L & M Insurance Group Serves Both Standard and Non-Standard Risks

key-949094_1280As an independent insurance agency, L & M Insurance Group has the ability to help 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. But did you know L & M is also a great place for drivers with clean records, good credit, and other factors that make them attractive to companies like State Farm or Allstate?

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, L & M 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!

 

L & M Insurance Group   represents more than 15 auto 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 auto insurance, we also offer a range of insurance policies to cover not only your car, but your house, boat, ATV, investment properties and so on. 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!

 

We want your business, so when you’re in the market for insurance, please click here to request a quote, or call us at. 813-672-4200.

L & M Insurance Group is an Independent Insurance Agency based in Riverview, Florida. We can shop, compare and recommend the home, auto, commercial or life insurance policy that’s best suited for you, your family or your business. Call 813-672-4100 or visit landminsurancegroup.com for more information.

Three Reasons to Choose L & M Insurance Group For Your Insurance Needs

live-1532301_1280We know buying insurance can sometimes be a confusing and frustrating experience. Sorting through coverages, deciding what you need and finding a cost-effective policy can be challenging. That’s where going with an independent agency like L & M Insurance Group can really help you. Here are three reasons to choose L & M Insurance Group for all your insurance needs:

Personal service

While it might seem like a good idea to go with an insurance company with national name recognition, that’s not always the best choice, especially if you have a complicated situation, need the best price, or want to develop a relationship of trust with your insurance agent. L & M Insurance Group is a local small business. We have an understanding of the area, including its special risks—like floods or hurricanes—since we live and work here, too. You are more than a policy number or email address to us.

In addition, as independent agents, we work for you, not the insurance company. We’re not captive agents of any one insurance company, so we can search for the policy that best fits your needs and budget. If you need auto insurance, for example, we represent more than 15 companies instead of just one. We work hard at providing our clients with the best coverage at the lowest cost. And if you have a claim, we stand ready to help you through the process.

Convenience

Wouldn’t it be nice to buy all your insurance in one place? Instead of calling multiple insurance companies for quotes on car, life, or home insurance, Save yourself time and hassle by letting us do the shopping for you. L & M Insurance Group is a full-service agency. We represent multiple carriers for every type of insurance, including automobile, homeowners/renters, commercial, builder’s risk, life, umbrella, and so on.

Knowledge

We know that navigating the world of insurance can be confusing, and we want to be a trusted resource for you. As mentioned above, we live and work where you do, so we are personally familiar with the special needs and insurance requirements of Florida residents—certainly more than a telephone representative working exclusively for an insurance company based elsewhere. We have more than 25 years experience in the insurance business, and are happy to answer your insurance-related questions. We also provide this blog as a service to our clients and prospective clients. (Please let us know if there’s a subject you’d like to see covered!)

We know you have many choices of who to call for your insurance needs. Contact us today at 813-672-4100 to discuss your insurance needs, or for a free, no-obligation quote. And thank you for giving us the chance to serve you!

L & M Insurance Group is an Independent Insurance Agency based in Riverview, Florida. We can shop, compare and recommend the home, auto, commercial or life insurance policy that’s best suited for you, your family or your business. Call 813-672-4100 or visit landminsurancegroup.com for more information.

Flood Insurance Is Now More Affordable

Affordable Flood Insurance

The recent flooding in the wake of Hurricane Hermine reminds us that living in Florida can be a soggy business. Since Florida is essentially flat, the entire state is at risk for flooding. If you’ve been reluctant to buy flood insurance because of the cost, we’ve got some good news for you.

It’s true that flood insurance rates have been rising. The National Flood Insurance Program (NFIP) is still pulling itself out of $24 billion dollars of debt incurred following losses from Hurricane Katrina and Superstorm Sandy, and government subsidies of flood insurance rates are being phased out. However, at L & M Insurance Group, we represent several private companies that write flood insurance policies at a more competitive rate than the NFIP policies.

Here are some basic things to remember about flood insurance:

  • Flood insurance is not included in a standard homeowners insurance policy and must be purchased separately.
  • If you live in a flood zone and have a mortgage backed by a federal lending guarantor (Freddie Mac, Fannie Mae, etc.), you must carry flood insurance.
  • Even if you don’t live in a high-risk area, you should consider buying flood insurance to protect your home. Be aware that 25% of flood claims come from preferred zones B, C and X.
  • Even a few inches of water can do major damage. The average flood insurance claim is $43,000, according to FloodSmart/gov.
  • The average NFIP flood insurance policy costs about $700 year. However, at L & M Insurance Group, we represent several private companies that could save you a substantial amount on your policy.
  • NFIP flood insurance covers your home and your possessions (with some exceptions). Your home’s structure can be insured up to $250,000, and its contents can be insured up to $100,000. Private flood companies offer higher limits, up to $500,000 on your home, and up to $250,000 for contents.
  • With NFIP policies, there is a 30-day waiting period after purchase before flood insurance goes into effect. With most of our private companies, there is no waiting period after the policy is bound.

