Blog


Renter’s Insurance is a Smart Choice for Renters and Landlords
As a renter, the apartment or townhouse you live in may not require you to have renter's insurance, but not[...]
What You Should Know Before You Buy a Fixer Upper
In the Lakeland and Plant City areas, many homes have crossed the century mark. These beautiful old southern homes can[...]
Preventing Slip and Fall Incidents at Your Home or Business
We may not get much ice in Central Florida, but many other potential hazards can cause someone to slip and[...]
Simple Ways to Deter Burglars from Breaking into Your Home
Do you live in an area where crime is on the rise? If you live in Lakeland, the answer is[...]
How to Create a Home Inventory List for Insurance
Living in Central Florida your home is at risk from a number of natural things such as hurricanes, lightning, flooding,[...]
Lower My Hurricane Deductible
Ways I Can Lower My Hurricane Deductible
Lower Hurricane Deductible Options
Lock Insurance has been in business quite awhile and have been through several hurricanes, but hurricane Irma really showed who[...]
When You are Comparing Auto Insurance Quotes
Shopping around for auto insurance is the best way to make sure you are getting the best deal.  But not[...]
Homeowners Insurance Claims
Whether its damage due to a natural disaster, an unexpected accident or break-in, knowing when you should file a home[...]
Professional Liability Insurance
Whatever your profession, protecting yourself with professional liability insurance is not just a smart thing to do, but a necessity[...]
How Much Homeowners Insurance Do You Need!
Homeowners insurance is an essential part of owning a home and is a cost usually considered as part of the[...]
What Is Force-Placed Home Insurance?
Unless you are very lucky, you probably have a mortgage on your home.  Your mortgage company, also known as a[...]
Auto Insurance Discounts
You probably hear a lot about auto insurance discounts; television commercials for various companies strongly advertise all the discounts they[...]
Understanding Health Insurance
Health insurance can be complicated; there is no doubt about that. While it is difficult to understand all the details of your[...]
If You Let Your Auto Insurance Coverage Lapse
If you let your auto insurance coverage Lapse it doesn't seem to be that serious of a matter on the surface. It is not[...]
Keep Good Records For Your Insurance
You have homeowner's insurance to protect your home and everything in it from an accidental and unexpected incident that causes[...]
The Right Health Insurance For You
Health insurance has changed dramatically in the last 3 years. Before The Affordable Care Act of 2010 (ACA)  aka Obamacare,[...]
Product Liability Insurance, Do You Have Enough Coverage?
You know that if you manufacture any sort of product you need to carry a special type of liability insurance[...]
Health Insurance For Families
Starting a family is a major undertaking and will change everything about your life. Now that you are responsible for[...]
Health Insurance For Families
Starting a family is a major undertaking and will change everything about your life. Now that you are responsible for[...]
How To Shop For Health Insurance
If you have always had health insurance provided through either a family member or your employer, shopping for health insurance[...]
Understanding Why My Car Insurance Is So High
Car insurance rates are dependent on a number of factors, and understanding what your rate is based upon can help[...]
Workers Comp Insurance Do I Need It For My Business?
What ever industry you are in, injuries at work can happen. If one of your employees is hurt on the[...]
Important Things When Shopping for Condo Insurance
If you are looking into buying a condo, you might not consider the cost of condo insurance.  Condos are not[...]
Employment Practices Liability Coverage
It is so common today all business are at risk that is why Employment Practice Liability Coverage is so important.  You[...]
Will A Car Accident Affect My Auto Insurance Rates?
If you have recently been in an car accident you are likely already dealing with considerable stress, but worrying about whether[...]
Buying Car Insurance Online
Before you purchase your car insurance online there are a few things about online car insurance companies that you should know[...]
Workers Comp and the legalities of not having it.
Carrying a good workers comp policy is a smart choice for your business. An injury to an employee on your[...]
Why Do I Need An Auto Insurance Agent.
Many auto  insurance companies today don't sell their policies through agents, but directly from the company either online or over[...]
Combining Insurance Policies To Save Money
The number of insurance policies that you need, and the premiums that you pay for them, can seem to take[...]
What You Must Know About “Hurricane Insurance”
Some insurance companies in the Southeast have come under heat from their subscribers as hurricane season brings about changes in[...]
