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Tony Agrillo
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Insurance agent in Stuart, Florida
Insurance agent in Stuart, Florida

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The Newlywed Insurance Checklist

Auto insurance

Add your wife or husband to your auto insurance policy, or the other way around. The amount being paid for the coverage shouldn't change unless the new addition does not have a good driving record. If the two of you were using different insurance companies, find the best price for your new situation.

Renter or Homeowner Insurance

There are no discounts for renter of homeowner insurance for being married, so your rates won't change unless you're moving to a new place to start your married life. Make certain to evaluate your new total property insurance needs.

Call us today at (772) 287-1560 about your Florida insurance needs.
Visit our website at http://www.agrilloinsurance.com

Health Insurance

Compare the health insurance coverage and rates you both receive and choose what makes the most sense. Maybe he adds you to his policy or the other way around. Take into account future needs, such as maternity coverage.

Life Insurance

Too often overlooked is life insurance for the younger couple. Having life insurance coverage is a good idea if you own a house, no matter how young you may be.

Stop by for a conversation about your Florida insurance needs at our convenient location at 49 SW Monterey Road in Stuart. As an independent insurance agency we can quote several insurance companies. Agrillo Insurance Agency provides experienced insurance services for our clients throughout the Martin County, St. Lucie County, Palm Beach County and Indian River County, FL area.

Type of Fire Extinguisher to Purchase for Your Home

It's important to purchase the correct type of fire extinguisher to fit your needs. For the homeowner, an extinguisher type that covers Class A, B, and C extinguishers is a good choice. The ABC extinguisher is that all purpose choice. If you do a lot of cooking in the kitchen, you may need a class K fire extinguisher to protect against those grease or oil fire flare ups.

Below are types of extinguishers and the types of fire they help with:

Class A – cloth, wood, and paper
Class B – flammable liquids such as propane, flammable gas, and gasoline
Class C – electrical equipment, vehicles, and appliances
Class ABC - all purpose to handle the types of fires listed above
Class D – combustible metal fires. Used more in business and industrial settings.
Class K – grease and oil fires. Restaurant kitchen is typical user.

Call us today at (772) 287-1560 about your Florida home insurance needs.
Visit our website at http://www.agrilloinsurance.com

You should have a fire extinguisher on every floor of your home and one located for quick use where most fires take place, the kitchen. But you must be able to easily reach the fire extinguisher when needed and there is always the possibility that the fire blocks you from it, so keep one near your garage or washer / dryer area.

Make certain that everyone in your home knows how to use a fire extinguisher. Tips for use are below:

1. Pull the pin
2. Aim the nozzle at the base of the fire
3. Squeeze the lever
4. Use a sweeping motion with the hose

The fire extinguisher is the homeowners second line of defense after the smoke detector alarm. These two safety measures can reduce the damage to your home and maybe eliminate the need to contact the fire department.

Stop by for a conversation about your Florida homeowner insurance needs at our convenient location at 49 SW Monterey Road in Stuart. As an independent insurance agency we can quote several insurance companies. Agrillo Insurance Agency provides experienced homeowner insurance services for our clients throughout the Martin County, St. Lucie County, Palm Beach County and Indian River County, FL area.

A Vacant Home Requires Insurance

Consult your insurance agent about when your home insurance coverage stops if your home is vacant. It can be as little as 30 days. Maybe an illness or a long trip takes you away from your home for a long time. Your coverage can stop for vandalism after only 30 days in many home insurance policies and other coverage can stop after 90 days.

Don't find out when making that claim for the storm damage to your parents house that hasn't been lived in for 6 months that the claim won't be honored.

Call us today at (772) 287-1560 about your Florida home insurance needs.
Visit our website at http://www.agrilloinsurance.com

Contacting and using an independent insurance agent provides you with a great deal of expertise, knowledge, and confidence. An independent insurance agent knows that insurance polices are not one-size-fits-all, and will make sure you receive the insurance protection designed for your individual or family needs.

Stop by for a conversation about your Florida homeowner insurance needs at our convenient location at 49 SW Monterey Road in Stuart. As an independent insurance agency we can quote several insurance companies. Agrillo Insurance Agency provides experienced homeowner insurance services for our clients throughout the Martin County, St. Lucie County, Palm Beach County and Indian River County, FL area.

