New Years Resolutions Challenge – Inspire Your Goals For 2017

new-year-1925726_640It’s that time of year again, when we reflect on the past year and what we want to change in this brand new year coming up. How many New Years Resolutions do you want to set and how many do you intend on achieving? New goals, can help make this year better like focusing on eating healthier, losing weight, getting more organized or trying something new.

Put yourself to the challenge, don’t give up so easily in the second week of January, because the diet you started on New Years day has gotten old or cleaning out the garage is not quite finished. From being more organized, trying a new craft to saving for those pair of shoes you thought you could only dream of wearing, every day of 2017 can be a day closer to the goals you set for the new year and maybe a few you want to add on to your list.

We have put a board with ten pins to start with on Pinterest to help us visualize our goals called Inspire Me 2017.  There is plenty of inspiration at Pinterest… redecorating, recipes, crafts, travel, reading a new book, hair styles, and so much more.

We find this easier than following a list and checking things off. The photos do the talking.  Take a look at the board and maybe do one of your own. You can make your board private or share it with the world, who knows maybe one of your goals will inspire someone else and make their life better.

 

Happy New Year :}

 

 

 

 

 

 

Photo Courtesy of skeeze  at Pixabay.com


Tips On The Best Coverage for Your Condo Insurance

id-100281073Florida 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

or visit our website budgetbirite.com

fill out the form and we will have an agent contact you within 24 hours.

 

 

Photo Courtesy of mapichai at FreeDigitalPhotos.net


How To Protect Your Self From Rental Scams

id-10064688Renting a home, condo or apartment for a large family get away or just for two is a nice way to spend a vacation. Love a home on the water, or hiking from a cabin in the woods, beware of scammers who want to build up your hopes and take your money.

Scammers are using fake photo’s and descriptions they have stolen from real estate websites to promote their fake listings on places like Craigslist. They put up a lovely photo, bring you in with a winning description and better yet a low price you may not be able to resist. Remember the saying ” If it sounds to good to be true it probably isn’t”.

Once communication starts with a place you are inquiring to rent, keep an eye on the reply’s you receive and how they want to be paid.

Example; An email with misspelled words, or does it address you as sir or madam, is it redirected to another person. Do they provide a phone number that is local for you to talk with someone?

Want you to pay with a money order or wire money to them. Are they out of the country and want you to send the money to say Europe or Nigeria? This is big for wired money scams and guess what, you just gave your money away.

Are they supposedly from an organization or charity. Using this they hope to make you feel more comfortable and trusting of them.

You can not see the property you want to rent unless you give them a deposit. They may tell you that they do not want anyone to know that the house is empty and it is for their protection. You should be able to see what you are going to pay for let alone live in for a vacation. Nobody should ask you for a deposit on a rental property before you see it. If you are out of the state you want to rent from it may not be easy for you to take a trip to see the property, hire a real estate agent from a well know company.

Lets say you do send a deposit, in return some scammers may even go as far as to send you the keys or tell you where the keys are to get access to the property. Either you will receive a set of fake keys, or the place where they said the keys would be, shows up no keys. Be smart, research any deal you come across on Craigslist or a site like it and Make sure you get a lease agreement and deposit receipt when paying. There are legitimate companies out there, but better to be safe and check with the real estate office in the area you are looking to rent our a vacation spot from.

 

 

Photo Courtesy of freedooom at FreeDigitalPhotos.net


Homeowners Insurance – Importance of Liability Coverage For Pets

ID-100226591Your cute little puppy is a great addition to the family. Your new bouncing bundle of joy puts a smile on your face until you find him happily chewing on your shoe, or the leg of your chair. This you can control, but what about when your puppy gets bigger and decides to tear up your neighbors flower bed or possibly bites someone?

As much as we train and love our pets, we do need protection for the the not so proud moments that can happen. It is a good idea to be vigilant about your dog’s interactions with visitors to your home. Typically, the liability portion of your home insurance coverage should cover the actions of your pets if they damage items that you don’t own or if they injure people who do not live in your house.

Be aware that there are certain types of pets that can make it difficult to obtain home, renters or condo insurance. Dog bites make up one-third of all homeowner insurance liability claims, according to the Insurance Information Institute, and last year dog bites costing nearly $571.3 million and accounted for more than one-third of homeowners insurance liability claims.

You can purchase home insurance protection for your pets indiscretions for most types of domestic pets. Some insurance companies will provide you a list of certain types of dogs that they may consider not insurable. What they are basing their information on is the breeding history, temperaments and the risk factors. So, if a particular dog breed has a documented history of attacks or bites, some insurance companies may consider this risk to be too high, thus causing the company to deem the breed un-insurable.

Common dog breeds that are often not considered insurable include:

* Akita

* Alaskan Malamute

* Chow Chow

* Doberman Pinscher

* German Shepherd

* Pit Bull

* Presa Canario

* Rottweiler

* Siberian Husky

* Staffordshire Bull Terrier

* Wolf hybrids

Exotic animals, such as snakes, tigers, etc., also may fall in the un-insurable category. Check with us today to see if owning any of the pets above has limitations. It is actually a good idea to check when choosing a pet to bring into your home.

When you apply for home insurance, disclose information about any pets you have to ensure your policy will properly cover you involving your pet.

Have Questions? Call us today to get your questions answered.

 

 

 

Photo Courtesy of vudhikrai at FreeDigitalPhotos.net


What You Need To Know About Boat Insurance Coverage

ID-100386201Owning a speedboat, sailboat or any other sea vessel can be costly and requires up keep, but well worth it when you have the wind and sea all around you on a beautiful day.

If you choose to own and operate a speedboat, sailboat, yacht or personal watercraft without insurance you may run into some marinas and yacht clubs who won’t let you dock your craft unless you have insurance coverage. If you keep your boat on your own property, a homeowner’s insurance policy may have some coverage for your watercraft but it can be very minimal. A typical homeowners policy may pay up to $1,000 or $1500 to repair damage to your boat.

Often, during winter or stormy weather, owners must leave boats docked in the water. It is difficult sometimes to leave behind something that is so valuable, especially a sail boat that can cost up to several hundred thousand dollars. Standard policies for boats can cover damage to the craft, including damage caused by fire, lightning, theft, vandalism, collisions, and windstorms, the cost of repair and medical needs

Some policies also provide coverage for injuries caused by uninsured boaters or by boaters who don’t have enough insurance. If this sounds like uninsured motorist coverage in an auto insurance policy, it basically serves the same purpose.

It is very crucial to understand what the policies provide in order to choose the best and most appropriate coverage. Owners need to be sure and get all terms and requirements upfront before applying.

Have questions? Contact us today.

 

 

Photo Courtesy of nitinut. at FreeDigitalPhotos.net