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About budgetbiriteinsurance

We find insurance that meets every budget! We are authorized agents for over 10 top companies including, Progressive, Bristol West, Mercury Insurance, 21st Century and more. Our company takes pride is keeping updated on the most current changes in the Insurance Market to get you the best rates! We offer coverage for: Auto Boats, Motorcycles Homeowners Manufactured/Mobile Homes Service Professionals Garage liability Migrant workers transportation 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 Budget Bi Rite Insurance 1500 US 27 South Avon Park FL 33825

What You Need To Know To Prepare a Thanksgiving Turkey

id-100475624Cooking a Thanksgiving Turkey really comes down to four easy steps.

The preparation of the Turkey starts with whether it is fresh or frozen. No one wants to wake up Thanksgiving morning to a half frozen turkey, so defrosting ahead of time is essential. According to the USDA you will need at least 1 day per 4 -5 pounds of turkey defrost in the refrigerator.

Here is a chart for thawing in the refrigerator:

4 to 12 pounds – 1-3 days
12 to 16 pounds – 3-4 days
16 to 20 pounds – 4-5 days
20 to 24 pounds – 5-6 days

There is another method you can use by submerging the wrapped turkey in cold water and changing the water out every 30 minutes.

4 to 12 pounds – 2 to 6 hours
12 to 16 pounds – 6 to 8 hours
16 to 20 pounds -8 to 10 hours
20 to 24 pounds – 10 to 12 hours

Now that you have a defrosted turkey it’s time to move onto the next steps , preparing, stuffing and flavor.

Easy Roast Turkey for Beginners for the Holidays!

Stuffing with Sausage


How To Carve A Turkey

Wishing you a very Happy Thanksgiving!

 

 

 

 

 

 

 

Photo Courtesy of Apolonia at FreedigitalPhotos.net

Fun Things To Do For the Family This Thanksgiving – Macy’s Parade – Games and Free Print Outs

thanksgiving-1009127_640Macy’s Thanksgiving Parade, Turkey with all the trimmings and Football, Thanksgiving is a fun filled day for the entire family and friends.

While you are getting your day ready and crossing things off your to-do list, have some fun prepared for the rest of the family.

Start the day off with the 92nd Annual Macy’s Thanksgiving Parade November 28th, which starts at 9 a.m. and goes to 12 pm in all time zones. If you cannot be there in person, watch it from home on NBC and Verizon 360 livestream. See Macys website for more…

Have fun playing Thanksgiving Bingo! Go Here to download Bingo Cards just for Thanksgiving.

Thanksgiving table just for the kids

Make a table cloth from brown paper and size it to your table. Add drawings for the kids to color in.To draw out Turkeys, trace around your hand and in between fingers with a black marker. Make sure that the your fingers are spread out flat on the paper. Add a dot for the eye, a beak, wattle, legs and feet. You could also draw and outline of Pilgrims and Indians, pumpkins or whatever Thanksgiving theme you would like. Place a small cup with a few crayons on table in front of each chair. If you would rather have coloring pages or get ideas for drawings at each seat, go here for free pages you can print out.

Have a pumpkin hunt

No, you don’t use real pumpkins for this hunt. Most of your craft stores should have plastic mini pumpkins already to go for you. Depending on how many kids will be participating, will determine how many pumpkins you will need. You can hide them inside or outside or both. Have a number on one of the pumpkins that will lead to a big prize and numbers on random pumpkins for smaller prizes, this way everyone will win something.

Great Photo Op

Let them be a Pilgrim or Indian! Easy to do out of paper and construction paper. Get instructions for the Pilgrim Hat Here, Bonnet Here also an Indian Headdress Here and Turkey headband. Have the kids participate or make them up ahead of time. Once they have them on get a memorable photo.

Thanksgiving is a special day for family and friends. People will travel far and wide to make it home for the love of family and the Turkey Feast. Make this a safe holiday and please don’t drink and drive.

 

Happy Thanksgiving!

 

 

 

 

Photo Courtesy of EScwartz at Pixabay.com

4 Thanksgiving Recipes Using The Instant Pot Cooker

Kristen from Six Sisters’ Stuff over on YouTube has 4 great recipes using your Instant Pot cooker to make your Thanksgiving Dinner easier and full of flavor!

She share recipes for:
Turkey, Stuffing, Green Beans and Mashed Potatoes

She also offers cooking time and tips for each recipe. One tip is to make sure your turkey will fit in your Instant Pot cooker when picking it out.

Observance: After you cook the turkey (or turkey breast as she does) you can get that browned crispy skin by place the turkey in a pan and putting it under the oven broiler. This should just take a few minutes and keep an eye on it so it will not burn but turn brown just like you cooked it in the oven the whole time.