Premiums Rise for High Risk Homes
With citizens consuming high risk properties for several different reasons such as:   High Risk Area Prior Insurance claims Age[...]
Where to Start with your Home Insurance Claim
Home Insurance claim   Whether it is a burglar, a fire, or a hurricane, it is always devastating. Check your[...]
Benfits of Electronic Funds Transfer
If you are like me, than you are probably on a budget. That being said, who wouldn't want to save[...]
The Benefits of Going Paperless
The benefits of going paperless are many, the most important of those being, the money you can save by enrolling.[...]
Do You Need A Commercial Auto Insurance Policy?
If you run a business that requires the use of vehicles for company activities, you need a commercial auto insurance[...]
Most Inexpensive Insurance Coverage You Can Buy!
If you’re renting, look around your home, anything you can pick up and take with you is considered personal propertyand[...]
How to Enjoy Your Motorcycle and Avoid Danger
Motorcycle accidents are dangerous on many levels. Not only are you more likely to sustain an injury in a motorcycle[...]
Is Your Business Property Covered?
Take a minute right now to look around your office. What do you see? Most likely you see furniture, a[...]
Protecting Yourself And Your Employees With Workers’ Compensation
No matter what your industry, injuries at work can happen. If one of your employees is hurt at work, you[...]
Starting Your Teen Driver Off on the Right Foot
School has started in Central Florida again, and many teens are driving themselves to school for the first time this[...]
Do You Have Identity Theft Coverage on Your Home Insurance Policy?
If you've never had something stolen from you in your lifetime, then you’re one of the lucky few. For everyone[...]
What Type of Liability Coverage Do You Need For Your Business?
No matter what type of business you run, you need to protect your interests with the right liability insurance policy.[...]
FYI…Children are in booster seats a little longer
Do you have a toddler under the age of 5? Are you a Floridian? Well if so, brushing up on[...]
Commercial Auto Policy, Who and What is Covered?
You count on a commercial auto policy to protect your business from liability risks that could be incurred when you or[...]
Water Back up and Sump Overflow Coverage… Do you have it?
Imagine coming home from a long day at work to see that your carpet is completely soaked and your home[...]
Dog Liability Coverage on Your Homeowners, Do You Have It?
If you’re a dog lover, you know the importance of making sure your furry friend feels like a part of the[...]
Replacement Cost vs. Actual Cash Value… Which would you prefer?
When consumers shop around for homeowner’s insurance most only get a quote based on the amount of their loan. Here lies the[...]
Fun in the sun!
The summer months are finally here and Floridians are doing what they love to do… get in the water. Some[...]
Should you get Golf Cart Insurance? Good Question.
Golf Carts in the state of Florida is unique in the fact that requirement of golf cart insurance varies from county[...]
Going to the Beach this Summer? Play it safe.
Floridians are fortunate enough to live in a state that experiences beach weather almost year round but before you put on[...]
Who Likes Red Light Cameras?
Gone are the days when you could run a red light and get away with it. Red light cameras are everywhere,[...]
May is Bike Saftey Month
People all over the country are taking part in this event. Communities all over central Florida have put their own[...]
What you must know about Home Inspections
Most people only think of getting a home inspection when purchasing a home and while that is the most common[...]
Flood Insurance Will The Changes Effect You?
On July 16, 2012 changes were made to The National Flood Insurance Program (NFIP) that required the Federal Emergency Management[...]
Should I buy the Insurance when I rent a car?
Most people think that when they rent a car they don’t have to purchase rental insurance but that is not[...]
Should you add your teenager to your automobile insurance? …Well it depends.
Like any automobile insurance, premiums are based on a number of factors. Gender, driving record, prior liability limits all play a role[...]
Protect Your Home from Fires!
According to FEMA there are an estimated 405,000 in residential home fires a year and 4.7 billion in property loss.[...]
We want to welcome Peoples Trust Insurance Company to Lock Insurance
Their Mission: People’s Trust is committed to making Florida homeowners insurance affordable by providing our customers with protection that emphasizes[...]
Flood Insurance Rate Increases
The Senate passed a bill in January to delay certain flood insurance rate hikes. The bill delays the implementation of[...]
