Author Archives: Budget Bi Rite Insurance, Inc Florida

About Budget Bi Rite Insurance, Inc Florida

We find insurance that meets every budget! Providing Quality Coverage For Over 30 Years! We are authorized agents for over 10 top companies. We take pride in keeping updated on the most current changes for the Insurance Market to get you the best rates! We offer coverage for: Auto, Home owners, Flood, Business, Boats, Transporter transportation and more! We accept all kinds of licenses, international included. We also offer a wide variety of discounts such as safe driver, Senior citizen, good student, multi car and previous insurance. Contact us at 863-453-3903 today or go to BudgetBiRite.com Serving All of Florida and for home owners insurance coverage we also serve Minnesota, Georgia, Texas, Maryland, South Carolina, North Carolina, Indiana and Pennsylvania. Budget Bi Rite Insurance, Inc 1500 US 27 South Avon Park FL 33825

Important Tips for Your Condo Insurance Coverage

Florida condo owners have insurance that is very different from homeowners and renters insurance. Even though your homeowner association carries insurance for the building, bridges, pools and the area the owners use like the lobby, you would think that you are protected too. Look closely at the sentence though, their policy covers the building, not your condo or your belongings.

Think about your condo unit as a separate entity. You didn’t purchase the building. You purchased your condo unit, so you must protect it and what is inside. You also must protect people that visit your condo unit in case they are injured. That is the reason you must purchase Condominium insurance. Your insurance will also cover damage to the building or common area that you or a visitor cause by accident or by negligence.

Condo insurance is similar to homeowners insurance in that it covers your property, liability for injuries and additional living expenses in case you cannot live in your condo due to a fire, storm damage, etc. Your hotel and meal charges are covered. Take inventory of your belongings and property using photos or video. Save receipts for new items, photograph serial numbers on your electronics and other items. Save the photos or video online and/or give a copy to someone who doesn’t live in your condo building.

When you need assistance choosing what policy is best for your condo insurance, Budget Bi Rite is there for you.

Have Questions?

Call us today to get your questions answered. 863-453-3903 

 

 

Photo Courtesy of pkamiini at Pixabay.com

4th of July – Treats – Barbecue and Desserts

244 years ago America declared independence from Great Britain on July 4, 1776. Picnics, Party’s and heading to the beach will be on the agenda for some and for others because of the Covid-19, the celebration of Independence Day will be different this year.

Even if your staying at home why not bring out the yummy 4th of July Barbecue, Side Dishes, Salads, Desserts and decorations adorned in red white and blue to celebrate.

Check out our 4th of July Pinterest Board. We have delicious recipes for Bar B Que, Desserts, Side Dishes, Decoration’s and more fun.

Have a great 4th of July and remember to drink responsibly. Don’t drink and drive or let someone you know!

Happy 4th of July!

 

 

 

Photo Courtesy of JillWellington at Pixabay.com

How To Maintain Your Home to Keep Your Insurance From Increasing Tips

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When travel through your neighborhood, it is easy to see which homes are being maintained and which are not. Their lawn is overgrown, perhaps there are missing shingles from the roof, dirty or broken windows and a lack of care that maybe a fresh coat of paint could do wonders.

Seasonal maintenance of your home helps to retain its value and prevent problems in the future. Some repairs can help keep your Homeowners Insurance policy from increasing since they include reducing safety issues such as fires or broken plumbing.

It’s helpful to keep a checklist of what you must do to maintain your home:

Check the batteries in your smoke detectors. When we change the clocks for daylight savings time we also change out the battery in our smoke detector.

Consider having a Pre Maintenance check for your air conditioning system at least once a year by a professional. A good running air conditioning system saves your money on your energy bill.

Check your doors and windows for to see if they close properly or if they need to be re-sealed. (This also can help lower your energy bill if there are leaks.)

Ask a professional how often your septic system needs to be cleaned out if you have one. Don’t wait for the overfill!

Put a roof check on your list. Do the gutters need cleaning, are vents and roof tiles loos?. If you see any damage address it immediately. If you are not sure what to look for or question anything, contact a professional roofer to help you out.

Inspect your walkways and driveway. Repair any cracks or holes. Any injury caused by this is your liability.

Remove and clear any tree branches that hang over your home or your neighbor’s home. Florida is hurricane country and keeping these trimmed up could avoid a disaster should a storm come your way. In the event of a hurricane, remove anything that can be caught up by the wind and store it indoors.

