Friday, November 14, 2014

Nov/Dec Newletter - Holiday Issue

It's that time again!

Our Nov/Dec 2014 Newsletter is hot off the press! Here is a sneak peak at what's inside:

Holiday issue with recipes, DIY centerpieces, Holiday Travel Safety, Holiday Boat Parade information and more!!

View our newsletter ...
While you're there, check out the rest of our community page or view our website at

Have a Safe and Happy Thanksgiving.
Fearnow Insurance


Friday, October 17, 2014

Rescue 2 Kitties Please

Hello! We are Gracie & Oakley. Our owner passed away suddenly leaving us homeless. A rescue group, Cat Call, was nice enough to take us in so we could stay together & not be euthanized at animal services. Only problem is they don't have any space for us at a foster home so for now we are stuck in a kennel  at Petsmart on Causeway in Brandon.  We are in need of a forever home but for now would be very happy to just find a temporary foster home. We are both very sweet & loveable. Right now though we are still in shock from losing our family so suddenly. It would help us to adjust if we could be in a calm home environment instead of a kennel. If anyone has room in their home & heart for us we would be forever grateful! 

Enrollment for Medical Insurance

Getting Covered – Stay Covered

2015 Individual Major Medical Open Enrollment

Open enrollment runs from November 15, 2014 to February 15, 2015

Many clients may be receiving non-renewal letters in the next few months if their medical plans do not meet the Federal mandated coverages. Those people will have until December 15th to apply for a qualified plan with an effected date of January 1, 2015, so there is no loss of coverage.

People looking for different plans can give us a call at 813-689-8878 for a quote or make an appointment and we can explain coverages, costs and see if you may be eligible for government subsidizing.

If you have any questions at all, please give us a call, we are here to assist you.

Fearnow Insurance
Phone: 813-689-8878

Visit our website:

*** Open enrollment for Medicare is October 15, 2014 and ends December 7, 2014 ***

Umbrella Policies

Quick Facts about Umbrella Policies

• A Umbrella policy contains a broad definition of what constitutes personal injury compared to our competitors and it includes coverage for libel and slander.

• It provides peace of mind and an extra layer of protection against catastrophic loss for the insured and all members of their household.

• Also provides protection for the insured at home or while traveling, in all countries worldwide.

• Pays for attorney costs, win or lose, for all claims covered by a personal umbrella and not covered by an underlying insurance policy. Defense coverage is provided in addition to the limit of liability.

• AnUmbrella is an open peril policy so unless a loss is specifically excluded by the contract, we’ve got your customer covered.

• An umbrella quote can be completed in just 30-60 seconds!

• For as little as $10 a month, you can gain the protection and peace of mind they need with Umbrella Insurance. (Rates vary by state and underlying auto liability limits.)

• Coverage is available in $1 million increments from $1 million to $5 million.

Wednesday, October 8, 2014

22 Reasons Why Living in Florida is Underrated....

1. We live where you vacation. Miami, Ft. Lauderdale, Orlando, Clearwater, West Palm Beach, Panama City, etc. Take your pick.

2. Currently one of the very few states that still doesn’t have a state income tax.

3. The Florida Keys. Enough said.

4. We have the most golf courses in the country (over 1,200).

5. You’ll quickly become bilingual living here. Me gusta.

6. You go to Disney for the parks; we go to Disney to drink around the world.

7. The Noles, Gators, The U, Bulls and Knights: pick your allegiance.

8. Our weather is the best in the country. The polar vortex hasn’t even come close to us.

9. We are the deciders in presidential elections.

10. Every weekend you decide whether to go to the beach, lay by the pool or go on a boat.

11. We’re home to Publix, the greatest grocery store in the US of A.

12.Stone crab.

13. You can’t drive anywhere for an hour without running into a major international airport.

14. Spring Break is not a week; it’s a month of college kids coming and going as they please.

15. It’s totally normal to see the multiple celebrities, musicians, sports players, and politicians that call Florida their second home on a daily basis.

16.You can have your snow days; we have hurricane parties.

17. Gambling isn’t just limited to casinos. Race tracks galore. Have you ever seen a Jai Alai match?

18. A weekend cruise is never out of the question. Not like in your car. I mean like getting on a Royal Caribbean ship and going to Bermuda.

19. Can’t find a parking spot, no problem. We have valet everywhere. Life is just a bit more luxurious down here.

20.Freshly squeezed Florida Orange Juice. There is no substitute. Not from concentrate or GTFO.

