Home Policy

Protect your home inside and out with a homeowners insurance policy from us. You'll have access to a dedicated insurance agent who can help you understand what your policy covers and answer any questions you may have. A house is not just a house...it's a home. You've got to protect your investment because you're in it for the long haul and we can help. Most mortgages last 30 years. Let's get you the best plan to cover what's important for you.

How to Recycle Your Appliances

Whether you’re renovating your home or just upgrading to a more energy-efficient model, deciding to recycle an old appliance may be a good environmental move. Not only can it help find a new life for many of the metal, plastic and glass parts, the Environmental Protection Agency (EPA) says recycling may also help ensure that any harmful chemicals operating inside your refrigerator or other appliance are discarded in a responsible manner.
man moving old refrigerator on a dolly.

Here are five simple options for recycling appliances at your disposal.

Donate to Charity

If your appliance is clean and in good working order, you may find that there are a number of charities that are happy to take it as a donation. Habitat for Humanity, for instance, operates ReStore, a chain of home improvement outlets that accept gently used appliances, often with a free pickup. Many Salvation Army locations do the same and even provide you with an estimate of the tax-deductible amount of your gift.

Ask a Retailer

One of the easiest ways to recycle an appliance is to have a retailer do it for you. When you buy a new appliance, you can ask the store to haul away your old unit when they deliver the new one (they’ll likely tack on a fee). The EPA suggests working with retailers who’ve partnered with its Responsible Appliance Disposal (RAD) program, because they’ve agreed to use environmental best practices to recover and dispose of the materials.

Check with Your Utility Provider

As a way to encourage customers to use more energy-efficient appliances, many electrical utility providers offer recycling programs to help rid customers of their old energy-hogging units. They’ll often pick up your old appliance and will, in many cases, offer a cash rebate or a credit on your bill in exchange. Check the EPA’s list of utility partners to see if your provider is among those offering such a service.

Contact Your Municipality

EnergyStar.gov says that some local waste management departments have curbside pickup for “heavy trash” or “white goods” (a term that describes large household appliances, like refrigerators, which were frequently finished in white enamel). curbside pickup for refrigerators and other appliances. In some cases, the fee for this service is waived if you’re able to bring the appliance to an area drop-off point yourself. Check with your municipality to see whether either option is available to you.

Use a Service

If you still can’t find someone to pick up your appliance, or you just don’t have the means to haul the unit yourself, you may find that a local scrapper or commercial junk removal company is a practical solution. Generally speaking, these services do all the heavy lifting for you, but they may require a thing or two first. 1-800-GOT-JUNK, for instance, asks that you disconnect the appliance before their arrival. However, make sure the company you’re working will recycle the appliance appropriately, says the EPA.

Whichever method you chose, you can feel good knowing that recycling is a great way to retire your old appliances. What’s more, in most cases, you’re not even required to lift a finger.

Originally published on April 22, 2013.

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Benefits of Flood Insurance in Florida

 Substantial damages to property, businesses, and homes accompany the aftermath of a flooding disaster.  Being a property owner myself, I found basic home coverage inadequate during floods.  For that reason, you need more than basic coverage to survive through flooding disasters. So in this post I highlight the various benefits of having flood insurance in Florida. 

 #1: Guaranteed Compensation

Having witnessed the destructive power of floods, I know how stressful a flood’s aftermath can be.  For this reason, I decided to obtain flood coverage to minimize the effects of the flood.  However, a policy’s terms determine the nature of compensation as well as what damages are covered.  Keep it in mind that federal authorities categorize flooding disasters differently.  What this means for you is that you could end up missing on crucial coverage.  For this reason, having adequate flood insurance ensures that victims receive due compensation for any incurred losses.  

#2: No Repayment Clauses

Often, the federal government provides flood compensation in the form of repayable loans.  As a result, any assistance can seriously affect your cash flows for an extended period.  This is why I had to learn more about flood insurance in Florida.  Doing so helped me make the decision on whether to obtain private flood insurance.  Take it from me once you do that, you will enjoy full compensation in the event of a flood.  

#3: You Avoid Spending Tax Dollars

Florida’s local authorities collect taxes for state and federal development programs.  Often, when it floods state and federal authorities divert tax dollars to assist victims.  Doing so increases the amount of taxes we have to cough up to meet Florida’s development budgets.  As policyholders pay their own flood insurance, it obviates the need to divert development funds.  In turn, Florida’s we can continue receiving public services without any constraints. 

# 4: Reduced Waiting Periods

With my provider, I know I do not have to wait for long before receiving compensation.  Upon investigating I found out that, national insurance involves a 30-day waiting period in which I would not be covered.  As I bought my house during the hurricane, this waiting period was a bit scary and terrifying.  Getting private insurance ensured that I had the peace of mind that comes from knowing that I was covered from day one. 

#5: Enjoy Continuous Coverage

In Florida, flooding insurance is continuous meaning I don’t have to cancel or renew a policy due to cyclical flooding.  Also, when a flood occurs, it is daunting filing compensation claims.  Private flood coverage streamlines the claims process.  In Florida, it is acceptable to combine my homeownership policy with a flood policy under one provider.  Doing so streamlines the claims filing process ensuring that I receive much-needed aid after a flood.  


Besides the above benefits, flood insurance covers other damages arising from a flood.  For example, flood insurance foots living costs -food and accommodation expenses - while my property is being repaired.  Usually, a majority of flood insurance policies cover everything that a national flood policy does not cover.  Additionally, having flood coverage reduces your dependence on federal authorities for mitigating the damage caused by a flood.  

Call us today toll-free at 844-617-7444 and get a free quote.  We appreciate the opportunity to find you savings and help get the best coverage for your property.