At least once a year have a Termites inspection. You don’t want to give the termites time to build their nest, yearly inspections give you the ability to catch any infestation quickly.
According to Orkin Pest Control “Termite control is done once and it will last from 6-13 years; however, a yearly inspection of the house is usually done”.

Check the expiration date on fire extinguishers and replace them as needed. Put the expiration dates on your calendar as a reminder.

Inspect your attic for openings and if you need to restore or replace installation.

Maintaining of your home can help keep your insurance costs down and also save you money in the long run.

 

Call us with any questions! 863-453-3903 or visit our website 

 

Image courtesy of Evgeni Dinev at FreeDigitalPhotos.net

Why You Have Florida No Fault Insurance Personal Injury Protection

Some states including Florida require no-fault auto insurance. Knowing about your state’s auto insurance laws will help you if you ever need to place a claim with your insurance company and what you are purchasing with your coverage.

No-fault insurance laws were designed to limit drivers ability to sue each other in case of an accident for personal injury up to the limits of your PIP policy. Each driver is required to purchase PIP (Personal Injury Protection) which is included in your policy package. Your insurance company will cover your injuries no matter who was at fault for the accident, hence PIP (Personal Injury Protection). For the damage to your vehicle, the same rules apply for liability going to the person found at fault for the accident.

PIP insures, that at least a portion of medical bills, lost wages, lost services and even funeral expenses are covered in the event of an accident. Your children, members of your household, passengers riding in your car are covered. In some cases it may also cover those you loan your car to who are not covered by their own policy. PIP will also cover you and your family on school buses, while a passenger in another car, and if you are a pedestrian and injured by a vehicle. Your coverage amount will be determined up to the limits of your policy.

The law in the state of Florida for no-fault requires you carry a minimum of $10,000 of PIP and $10,000 of property damage liability. You must be insured to drive a registered and licensed vehicle in the state of Florida for the duration of the registration of the vehicle.

If you are a seasonal or part-time resident of Florida, for at least 90 days out of the year, you are required to carry both the PIP and Property Damage Liability Florida insurance on it and the 90 days to be consecutive to require this insurance on the vehicle.

Call us today to get your questions answered. 863-453-3903

 

 

Photo Courtesy of Tumisu at Pixabay.com

Tips: Mobile Home Insurance Coverage

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There are various types of Mobile Home Insurance Policies to provide coverage for fires, storms and more.

Structure ProtectionCovers the cost to replace or repair your mobile home when they’ve been damaged or destroyed by fire, wind, and other elements such as storms. Check with your agent if Hurricane coverage is included or if you have to pay extra. Flood coverage is not included.

Personal Property Protection – Covers the cost to replace your personal property – clothing, furniture, tools, electronics, etc. when they are damaged or stolen. The same applies here for hurricanes and floods.

Additional Living Expenses – Covers additional living expenses when your mobile home is being repaired or is too damaged to reside in. This includes hotel bills, food, etc.

Liability Protection – Covers injuries to visitors, including medical bills and legal fees.
Don’t wait until the last minute to purchase Mobile Home Insurance. You will not be able to purchase any type of homeowners insurance, including Manufactured or Mobile Home Insurance when a tropical storm or hurricane is announced to hit Florida. Please check with Budget Bi Rite to learn more about these strict rules. It’s always better to be safe than sorry. There’s nothing like having to start from scratch when you’ve been through a tragic event like a hurricane and your home has been destroyed.

Contact us today if you have questions about your mobile home insurance or would like a quote.

Serving All of Florida, Minnesota, Georgia, Texas, Maryland, South Carolina, North Carolina, Indiana and Pennsylvania.

 

 

Photo Courtesy of Pixabay.com

Tips for Cooking and Essential Safety Practices In The Kitchen

The heart of the home it has been said is the Kitchen. This is the place for many, who have waited for Mom to make their favorite dish and the family can gather to talk and enjoy a good meal or Mom’s famous cookies. The Kitchen is also the place where practicing safety is essential. Here are some tips:

Handle with Care

If you have ever worked in a professional kitchen or a meat department, you know that a chef or butcher keep their knives very sharp and some even have a set of knives they alone only use. Why are sharp knives so important? A sharp knife will not slip as easily as a dull one especially if you are cutting a tomato or a food item that has a slippery surface. A sharp knife does not need as much pressure to cut and you have a better control over the blade.

