www.showmanagement.com

The St. Petersburg Power & Sailboat Show, the largest boat show on the Gulf Coast, is set to sail into the Progress Energy Center for the Arts Mahaffey Theater Yacht Basin and Albert Whitted Park in St. Petersburg, Fl.  First Patriot Inc will be at the show to answer your insurance questions and give quotes.

The show will feature an impressive selection of power boats and sailboats in water and on land, including a 40,000-square-foot clearspan tent housing all types of marine gear. Show-goers will find hundreds of power boats and sailboats including family cruisers, runabouts, fishing boats, magnificent sailing yachts, personal watercraft and much more. 

In addition to the large selection of exhibits at this year's show, there will be an array of special events and fun and educational activities, including MARINE SEMINARS, the new Blue Wild Dive and Travel Show, and youth fishing clinics presented by the non-profit Hook The Future. Military personnel get free admission with an ID, and Kids 15 and under are Free!

                                    8 Ways To Cut Boat Insurance Costs
                                                By Paul Phaneuf, 20 Year Insurance Agent
 
As an insurance agent I am often asked by phone and at the boat shows, how can I reduce my boat insurance costs? Let’s look at some ways to lower your boat insurance rate:
 
 1.Check the limit on your boat policy. Does it reflect the current value,   not what you paid 4 years ago? Are you over-insuring your boat?

Pontoon Boats- Check your medical coverage. With Pontoon Boats there are often guests and family and having extra liability and medical for pontoon boats is often a good idea.

Bass Boats- Make sure your policy has extra coverage for your bass fishing equipment like poles and tackle. Many bass boaters have extra values for equipment. Bass boats may also need extra liability for tournaments- check your bass event rules before the big tournament.

Ski Boats- Ski Boats should have extra medical and liability for ski situations. 

Sailboats- does your sailboat have a trailer? Check as this might be a very expensive rider on your sailboat insurance.

Older boats- We have plans for boats up to 30 years old, including Dade and Broward. Check older boats for correct value and repair cost options when possible.
 
 2.Check your deductible. Ask for the savings of the next higher deductible. Many boaters don't want to turn in small claims anyway. Do you see your policy as a 'back up' for the big things like hurricane or theft? why pay extra for small/low deductible? This makes the most sense with high value boats.
 
 3.Do you want to pay for extras? Towing and personal property may be double insured, covered by homeowners policy or a towing service.
 
 4.Check territory on policy- make sure your policy reflects where the boat is stored and used. If it is a bass boat make sure you are getting the inland rates, not coastal. If you go offshore what is the mileage limit. I have seen policies with 3 mile off coast limit- no coverage after 3 miles.

Sailboats- Territory can be very important for sail boaters. When a sail boat is in the Bahamas or Cuba it is in another country and not covered by many sailboat policies!
 
 5.Discounts. Have you taken or could you take a boat safety course that would save you $. The courses are low cost- many companies give 10% discount! Pontoon boats, Bass boats , flats fishing boats and many others can get new boat discounts.
 
 6.Discounts. Will Insurance carrier give a multi policy discount for having other lines of insurance with them like automobile, home or life? For example, insure your pontoon boat or bass boat with the same company you insure your car with and you might get a 15% discount on the pontoon boat insurance!
 
 7.Discounts. Could a low cost fire extinguisher be installed (even on sailboat) that would give discount? Alarms, VHF - ask what discounts are available, it varies by company.
 
 8.Shop. Most agencies have one lead company they use. Check several companies for second opinion. Try some independent and direct companies and confirm quotes in writing. You will probably be shocked by the difference between the premiums offered on the same boat!

                                      Boaters with Disabilities

Information about boats designed for boaters with disabilities can be found at : www.h20mobility.com

                          8 Most common Boat Insurance Claims

Most Common Boat Insurance Claims

1. Boat Hitting a submerged object while moving
2. Theft  of boat
3. Collision with other boat
4. Storm and wind  damage to Boat
5. Theft of boat while in storage
6. Flooding of boat
7. Sinking of boat
8. Owner negligence while docking boat

8 Key Boat insurance Coverages

Here are 8 main coverages

Bodily Injury Liability- Pays for expenses to an injury to others from an accident you caused. Medical bills and defense costs to others may all be covered too

Property Damage Liability- Pays costs from damage to other property you hit like a  boat, dock or other structure.

Physical Damage- This covers damage to your own boat and its trailer. If you have a fire or hurricane damage to your own boat the cost of repairing it would be covered.

Underinsured/Uninsured boaters- In Florida usually covers medical for you and passengers in the event you get in an accident with a boater who doesn’t have insurance or is underinsured

Medical Payments- Medical for you or your passengers will get paid for up to the policy limit.

Dinghy- Some policy cover as equipment others cover as a scheduled item.

Personal Property for Scuba, Ski and Fishing Equipment- This pays for damage including theft of this property brought on boat that is not considered boat equipment or boat accessories.  

Towing and Roadside Assistance- This covers the boat during towing including costs or getting boat towed when grounded.

Boaters should check their policy for coverage, options and exclusions.  POLICIES FOR ABOUT $23 MONTH. DONT GO WITHOUT INSURANCE. Actual costs will vary and depend on coverages selected. Coverage is based on policy features selected. Subject to availability and qualifications.

Condominium Insurance for Florida

We offer the Greatest Coverage With The Absolute Lowest Rate For Your Condominium. A condo is different and uses a HO-6 policy form. This is a different insurance policy form than renters or homeowners policy. POLICIES FOR ABOUT $23 MONTH. DONT GO WITHOUT INSURANCE. Actual costs will vary and depend on coverages selected. Coverage is based on policy features selected. Subject to availability and qualifications.

