NEWS FLASH!!!!
Did you know as of today, Allstate now offers condo insurance?
You probably know my agency offers car insurance backed
by Allstate. But did you know that I can now offer condo insurance options through Allstate or other companies to help you keep your home protected?
Spend less on your insurance when you BUNDLE!!!!
Put our experience and expertise to work for you. For a free
quote, call today at (321) 339-5642.
Grant & Alisa Southwell
Exclusive Agents
(p) 321-339-5642
gsouthwell@allstate.com
236 5th Ave. Indialantic, FL 32903
Home | Condo | Renters | Car | Motorcycle | RV | Boat | Personal Watercraft | And more...
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As you look toward 2021 and beyond, now is a great time to review your finances to make sure you're on track to reach your goals. For a complimentary financial review, call me today.
Help pass down a bright financial future to your loved ones. Call me to find out how Allstate life insurance can help.
Thanksgiving is the perfect time to talk turkey about life insurance. Let's find the right plan that will fit your family and your budget. Call me today.
I salute all my fellow Family Caregivers! Thank you for all the hard work you put in each day taking care of your loved one. May the Lord bless you with patience, strength and perseverance.
Alzheimer's Association
November 1 at 6:10 PM ·
Today kicks off #NationalFamilyCaregiversMonth. Throughout the month, we’ll celebrate the strength and dedication of dementia caregivers, especially during these uncertain times. Share a tribute in honor of a special caregiver in your life at alz.org/honor. #ENDALZ
Your world can change in an instant. Make sure your family is protected from life’s uncertainties with Allstate life insurance. Give me a call today.
Here's something I didn't know until I became an insurance agent.
We all want to keep our insurance premiums low, and one way to do that is to never have a claim. Of course, if we pull that off, we end up like the gentleman I spoke to today, who told me he had paid premiums for 53 years and never had a claim. He said he didn't want to even think about the money he had paid for insurance over that time.
Well, the thing about it is that when I was quoting him, he was getting an exceptional rate, so maybe he paid a lot through the years, but he certainly would have paid more if he had a few of the wrong kind of claims.
So what are the wrong kind of claims? Well insurance companies don't like any claims, but they detest what they call Water Claims. You see in their eyes, Water Claims are those that we should be able to prevent by being a little more careful with the maintenance and upkeep of our home. A hurricane or a hail storm comes along, and it can cause a lot of damage and a big payout, but there's nothing we could have done to prevent it from coming. A rusted out water heater, a burst washing machine supply line, a worn out shut-off valve, a ruptured ice-maker supply line, or a clogged up A/C condensation line can cause a lot of damage, and they feel like these incidents could be prevented with more frequent inspections and timely replacements.
It's easy though, for one year to run into the next, and before we know it, that washing machine supply hose that should be replaced every 5 years is 8 - 9 years old, or that water heater is 12 - 15 years old. These things often become out-of-sight and out-of-mind, and we don't realize how much they need to be replaced until there's a lot of water standing in our kitchen or utility room floor. When this happens, the insurance company will pay the claim, but don't be surprised to see a rate increase, or for it to potentially become difficult to get a quote/policy from another company.
So how do you prevent water claims. The key is scheduled replacement and maintenance. If you have an A/C unit or water heater in the attic, have it checked annually and make sure the drain lines and the pans underneath the units are free of debris and drain properly. Buy the better washing machine supply lines and change them at the recommended interval. Schedule a service call with a plumber and have them check all your shut-off valves and supply lines, and replace any that are showing signs of age or potential failure. (I recently tried to shut off the water to my ice maker so I could replace my refrigerator, and the handle for turning off the water broke apart in my hand as I tried to turn it.) Maintain your roof and windows. Re-caulk things that need caulked. Keep drains clear. Know how old your water heater is, and consider replacing it when the warranty expires. (I get wary when they're over 10 years old.) Finally, if you are going to be away from your home for a few days, shut the water off. Especially if you're going to be gone a long time.
I guess the worst thing I hear is when people have a water claim because their neighbors above them (in a condo or apartment) had a leak that flowed down into their unit and caused damage. Condo residents and COA's should encourage each other to perform the types of maintenance I have described above. It's bad enough if your supply line breaks and floods your condo, but it's even a worse feeling when your neighbor above has the leak that causes your ceiling, light fixtures and flooring to be damaged, not to mention the potential need for mold remediation.
If you have experienced these types of losses, you know what I am talking about. If not, consider yourself lucky and get busy with your inspection and maintenance. A Water Claim can be as bad for you as having an At-Fault accident on your auto insurance.
Please call (321) 339-5644 if we can help you., and be safe!
I got some sad news today. My very first customer passed away after a long battle with chronic health issues. I was heartbroken when his wife told me. He was such a nice man. He was fun to talk to, and even with his health issues he was always upbeat when I spoke to him. Talking to him reminded me of my Grandfather, although one had an Oklahoma accent and the other was straight out of Jersey. I will always remember him, and always be grateful for the trust he put in me when I was just starting out. May the Lord bless his wife and family. I loving memory of my friend, John.
This holiday season, pass down the gift of a secure financial future with Allstate life
insurance. Let's talk today and find the right plan for you and your family.
Happiest of birthdays to all of our customers born in December! From your local Allstate agency, we are wishing you a fun-filled year ahead.
Another hard day's work protecting our wonderful customers!
One of the things we consistently hear from our customers is their appreciation for how we explain coverages and coverage options to them, and we love it when customers tell us they got a lot of quotes but they went with us because we explained everything to them, rather than just "gave them a price".
If you want more than just a price, please give us a call at (321) 339-5642. Alisa and I will teach you about the three major coverages, the minor and optional coverages, and how each affects your premium. We will also explain the various discounts that may be available to you for Wind Mitigation or Safety and Security devices, Retirement, or bundling.
You don't have to be an insurance expert. You just need to know one. Please give us a call.