When using a knife practice safe cutting techniques. If you are a beginner cook, start off slowly and carefully with your cutting. There are many different sizes and shapes for knives because each one does a number of things for the purpose of boning a fish, slicing vegetables to cutting bread. Learning what your knives are for will help you to use them more efficiently. Here are a few tips that are helpful.
Always cut away from you body
Use a cutting board that does not slip, you can put a towel under the board or purchase one that is made not to slip.
When cutting a round piece of food like a carrot, carefully cut a sliver down one side so it will lay flat on the cutting board.
Keep the knife clean knife and that includes the handle. A greasy or slippery handle can cause you to slip and possibly have an accident.
Never, never put a knife in a sink full of dish water. You could forget it is there or another person not knowing it is there could grab the sharp blade and be injured. When cleaning, always keep the sharp edge away from you and handle carefully.
A reflex to grab something that is falling is in all of us. Do Not Grab a falling knife. Let it go to the ground and get out of the way to avoid it landing on your feet.

See this great video for Basic Knife Skills

  

  

Grease Fires

For and foremost, every home should have a fire extinguisher. It should be kept in a cool dry place in the kitchen or near an exit/entrance in/out of the kitchen. A fire extinguisher should never be kept near the stove or other heat source. Make sure it is kept updated and you know how to use it.
Would you know what to do if you have a grease fire on your stove? The first thing you Do Not Want To Do is put water on a grease fire. Oil and water do not mix and you will make the fire spread. If the fire is contained to the pot or pan you are cooking with, put a lid on it and turn off the burner. Wait until the pot or pan is cooled down before handling. Get more information on how to handle a grease fire on your stove… .
Fires can also start in your microwave and oven. If you have a fire in either, do not open the door. Fire loves oxygen and this will feed the fire. Turn off the appliance, keep the door closed and watch for the fire to burn out. Any time you feel that you cannot contain a fire and it is getting out of control, get outside and call for help. See more about containing an oven fire here…

What You Wear Matters

Wearing clothes that will not interfere and catch fire. Example: long sleeve shirts and open shoes. Long loose sleeves could catch fire or get into the hot food your cooking. Drop a knife, hot food or something that is scalding and your could injure your legs and feet. Closed shoes can help prevent these type of accidents. Also its a good idea if you have long hair, to pull it up, no one likes to find a strand of hair in their meal.

Oven Mitts

Oven Mitts need to be away from the stove top and the sink. Near the stove top and they can catch fire. Near a sink and they could get wet. You use a wet Oven Mitt to get a hot pan out of the oven, or a pot off the stove and your going to get burned. Keep them in a drawer or hang them somewhere accessible but safe.

Spills and Falls

Make sure to clean up all spills on the floor immediately. Falls can happen easily and it would be terrible to fall with a scalding pot of sauce. Have rugs that stick to the floor and not slip and slide. Keep floors clutter free  to avoid tripping or falling.

Stove Top Safety

When cooking on the stove top keep the pots handles turned in so you do not accidentally knock one over. Be careful when lifting lids from a boiling or simmering pot, as the steam will be very hot and could scald your arms. Never cook with a child or baby in your arms over the stove top, they could get scalded as well. Keep your stove top free of any aprons, dish towels, packages from food products or anything that could catch fire. Keep your cooking area as clean as you can, especially when cooking with grease.

Clean Appliances Carefully

Blenders, Food Processors and any appliance with a sharp blade should be turned off before touching the blades and careful when cleaning. If you can take apart the blade section do so and put into your dishwasher.
Never leave what you are cooking unattended. If you have to answer the phone or the door, or your going to be away from the kitchen for any amount of time, turn off the burner. It is easy to get distracted and stay away longer then you thought would and this could potentially lead to burning you food and your cookware or over cooking your meal.

Cooking With Kids

When cooking with kids, safety comes first. Depending on their age, give them easy things to do away from the stove. Have them sit at a counter or table in your kitchen and stir a cake mix or make a salad. Wait until they are of an age that they can understand how to handle utensils in the kitchen and you know they will listen and be careful and thoughtful of their task. Never, never leave a child unattended in the kitchen.

Pets in the Kitchen

Pets safety in the kitchen also on the top of the list. Depending on the size of your dog, little ones can get under foot and cause an accident to you and them. Larger dogs could possibly pull food off the counter, and if its hot that would be tragic for the dog. You may want to consider keeping your pet out of the kitchen while you are cooking to avoid an accident for both of you.