Motorcycle Insurance… Why get it?
Why get it? According to the Center for Disease Control and Prevention (CDC) an estimated 1,222,000 persons were treated in[...]
The difference between Homeowners Replacement Cost and Actual Cash Value.
You have two main areas where this coverage comes into question. An H-03 (most common type of policy)normally comes with[...]
Texting While Driving is on the Increase
Texting while driving has been an issue for sometime and you usually associate it with younger drivers, but I see a[...]
Ordinance of Law Coverage
Why most of our customers have a general idea of what there Home insurance covers most don't understand covered perils[...]
Protecting your Home from Fire Risks
Protecting your home and family On average a home blaze happens every 87 seconds, 7 people die and 40 are[...]
Why Is Vacant Land Insurance Important?
Many people do not realize the importance of vacant land insurance. But purchasing this insurance now can save you a[...]
Five Essential Tips on Owning a Secure Home
According to the FBI, a burglar breaks into a home every 15 seconds in the United States. Many of these break-ins[...]
Everyday Insurance Risks in Florida
Getting home insurance in the state of Florida can be a hassle. Many national chains of insurers are wary to[...]
What is Condo Insurance?
Some people do not understand the value of condo insurance. In general, condominium owners own their condo unit outright, while[...]
Tips on a Healthier Fall Lifestyle
Living healthy is important. Not only can it help you live a longer, more fulfilling life, but it can help[...]
The Importance of Renters Insurance
Many students are venturing to college for the first time, and may choose off campus housing. Or, maybe you have[...]
Going on Vacation? Some Tips to Keep Your Home Safe
Are you going on a last minute summer vacation this month? If so, there some simple tips you can remember[...]
Summer is here, lets talk pool Safety!
It's already hot and it is time for A/C or the water. Kids are breaking out the water rafts and[...]
Are you prepared for a Hurricane?
We are in hurricane season, and your Lock insurance independent insurance agent reminds you that thousands of folks failed to[...]
Congratulations Class of 2013
Now It’s Time to Graduate to Your Own Insurance! It’s a rite of passage for college students to don cap[...]
New Flood Insurance Development
Flood Risk Floods are often associated with rivers and streams overrunning their banks, or with heavy rains from hurricanes and[...]
Prom Night Issues three things to discuss with your children
If you’re a parent with teenagers you know that the prom is a special night for your teen, and while[...]
Time is Money: Save on Both
Saving 5 cents a gallon on gas is great. But, if you have to drive 20 minutes to get to[...]
Car Insurance: Buying Car Insurance In The 21’st Century
Buying car insurance can seem like a daunting task, but there are often steps you can take to make it[...]
Understanding your Insurance Policy
Most everyone has some type of insurance policy containing the terms below. Familiarize yourself with each section.   The common[...]
Boat Safety Tips for the Summer
It’s already the middle of summer, and many people have been spending their time out on the water with their[...]
Questions to get the right auto insurance
Using the right tool for a job is key to success in any profession. Experts say the same principle applies[...]
Tips To Help Your Vacation Get Off To A Worry-Free Start
With vacation season in full swing, you may be in the process of planning an annual getaway. While most people[...]
Do I need personal or commercial auto insurance
Using the right tool for a job is key to success in any profession. Experts say the same principle applies[...]
sr22 Insurance: Do You Need It?
You know what they say driving is a privilege.   Florida sr22 insurance is a policy that is required by[...]
An RV Trip should not ruin your marriage or your day!
Mistakes happen, especially when you’re somewhere unfamiliar, but the results of a recent survey may still surprise you. The survey[...]
Young Drivers Insurance
Many drivers are concerned about the cost of insuring a beginner driver, new driver pricing varies significantly depending on a[...]
Boat Insurance Myths
You don't believe in the Loch Ness Monster. You don’t believe your friend caught Jaws fishing off the Florida coast.[...]
Insurance Tips for Vacation
Three Tips To Help Your Vacation With vacation season in full swing, you may be in the process of planning[...]
Protecting Your Automobile Against Theft in Polk County
Vehicles are stolen all the time and can be at risk for theft at any time. It’s important to make[...]
How to Pick the Right Insurance Company
Picking the correct insurance company for your needs can sometimes be a chore. Whether it is for auto insurance, home[...]