Protect That Special Day

Protect your wedding with a wedding insurance policy. Considering that the average wedding now costs nearly $30,000, a $350 to $450 insurance policy makes sense and offers a lot of protection.

With the right insurance coverage purchased before that special day, you could file a claim for damages if your wedding photographer is a no-show, or worse, the cake takes a nose dive in transit. A loss of deposits insurance rider will reimburse you for any nonrefundable deposits you've paid to a wedding vendor who doesn't deliver what was promised.

Not all circumstances can be covered by a wedding insurance policy. Cold feet is the big one.

Call us today at (772) 287-1560 about your insurance needs.
Visit our website at http://www.agrilloinsurance.com

Stop by for a conversation about your Florida insurance needs at our convenient location at 49 SW Monterey Road in Stuart. As an independent insurance agency we can quote several insurance companies. Agrillo Insurance Agency provides experienced insurance services for our clients throughout the Martin County, St. Lucie County, Palm Beach County and Indian River County, FL area.

Reduce Your Teens Auto Insurance Rates
Buy a Safe and Less Expensive Car

We know the statistics on teenage driving and accidents. One way to offer the utmost protection for your teen driver is to choose a car with a good safety rating. At the same time, help your self out by choosing to purchase or lease a car with the highest safety ratings and priced under $25,000. That list is below.

1. Honda Civic 4-door
2. Mazda 3
3. Toyota Prius
4. Honda Accord
5. Mazda 6
6. Ford Fusion
7. Mitsubishi Outlander
8. Nissan Rogue
9. Subaru Outback
10.Subaru Forester

Maybe not much horsepower in that list, but speed kills and safety rules.

Call us today at (772) 287-1560 about your Florida auto insurance needs.
Visit our website at http://www.agrilloinsurance.com

Stop by for a conversation about your Florida auto insurance needs at our convenient location at 49 SW Monterey Road in Stuart. As an independent insurance agency we can quote several insurance companies. Agrillo Insurance Agency provides experienced auto insurance services for our clients throughout the Martin County, St. Lucie County, Palm Beach County and Indian River County, FL area.

Insuring Your College Student

A report from the U.S. Department of Education suggests there are over 10,000 burglaries a year in student housing buildings at colleges in the United States. Is your college student child covered for all theft possibilities?

While your homeowners insurance policy covers personal possessions your student takes with them to college, it probably doesn't cover all of their possessions. You should review your policy to insure that you're not exceeding any limitations for property located away from your home.

Call us today at (772) 287-1560 about your Florida home insurance needs.
Visit our website at http://www.agrilloinsurance.com

Computers, laptops, cell phones, and other expensive electronics may require a supplemental policy to provide adequate insurance coverage.

Depending on your homeowners insurance deductible, it may be more cost effective to also purchase a renters insurance policy for your college student. It offers a lower deductible and an annual premium of under $200. A renters insurance policy may also be the best option if your college student is living off campus. Your homeowners insurance will not cover their possessions against theft or damage when not living in approved college housing. And that's even if they are living with another relative.

Stop by for a conversation about your Florida homeowner insurance needs at our convenient location at 49 SW Monterey Road in Stuart. As an independent insurance agency we can quote several insurance companies. Agrillo Insurance Agency provides experienced homeowner insurance services for our clients throughout the Martin County, St. Lucie County, Palm Beach County and Indian River County, FL area.

What Your Renter's Insurance Does Not Cover

A renter's insurance policy typically costs $12 - $15 per month. When deciding on coverage, choose a replacement cost policy, which reimburses you for what it costs today to replace a damaged item, as opposed to a cash value coverage policy, which only covers the item's current worth. It will cost a little more, but is worth it.

If you're living with a family member, their property will be covered as long as their name is on the renter's insurance policy. However, a roommate not related to you must purchase their own renter's insurance policy.

A renter's insurance policy does not cover natural disasters, so a separate policy will be needed if you live in a flood prone area for instance.

Liability coverage is not usually in a renter's insurance policy, so if you throw parties and have concerns about someone getting injured, add that coverage.

Document everything of value to assure coverage in the event of a claim.

