Andersen Insurance Group, Inc.

Call us for all your insurance needs 904-298-1080

Happy Valentine's Day!

Wishing you a Happy, Healthy and Prosperous New Year!!

Merry Christmas from our family to yours!

Happy Thanksgiving from our family to yours!

Thank you to our veterans for your service.

We wish everyone a Happy Halloween. Please look out for the littles trick or treating and stay safe.

The homeowner’s insurance policy, as it is currently configured, did not appear in the United States until 1950. Prior to that, homeowners carried separate policies for each potential disaster – fire, theft, hail, etc. – that could strike a home.

Nearly 80 percent of catastrophic damage to houses are caused by garage doors being blown in. It compromises the entire structure of the house. In a particularly fierce hurricane, you can even back your cars against the garage door to keep it from blowing in. Just a little extra effort can prevent damage to your home!

Still on the fence about homeowner’s insurance? One of the biggest benefits is the comfort of knowing that your investment will be protected. Protect yourself. Protect your assets. Protect your home.

Personal umbrella liability insurance is additional liability insurance that will protect you if someone has an accident on your property – or if your property is involved in an accident – and you are found responsible for the incident.

Don't base the amount of homeowners insurance on your property tax. Property taxes include the value of the land, and you do not need an insurance policy for that since it is not considered something that can be damaged.

While we’d like to believe that none of your guests, friends, or their families would sue you if something went wrong at your house, these kind of lawsuits are, sadly, pretty common. Having an umbrella policy to cover you just in case means you don’t have to worry about it.

From our family to yours, we wish everyone a Safe and Happy 4th of July!

When you own multiple properties, you face increasingly greater chances of someone being injured on one of them. Umbrella liability insurance covers you when someone gets hurt and your standard policy is not sufficient to handle the costs.

If you are a collector of fine art or have a valuable jewelry collection, the value of these items may exceed what your homeowner’s policy cover. An umbrella policy or item specific rider policy will cover the increased value.

You can be liable for injuries on your property even if they’re uninvited; for example, if neighborhood kids jump your fence while you’re out of town and hurt themselves in your pool. This kind of unexpected occurrence is the exact kind of thing umbrella policies protect against.

If you tow your recreational vehicle, the truck you use for towing may need to have additional coverage to address damage that may occur while it is in use. The type of policy depends on the vehicle, its rating and weight, and other factors.

In most cases, you can purchase an umbrella policy in increments of $1 million to add more coverage to your existing liability insurance policy.

Boat and other watercraft insurance policies classified as Agreed Amount Value are those that pay the value of the vessel as agreed upon at the time of the policy and will pay that amount in the event of a total loss; depreciation is not considered.

The decision on the level of a deductible in a car insurance policy is up to the policyholder. An insurance expert can explain all the pros and cons, including the risk that a high deductible could become very expensive.

Do you already have an umbrella policy? This is great news, but most people’s financial situation changes yearly, so it might no longer be enough. An insurance expert can go over your current financial status to help you find the right umbrella policy.

In order to be competitive in the marketplace, you need to be able to attract and keep the best employee candidates available. Offering group health insurance is considered a best business practice.

There are basically 3 benefits to umbrella insurance. It provides additional lawsuit coverage of $1 million or more, it provides additional coverage for legal defense costs, and it provides liability coverage for some lawsuits not covered by your basic auto or home insurance policy.

Remember to pause and take a moment today to honor the brave men and women in our Armed Forces who made the ultimate sacrifice in defense of our great country,

Periodically, states revise the amount of automobile liability coverage a driver is required to carry. Review your policy from time to time and contact your agent to make sure you meet the minimum requirements.

Umbrella insurance sounds like a good idea to protect my home and other property, but how can I possibly afford a policy of $1 million or more? Many people are surprised at the affordability of umbrella insurance. Check with your insurance expert to see how cheap rates can be on an annual basis.

Once you have an insurance policy, keep the policy in a safe but accessible space. Be sure to carry an insurance card with you at all times too. Doing so can help to avoid confusion and delays especially in the event that urgent medical care is needed.

How is umbrella insurance different from excess insurance? Excess insurance only goes into effect when all other policies are exhausted, but umbrella insurance will fill in current insurance coverage gaps for wider and more accessible coverage.