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

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

Macy’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 98th Annual Macy’s Thanksgiving Parade November 24th, which starts at 9:00 a.m. ET and goes to 12 pm in all time zones. If you cannot be there in person, watch it from home on NBC.

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

Why Additional Living Expenses on Homeowners Insurance Coverage is so Important

Should you be faced with a fire, or a devastating storm that destroys your home, you will not be enjoying the comforts of your home and you need to be prepared.

In your homeowner’s coverage you should not only be protected for your personal belongings but compensated for additional living expenses. While your house is being accessed, you may be in a hotel for a few days, need money for restaurants, clothing and other expenses that may occur.

You do not want to find out after the tragedy of damage or losing your home, that you are lacking coverage. You need to know what your limits or exclusions are ahead of time.

This is where your compensation for additional living expenses comes in. Some insurance companies may give you unlimited help with your expenses and others a percentage of your total homeowner’s coverage.

Not sure what exactly your coverage is? 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.

We offer home insurance to the following states – Florida, Minnesota, Georgia, Texas, Maryland, South Carolina, North Carolina, Indiana and Pennsylvania.

Photo Courtesy of BM10777 at Pixabay.com

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Tips For Traveling On The Road With Pets

Pets to many are family members. When we travel on road trips or to the beach, we like to take our dog with us. As you would want to keep any of your family members safe while traveling, also consider your pet.

Prepare yourself and your pet before the trip.

If your pet is only accustomed to traveling in the family car except for the trip to the veterinarian, you may want to start out with introducing them with small rides perhaps to a dog park, beach or area they can get out, have fun and know that every time they get in the car, it is not to the vet’s office.

If you are planning an overnight trip or even longer and plan to stay at a hotel, call ahead of time to be sure the hotels in the area’s you plan to stay will accept pets and even if they charge more will be good to know.

On the Road

Plan to break up your trip by heading toward Rest Stops that offer bathrooms, food and a place to stretch your and your pets’ legs. It will renew your energy and your certainly do not want to be fatigue to set in. Be sure you have a water dish and possibly bottled water for them too. There are also those times when someone asks for a bathroom break not on the schedule, remember your pet may not be able to help a bathroom break in the car.

Talk to your veterinarian for advice on planning your pet’s mealtime and bathroom break schedule.

Your Pets Safety While in the Car

Just like you would with a baby or toddler, consider a car seat or carrier for your pet. This will help to protect them in case of an accident and also minimize any distractions for the driver which could lead to an accident and make your auto insurance increase.

Never, Never leave your pet in the Car Alone

Leaving your pets in a parked car with the windows up could be detrimental. Your car can heat up to 120 degrees in just minutes according to the Humane Society on warm days. In Florida during the summer, every day is hot!

Make sure you take your pet with you or have someone stay with them if you have to run into a store, bathroom etc., even for just a few minutes.

Being prepared ahead of time will help you and everyone with you have an easier and more enjoyable trip, even for your pet.

 

 

 

 

Photo Courtesy of tiverylucky.  at FreeDigitalPhotos.net

 

What Insurance You Need for your Recreational Vehicle or pull along Camper

Before you hitch up that camper or get the behind the wheel of your new RV (Recreational Vehicle), check your auto insurance policy or this vacation may cost you more then you bargained for.

Some insurance companies will allow you to insure your camper on your auto policy and others may require you to get a recreational vehicle policy. The coverage you are looking for is liability. If you have this included with your auto insurance coverage more than likely the liability will extend to towing the camper as long as it’s hitched up to your vehicle.

If you want liability coverage while the camper is unhitched such as at a campground or in storage you may want to check your homeowners or renters’ policy to see what extension on the coverage you have.

Extra coverage for an RV or Camper is always available if your other two options do not have the coverage you need. You can also purchase comprehensive and collision coverage just like you have with your vehicle and get a separate deductible. Specific questions about your camper or RV would be, what it is made of aluminum, fiberglass etc, the size and length of the vehicle and if it’s a pull behind.

Contacting your insurance company before purchasing the RV or Camper you are considering is highly recommended to find out just exactly what type of insurance policy you will need. When you purchase, add that policy right away, especially if you are not an experienced driver.  Contact us today with any questions.

 

Photo Courtesy of debspoons at FreeDigitalPhotos.net