We Can Insure That! Let Lakewood Financial Help With Specialty Insurance Coverage

specialty insurance coverage

You already know Lakewood Financial can get you great deals on your homeowners, car, and business insurance (and if you don’t, contact us today for a free quote!). But what if you buy a recreational vehicle, boat, or personal watercraft? Where should you go for insurance? Wonder no longer—we can insure that!

We want to be your one-stop insurance agents. Not only can we insure your home, car, and business, we can also provide specialty insurance coverage.

What is specialty insurance coverage?

Simply put, specialty insurance coverage is insurance for special or unique items or situations not typically covered under a standard home or auto insurance policy. This might include insurance coverage for classic cars, boats, ATVs, motorcycles, RVs, or personal watercraft.

In addition, important coverages such as flood insurance and umbrella policies can also be considered specialty insurance.

Protection from financial loss

The purpose of any insurance is to provide protection from financial losses—both physical losses and liability losses. Once you have the basics covered—insurance on your home and vehicles appropriate for your situation—you should consider what losses you might incur that would not be covered by those policies. What assets do you want to cover—like boats, RVs, and other “toys,” for example? You may need flood insurance, since flood damage is not covered by a standard homeowners insurance policy, or an umbrella policy to protect your financial assets in case of a lawsuit.

This might sound confusing, but it doesn’t have to be. As an independent agency, Lakewood Financial has been serving Lakewood Ranch, Sarasota/Bradenton and nearby communities for 25 years. We represent dozens of financially stable, A-rated insurance companies, and we will be happy to advise you in choosing the right specialty insurance coverage for your needs. Please call 941-747-4600, contact us, or visit www.lwfinancial.com for more information.

Stock Your Car With a Roadside Emergency Kit

Roadside Emergency Kit

Even though you take good care of your car, you never know when an emergency will arise. Stocking your car with a roadside emergency kit will may help you get back on the road more quickly if you have a breakdown. At the very least, you’ll be safer and more comfortable while you wait for help.

You can buy pre-made roadside emergency kits, but when you make your own, you know exactly what’s in it, and you can tailor it to the needs of your local climate. (In Florida, we don’t need kitty litter for icy roads, for example!) In addition to the supplies needed to change a tire, here are some basics your kit should contain:

 

  • First Aid supplies: antiseptic, Band Aids, hand sanitizer, antibiotic ointment, insect repellent, tweezers, Ace bandage, instant cold compress, etc.
  • Road flares or reflective triangles
  • Jumper cables
  • Fire extinguisher intended for automotive use. Use to fight a small fire, but if your car is on fire, don’t try to put it out yourself. Move to safety and wait for emergency help.
  • Rain poncho
  • Flashlight with spare batteries
  • Duct tape
  • Baby wipes
  • Rags or paper towels
  • Drinking water and non-perishable snacks
  • Multi-purpose tool
  • Blanket
  • Can of tire inflator, such as Fix-a-Flat
  • Gloves

You may also want to add a car cell phone charger, and pen and paper to your kit. If you drive an older vehicle, include oil, anti-freeze, and brake fluid.

 

Store your kit in a plastic container with a lid, a cardboard box, or other storage item and keep it in your trunk. Arrange everything neatly, preferably in a single layer so you can see what you have and get to it quickly. Also, do an inventory every few months, making sure to replace anything you use up or that expires.

 

It doesn’t have to take a lot of time or money to create a roadside emergency kit. Stock your vehicle with one, and you’ll be prepared if you’re ever stuck by the side of the road.

 

Remember, if you need car insurance, Lakewood Financial is here to help.  Please give us a call at 941-747-4600 or contact us online for a free quote.