MZubero, Author at Triton Insurance Agency

Understanding Your Wind Deductible

MZubero — Thu, 29 Aug 2019 15:36:07 +0000

On August 24, 1992, Hurricane Andrew struck Miami with losses that had never been seen in America before. Andrew caused most carrier to stop writing property coverage in the state and a state pool the Florida Joint Underwriting Association FJUA (now known as Citizens) was formed to provide coverage for Florida homeowners. A special hurricane wind deductible percentage was established forcing Florida homeowners to participate in future losses. It was believed that adding a wind percentage deductible would give the FJUA stability and attract private carriers back to the state. So how exactly does a wind deductible work?

The wind deductible is a percentage–typically 2, 5 and 10 percent–of coverage A which is the insured Dwelling value. For example a 100,000 coverage “A” policy with a 10% wind deductible has a 10,000 deductible. These Deductibles are annual so that if you experience more than one loss in a year you are only assessed the deductible one time. The wind deductible is assessed when your home is damaged by a named storm/hurricane. Additionally some carriers have a deductible called “Other Wind” which refers to a non-named storm deductible. For any other type of covered loss on your policy you will have what is called an “All Other Peril” deductible and this number traditionally is a dollar amount 500, 1000, 2500 or more.

When shopping for hurricane coverage it is important to note that there are minimal savings in increasing a wind deductible on your policy. The best way to shop for coverage is to receive quotes from multiple carriers as prices vary significantly. Additionally some carriers give money saving perks such as disappearing wind deductibles. A disappearing deductible is given to clients with no wind claims for 5 years or more and are free perks.

Home Insurance in Florida is a significant investment knowing your deductible options is important as we head into Hurricane season.

With the tag line “More Options. More Savings”, Triton promotes the ability to offer clients hundreds of quotes from leading carriers. The agency offers home, auto, umbrella, business and worker’s compensations products. Since 1993 Triton Agency has forged a path leading the way through Florida’s very complex insurance environment. Call us today for more information!

The post Understanding Your Wind Deductible appeared first on Triton Insurance Agency.

The Best Car and Insurance for Your Teen Driver

MZubero — Tue, 20 Aug 2019 22:00:08 +0000

For over 20 plus years I have been asked by parent after parent how much will my teen’s insurance cost and which vehicle is best to purchase for a teen? I have probably quoted 10’s of thousands of scenarios since 1988 with any and all carriers that have written auto insurance in the US. Now my time has come so I decided to go a bit further than I ever have. Like many of you I was nervous about this stage of life, I wanted to make sure my daughter was safe. I decided to not only focus on insurance cost but also safety ratings, customer satisfaction and vehicle cost. Like any good parent/Insurance Agent I took to the net to research vehicles. My focus was on crossover SUV’s. I spent days researching consumer rating bureaus like Edmunds. For safety I sought out the expertise of the Insurance Institute. I sifted through vehicle warranties and ranked them. Finally, I pulled up vehicle base prices to compare them. With all that work I realized that I did not want to keep the info to myself, so I decided to share it with you. Here is what I came up with. I hope this helps you make a more informed decision for your teen driver.

— Mike Zubero, Founding Partner

Download the stats here >

The post The Best Car and Insurance for Your Teen Driver appeared first on Triton Insurance Agency.

Must-knows on Homeowners Insurance

MZubero — Wed, 17 Jul 2019 20:36:19 +0000

Mortgage insurance does not protect you personally or insure your home, yet it insures the bank if you default on your loan. Homeowners insurance provides coverage for you and your home in the event of an unexpected loss.

What does homeowners insurance cover?

Property Damage
Natural Disasters
Standard Home Liability
Extra Money for Living
Personal Property Coverage (personal belongings)

Cost Factors

Value of your home
Crime rate in the area surrounding your home
Amount of prior claims
The state in which you live

5 Things You Must Know Regarding Homeowners Insurance

Decide what kind of coverage is best for YOU
Understand Actual Cost Value and Replacement Cost Value
Determine if you want more liability and medical coverage
Take advantage of the discounting options
Flood insurance is not included and is usually purchased separately

Get a a FREE quote today!

Check out the rest of our blog here.

The post Must-knows on Homeowners Insurance appeared first on Triton Insurance Agency.

Quick Tip Tuesday:

MZubero — Tue, 16 Apr 2019 12:00:03 +0000

Quick Tip Tuesday: Our second quick tip of this series is to inspect your roof thoroughly. According to the NAIC report, wind and hail damage are the most frequent claims made. An average roof roughly lasts 20-30 years. If your house is old enough, you will need to hire a licensed professional to replace your roof. Do NOT skimp on the cost of your roof either!

