Don’t Be Fooled – Scammers Are Calling About Your Utility Bill

scamalertYour in a situation where the lights go out and how often did your hear someone say”who did not  pay the bill?” Come home to find out the water is turned off, the gas stove does not light up and then it crosses your mind, “did I pay the bill?” That is normally after a few late notices, and this is how you find out the utility company wants their payment. Its the hard way of knowing not to mention the late fee and fee for them to turn your utility back on in most cases.

Sure it would be nice to get a phone call or text message to give you a heads up, and that is exactly what the utility scammers are doing. Scammers are calling people saying they are from your utility company and that your lights, water, etc are going to be turned off if you do not make a payment right away. They then ask for your credit card or bank info. Once you have given them this information you just opened the door for them to steal from you.

Instead, hang up and call the utility company (using the phone number on your bill)  to see if you are late on a payment or if there is a problem.  If you account is overdue you can take care of it right away, whether it be for an extension or payment and know that you are giving the right people your money.

Call us today to get your questions answered. 863-453-3903
or visit our website budgetbirite.com  and fill out the form and we will have an agent contact you within 24 hours.
We find insurance that meets every budget!
Ashley Bishop Owner/Agent
Budget Bi Rite Insurance, Inc
Serving All of Florida
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Surprising Money Saving Deals at The Library

LibraryGrab your library card and head to the library for saving on Electronics, Books, Subscriptions and more! Your local library is filled with more then books, these days most library’s are keeping up with technology and this could save your money.

Looking for a Job?

Most libraries have an expanded career service that could include a resources at little or no cost to you. Not sure how to write a good resume? Use your local libraries resume writing software for free. Ask if they also have an assistance who does workshops (could be a local business person) teaching how to get through an interview successfully.

Subscriptions/Memberships Online

Doing your family tree or wanting to learn a new language could get costly and require a monthly fee on websites. Contact your library and see if they already have subscriptions or memberships to sites your interested in with subscriptions. Take some time at the library to do your research on these sites and save yourself the fee.

Electronics

Most libraries are not only letting you check out the books and movies but electronics like e-readers, camera, laptops and more. Another plus they also can offer free training on how to use that product. Why go an purchase one of these items if you are only going to use it for a project or a couple of times.  Also, if you are looking to purchase one of these digital items and not sure what is going to work best for you, great way to try out the product first.

Throw a Great Book Club Meeting

What better place to learn about how to have a book club and make it fun. Many libraries can help you with a book club kit that can include copies of the book for your group, a DVD related to the book and a discussion guide. Contact your library to see if they carry this and if not ask them if they would, not only will this benefit you but the library as well to attract more people.

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 find insurance that meets every budget!

Ashley Bishop Owner/Agent

Budget Bi Rite Insurance, Inc

Serving All of Florida

Thank you for the Photo FreeDigitalPhotos.net

Tips to Easily Raise Your Credit Score

creditreportYour credit score can make or break your chances of getting a loan for a house or a new car.  Here are a few things you can do to make sure your credit score is what it should be.

Get free reports for your credit at AnnualCreditReport.com or head on over to Equifax and see what they have offer for credit reports.

Once you check your credit score Dispute Errors.
Are there accounts on your report with the same name as you but don’t belong to you? Fill out a dispute form with the credit bureau reporting this error. If they find the error to be true, it will be removed.

Phone, Cable, Utilities can help
On time payments help raise your credit score. People who have high credit scores have their phone, cable and utilities companies report their on time payments to the credit bureaus. They are not required to, but many do so at your request.

Credit Cards
Be responsible with your credit card. Show the credit bureaus that your good with your money. Do not zero out your balance, use up to 25% of your credit and pay it off on time.

Pay it Early
Pay your credit cards as soon as your get the bill. This will show that you have a lower balance monthly when they report to the credit bureaus.

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 find insurance that meets every budget!Ask us about deductibles as low as $100.00.

Ashley Bishop Owner/Agent

Budget Bi Rite Insurance, Inc

Serving all of Florida


Insurance Coverage for Home Owners Detached Structures

Whether you have a detached garage, gazebo, tool shed or fancy doghouse, your homeowner’s policy should cover those structures. Your homeowner’s insurance should also includes compensation for damage to detached structures on your property..

Check your homeowners policy to see what your policy’s coverage limit is. Normally for detached structures the average policy includes up to ten percent of your home’s coverage cost for compensation.

Example: If your house is insured for $450,000 your detached structures coverage would be for $45,000.

How can your claim be denied? If your detached structure is even partly used for business, your claim can be denied so be sure to ask for approval in your homeowners when purchasing or updating your policy.

What happens if the damage to the detached structure is more than the 10% allotted on your homeowners policy?

You can also purchase detached structure coverage. See what the value of your garage, gazebo, tool shed etc is to make that determination.

Your homeowner’s insurance policy may make seem overwhelming, but it will be even more burdensome should you not know what is covered in it.

Let Budget Bi Rite help you put together your custom homeowners policy and save you money, now and in the long run.

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 find insurance that meets every budget!

Ask us about deductibles as low as $100.00.

Ashley Bishop Owner/Agent

Budget Bi Rite Insurance, Inc

Serving all of Florida


Personal Liability Coverage on your Homeowners Insurance

Your Personal Liability coverage is very important. It protects you from lawsuits if someone where to fall and get hurt, your dog bites a guest or neighbor or if little Bobby bust out your guest car windshield with a baseball. These are situations in which you are legally responsible to pay or face a possible lawsuit.

You need to know what your personal liability coverage limit is because you cannot predict what will happen but you can protect yourself in any of these events. How much liability coverage should you consider?

First, think about how much money you have right now and what you can project to save for the future.

Second, would you consider purchasing a higher liability limit, for say in case the dog were to make you liable? Some insurance companies will not cover certain breeds that have a reputation for biting, such as pit bulls, Rottweilers, Akitas and Chow-Chow’s be sure to check out what your insurance company will do for you.

With many insurance companies personal liability coverage may be cheaper than you think for a difference between $100,000 liability coverage and $1 million liability coverage.

Check your policy today and see what you are covered for.

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 find insurance that meets every budget!

Ashley Bishop Owner/Agent

Budget Bi Rite Insurance, Inc