1. receipts for all large purchases
2. list of model and serial numbers for your electronics
3. Store documents in a fireproof safe or make copies that can be saved externally
4. Take photos and store externally, such as in an app, smartphone, or on the cloud

Call us today at (772) 287-1560 about your Florida renter insurance needs.
Visit our website at http://www.agrilloinsurance.com

Stop by for a conversation about your Florida renter's insurance needs at our convenient location at 49 SW Monterey Road in Stuart. As an independent insurance agency we can quote several insurance companies. Agrillo Insurance Agency provides experienced renter insurance services for our clients throughout the Martin County, St. Lucie County, Palm Beach County and Indian River County, FL area.

Inform Your Insurance Agent of Life Changes

Your insurance, whether it consists of auto, home, boat, renter, motorcycle, RV, life, or business, is there to protect your property, yourself, or your family. The policy can only fully protect if it covers any changes in your life.

Have you added another driver? Your insurance agent will probably not know about that unless you tell them. The same goes for a change in your employment. If you're driving a lot farther to that new job or maybe telecommuting, your insurance agent needs that information to adjust your auto insurance coverage limits.

Added a new child to your family? Time to add to your life insurance policy.

Added a swimming pool or a dog? Made a renovation inside your house? Time to adjust your homeowner insurance policy to adequately cover these new changes and dangers.

Call us today at (772) 287-1560 about your Florida life insurance needs.
Visit our website at http://www.agrilloinsurance.com

Stop by for a conversation about your Florida insurance needs at our convenient location at 49 SW Monterey Road in Stuart. As an independent insurance agency we can quote several insurance companies. Agrillo Insurance Agency provides experienced insurance services for our clients throughout the Martin County, St. Lucie County, Palm Beach County and Indian River County, FL area.

Will Florida Motorcycle Insurance Be Expensive

As with auto and boat insurance, what type of motorcycle you drive and how safely you drive it are important factors that affect your Florida motorcycle insurance cost. The most important factors in determining your policy costs are listed below.

The factors of you:
+ Your age - a young rider is more of a risk than a middle aged one
+ Your riding experience - a new rider is more at risk than a seasoned one
+ Your driving record - how many tickets
+ Your location - an urban area is more of a risk than a county or rural area.
+ Your accident record - same as above, it builds a picture of your ‘risk rating’
+ Your occupation - a rock musician can be expected to have a different ‘risk rating’ compared to a teacher

Visit our website at http://www.agrilloinsurance.com
Call us at (772) 287-1560 about your motorcycle insurance needs today!

The factors of your motorcycle:
+ A larger 1000 cc race bike replica would attract a higher risk rating than a 250 cc Scooter
+ Modifications or tuning - tells the insurance company this is not a normal motorcycle risk
+ Age of Bike - a ten-year-old standard is less risk than a new sport bike
+ Value - a motorcycle worth $20,000 will be more than one you bought at a yard sale for $200
+ Location - safer if parked at night in your garage, and therefore less risk than if it's on the street in a downtown area

Stop by for a conversation about your Florida motorcycle insurance needs at our convenient location at 49 SW Monterey Road in Stuart. As an independent insurance agency we can quote several insurance companies. Agrillo Insurance Agency provides experienced motorcycle insurance services for our clients throughout the Martin County, St. Lucie County, Palm Beach County and Indian River County, FL area.

Don't Advertise You're Not Home on Social Media

Social media such as Facebook, Instagram, and Twitter are terrific for interaction and letting friends and family know about your life. Recognizing there are times when you should not post personal information is important. For instance, don't announce your vacation travel dates on social media if your home will be empty. Don't think that all burglars are not smart enough to troll social media. Some are!

There are over 2.1 million break-ins a year, with July and August being the most popular. It's not a coincidence that two months during the summer are popular for burglaries.

So go ahead and announce that award for Junior winning second place in the spelling bee at your social media accounts, but don't advertise when you will not be home.

Call us today at (772) 287-1560 about your Florida home insurance needs.
Visit our website at http://www.agrilloinsurance.com

Stop by for a conversation about your Florida homeowner insurance needs at our convenient location at 49 SW Monterey Road in Stuart. As an independent insurance agency we can quote several insurance companies. Agrillo Insurance Agency provides experienced homeowner insurance services for our clients throughout the Martin County, St. Lucie County, Palm Beach County and Indian River County, FL area.
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