Why You Should Buy Replacement Cost

There are only a few exceptions that a quote will go out from this agency without replacement cost included. Watch and understand why that's important to you.

EMERGE INSURANCE AGENCY
904-677-5884

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On Sale!! - Boat Insurance

We offer boat and watercraft insurance from four major carriers. We can find the coverage and sale price for your budget.



Contact us for your boat, watercraft, RV, motorcycle or insurance needs for any of your toys.

EMERGE INSURANCE AGENCY
904-677-5884
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What Auto Coverages Do I Need?

Before you begin the search for that dream car you've been eyeing, lets have a conversation about auto coverage. These days its important to know just how much insurance you need to insure that you are truly taken care of in an accident.

 

At Emerge Insurance Agency we make sure to take our time with our clients. We insure that they understand exactly what they are getting, and we make sure to inform them on exactly what they need.

EMERGE INSURANCE
904-677-5884
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Should You Have A Commercial Auto Policy

Some businesses find out they need a commercial auto policy to late.  A commercial auto policy is a wise risk management strategy for most businesses.



Let us help you assess your needs and risk exposures.
EMERGE INSURANCE AGENCY
904-677-5884
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Insurance for the Dog Owner

It is absolutely essential for every dog owner to have homeowners insurance or renters insurance, and that the insurance policy does not exclude accidents caused by the dog. Dog owners must review their homeowner and insurance policies to make sure that they have protection against canine-inflicted injuries -- and should not purchase insurance polices that exclude it.

EMERGE INSURANCE AGENCY
904-677-5884

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Protect Your Family From Dryer Fire

According to the U.S. Consumer Product Safety Commission, more than 15,000 fires are sparked every year by clothes dryers.  Lint and other debris can build up in your dryer vent, reducing air flow to the dryer, backing up dryer exhaust gases, creating a fire hazard.

"Clothes dryers are an appliance that make our lives easier but we often take them for granted. We shouldn't," said Angie's List founder, Angie Hicks. "We need to maintain them and most importantly have their vents cleaned."

Facts and figures
In 2010, an estimated 16,800 reported U.S. non-confined or confined home structure fires involving clothes dryers or washing machines resulted in 51 civilian deaths, 380 civilian injuries and $236 million in direct property damage.
Clothes dryers accounted for 92% of the fires; washing machines 4%, and washer and dryer combinations accounted for 4%.
The leading cause of home clothes dryer and washer fires was failure to clean (32%), followed by unclassified mechanical failure or malfunction (22%). Eight percent were caused by some type of electrical failure or malfunction.

For additional tips on how to keep your dryer in proper working order to prevent fires, watch the video titled, “NFPA Safety Tips – Clothes Dryer Safety” or download their safety tips flier.

We encourage you to share this information with your family and friends. In our opinion, everybody is so busy, the focus is on taking care of the pile of clothes in the laundry room and we don’t take time to think about the importance of proper maintenance. Or we see or hear a story like about a dryer fire and think it will never happen to us.

Source:
http://www.nfpa.org/safety-information/for-consumers/causes/dryers-and-washing-machines

EMERGE INSURANCE AGENCY
904-677-5884
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A Florida Business Should Consider Business Interruption Insurance

Watch and listen to this Florida business owner's experience with the need for business interruption insurance.



Call to discuss your business's exposures and need for protection before that "what if" happens.

EMERGE INSURANCE
904-677-5884
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Unbiased Motorcycle Insurance Buying Tips

Here are some tips for buying motorcycle insurance  from someone not in the insurance industry. 



Call us for a motorcycle insurance quotes from Progressive, Safeco Insurance, General National (new name for GMAC), and Foremost.

EMERGE INSURANCE
904-677-5884
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Your Credit Score and Insurance Companies

It can not be stressed enough how critical it is to maintain a high credit score.  Your good credit score it important not only for lending opportunities but also other cost-saving opportunities. 

Insurance companies derive an “insurance score” based on your credit score. It’s part of the process with out exception. Rest assured, however, it’s considered a “soft hit” and will not impact your credit score in the same way when trying to secure financing.

If your credit score is low, insurance companies views you as a poor risk when it comes to paying your bills on time. If you do not pay your bills on a timely basis, costs to maintain and administer an insurance policy becomes much more expensive to the insurance company. Insurance companies will charge you for this risk and some will decline to even provide a quote.

One way to prove  insurance companies wrong is to agree to set up your policy on an Electronic Funds Transfer (EFT) basis. This keeps your account current and in force. Credit bureaus like to see that you pay your bills on time. This will help to avoid blemishes for late payments as well as any potential collection agency issues.

But, we are not the expert in building credit or repairing credit and encourage you to ask the experts for advice. 

Here is a list, as provided by Experian, of items on a credit report and how long it could affect your credit:

1. Open accounts with no negative payment history: remain indefinitely as long as they are open and active.

2. Closed accounts with no negative payment history: remain 10 years from the date they are closed. Positive accounts remain on your credit report longer than negative accounts.

3. Late payments remain seven years from the original delinquency date. A single late payment is deleted at seven years. If there was a series of late payments (not paid at 30 days, or 60 days, or 90 days) and then brought current, the payments would be deleted seven years from the first one missed in the series. If the account was never brought current and charged off and placed for collection, the entire account will be deleted based on the date the account became late and was never again current. This is known as the original delinquency date.

4. Collection accounts remain seven years from the original delinquency date of the original account. Collection accounts are treated as a continuation of the original debt and are deleted at the same time.

5. Chapter 13 bankruptcy is deleted seven years from the filing date because at least a portion of the debt is repaid. Chapter 7 bankruptcy remains 10 years from the filing date because none of the debt is repaid.

6. Civil judgments remain seven years from the filing debt. A civil judgment is essentially a debt you owe through the court.

7. Unpaid tax liens remain 10 years from the filing date. Once paid, the lien will remain seven years from the paid date.

8. Inquiries: remain two years from the inquiry date. However, the impact of inquiries on credit scores is minimal and decreases rapidly.

There are several tips that could help you when trying to repair your credit. They include but are not limited to:

1. Pay down your credit cards.
2. Don’t carry big balances.
3. Reuse an older credit card to reflect the longevity of your credit history.
4. Dispute smaller or older negatives.
5. Eliminate significant errors listed on your report.
6. Add an installment loan (auto, mortgage loans) vs. revolving credit (credit card) to your financials to prove your reliability to pay bills.

We encourage you to  work with a professional if you need to pursue building or repairing your credit whether personally and/or for your business.

EMERGE INSURANCE AGENCY
907-677-5884
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Making Your Life Greener - Can Save You Money

Many household items serve multiple purposes saving you money, time and they are all chemical free.

EMERGE INSURANCE AGENCY
904-677-5884
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