Protect Your Home From Burglary

Homeowners in the Oviedo, FL area are smart to protect their homes from burglary. Follow these helpful tips from the team at Karla Salmon Insurance and keep your family home safe! We are here to address any questions or concerns that you may have about home insurance and protecting your family! The right insurance policy is another way to protect your home and family. Contact us today to learn more about the available options.

Helpful Tips for Keeping Your Home Safe from Burglars

  • Install motion detection lights — light is an effective tool for deterring unwanted visitors to your house.
  • Trim all branches away from your windows — don’t give burglars a way inside!
  • Keep all shrubbery neat and trimmed — thick shrubs can provide cover for a would-be burglar, make sure to keep your landscaping tidy and well-lit.
  • Install a burglar alarm — when you have an alarm system that’s connected to your area’s first responders, you give your family another level of protection.
  • Use light timers when you will be away from home for an extended period of time — a dark house is often an attractive target. By keeping your house lit when you aren’t home you can help to repel robbers.
  • Review your homeowner’s policy — make sure that you have the protection you need before you need it! The right policy provides the peace of mind and protection that your family needs to stay safe. 

If you are in the greater Oviedo, FL area and have questions about your home insurance, contact the team at Karla Salmon Insurance today! We are here to help you protect your home, and will be at your side should your home fall victim to burglary. Let us help you ensure that you have the protection you need.

Home insurance endorsements that you may need

Before you can consider what home insurance endorsements that you need, you have to understand precisely what an endorsement is and which ones are offered. An insurance endorsement is an amendment that is added to a policy that changes specific coverage on the policy. They are sometimes called riders. In order to have a specific endorsement, you may need to change companies, which is why if you live in or near Oviedo, FL, talking to Karla Salmon Insurance is a good idea.  

Some common endorsements include 

  • Animal liability
  • Mold 
  • Flood
  • Hurricane
  • Jewelry 
  • Sinkholes

Some of these endorsements are for things that are very common in Florida. Some home policies cover hurricane damage. Others require an endorsement. It is up to you to read your policy carefully and to discuss specific coverage with your agent. Mold, flood, and sinkholes are all too common and need to be covered in order to have peace of mind. 

If you have more than a piece or two of jewelry, the jewelry endorsement is a must. Typically if you have an engagement ring, that is about the extent of the coverage your policy has. Be sure to get an appraisal for your jewelry and submit it with the endorsement. 

Pets are a significant liability, and some animals are not covered and can’t be covered by an endorsement. If you are a pet owner, you need to check with your insurance company to determine if your breed is among those that can be covered. 

You can only decide the endorsements you need for your Florida home, but if you live in or near Oviedo, FL, Karla Salmon Insurance can help you to make this critical decision. Give us a call or stop by our office and let us make sure that you have all the coverage you need.

Benefits of Getting Auto Insurance in Florida

Oviedo, FL is an excellent place for people to live as it has a great local economy and other local benefits. If you do live in this area of Florida, it is vital that you get auto insurance. There are several benefits that you will receive when you have a car insurance policy in place. 

Liability Coverage

One of the best benefits that come when you get car insurance is that you will receive liability insurance coverage. Even if you think you are a perfect and safe driver, there is always a chance that you could be at fault in a car accident whenever you take your car out on the road. Due to this continued risk, you need to make sure that you always have auto insurance in place. The liability component will protect you in the event you are found to be at fault for an accident that results in damage.

Protects Property

Beyond having the liability coverage, you also need to make sure that your valued asset is covered as well. A car is a critical asset that requires a significant investment to buy. Due to this, you always need to make sure that you get a full insurance policy in place whenever you buy a car. This insurance will protect you from a variety of situations that could result in a loss. 

If you are going to buy a car in Florida, you need to make sure that you have auto insurance at all times. When you are looking for a policy in the Oviedo, FL area, you should make sure that you call the Karla Salmon Insurance Agency. When you do this, the team at Karla Salmon Insurance will help you to figure out what your best insurance options are. This will make sure that you get the best coverage possible. Contact our office for more information.

What Your Teen Should Know About Auto Insurance

Getting a driver’s license is a huge milestone for any teenager. It can also be a time of worry for parents. Karla Salmon Insurance is dedicated to helping our Oviedo, FL families navigate the exciting, and sometimes scary, world of auto insurance for teens. Here we have created a shortlist of important insurance facts every teen driver should know.

Insurance Is Required By Law

Every vehicle you drive in Florida must meet the minimum legal insurance requirement. This means you have to have at least personal injury protection and property damage liability on your car insurance policy. If you cannot show proof of insurance, then you could face conviction, fines, and have your license suspended for violating the law. 

Stay Safe

Florida is a Zero Tolerance state for driving under the influence as a minor. If you are caught driving drunk under the age of 21 you will have your license suspended. Reckless driving (such as causing property damage or texting while driving) also has long-lasting consequences for your driving record. These dangerous activities can have a negative impact on your standing with your insurance provider. Not only could you risk losing your insurance or license, but you are also endangering your life and those around you.