Consider buying flood insurance to protect your greatest asset—your home. Contact us today for a free quote.

L & M Insurance Group is an Independent Insurance Agency based in Riverview, Florida. We can shop, compare and recommend the home, auto, commercial or life insurance policy that’s best suited for you, your family or your business. Call 813-672-4100 or visit landminsurancegroup.com for more information.

Congratulations Nick!

Congratulations Nick!

L & M Insurance Group would like to congratulate our newest employee, Nick Johnson, who recently obtained his Florida 4-40 customer service license. To do so, he completed the online college classes necessary to become a fully licensed Registered Customer Service Representative. Be sure to congratulate him the next time you speak to him!

Well done, Nick.

L & M Insurance Group is an Independent Insurance Agency based in Riverview, Florida. We can shop, compare and recommend the home, auto, commercial or life insurance policy that’s best suited for you, your family or your business. Call 813-672-4100 or visit landminsurancegroup.com for more information.

Assignment of Benefits Abuse: Everyone Pays

Oh no! You’ve just had a leaky pipe flood your bathroom and bedroom. While you’re busy fixing the pipe, mopping up and drying out, along comes a water mitigation company that wants you to sign a contract that allows them to deal directly with your homeowners insurance claim. They make it sound like they’ll handle everything from filing the claim with your insurance company to dealing with all the contractors who will be involved in making repairs to your home—if you sign a contract that contains an Assignment of Benefits clause. This sounds tempting—should you do it?

No, you should not, and here’s why.

Assignment of Benefits (AOB) is a tool that allows a third party to be paid directly by the insurance company for services performed, rather than by the homeowner after making a claim. Unfortunately, in Florida, unscrupulous trial lawyers and shady contractors (many of them unlicensed) have taken advantage of this tool, inflating repair costs and suing insurance companies if they deny the claim or don’t pay it in full. AOB abuse has become so rampant in Florida that’s it’s costing every homeowner money in the form of higher homeowners insurance premiums. According to the Consumer Protection Coalition, since 2000, there has been a 90,000% increase in AOB lawsuits.

Ultimately, this will cost Florida consumers as much as $1 billion dollars in rate hikes, and those rate hikes have already begun. State-run Citizens Property Insurance Corp. asked for a 3.2% increase in rates for all personal lines policyholders in its 2016 rate filing, and CEO and President Barry Gilway told Florida insurance regulators, “I want to be crystal clear on this issue: water losses are the major reason Citizens is seeking rate hikes for the coming year….” (AOB is most commonly used when a homeowner experiences a water-related loss, but the scam is also spreading to the roofing industry.)

Private insurance companies are also raising rates in response, with one large insurer saying it needs a rate increase of 15% statewide to cover the explosion of water loss claims and AOB lawsuits. Private insurers may also begin withdrawing from or eliminating certain zip codes where the abuse is widespread, making homeowners insurance not only more expensive but harder to get.

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In addition, often, AOB abuse also leaves homeowners with poor workmanship or incomplete jobs, and because they’ve signed over the rights to their insurance policy, they have no recourse.

If you have a water damage claim, here’s what you should do:

1. Call L & M Insurance Group or your homeowners insurance company.
2. Be leery of unsolicited offers from contractors or other vendors who want to take over dealing with your insurance company for your claim.
3. Carefully read any contracts of service, and look for a clause titled “Assignment of Benefits.” If you see it, don’t sign.

To learn more, visit www.FightFraud.Today.

L & M Insurance Group is an Independent Insurance Agency based in Riverview, Florida. We can shop, compare and recommend the home, auto, commercial or life insurance policy that’s best suited for you, your family or your business. Call 813-672-4100 or visit landminsurancegroup.com for more information.

Is It Time For You to Change Auto Insurance Companies?

Florida has some of the highest auto insurance rates in the U.S, with policies costing about 25% more than the national average—this according to an Insure.com study based on the rates from six large carriers including Allstate, State Farm, GEICO, and Nationwide. With costs rising all the time, you should comparison shop your auto insurance on a regular basis, especially if your current policy is with one of these carriers.

