Lakewood Financial Serves Standard and Non-Standard Risks

standard and non-standard risksIndependent insurance agencies, like Lakewood Financial, sometimes have the reputation of specializing in non-standard drivers who have risk factors that make it hard to get insurance at standard or preferred rates—factors such as accidents or a blemished driving record. While that can be true, Lakewood Financial offers great rates for standard and non-standard risk drivers.

 

Lakewood Financial  represents more than 40 car insurance companies, including Progressive, Safeco, Nationwide, Travelers, GMAC, Metropolitan, and Foremost. We understand the insurance needs that are specific to the standard risk and we can help you choose the liability limits that will best protect your assets. In addition to car insurance, we also offer a range of insurance policies to cover not only your car, but your house, boat, ATV, investment properties, and more. We also offer umbrella policies to protect your liability.

 

And because we represent many insurance companies rather than just one, chances are excellent that we can save you money, too! 

 

If you have a clean driving record and no or few claims, and you also have good credit, own a home, and carry high limits, Lakewood Financial could be a good fit for you. After all, good drivers also want and deserve the convenience, personal service, and expertise of using an independent insurance agency!

 

We want your business, so when you’re in the market for standard or non-standard risks insurance, please email us to request a quote, or call us at 941-747-4600

Boat Insurance – Boat Safe This Summer

boat insurance

It’s easy to see why Florida is the number one boating destination in the United States—we have thousands of miles of tidal shoreline, Intracoastal Waterways, lakes, and rivers to explore. The waters around Sarasota are especially beautiful, and boaters can go from roaming a secluded beach to pulling up to the dock at one of Sarasota or Bradenton’s waterside restaurants—all in one day!

Unfortunately, Florida also is the national leader in boating fatalities each year. At Lakewood Financial, we want to see you out enjoying the boating life, not coping with a life-threatening emergency. Here are five basics to help you boat safe this summer:

  • If you haven’t already, take a boat safety course. Click here for a free online safe boating course endorsed by the Florida Fish and Wildlife Conservation Commission.
  • Inspect your boat each time you get ready to take it out. Among other things, inspect the hull for damage, make sure the boat’s lights work properly, and that you have enough fuel. (Click here for a full pre-departure checklist.)
  • Make sure all safety equipment is in good working order, including life vests (see below), fire extinguishers (make sure yours is U.S. Coast Guard approved), emergency flares, and a carbon monoxide monitor (especially if your boat has an enclosed cabin). If your boat is 16 feet or more, you must also have at least one Type IV throwable flotation device, such as a life ring or flotation cushion. Also make sure you have a first aid kit on board.
  • Have a life vest for every person on board your boat. Make sure the vests fit properly and are in good condition. Most important: make sure everyone actually wears his or her life vest. The main cause of boating fatalities is boaters falling overboard who are not wearing life vests—an average of one person a week. Remember, it’s the unexpected event that poses the most danger—rough water or losing your balance, for example, can land you overboard with no time to find and put on your life vest. 
  • Don’t drink alcohol while boating. It’s illegal to operate a boat under the influence of alcohol, and your judgment and reaction time decline even faster in a boating environment than on land. The use of alcohol is involved in about a third of all recreational boating deaths, and the penalties for “Boating Under the Influence” can include fines or even jail time.

And, of course, make sure your boat insurance is current before you brave the waves. Give Lakewood Financial a call at 941-747-4600 for a boat insurance quote. Our Sarasota boat insurance policies are designed to fit the needs and budget of today’s boater. Happy boating!