Cheap Insurance
It can be easier than you think to put the brakes on high auto insurance rates – as an independent[...]
Motorcycle Insurance
A motorcycle is a significant investment. Before you get your motor running and head out on the highway this season,[...]
Important things when shopping for Condo Insurance
If you are looking into buying a condo, you might not consider the cost of condo insurance. Condos are not[...]
Tips To Consider When Shopping For Life Insurance
More and more, people are debating the worth of life insurance. But it is one of the most valuable insurance[...]
Home Insurance Lakeland
Home insurance in Lakeland is a very important insurance policy that you should consider getting for you and your family.[...]
Understanding the Price of Auto Insurance
Once you understand the various portions of coverage that are available through an auto insurance policy, it is time to[...]
Understanding Auto Insurance
Sometimes it can be difficult to pick the right auto insurance for you. There are some things to think about[...]
Security First Insurance Company
Is an (A) rated company that writes in all most all counties in the state of Florida!     Security[...]
Truck Insurance
Seven Tips To Finding The Right Commercial Auto Policy Finding a good deal on commercial truck insurance is about more than[...]
Are You Ready for a Hurricane
Hurricane season starts June 1 and ends Nov. 30 for the Atlantic Ocean The peak threat of hurricane activity is[...]
The difference between Sinkhole and Catastrophic ground cover collapse
Sinkhole Coverage   A sinkhole, also known as a sink, shake hole, swallow hole, swallet, doline or cenote, is a[...]
Flo From Progressive brings Snapshot
Being A good driver can save you money!   Introducing our biggest discount ever: THE SNAPSHOT DISCOUNT! only from Progressive.[...]
Seminole Casualty Insurance Company
Be weary of small companies! Seminole had about 41,000 policies in Florida as of February, mostly covering personal drivers with[...]
What is the Best Home Insurance For You?
When looking at Lakeland insurance plans and policies, the options can sometimes get overwhelming. Which plan is right for you?[...]
New Discounts Available for Truck Insurance!
Save money on trucker insurance there are several new discounts available!   Several commercial insurance companies are coming introducing several[...]
Car Accident Fraud Can Cause Insurance Prices to Rise
Car insurance the price you pay is going to increase! It is hard to believe during 2009, Tampa experienced a[...]
How Do You Determine How Much Coverage You Need?
Insurance for your family members!   Recent study published by LIMRA, fewer of us today have insured the financial future[...]
Make the Most of Your Tax Return
Making the most with your tax return! Taxpayers of any income level can file free with forms on the IRS[...]
State Farm insurance rate increases
State Farm Insurance, a Florida insurance company is canceling some insured's homeowners policies due to an increased cost of weather[...]
Forced Place Insurance: What Does it Really Cover?
I often find that when asked about their homeowners insurance, many of my clients tell me that they are (covered[...]
How Can You Get A Discount on your Car Insurance?
Making sure you look out for all the auto insurance discounts that are available to you! Three areas of opportunities[...]
How Much Should Liability Insurance Cost?
Factors that affect Liability Insurance   There are several factors that decide the price on Liability Insurance:   The number[...]
The Low Cost Car Insurance In Polk County
Car Insurance in Polk County is substantially lower. Insurance companies will vary from county to county even zip code to[...]
What Are Wind Mitigation inspection Discount?
With home insurance costs rising and with changes made to the wind mitigation discounts, its important to talk with an[...]
How Much Will Life Insurance Cost You?
Life Insurance rates have been getting less expensive as mortality tables have been adjusted. If you are thinking of purchasing[...]
What You Should Know: Hurricane Home Insurance Florida
Most Florida insureds are unaware of several fees attached to there policy. One is the cat fund created by the[...]
The Rising Cost Of Auto Insurance Is Due to Insurance Fraud
Florida is number one when it comes to fraud claims. Miami has always been a hot bed for years but[...]
How Other Sites Do Your Online Auto Insurance Quotes
When you are surfing the internet for the cheapest car insurance quotes, keep in mind a lot of the advertisements[...]
To Bundle or not to Bundle? That is the question!
Most people feel that if they put all of their insurance in one nice package then they are saving money.[...]

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