Many people believe that because they’ve been long-time customers of State Farm, Allstate or another large national carrier, they’re getting a great insurance rate. Often, that’s just not true. Many factors go into determining auto insurance rates including type of vehicle, coverage purchased, driving records, where you live, and sometimes even your credit rating. Carriers with name recognition like those listed above spend a lot of money on advertising to make you think they have lower rates when they really don’t. Do you want to subsidize their advertising budget, or find the best rates for you?

As an independent agency, L & M Insurance Group represents more than 15 different auto insurance companies—not just one. We are often able to save our clients hundreds of dollars each policy term just by placing them with one of our companies.

Give L & M Insurance Group the chance to save you money. Contact us by phone at (813) 672-4100 or email us for a free, no-obligation quote.

L & M Insurance Group is an Independent Insurance Agency based in Riverview, Florida. We can shop, compare and recommend the home, auto, commercial or life insurance policy that’s best suited for you, your family or your business. Call 813-672-4100 or visit landminsurancegroup.com for more information.

Introducing Online Quote Requests

We understand in today’s busy world, many would like to conduct their business in a more tech-friendly and efficient manner. We are very pleased to offer an enhanced customer service experience by introducing our online homeowner insurance quote request form.

Image result for online homeowner quote request

This form is an excellent starting point to begin the process of purchasing homeowners or dwelling insurance policies. The form is a quick and easy process for L&M Insurance Group to learn enough about you and your home so we can accurately provide a quote, including home insurance discounts to help you save money. It’s very simple to use and shouldn’t take more than 2 to 5 minutes.

Once you have completed the form, click the submit button to send your information–all quotes you request before 1 p.m. will get a call back the same day. So whether you are buying a new home or would just like to see if we can offer a better rate than your current company, you can use this link to get started. If you are a realtor or mortgage professional checking rates for a client, or if you own tenant occupied properties, our quote form will serve your needs as well.

And of course, if you would rather talk with a real person, we will always be more than glad to help you at 813-672-4100.

 

Larry Johnson
Larry Johnson brings over 23 years of experience writing insurance. He was the owner of Larry Johnson Insurance in Brandon for 13 years, and after selling his agency and taking some time off, he has joined L&M Insurance Group. Larry is excited to be back working with clients meeting their personal lines insurance needs. Call 813-672-4100 to get started

Congratulations Kristin!

Congratulations Kristin!

 

We would like to extend our congratulations to Kristin Gott, who is now a fully licensed Registered Customer Service Representative.   Because she completed the required online college classes to get the designation, she was able to successfully obtain her Florida 4-40 customer service representative license to sell and service insurance.

If you talk to her be sure to congratulate her on this accomplishment.

Well done, Kristin.

Larry Johnson
Larry Johnson brings over 23 years of experience writing insurance. He was the owner of Larry Johnson Insurance in Brandon for 13 years, and after selling his agency and taking some time off, he has joined L&M Insurance Group. Larry is excited to be back working with clients meeting their personal lines insurance needs. Call 813-672-4100 to get started

Hurricane Season Preparation

Hurricane Season Preparation

The 2014 Hurricane season starts June 1 and runs until November 30. If you haven’t started, you need to prepare now.

 

Hurricane Emergency KitImage result for hurricane preparedness

If you don’t have a hurricane emergency kit you could find yourself is a very bad situation. This is not meant to be a complete list, but a starting point.

Water and non-perishable food. You should have enough to supply the needs of each member of you family for a minimum of three days–don’t forget the needs of your pets as well.

First aid kit–don’t forget any prescription medicines, extra glasses etc.

Battery operated radio and spare batteries–the radio will allow you to get important updates from local officials.

Flashlights and batteries.

Cash.Image result for hurricane preparedness

Important documents in a waterproof container.

Blankets and/or sleeping bags.

A change of clothes and rain gear for each person.

Coolers and ice.

Games, books, cards–something to pass the time.

If you have a generator–make sure you gasoline.

 

Get Your Homeowners Insurance Coverage Ready for Hurricane Season

Do you have flood coverage?   Homeowners insurance does not include flood insurance, it must be purchased separately through the National Flood Insurance Program (NFIP). Just because you haven’t experienced a flood in the past doesn’t mean you won’t in the future. Don’t forget, in many cases, you will have to wait 30 days after you purchase flood insurance for coverage to take effect. You can get more information about flood insurance at the NFIP website at www.floodsmart.gov, or you can call our office for a quote.