Cooking should be enjoyable and safe…

 

 

Photo courtesy of congerdesign at Pixabay.com

Honoring All Who Served – Memorial Day

We honor those who have fought for our country and many people will visit cemeteries with some volunteers placing flags on the graves of the brave soldiers.
Find out more about Memorial Day Here

Cinnamon Baked Doughnuts Recipe Ina Garten

Ina Garten makes these delicious baked not fried doughnuts that she says taste just like that yummy cinnamon toast you had as a kid… Easy recipe to follow and make!

 

 

Get the recipe Here! 

 

 

 

 

Photo courtesy of anaterate at Pixabay.com

Covid-19 – Anxiety and How to Cope

This Corona-virus – Covid-19 pandemic has been changing the way we live around the world. What can you do to keep yourself, your loved ones and the people you come in contact with, healthy. It is the first and foremost objective and with that comes anxiety.

Taking care of you physically:

Wash your hands

It seems many of us may have been doing this wrong! Not a quick soap up and rinse off of your hands before heading out the door or your next project, but to actually spend 20 seconds at the sinks washing thoroughly. Not a problem.

Mask or no mask

If your not in a field of work that requires a mask, your not accustomed to wearing one all day or from patient to patient visits when necessary in the medical field. Today we are all getting lessons on how to wear them, and what not to do, (keep hands away from face, do not fuss with the mask). The most alarming thing about the masks is the medical hero’s who need them are in such short supply. See what you can do to help out with that here!

Survival Mode

Staying home the first few days may have felt like a mini vacation from your busy life, but your new day to day routine at home has you realizing that life is going to be this way for more then a leisurely vacation .

The trip to the grocery store can be filled with apprehension while trying to implement social distancing. Going out to eat, meeting with friends at a local pub are options put on hold for a little while until they slowly open again. Even with that, our lives will be different with social distancing and the options of wearing a mask. Many small businesses are suffering and will new rules will need to be implemented to accommodate their customers.

So we have to make the best we can of a situation that has disrupted our lives with an invisible monster and feel like we are waking up everyday in a survival state of mind. The wonder of what is going to happen in the future, worries about your loved ones, paying your bills, its all there and can build up anxiety. Counteracting that anxiety is key and using coping techniques to help us all through this hard time.

Taking care of you mentally

Lori Helms, a Licensed Mental Health Counselor in Sebring, Florida has a very helpful article about experiencing anxiety and how to cope. Take a few minutes to see how this can help you or someone you know.

COVID-19: Coping With Anxiety During This Difficult Time

Prayers for all to keep healthy!

 

 

Photo courtesy of Wokandapix at pixabay.com

COVID-19 – DIY Face Mask – How To Care For – Patterns and Instructions

DIY homemade masks are not going to give you the protection a meidal (n95) masks will. They will however provide you with helping slow the spread of COVID-19, according to the Centers for Disease Control and Prevention (CDC).
The CDC recommends the Cloth Face Coverings (masks) “fit comfortably but snugly, have multiple layers of fabric, allow for breathing without restriction and be made for washing and drying without damage or changing shape”. See all their recommendations Here for keeping them clean, safely removing them and more. They also provide information of what materials will be needed and a tutorial to make a homemade mask.

Here are some other places that offer DIY homemade mask tutorials and patterns.

DIY Face Mask with Elastic in 10 minutes – Sewing Tutorial
Melanie Ham shows you an easy way to make a mask using elastic.

Melanie shows you how to make a DIY Face Mask with Ties, Fitted Nose and Filter Pocket

Want to volunteer?
Joann Fabrics is asking volunteers to help support our Country’s Medial Personal and their goal is to have 100,000,000 million masks donated. Today the number of masks donated is 33,213,645, wouldn’t be great to see them reach their goal! Get the information here is you would like to contribute.

Free Mask Sewing Pattern from Craft Passion
Very helpful instructions with step by step photos, a video tutorial and printable patterns. Scroll down to the photo of the family wearing the face masks to see the list in red for Men, Women/Teenagers, Kids, with 3 options for for download. Hint: You could just print and cut out the patterns and use your copy paper and pins instead of the freezer paper.
Get the pattern and DIY instructions Here

Stay home, wash your hands and please implement social distancing to help avoid the spread of the COVID-19

Photo courtesy of fernandozhiminaicela at Pixabay.com