 

 

If you have an instant pot, you will love these recipes!

Thanks Kristen! Happy Thanksgiving!

Party Decorations and Treats Ideas DIY For Halloween

ID-10038543It’s Halloween coming up, are you ready for a party? Whether you decorate a little or for a haunted house it does not have to cost you a lot if you are creative. Even the food can be a part of the fun decorations.

It’s Halloween, are you ready for a party? Whether you decorate a little or for a haunted house it does not have to cost you a lot if you are creative. Even the food can be a part of the fun decorations.
Go over to our Pinterest Page Halloween for Party Decoration and Treats Ideas

Here are some of the pins for creating great food and decor for Halloween:

 

Chocolate Dipped Candy Corn Rice Crispy Treats
Spooky Halloween 7 Layer Dip Recipe
Mini Caramel Apples Recipe
Strawberry Ghosts
Halloween Mummy Jalapeño Poppers
Halloween Table Decorations
DIY Spider Web Ball Jars
Five Easy Halloween Games For Kids
11 Ways to Make Your House Look Haunted
34 Inspiring Halloween Party Ideas for Adults

Keep Halloween stress free and safe as you can. Visit the American Academy of Pediatrics (AAP) for safety tips from costumes to trick or treating. Check out  Halloween Safety Tips

Happy Halloween :}

 

Photo Courtesy of digitalart at FreeDigitalPhotos.net

 

Fun and Easy Pumpkin Decorating For Halloween

ID-10038558 Have fun with the entire family by painting, adding decals and more for a funny or scary pumpkin.

Pick Your Pumpkin

Pumpkins are easy to get this time of year, whether it is a fresh found in grocery stores to farmers market. You could also opt to get a faux pumpkin and use it year after year. Check out your local craft stores for those.

Using Paint and Markers

For both the fresh pumpkin and the faux pumpkins, acrylic paint works best. Paint the entire pumpkin or just use the paint for a scary face or cartoon style. Use different size brushes and colors . You could also use markers either of the pumpkins and the best ones are Sharpies. The “Sharpie Markers”are able to stand up to the layer of wax that is on the fresh pumpkins.

Head on over to ThePumpkinLaday.com and choose from 700 Free Carving Patterns. While these can be used to draw on the pumpkin and then carve, you could also trace and then paint or use markers to make the Halloween scene. If you want to carve your pumpkin then check out The Pumpkin Lady’s page for How To Carve a Pumpkin

Skip The Paint – Go With Decals

For a fun and fast way to decorate your pumpkins, add decals and stickers. Sold in Craft stores.

Adding the Extra’s

Ribbons, hats, wigs and fuzzy accents bring out the creativity for your pumpkin. You could use yarn for hair, ribbon for bow ties and more.

Don’t want to carve free hand? Try the cookie cutter method. Check out this video below to show you how!

Wishing you a Fun and Safe Halloween

 

 

 

Photo Courtesy of digitalart at FreeDigitalPhotos.net

Tips: What To Do After A Flood

flood-139000_640When floods occur from flash flooding (sudden rapid rising of water along streams or low lying areas) Severe Thunder Storms, Tropical Storms and Hurricanes, the streets and your yard could be covered. The number one catastrophe from flooding is drowning and occurs mostly during flash floods.

If you are under a flood or flash flood warning be prepared to evacuate and head out for higher ground

Keep your cell phone charged and be alert to the weather stations for information. Have a Radio on hand to local stations in your area. Don’t forget to keep stocked up on batteries. The NOAA Weather Service has a website and radio station to keep you up to date for flood warnings, hurricanes, tropical storms and other critical information you will need.

Stay Out of The Water

Walking through standing or moving water can be hazardous. Only 6 inches of moving water above your ankles can make you fall. Standing water can also build up microorganisms that contaminate and cause skin disease.

Electricity and Water Do Not Mix

The number two cause of death due to flooding is electricity wires and power lines down and even in the water. Electricity can make a pond or standing water charged and deadly. Stay away from them, do not test to see if they are active. Contact your electrical company immediately if you see power lines or wires in or near any water.

Returning Home

If you had to evacuate, return home when officials have stated the area is safe.
Before you enter your home, check the outside and your property. Look for down power lines and gas lines that may be damaged. If you smell gas or hear a hissing noise, contact the fire department immediately. Keep pets and children away from the water and any dangerous places.

Approach your property carefully and check for any entry way damage, roofs that may be falling down, cracks in walls, windows and any outside damages.