8 Tips for Condo Insurance Shoppers

1. Check coverage A limit, The building Part. This is the part that covers what the association policy doesn't. This is your wallpaper, tile and carpet, kitchen and bathroom cabinets, electrical outlets and fixtures coverage. Most policies are underinsured here. You must consider what it would cost to get a contactor to rebuild these areas after a fire, hurricane or other covered loss. Miami, Dade and Broward have special concerns here after seeing Hurricane Andrew slam the condos there. But don’t think just because you are in Orlando, Jacksonville, or Tampa that this coverage is not important.

2. Get special coverage A for condo. This covers many extras including wind driven water that goes under sliding glass doors. . Miami, Dade and Broward have special concerns here after seeing Hurricane Andrew slam the condos there. But don’t think just because you are in Orlando, Jacksonville, or Tampa that this coverage is not important

3. Check limit C, your contents. This is everything your brought into the condo. Your big screen TV, computers, couch, clothes, kitchen plates, pots and pans etc. Make sure the limit is adequate. Schedule jewelry, silverware, artwork and other items that have policy limits. Ask your agent about flood insurance too.

4. Raise the loss Assessment Limit. This is the part that can cover the chargeback's from your association for uncovered losses on the master policy. for a few dollars you can double this coverage. . Miami, Dade and Broward have special concerns here after seeing  Hurricane Andrew slam the condos there. But don’t think just because you are in Orlando, Jacksonville, or Tampa that this coverage is not important

5. Get the highest liability offered, usually $500,000. This covers you liability to other tenants in building and property damage you cause to others in the building.

6. Loss of use, coverage d pays for you to stay in hotel after covered loss. This varies by company but it is important.

7. Check the wind and regular deductible. on most policies this can make a real difference by raising it or lowering it appropriately. . Miami, Dade and Broward have special concerns here after seeing Hurricane Andrew slam the condos there. But don’t think just because you are in Orlando, Jacksonville, or Tampa that this coverage is not important.

8. Get a policy with a good company. After a claim, you will be working with the adjuster for several months so a solid company makes things easier.

When Searching For Condo Insurance It Can Become Challenging. Insuring A Condo Is Not The Same As Insuring A Home. The Rules And Coverage’s Are Completely Different. This Is Why You Need A Specialized Insurance Agency That Can Help Find The Specific Coverage’s For Your Insurance Needs.

We Represent Multiple Insurance Companies That All Only Insure Condos. We Will Shop And Compare Insurance Companies For Your Condominium Insurance. . Miami, Dade and Broward have special concerns here after seeing Hurricane Andrew slam the condos there. But don’t think just because you are in Orlando, Jacksonville, or Tampa that this coverage is not important

Find Out Your Own Condo Rate By Clicking  On Our Home Quote Tab. We will e mail you  a condo rate quickly after shopping it.

Or call First Patriot Inc Insurance Agency For Immediate Service for Condo Insurance Florida.

BAY AREA BASSMASTERS

FLORIDA’S LARGEST FEDERATION NATION “BUDDY” TEAM TOURNAMENT TRAIL BASS FISHING CLUB DESIGNED TO PROVIDE A LITTLE SOMETHING FOR ANGLERS OF ALL AGES WITH OR WITHOUT EXPERIENCE.

www.bayareabassmasters.com

First Patriot Inc Insurance Agency is a Member of Bay Area Bassmasters. Becoming a member of Bay Area Bass masters opens many doors for all anglers. Regardless of age, you can compete for our Team Anglers of the Year (TAOY) awards. Anyone over the age of 18 also has the opportunity to qualify to fish in the upcoming Bass masters Classic. Bay Area Bass masters is a club that provides something for everyone, whether you're an avid experienced angler, or someone who is new to the sport, we want to invite you to join us and experience the sheer fun of tournament bass fishing at its best. First Patriot Inc Insurance Agency is proud to be a member of this fine organization that promotes sportsmanship and conservation and community service.

Our Agency Commitment to the Florida Community

As a Insurance Agent living in Tampa for 27 years with my wife and three children I know many local families. My knowledge and understanding of the people in this community help me provide over 3,000 customers with an outstanding level of service. We serve customers from Key West to Pensacola.  I look forward to helping families like yours protect the things that are important – your family, home, car, boat, and more. I'm also here to help you prepare a strategy to achieve your Insurance goals.

One of the things I like best about working with First Patriot Inc Insurance Agency is the variety of products and services I can offer my customers.  I can offer products such as Life, Dental and Health Insurance. My goal is to not only help you with your immediate boat insurance needs, but also to help you with your goals for the future. 

Through time and money our agency supports organizations like:

Heifer International

Wheels of Success, Tampa

Metropolitan Ministries, Tampa

Hillsborough House of Hope, Tampa

United Way of Tampa Bay

Bok Tower Garden, Lake Wales

First Patriot Inc Insurance Agency offers a range of products to help you protect you.

We take pride in the service we provide our customers. And with our

range of innovative insurance products, we can help you

protect your lifestyle.

We offer all types of  Insurance:

• Boat , Bass Boat, Fishing Boat, Pontoon Boat

• Personal watercraft

• Motorcycle Insurance

• Snowmobile insurance

• Motor home insurance

• ATV insurance

• Golf cart insurance

• There’s more — call us!

Home Insurance

• House insurance

• Condo insurance

• Renters insurance

• Vacation home insurance

• Landlords Package Policy

Auto Insurance

• Safe driver and Teen driver discounts

• Standard auto insurance