Do you have coverage for additional living expenses? This coverage will pay the increased costs such as for a place to stay and food, associated with living outside your home if you are unable to live in your home because of a covered loss. Give us a call at L&M Insurance Group to see if you have this coverage on your policy.

Do you have contents coverage? This coverage typically refers to property you own, your “stuff.” If you have contents coverage, you should consider doing a home inventory of what you own–this will make filing a claim easier and will help ensure you don’t forget anything. The simplest way is to take a video of your possessions–room by room. Or if you like, just snap photos and write down some notes. Keeping track of receipts, model numbers and stores where you made your purchases is a good idea.   Don’t forget to keep the photos or video in a safe place outside your home.

 

Protect Your Property

First of all, have your insurance company claim phone number handy as well as your policy number.   There are many, many things you can do in advance to protect your property–simple things from bringing in outdoor furniture that can be easily picked up in the wind and thrown through a window, to having your trees trimmed so they don’t fall on your home. There are more complicated measures you can take like boarding up your windows or installing hurricane straps/clips to help your roof stay connected to the walls of your home. Further research online can give you more comprehensive suggestions to protect your home.

 

For Additional Information

 http://www.nhc.noaa.gov/Image result for hurricane preparedness

http://www.ready.gov/hurricanes

http://www.redcross.org/prepare/disaster/hurricane

http://www.tampabay.com/topics/specials/hurricane-preparedness.page

Larry Johnson
Larry Johnson brings over 23 years of experience writing insurance. He was the owner of Larry Johnson Insurance in Brandon for 13 years, and after selling his agency and taking some time off, he has joined L&M Insurance Group. Larry is excited to be back working with clients meeting their personal lines insurance needs. Call 813-672-4100 to get started

Does It Really Matter Where You Buy Insurance?

Does It Really Matter Where You Buy Insurance?

Yes, and making the wrong choice could be costing you money, service and coverage protection.   Purchasing insurance for your car, home, business or life is too important to treat lightly.

There are basically three ways to purchase insurance. The first is through captive agents. Captive agents sell for just one company, they generally have a familiar name that has been built up with a tremendous amount of advertising, but in the end, you are just buying a brand. They will provide one quote from one company. The second way to buy insurance is with a telephone representative, and once again, you are getting a quote from a heavily advertised brand name with very little choice. Finally, the third way is through an independent insurance agency like L&M Insurance Group–this is the way that will offer you the most choices in coverage options and prices.Image result for independent insurance agent

 

 What Are The Benefits OF Working With An Independent Insurance Agency Like L&M Insurance Group?

 

  1. L&M Insurance Group represents multiple insurance carriers. In fact, we represent more than 40 different insurance companies. With this many carriers we can insure any risk you bring through our door. For instance, if you called us today for a quote on your auto insurance, we would be able to provide rates from more than 15 different companies and another 20 companies if you needed us to insure your home. By doing this we can provide the best combination of rate, service, company strength and coverage options of any captive agent or telephone representative anywhere.
  1. L&M Insurance Group is on your side. Do you ever wonder who represents YOU and YOUR needs when it comes to insurance? Don’t wonder anymore. WE do.   WE work for you, not the insurance company. We periodically review your coverage to make sure it meets your changing needs and to make sure you are getting the best value for your money. You can’t say that of a telephone representative or a captive agent–they are both employees of the insurance companies.
  1. L&M Insurance Group is your trusted insurance professional. Need questions answered about SR22 insurance, replacement cost coverage vs actual cash value? Need help understanding wind mitigation reports, 4-point inspections or commercial general liability? Call and ask! Try that with a telephone representative who is evaluated on one criteria only–did he/she SELL you insurance.
  1. L&M Insurance Group can do it all. That means whether you need car, renters insurance, commercial auto, homeowners, general liability, life or builders risk–we can help you. It’s nice to have all your insurance taken care of by one professional.
  1. L&M Insurance Group will always treat you like a person. You are not a number to us.   Customer satisfaction is paramount here. We return calls and go out of our way to make each encounter with our agency a positive experience.

Contact L&M Insurance Group today for a free review your insurance needs. Partner with us and you won’t regret it. 813-672-4100. Click this link to email us.

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Larry Johnson
Larry Johnson brings over 23 years of experience writing insurance. He was the owner of Larry Johnson Insurance in Brandon for 13 years, and after selling his agency and taking some time off, he has joined L&M Insurance Group. Larry is excited to be back working with clients meeting their personal lines insurance needs. Call 813-672-4100 to get started