Three things you might not know about umbrella insurance

Umbrella insurance can offer Inlet Beach consumers complete financial protection. Dune Lakes Insurance offers umbrella insurance policies to keep your financial future bright and secure.

The following are three things that you might not know regarding umbrella insurance. 

Umbrella insurance complements your auto, home, and other insurance policies.

Umbrella insurance is not a standalone type of insurance. It would be best to have a home or auto insurance policy that your umbrella insurance policy can complement.

Umbrella insurance coverage is added to your home or auto insurance coverage when you file a claim to cover a considerable liability expense. 

Umbrella insurance is good to have if you participate in certain activities.

Consumers especially need umbrella insurance when they participate in activities that put them at risk of facing high liability expenses. You should consider the activities that you participate in when determining whether you need umbrella insurance and how much you need.

Public figures are especially likely to benefit from umbrella insurance since they may face libel or defamation lawsuits. Consumers who coach kids’ sports, host house parties, or rent out properties should also look into umbrella insurance’s benefits. 

Umbrella insurance does not cover damage to your home or possessions. 

Consumers need to understand that umbrella insurance only covers liability expenses. Umbrella insurance does not offer any coverage for expenses resulting from damage to the policyholder’s own personal property. 

Do you have questions about umbrella insurance? We can provide the answers you seek at Inlet Beach, FL. Get in touch with us at Dune Lakes Insurance. You can get a quote from us on the umbrella insurance policy that’s right for you. 

Three Essential Tips to Keep Your Home Safe During a Flood

Floods are a common yet dangerous weather phenomenon in Inlet Beach, FL. When a flood is imminent, it’s essential to be prepared and keep your home safe from damage. Here are three crucial tips from Dune Lakes Insurance to ensure your home stays safe during a flood.

Make Your Basement Waterproof

It would be best if you made your basement waterproof to prevent water damage and protect your belongings from potential flooding. To waterproof your basement:

  • Install a sump pump 

  • Seal cracks and crevices in the walls and floor

  • Apply waterproofing paint or membrane to the walls and floors 

  • Install a drainage system around the perimeter of the basement 

  • Use a dehumidifier to keep humidity levels low

Raise and Anchor Utilities

Raising utilities can help prevent water damage from flooding. To protect your electrical and gas items, you should raise them off the floor. This could include elevating furnaces, water heaters, electrical panels, and other equipment. You may need to use concrete blocks or other materials to do this. Move furniture and appliances away from areas that are prone to flooding.

Keep Gutters and Downspouts Clear

Keeping gutters and downspouts clear helps to ensure that the water is quickly and efficiently directed away from home, reducing the risk of flooding. This will help prevent the water from pooling around the foundation, onto the roof, and into the house.

We at Dune Lakes Insurance of Inlet Beach, FL offer flood insurance for our clients. Floods can be devastating, and we understand the importance of protecting your property from such an event. We are dedicated to providing quality flood insurance, and we look forward to being able to serve you with this essential coverage.

Home Insurance: Hurricane Season in Florida

Hurricane season in Florida can be a disaster of epic proportions. Each year, residents risk losing their homes and every asset inside. The effects can be dire, but there are ways of protecting your belongings. Maintaining adequate home insurance is paramount in rebuilding after a natural disaster sweeps across the state. It can mean the difference between having nothing left and ultimately regaining everything. However, you must determine what insurance policy you will need to secure your items.

Hurricanes can obliterate entire neighborhoods in a matter of minutes, covering the land with several feet of water. Don’t you want to ensure that your home is protected and can be repaired without extra stress?

The most important thing to keep in mind when shopping for home insurance is to be proactive. You want to ensure everything is taken care of before hurricane season hits. That way, you can have peace of mind for several months before the storms make landfall. Contact the professionals if you are unsure what type of policy you need.

Dune Lakes Insurance in Inlet Beach, FL will walk you through the steps to securing the correct coverage for your budget and by state laws. Although it is NOT illegal to not have a home insurance policy in Florida, there are multiple reasons why you still need to find coverage. That is why Dune Lakes Insurance is here to help. Insurance is their area of expertise, so call them today and get the process started. If you are in the Inlet Beach, FL area, stop by the office during business hours and discuss policies with the experts.

Protect Your Livelihood with Commercial Insurance

Do you own a business, or are you thinking of starting one? Do you live in the Inlet Beach, FL area? If so, the professionals at Dune Lakes Insurance can help you.

One of the most vital parts of a business operation is protecting it from devastating financial loss. Many times, that is the difference between continued operation and shutting down. The best investment a business owner can make is a commercial insurance policy.

A long-term struggle involves owning a business, and keeping it financially viable is not always easy. But protecting your company from unforeseen lawsuits or disasters is the best way to protect your business.

There are different types of commercial insurance you can obtain.

