we are fully prepared to help you or your business in... ...
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Repairman fixing air conditioner unit above door

Risk Tip: Equipment Breakdown Coverage

Equipment breakdown insurance fills the gaps in your homeowner’s insurance since most policies don’t cover the cost of repairing and replacing your home equipment when it breaks down.  However, that... ...
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traffic guard crossing road with pupils in front of school bus

Risk Tip: Back to School Safety

Safely Share the Road with School Buses: If you’re on an undivided road then do no pass a bus from any direction. Traffic must stop if the yellow or red... ...
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Person walking through flood wearing rainboots

Risk Tip: Guide to Flood Insurance

Guide to Flood Insurance Watch as Laureate Insurance Personal Risk Advisor, Julie Newman, discusses pertinent information regarding flood coverage in Central Florida . Contact the Laureate team here for more... ...
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cute funny pupils running through school corridor

Risk Tip: Tax-Free Weekend 2019

Key Things to Know about Back to School Tax Free Weekend 2019  ·        It lasts 5 days vs. last year’s 3 days Friday, August 2nd – Tuesday, August 6th  ... ...
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Nice development of new townhouses

Risk Tip: Understanding Town Home Insurance

At Laureate Insurance, we understand the differences between owning a home and renting. And when it comes to protecting your town home, it’s important to understand that insurance for a town... ...
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Satellite view of multiple storms brewing in the Atlantic Ocean

Risk Tip: Lake Nona Hurricane Preparation

Click below to watch this interview of our Personal Risk Advisor Julie Newman to learn more! https://www.youtube.com/watch?v=t1BtA57ErI0&feature=youtu.be ...
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Contractor Field Research Future Construction Site. Field Work. Caucasian Worker and His Company Pickup Truck

Risk Tip: What is AOB?

ASSIGNMENT OF BENEFITS Have you heard of assignment of benefits or AOB for short? More importantly do you understand the impact of signing an assignment of benefits over to a... ...
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Group of friends celebrating holding sparklers

Risk Tip: 4th of July Safety

4TH OF JULY WEEKEND Independence Day festivities are well underway and we hope that all of our neighbors have a happy and safe 4th of July weekend!  For that reason... ...
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Cheerful young family running on the beach with copy space. Happy mother and smiling father with two children, son and daughter, having fun during summer holiday. Playful casual family enjoying playing at beach during vacaton.

Risk Tip: Summer Safety

Summer Safety Tips BEAT THE HEAT Summer is all about being outside, but make sure that the heat doesn’t ruin all of the the fun for you and your family. ... ...
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Man in modern boar cruising on open water at a high speed

Risk Tip: Boat Safety

Boat Safety Summer is finally here! While many of us may be ready to hit the water — we at Laureate Insurance want to make sure you are equipped with... ...
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sinkhole in the concrete of a road

Risk Tip: Sinkhole Coverage

Sinkhole Coverage  WHAT IS A SINKHOLE? Florida law defines a sinkhole as “a land form created by subsidence of soil, sediment, or rock as underlying strata are dissolved by groundwater.... ...
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Risk Tip: Smart Insurance Strategy

Smart Insurance Strategy  We invite you to watch Stockworth TV’s interview with our Personal Risk Advisor Julie Newman discussing Lake Nona’s Smart Insurance Strategy.   For a personalized risk evaluation, please click... ...
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Multiple jewlery gift boxes with silver jewlery inside

Risk Tip: Personal Property Coverage

Giving Jewelry this Mother’s Day As with most celebrations, jewelry is at the top of the list for gift giving. Thinking of giving your mom a piece of expensive jewelry... ...
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Person walking through flood wearing rainboots

Risk Tip: Preventing Water Damage

Tips on Preventing Water Damage Here are a few tips to prevent water damage:  ·        Leaky plumbing and water heaters – plumbing should be inspected annually and repaired for signs... ...
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leisure, road trip, travel, family and people concept - happy man and woman driving in car

Risk Tip: Insurance Discounts

Savings Are in Bloom This spring, we want to make sure that you are taking full advantage of all the discounts you can possibly get when protecting the things that... ...
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Grey house with blue door

Risk Tip: Homeowners Insurance

Don’t Stress About Your Homeowner’s Insurance In order to understand the unique needs of our clients, we are purposefully situated in the heart of the community we serve.  We have... ...
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