The post Quick Tip Tuesday: appeared first on Triton Insurance Agency.

Our new Auto product will help save time for you and money for your customers.

MZubero — Mon, 10 Dec 2018 17:51:30 +0000

On December 7, 2018, we’re introducing changes to our Florida Personal Auto product designed to offer even more competitive rates, easier and more accurate quoting and a few new savings opportunities for your customers. New business rates will decrease slightly on average. Individual policy rate changes will, of course, vary by customer based on individual rating characteristics. Be sure to quote us every time to get the right rate for every risk.

Get an auto quote today. Click Here.

The post Our new Auto product will help save time for you and money for your customers. appeared first on Triton Insurance Agency.

Meet Luke Gonzalez Our Newest Agent

MZubero — Thu, 06 Dec 2018 16:18:10 +0000

Triton Insurance Group, Florida’s leading provider of Home, Auto, Business, Motorcycle, Umbrella, Boat and Workman’s Compensation Insurance, announced today that it has appointed Luke Gonzalez as its newest agent. A native of Ft. Lauderdale, with family ties to the insurance industry, Luke is in the business to ensure his clients’ most valuable assets, businesses, and families are properly protected.

Gonzalez is an alumnus of St. Thomas Aquinas High School, where he lettered in lacrosse and ice hockey. He played Division II lacrosse at Saint Leo University before transferring to the University of Florida, where he recently graduated this past May of 2018 with a Bachelor’s degree in Advertising. Some of his favorite activities include boating and fishing throughout South Florida with his friends, golfing, hunting, traveling and spending time with his younger brothers. Growing up in South Florida, he understands the constantly evolving market and looks forward to providing priceless value to his clients.

The post Meet Luke Gonzalez Our Newest Agent appeared first on Triton Insurance Agency.

Triton Tampa Is GIVING BACK!

MZubero — Tue, 20 Nov 2018 17:34:22 +0000

200 Frozen Turkeys 2,800lbs Donated!

Mike Hills and his Tampa Bay Insurance Team delivered over 2,800lbs of frozen turkeys to Hope Children’s home and Metropolitan Ministries this morning. Triton Insurance believes that giving back to our community should be first on everyone’s priority list this year.

Photos below of Mike Hills, Triton Insurance Tampa and Joseph Dipaolo, Dipaolo Financial Services.

Group photo below is with Tim Marks, Executive Director of Metropolitan Ministries, Mike Hills, Brendon Hills, Karen Dipaolo and Julan Mustafa, Mustafa Law Firm.

The post Triton Tampa Is GIVING BACK! appeared first on Triton Insurance Agency.

November 24th is Small Business Saturday

MZubero — Mon, 19 Nov 2018 17:02:05 +0000

As a counterpart of Black Friday and Cyber Monday is Small Business Saturday. This shopping day is held the first Saturday after Thanksgiving. First observed in 2010 it was a way to promote and support our local small business owners. Nationally 1 in 5 small businesses are owned by families, people just like you and I. According to the Small Business Administration, small businesses accounted for 63 percent of the net share of new jobs over the past six years. 48% of all people employed in America work for small businesses. Supporting your local small business is a great way to insure future jobs in your community. As a small business owner myself for over 25 years, I understand the importance of referrals from friends, family and the community. For this reason, I would like to promote a few of our local business partners and friends. Here are some creative holiday gift ideas.

Thank you all – happy holidays.

B&J Bicycles 1620 E Sample Road Pompano Beach FL 33064

(954)946-7937

www.bandjbicycle.com

For many years B&J Bicycles has provided Pompano Beach and Lighthouse Point residents with exceptional sales, service, and repair. Whether you are shopping for the kids or the bicycle enthusiast Vinnie Tamburello is the man to see for the perfect gift.

Surf World 4411 N Federal Hwy Ft Lauderdale FL

(954)545-7873

www.surfworld.us

https://www.facebook.com/surfworld.us/

Surf World is one of the finest surf shops in south Florida. This is a one-stop shop for many of your gifts from Surfboards, Stand up Paddleboards, Skate Boards, Clothing and so much more. Come see Randy Skinner at his all-new location in Ft Lauderdale.