  • Business interruption coverage is an option that helps if you need to maintain your income in the event of a disaster.
  • Disability insurance is an optional coverage that helps you if you become disabled or too ill to run your business. You may also receive a partial income if disabled.
  • Liability insurance protects you if a client or employee is injured on your property. It helps with medical costs and legal fees in case of a lawsuit.
  • Property damage insurance provides relief if your business suffers damage or is destroyed by flood, fire, storm, or other weather events.
  • Workers’ compensation offers protection if an employee gets injured during their working hours. The injured employee could receive paid time off and medical coverage for the sustained injury. Without this coverage, your business could be faced with paying for these expenses out of pocket.

Dune Lakes Insurance serves Inlet Beach, FL, and the surrounding area. If you are a business owner or thinking of becoming one, make sure you obtain commercial insurance to protect your livelihood. Contact Dune Lakes Insurance today. You will be glad you did.

Worried about liability protection for your company? Look into an umbrella policy

Dune Lakes Insurance proudly serves the Inlet Beach, FL business community. If you are worried about liability risk, it’s time to consider umbrella insurance. Call our office today and schedule a consultation to learn more. 

Benefits of umbrella policies for Florida companies

One of the most important coverages to have when it comes to commercial insurance is liability protection. This type of insurance is included in most commercial policies, but the policy levels are not always sufficient. Companies that operate in highly litigious industries or in public-facing retail operations that can have a lot of slip-and-fall lawsuits will need a higher level of liability protection. This means that it makes sense to carry supplemental liability protection. 

If a primary commercial policy meets or exceeds the liability coverage levels, an umbrella policy will come into play. This policy will provide the business owner with additional liability protection to avoid any personal liability.

Owning a successful business comes with a lot of risks. In our current environment, protecting a business from lawsuits can be an ongoing concern. It makes sense to review all of the available policy options. This allows business owners to determine which policies best meet their needs and what level of coverage is suitable for their business concerns. 

Schedule a consultation today

Inlet Beach, FL area business owners turn to Dune Lakes Insurance. Our team is here to help you with your commercial insurance needs. We understand how much hard work goes into starting and maintaining a successful business. Call our office today and schedule a consultation.

We look forward to working with you!

Does My Home Insurance Cover Flooding in Inlet Beach, FL?

Flooding is a concern for any homeowner, especially in coastal areas like Inlet Beach, FL. And while your home insurance policy may cover some water damage, it’s essential to understand that flooding is typically not included. That’s why it’s so important to have a separate flood insurance policy in place.

What is Flood Insurance?

Flood insurance is a type of coverage specifically designed to protect your home and belongings from damage caused by flooding. While your standard home insurance policy may cover some water damage, it typically excludes damage caused by flooding. That’s why it’s so important to have a separate flood insurance policy in place.

What Does Flood Insurance Cover?

Flood insurance can help protect your home and belongings from the damage caused by flooding. It can cover the cost of repairs to your home and replacing any damaged belongings. Many policies also pay for the total loss of your home up to your policy’s limit.

Do I Need Flood Insurance?

Flood insurance is not required by law, but it is required by most mortgage lenders if you live in a high-risk area. That’s because floods can happen anywhere, and the damage they cause can be significant. Even if you don’t live in a high-risk area, it’s still a good idea to have flood insurance.

How Much Does Flood Insurance Cost?

The cost of flood insurance depends on several factors, including the value of your home and belongings, the amount of coverage you need, and the deductible you choose. A Dune Lakes Insurance agent can help you determine the right coverage for your needs and get you the best rate possible.

For more information on flood insurance, contact Dune Lakes Insurance today. We’re here to help you find the coverage you need to protect your home and belongings.

What Does Home Insurance Cover?

The house you own may be the most significant investment of time and money you will make in your lifetime. You will want to do anything in your power to protect your home, and one of the things you can do is to ensure that you have an adequate amount of home insurance. The agents at Dune Lakes Insurance in Inlet Beach, FL want you to know and understand everything that home insurance covers.

In Florida, homeowner’s insurance is not required, but if you have a mortgage on your home through a bank or some other type of lender, you are more than likely required to have an active home insurance policy to protect your lender’s investment in your home. Even if you do not owe money on your home, having a home insurance policy is imperative in case something does happen. As the saying goes, it’s better to be safe than sorry.

What Does Home Insurance Cover?

Your home insurance policy will cover the structure of your house itself. This is very important if your house is damaged by a fire, vandalism, or even some natural disaster, such as a hurricane or tornado. A home insurance policy will also help you replace any personal belongings you might lose due to one of these events, as well as your furniture, appliances, and other things you have in your home. Your policy will likely include theft incidents so that you can replace items that may get stolen due to a burglary or similar incident. Most home insurance policies cover outbuildings like a garage, decks, and even your shed.

Contact a Home Insurance Agent

To secure the proper amount of home insurance, you should contact a home insurance agent who is trustworthy, knowledgeable, and experienced when it comes to home insurance policies. The agents at Dune Lakes Insurance in Inlet Beach, FL are ready to assist you, so call for a quote and appointment today to get your home insurance policy started!

Why do Florida businesses need to have commercial insurance?