Responsible Driving Is Rewarding

Being a smart, conscientious driver is not only safe, but it’s also rewarding, too. Many communities in and around Oviedo, FL offer special recognition for teen drivers that practice good driving habits. Look into your local chapter of Students Against Destructive Decisions (SADD) for fun and educational driver safety instruction. Taking a driver training course, keeping up good grades, and obeying underage traffic curfews all look fantastic on your record for insurance.

For more teen driver insurance information please contact Karla Salmon Insurance today!

Three Things to Remember When Changing Home Insurance Policies

It’s great that you own a home in Oviedo, FL. Having a place to call your own is a special part of life, but it comes with a few extra responsibilities. One of those is home insurance. Some people find the perfect policy and never have to switch, but for many others, adjusting policies is an inevitable part of life. If you’re in that second group, keep in mind these tips from Karla Salmon Insurance.

Notify Your Mortgage Lender

If your home is still under mortgage, it’s vital to notify your lender that you’re changing insurance policies. There are several reasons for this. The collateral on home loans is the home itself. Every lender is going to want to vet your new insurance policy. Unexpected changes to your insurance policies could look like a lapse in coverage. If they aren’t adequately informed of a switch before it happens, it could end up costing you a lot of extra money you weren’t planning to spend.

Avoid Coverage Gaps

While some switches appear as coverage gaps, other switches can include them. It’s vital to make sure that you will have nonstop coverage. Even a single day between policies is enough to incur hefty fees for any house still under a mortgage. Lenders have special insurance policies that cover gaps like this. Those policies aren’t cheap, and there’s a good chance your mortgage contract makes you responsible for covering that cost.

Understand the Payments

The last thing to remember is that homeowner’s policies are significant. There are plenty of reasons to make a switch, but it’s not like going to a new shop for an oil change. These policies scale to the value of your home, and new policies will often want upfront payment. Altogether, the switch can leave you with a single month where your out of pocket costs are a little higher than normal. It helps to budget accordingly.

If you want to be sure you’re getting a great deal for your home, a conversation with your agent can go a long way. Karla Salmon Insurance in Oviedo, FL has the resources you need to make informed decisions and find the right policy.

Letting Someone Borrow Your Car? What You Need To Know About auto Insurance Coverage

Did you know that if you let a friend or relative borrow your car, that might affect your auto insurance?

If you have car insurance coverage through Karla Salmon Insurance or any other agency, you are responsible for that coverage. If you aren’t behind the wheel of your car, and neither is someone who shares your policy, you may have to deal with unfavorable consequences whether your car is driven in Oviedo, FL or elsewhere.

Auto Insurance Follows The Car

Don’t let your friend talk you into letting him or her borrow your car by telling you that their car coverage will protect them in case of an accident. If your car is being driven, you are the responsible party. Generally, car insurance coverage is tied to the vehicle, not to the individual who is the policyholder.

If the person borrowing your car is a family member who is explicitly covered by your insurance policy (for instance, your spouse), then there’s nothing to worry about. However, your friend cannot be protected by his or her own policy while driving your car; it’s your insurance that remains in effect.

When your Friend Is At Fault In An Accident

If your friend drives your car and the trip goes smoothly, you are both lucky; your car coverage is not impacted. However, if the uninsured driver causes a car accident with your vehicle, your insurance must pay for both your car’s damages and for the other driver’s accident-related costs.

Though you may not need to pay out of pocket, you may see the impact in the form of a premium raise. Your insurance provider may also change your coverage limits. Of course, if you incur any fees directly resulting from the accident, you can sue the person who borrowed your car in order to force them to pay for the damages. However, your auto insurance impact will last for at least a year or longer.

When The Other Driver Is At Fault

That being said, if the uninsured driver of your collides with another car and the accident is deemed the other party’s fault, your insurance is not responsible. in that case, the other party’s insurance pays for the damages to your car, and may even take care of any medical expenses your uninsured driver may endure.

However, if during the car accident report release and subsequent investigation, your car insurer finds out that in fact, you weren’t the person driving your vehicle, your premiums may hit an all-time high anyway.

Ready To Purchase Your Coverage?

If you need to expand your coverage to include any currently uninsured drivers, you can visit Karla Salmon Insurance anytime. We serve old and new customers alike in the Oviedo, FL area.

Is Commercial Insurance a Necessity?

At Karla Salmon Insurance, we have had to talk many Oviedo, FL businesses into purchasing commercial insurance for their business. Many don’t quite understand why these policies are so essential but appreciate buying them once they make the purchase. 

Commercial Insurance is a Wise Investment

Commercial insurance – while not a legal requirement – is typically an excellent idea for most businesses. These policies provide a myriad of benefits. First of all, they help to provide you with financial help in lawsuits and other problematic situations. This coverage helps to keep your money and your investment safe from loss. 

Secondly, commercial insurance is designed to not only protect your investment but keep your company running as well. These benefits are critical if something causes your business to shut down. Without this help, you’ll find yourself without income and struggling to stay afloat and may even trigger bankruptcy.

Policy Types to Purchase 

Commercial insurance comes in many different policy types. The first type you’ll want is a general liability, which helps to protect you from lawsuits if somebody is injured as a result of your business operation. Auto policies are also a great idea if you own company vehicles. 