Beech Spa 3000 N Federal Hwy Ft Lauderdale FL 33306

(954)895-4005

www.beechspa.com

https://www.facebook.com/jenetteco/

Is there anything better than getting pampered? For the loved one in your life, a friend or client Beech Spa has gift boxes and packages that will knock their socks off. Jenette Zubero has put together elegant gift packages which include beauty products, European Facials, Glycolic Peels, Body Wraps and a whole lot more. There is nothing like relaxing in the Sauna or Steam room. The look of these beautiful packages will impress. Follow Beech Spa on Facebook for more promotions and complimentary gifts.

Good Spirits Fifth and Fed 476 N Federal Hwy Ft Lauderdale Fl 33301

(954)523-2580

www.goodspiritsrestaurant.com

https://www.facebook.com/gs5andfed/

Good Spirits is a new addition to Ft Lauderdale’s bar and dining scene. Good Spirits Fifth & Fed harkens back to the mid-century era of the cocktail, the crooner, and the cover girl – a time in which glitz and glamour lived alongside effortless elegance. Opened in early 2018, Good Spirits Fifth & Fed was one of the most anticipated restaurant openings of the year.

Good Spirits Fifth & Fed is the pièce de résistance of Frank Zaffere, a thirty-year restaurateur who deliberately ensures that every dish and every cocktail served has been crafted to introduce yesterday’s lifestyle to today’s generation. What can be better than a gift card for that special family member, client or friend to come and experience what Good Spirits has to offer. Good Spirits is also a great place to host your holiday events.

If you are a small business owner and have some ideas or would like to promote some products email us here.

The post November 24th is Small Business Saturday appeared first on Triton Insurance Agency.

You’re on a trip and rent a car, does your auto policy cover you?

MZubero — Tue, 13 Nov 2018 17:21:57 +0000

The answer is yes and no. We often get calls from clients at the rental car counter asking if they should purchase or waive the coverage offered by the rental car company. So what is the correct answer and what is the cheapest way to get insured? Personal Auto Insurance coverage extends to vehicles you borrow and rent. The Insurance extended to you by your carrier is the coverage listed on your policy declarations page. Liability, PIP and Uninsured Motorist will extend to the rental vehicle as may the Physical Damage, remember that you will be responsible for any deductibles on the policy. The issue with renting a car is in your policy limitations. If you do not have certain coverage or have low limits you may be left with a shortfall. Another problem in renting a vehicle is the “loss of use”. If you are involved in an accident with a rental vehicle that company is entitled to the daily rental rate while that vehicle is being repaired. Loss of use is not covered by any auto policy. Fortunately, some credit card companies do offer “loss of use” coverage if you use their credit card to rent the vehicle (always check with your credit card companies first).

Thus the cheapest way overall to rent a vehicle is to ask your credit card company what Insurance they include and make sure your primary auto policy covers you for Liability and physical damage. If you have all these bases covered you can consider waiving coverage. Always check with a licensed agent first before waiving any Insurance.

Safe travels.

The post You’re on a trip and rent a car, does your auto policy cover you? appeared first on Triton Insurance Agency.

Does your Health Insurance cover Auto Accident Injury?

MZubero — Wed, 24 Oct 2018 18:18:18 +0000

For years I have been asked by clients this question and for years the answer is the same “maybe”. While most reputable Health Carriers choose to Coordinate Benefits with Auto Insurance some simply exclude Auto Injury all together. For those who have health policies with Auto Exclusions, it is important to maximize your Medical and Uninsured Motorist coverage in the event of a loss. Medical payments and Uninsured Motorist are intended to cover your medical expenses when injured in an accident. You can also maximize the Uninsured Motorist (UM) coverage by purchasing an Umbrella which includes UM. The national average medical cost for non-fatal injury from auto-related accidents is approximately $60,000. I suggest you read your health insurance summary of benefits. Mine was 245 pages so I decided to use the find function on my computer. I was able to quickly find the Auto related limitations.

If your carrier coordinates benefits with Auto Insurance here is how that works. In an auto accident, your auto insurance is primary coverage, any deficit in payment would fall to your Health Carrier. Your Health Carrier would then review what has been paid by the Auto Carrier in order to determine if you have any benefit left. This means that if your Auto Carrier paid the max that your Health Carrier would have been responsible for they could deny any additional payment. Pretty complicated right? Yes, this is why I always recommend that clients carry Uninsured Motorist to eliminate gaps. We are all unfortunately subject to our plan deductibles and limitations. Uninsured Motorist coverage has very few limitations and could make you whole after an accident.

Always read the fine print and get the advice of a licensed agent when deciding what coverage to purchase.

Click here to get an auto insurance quote now!

The post Does your Health Insurance cover Auto Accident Injury? appeared first on Triton Insurance Agency.