When you are in the Inlet Beach, FL area, you can find that the region of the state is a great place to start a business. If you want to be a business owner in this area, it is vital that you protect your business with insurance. Generally, having full coverage can protect your organization and is required. Companies should invest in a full commercial insurance plan for various reasons. 

Cover any Business Assets

An important reason to have a commercial insurance plan in this part of Florida is to ensure your business assets are appropriately covered. Any company that is looking to grow in this region will want to have proper assets to help support growth and operations. If you have a commercial insurance policy, it will give the coverage needed to ensure these critical assets are protected. 

Reduce Liability Risks

It is also an excellent option to have a commercial insurance plan to offset and reduce liability risks. If you own a business, there is always a chance that you could be named in a liability claim. A great way to mitigate this risk is by investing in a commercial insurance plan that includes a liability insurance provision. This will help ensure you and your business are supported if found liable for an accident that results in damages for another party.

It is always helpful to have commercial insurance when running a business in the Inlet Beach, FL area. When you are ready to start looking for coverage in this region, calling the team with Dune Lakes Insurance is a great way to start. The professionals with Dune Lakes Insurance will give the support needed to select a plan that will adequately protect your organization. 

5 Times You Might Need Umbrella Insurance

Most people are familiar with the basic types of insurance, such as health, car, and homeowners insurance. But there is one type of insurance that many people don’t know about: umbrella insurance. Umbrella insurance is designed to provide additional coverage beyond the limits of your other policies. Dune Lakes Insurance in Inlet Beach, FL offers you this guide on when you might need umbrella insurance. 

5 Times You Might Need Umbrella Insurance

1. You Have Valuable Assets

It’s not just the rich who need to be concerned with protecting their assets. Anyone with a substantial amount of assets should consider how those assets could be exposed in an accident, lawsuit, or other unexpected events. For example, if you were to cause a serious accident that resulted in the death of another person, your personal assets and any business or investment interests you have could be at risk.

2. You Have Teenage Drivers in Your Household

If you have kids who are just learning to drive, it’s important to make sure that they, and others on the road with them, are protected. If a teenager causes an accident due to inexperience or negligence, you could be sued for damages beyond the limits of your auto insurance. Having an additional coverage step such as umbrella insurance can help protect you from unexpected costs.

3. You Are a Business Owner

If you own a small business, it’s important to have adequate coverage in the event of an accident or lawsuit. Your general liability insurance may not be enough to protect your interests fully. Umbrella insurance can provide an extra layer of protection for your business and its assets.

4. You Frequently Travel

If you travel often for work or pleasure, you may be exposed to additional risks. For example, if you were to cause an accident while driving in another state, your auto insurance policy may not cover the full amount of damages. In this case, umbrella insurance would provide the extra coverage you need.

5. You Participate in Recreational Activities

If you or your family enjoy sports and other activities that can pose an injury or damage risk, it’s important to have adequate insurance coverage. For example, if you are an avid golfer and injure someone with your golf ball, you could be sued for damages. If you have umbrella insurance, you would be protected against any costs that exceed the limits of your golf or general liability insurance.

Get Umbrella Insurance in Inlet Beach, FL 

Umbrella insurance can help protect you from unexpected costs in various situations. Whether you have valuable assets, teenage drivers, or a business to protect, umbrella insurance can provide the extra coverage you need to stay protected. Dune Lakes Insurance offers affordable umbrella insurance policies that can help safeguard your interests and assets. To learn more, call us today.

What are the Benefits of Flood Insurance?

Did you know that many Americans strongly believe that only those regions that are designated as flood-prone areas can only experience flooding? That is a misplaced misconception because everywhere it rains, it can flood. That said, it’s pivotal to consider buying a flood insurance policy from Dune Lakes Insurance in Inlet Beach, FL.

Are you still having doubts about flood insurance? Here are the reasons why you should invest in flood insurance.

Protection of assets.

Do you ever think of how much your home cost? Probably thousands, if not millions of dollars! Your dwelling is one of the most precious investments in your lifetime. As such, it warrants solidified protection from imminent calamities. This coverage safeguards you from incurring costly out-of-pocket repairs. Flood insurance covers your building’s walls, roof, floor, permanent fixtures, and other areas listed in your policy.

To safeguard your family and loved ones.

Nothing is comforting like getting assured that your family and loved ones are protected if unexpected disaster strikes. Home is a safe destination for your family and pets. If floods transpire today, your family and loved ones might encounter the challenge of being relegated to homelessness. To avert these troubling moments for your loved ones, procure flood insurance to ensure that you revert to normal after flood damage.

Provision of peace of mind.

The unpredictability of weather exposes one to the likelihood of a given calamity striking at any given moment without prior warning. Unprecedented menace like flooding manifests itself with devastating effects. Therefore, the only way to wipe these worries whenever a storm is looming is by purchasing flood insurance to offer financial protection during unforeseen events.

Flooding is one of the most devastating perils experienced in America, including in Inlet Beach, FL. Luckily, you can protect your home and loved ones with flood insurance. Ready to get started with flood insurance? Don’t hesitate to contact our agents at Dune Lakes Insurance today.