Other types of policies to consider include life insurance, disability insurance, and workers’ compensation. These all help to keep your employees safe and protect you from their lawsuits. And business interruption insurance pays you if a disaster makes your business impossible to run and you lose profits.

How to Find Great Policies

If you live in Oviedo, FL and you need commercial insurance, please contact us at Karla Salmon Insurance. Our experts have years of experience helping people like you and will work hard to ensure that you get the high-quality policy that your business needs to stay protected. 

5 Things You Didn’t Know Your Home Insurance Could Do

The insurance on your Oviedo, FL home protects you from a number of likely threats. The payouts from these policies ensure you can always rebuild or relocate after a major disaster. However, there are other things your policy from Karla Salmon Insurance can do that protect your personal wealth and make life a little easier.

  • When your home needs big repairs, living through the inconvenience of construction can make your life miserable. Some home policies include payment for temporary lodgings due to covered events. Instead of suffering through a mess or paying out of pocket for temporary accommodations, you can enjoy comfortable surroundings at no additional costs.
  • Long power outages can ruin your family’s food supply. When a fluctuation leaves you without refrigeration, your homeowner’s policy could help you restock. Some contracts include coverage for power events that leave your kitchen full of rotten food.
  • Even in the afterlife, your homeowner’s insurance could still be working hard for you. Some policies cover gravestones as well. If the site falls victim to vandals or covered environmental events, the policy helps pay for replacements and repairs.
  • Did your home entertainment plans get derailed by a natural disaster? Your homeowner’s policy might contain a clause that allows you to claim damages for big events on your property that are spoiled by certain circumstances.
  • Your homeowner’s liability insurance has a further reach than your physical property. Any legal actions brought against you that relate to your property can qualify for an insurance payout. These funds help you afford lawyers, court fees, and legal judgments.

Every homeowner’s insurance policy is unique. Talk to the experts at Karla Salmon Insurance for advice on customizing your Oviedo, FL policies to fit your preferences, resources, and circumstances.

Will Commercial Insurance Cover My Commercial Vehicles?

When it comes to commercial insurance, many business owners may think that their commercial vehicles are automatically covered. Many of them may think that their commercial vehicles will be covered under their personal vehicle insurance. However, either one of these scenarios is not true. And it will be a very unpleasant surprise if you get into an accident in a business ride.

Having said this, it’s imperative to get commercial insurance for vehicles.  Regardless if your business included deliveries, rideshare drivers, chauffeurs, or other, you need commercial vehicle insurance for cars/trucks you use for your business. 

Commercial vehicle insurance covers the property inside the vehicle as well from theft or damage.  Also, local laws dictate the minimum amount required for commercial auto insurance. So, if you stay anywhere in Florida, for instance, there may be laws relating to commercial vehicles than in a different climate like Washington, D.C.  

So, if you stay in Oviedo, FL or other places in that state, you will need an insurance company that specializes in commercial auto insurance for that state. Karla Salmon Insurance is the one to turn to.  Located in Oviedo, FL, Karla Salmon Insurance has several years of experience in this industry. They are highly trained and licensed with tons of years of experience. They also have  So, if you stay in Oviedo FL, or other places in that state, you will need an insurance company that specializes in commercial auto insurance for that state. Karla Salmon Insurance is the one to turn to.  Located in Oviedo, FL, Karla Salmon Insurance has several years of experience in this industry. They are highly trained and licensed with tons of years of experience. They also have  

Home Insurance Myths

Home insurance in Oviedo, FL can seem complicated and there are a lot of misconceptions surrounding policies.

Home Insurance Is a Waste of Money

Your home is a huge investment and home insurance helps give you a safety net to protect that investment. While it may seem like a lot of money, having the right home insurance can be a huge saver if there is a loss, such as from burglary, fire, or a hailstorm.

All Belongings Are Covered

Home insurance does protect your personal belongings, but it is important to know there are limits. You have to read your insurance policy with Karla Salmon Insurance carefully to see what is covered. You may need additional coverage for certain valuables, such as jewelry.

Home Insurance Will Replace Property Like New

It will depend on your coverage. The actual cash value will mean that you will get reimbursed for the value of your belongings at the time they are lost. This means depreciation will be taken into account and you may not get enough to replace your belongings at today’s prices.

Flooding Will Be Covered

Many homeowners don’t realize until it’s too late that flooding isn’t covered by home insurance. You will need a separate flood insurance policy in order to have coverage for flooding.

Termites Are Covered

Termites can be very destructive and can cause a lot of damage, but they aren’t covered by home insurance. You will have to pay for extermination and any repairs from the damage. It’s important to have regular inspections so you can fix the issue before you have a full-blown infestation.

A Home-Based Business Is Covered

It’s likely that business equipment won’t be protected and you will need business insurance so that liability and equipment are covered. Depending on the equipment you need covered, you may be able to add an endorsement to your policy, but check with an agent.

Contact Karla Salmon Insurance, serving Oviedo, FL, to get a quote on home insurance.