Inside your home may have chemicals such as cleaning supplies, gasoline from the garage, and other things commonly used in the home that are now scattered and need cleaning up. Wear gloves and protective clothing and rubber boots.

Check for snakes, some may be poisonous, and small animals on your property and inside your home, that may have come in with the flood.

Check your food and make sure to throw out anything you question. Throw away anything that has been effected by the flood waters. Do not use the waters for washing dishes or baths, ice cubes, or anything, remember this water is contaminated. Check with your local public heath department for a boil water recommendation or for treatment of any water.

Take pictures right away of any damages as your are checking your property and home for insurance purposes. If you can send the pictures to your email or upload to a photo website where you can store them. If anything happens to your camera or phone that takes pictures, you have a back up.

Contact After The Flood

Go to the RedCross.org/SafeandWell website and register. After a storm or event if you have internet access you can go online and let your friends and family know you are ok. If you do not have internet access you can call 1-800-GET-INFO and register or to let everyone know your ok.

Flood Insurance Tips

Homeowners Insurance does not cover flood damage. Flood Insurance is separate policy. Even if you do not live in a flood zone, consider flood insurance in Florida. Once their is a tropical storm or hurricane, in your area, there is a possibility of flooding. Without flood insurance you will pay out of pocket expenses for the damages. In many cases, it takes 30 days after the purchase for a policy to take effect contact us today for more information.

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

 

Photo Courtesy of Pixabay.com

 

What is Wind Damage – Flood – Storm Surges from Hurricanes

Tropical Storms have winds from 39-73 mph. The are not as strong as a hurricane, but have the potential to do damage. Hurricane winds range from 75 mph and up. The stronger the winds the higher the category number for a Hurricane.

Category One – 74-95 mph
Damage to mobile homes and manufactured home that are not anchored, shrubbery, trees, some coastal flooding and minor pier damage. Loss of electricity. Storm surge 4-5 ft

Category Two – 96-110 mph
Damage to possible destruction of mobile homes, manufactured homes, roofs, windows, trees, shrubbery, small craft in unprotected anchorages. Loss of electricity. Storm surge 6-8 ft

Category Three – 111-130 mph
Mobile homes are destroyed. Damage to small residences and utility buildings. Structural damage to homes possible. Flooding well inland very possible. Loss of electricity. Storm surge 9-12 ft

Category Four – 131-155 mph
Extensive damage to loss of curtain wall (an outer covering of a building in which the outer walls are non-structural, used to keep out the weather.) Roof damage to destruction, damage to homes in general, flying debris, flooding, beach erosion. Loss of electricity. Storm surge 13-18 ft

Category Five – 155 mph+
Catastrophic Damage to what ever is in its path. If you do not have to be in a category Five Hurricane, Evacuate! This can cause, Roof destruction, loss of any utility buildings, major flooding to lower floors and all buildings and homes on or near a shoreline. Total destruction to mobile and manufactured homes. Extensive damage to homes and buildings. Flooding. Loss of electricity. Storm surge 18 ft +.  Hurricane Dorian Category 5, reached up to 185 mph with over 200 mph wind gusts over the Bahamas. Taking about the same route as Hurricane Andrew in 1992, this is very scary for all concerned in the Bahamas and Florida Coast.

If you live in a high rise building at the highest floor, you are likely to see more wind damage then on the lower floors, being the wind is stronger at higher levels. Lower levels may experience flooding, depending on the storm surge and category of the hurricane. If you are renting, be sure you have renters insurance, your landlords insurance may cover the building but not your personal belongings.

Hurricane winds are preceded by Tropical Storm winds and should not be taken lightly. Hurricane force most intense winds are on the right side of the eye wall. The eye wall (the inner circular formation of the hurricane) carry the highest winds and rain surrounding it. If you have the eye of a Hurricane coming over your area, you will experience a lull in the storm. This could be for just a few minutes to more depending on the size of the eye, how many miles across, and you do not want to be outside when the eye passes completely. The winds will pick up again for the other half of the storm.

Check your home owners insurance before a hurricane is near your area to be sure your up to date. Once there is a watch issued binding restrictions take place within the carriers and aren’t lifted until the storm passes..

Flood insurance is not a part of your homeowners insurance coverage and you will have to purchase it separately and will take 30 days to go into effect. Even if you are not in a flood zone, when there is a hurricane in your area, you will run the risk of possible flooding. Purchasing Flood Insurance would be a good idea before the Hurricane season starts.

Contact Us today for a homeowners and flood insurance questions or quotes at 863-453-3903 or visit our website budgetbirite.com fill out the form and we will have an agent contact you within 24 hours.

 

 

 

Photo Courtesy of TipsDave at Pixabay.com

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How To Prepare Your Child for a Hurricane

hurricanefloridaHurricanes can be very scary, wind howling, rain, and the possibilities of Tornado’s. We prepare the best we can, keeping a chart of the on coming storm, getting in supplies and making sure there is enough water for the days when there will be no electricity and possibly no drinking water.

Your children should be a part of your preparations. Let them know about how a hurricane works in a basic way they will understand depending on their age and always assure them that they can be safe.

Depending on the strength of the storm and what type of home you live in, you may be required to go to a shelter. Uprooting your kids, and then taking them to an unfamiliar place can be stressful for you and them. Prepare them ahead of time by packing a special suitcase or backpack with their clothes and special toys, coloring books, or stuffed animal they are attached to and let them know they are going to a safe place from the storm. Even if you do not have to leave, you and your children are prepared to go quickly.

If you are staying in your home during a hurricane, let them know that their lives after the hurricane will be different. The TV, video game machines etc, may not be accessible to them because there will be no electricity. Think ahead and have them help you prepare a space in a room, or a table with books, paper, crayons, craft supplies for small projects, puzzles, cards, etc. It would be a good idea to have them do the grocery shopping with you to and have special treats to look forward to. They will also see that shopping for a storm is different then your normal grocery list.

With the storm approaching, ask them if they have any questions about the storm and what fears they may have. Addressing these fears with them and letting them know that you are there for them will be less stress on them.

Is your hurricane insurance coverage up to date? Once there is a Watch issued, binding restrictions take place within the carriers and aren’t lifted until the storm passes.

Call us today to get your questions answered. 863-453-3903 or visit our website budgetbirite.com fill out the form and we will have an agent contact you within 24 hours.

 

 

 

Photo courtesy of 12019 at Pixabay.com

Insurance Coverage for Rental Car Provision Why You Need It

Your ready to go, walk outside and discover you have no means of transportation. Your car won’t start. Your plans at the moment have been changed. Another loss of your vehicle could be if you have an accident and your vehicle is in the shop for repairs. For many of us, the loss is a large inconvenience. How will you get to work, take the kids to school, just plain out go where you need to go.

You call your insurance company and are probably looking through your coverage for what is covered if my car is stolen or if it needs repairs due to an accident.

Will your insurance company provide you with a rental car?

Check your policy, see if you have purchased rental vehicle coverage. This coverage does vary, but most companies pay up to a specified amount per day for a length of time specified in your coverage.

Find out when your coverage ends. Is it when your vehicle is repaired, the stolen vehicle coverage paid, or after a specified period. You need to know where you stand.

Taking a few minutes now to go over your policy can save you expenses later.

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

 

 

Photo courtesy of StockSnap at Pixabay.com

How To Stay Safe Inside During a Thunderstorm and Why You Should Avoid the Bathroom

Summer in Florida brings Thunderstorms mainly in the afternoon. We all have the good sense to seek shelter when a storm is approaching, but did you know that you still have to be safe indoors.

Florida is known for lots of lightning. It is considered the leading most lighting tending state in the country. Others are Louisiana, Mississippi, Alabama, Oklahoma and South Carolina.

The National Weather Service warns  that if you can hear thunder, you have the potential of being struck by lightning. Once you see lightning, thunder can be heard up to 10 miles away. As soon as you see lightning, count in seconds until you hear thunder. Thunder takes about 5 seconds to travel a mile. Find a safe place and start counting, after the flash of lightning wait until you hear the thunder and divide that amount by 5 to find out how far away the lightning is.

Once you seek shelter, what can you do to protect yourself inside?

Here are some tips :

Stay off of a landline phone. The lightning could hit phone lines outside of the house and go through the wires inside the home to the phone. Do not want to be on the other end of that! Use a cell phone or a cordless phone.

Anything to do with pipes and water like, taking a bath, shower, washing dishes. Lighting likes to travel and if you have metal pipes it will travel through them sending an electrical charge on its path. Most homes today have PCV pipes, but better to be safe then sorry, wait until the storm is over.

Save your appliances and anything plugged in to an electrical outlet. If your home gets struck by lighting anything plugged in could be damaged permantley and be a pathway to harming you. When you hear a storm approaching unplug your appliances, TV and  computer to be on the safe side. Also turn off your air conditioner, that would be a big inconvenience, especially in the summer, to have to go without nice cool air for any amount of time.

In Florida a couple found out just why you should avoid the bathroom!

Toilet Explodes from Lightning Strike!

 

 

 

Stay safe and wishing you a great summer!

 

 

 

Photo courtesy of JohnsonGoh at Pixabay.com