21. Cafe con leche, croquetas, and empaƱadas?.

22. We put Justin Bieber in jail. You’re welcome America.

BY SGPlumb

Friday, September 26, 2014

2014 Referral Reward … Win a 40” HDTV!

Fearnow Insurance “Just Keep Talking” Program!

Our agency was built by taking special care of YOU – and clients like YOU! This shows you the large number of people who call us because YOU – our existing clients, recommend us. “Just Keep Talking” about the special treatment and low prices YOU receive from us!

Now, we want to add a little FUN to the process! We're going to make EVERYONE A WINNER when they tell a friend, relative, colleague or whoever to call us. We could give our ad dollars to newspapers, yellow pages, etc., but we’d rather give them to YOU, because…YOU are the best advertising we can get!

2 Chances, 2 Prizes for YOU to WIN!

First Way ....
Tell a friend, a colleague, a relative, an acquaintance … whoever … about us.When they contact us and tell us you sent them (don’t worry, we ask why they called): The first week of each month we’ll randomly draw from all of last month’s Chance qualifiers. THE WINNER will receive Dinner for Two at a local restaurant – a $40 value!
Second Way ....
Grand Prize! On December 17th, 2014, we’ll conduct a random drawing from all chances at the Grand Prize qualified through December 05, 2014. THE GRAND PRIZE WINNER will have the 40” HDTV delivered to their home in time for a Holidays retreat! (*We reserve the right to INCREASE the value of the Grand Prize because you deserve it!)

The Fearnow Insurance "Just Keep Talking About Us!" Program Rules
There is no limit on the number of chances you can create for yourself. Odds of winning are entirely dependent on the quantity of qualified chances created during the contest periods.

This contest and the rewards provided are open to any human being on the planet who refers a prospect to our agency. You do NOT have to be a client to be entered for a chance to win any of the random draw prizes.

The prospects referred do NOT have to become our client for the referring party to receive any of the rewards and/or chances in this program.

We are not responsible if the law says you can’t win due to age or anything else.

Tuesday, September 16, 2014

National Medicare Education Week

It’s National Medicare Education Week!

Did you know it’s National Medicare Education Week?

National Medicare Education week (Sept. 15-21), a United Healthcare initiative to help consumers learn about Medicare and make health care coverage decisions that best meet their needs before the 2015 selling season begins.

According to a 2013 United Healthcare survey of 1,000 older adults, 1 in 5 Medicare beneficiaries described Medicare as confusing, and most could not correctly identify what Medicare Parts A, B, C and D cover. With National Medicare Education Week, we can help make Medicare easier to understand.
 This 2014 National Medicare Education Week video extends the invitation to anyone looking for answers. During National Medicare Education Week, UnitedHealthcare hosts dozens of educational events across the country. To view a full list of cities and events that will take place this year, please visit also has an on-demand version of the event presentation so that people can is available on Some of the topics included in the presentation are:

The different types of Medicare coverage and how to determine what coverage is right for you;

How and when to enroll in Medicare, including tips for people who choose to continue working and delay enrolling in Medicare past age 65;  

The impact of health reform on Medicare; and Where to go for more information.

 To learn more about National Medicare Education Week, please visit

 1 U.S. Census bureau for the 10,000 people turning 65 every day.

Friday, September 12, 2014

Today is National Day of Encouragement

The National Day of Encouragement is a day dedicated to uplifting those around us and making a positive impact, no matter the magnitude. Here are five thing to do, it's that simple ....

1. Tell somebody "great job" today. Even it was just above average. Heck, it's not Tell the Truth Without Regards to Others' Feelings Day. That doesn't come until March.

2. High-fives, high-fives, high-fives. You need to high-five at least three people today. Nothing says encouragement like a high-five. Just make sure the other person is paying attention. It's also not Slap a Friend in the Face While Pretending to Give Them a High-Five Day. Also in March.

3. Call, email or text a friend or family member you haven't contact in a while. Tell them you just wanted to see how they're doing. Tell them you'll contacted them again on International Talk Like a Pirate Day and they better brush up on their Piratese.

4. Help someone along with their goals. If a friend is trying to get in better shape, go exercise with them. If a friend is trying to get a project done with their house, ask if you can help with something for the day. If a friend is trying to get onto a reality TV show, encourage that friend to find a new goal – preferably one that does not involve national embarrassment.

5. Smile more. Nothing encourages people more than to see those around them smiling. Except for maybe clowns. But that's a column for another "less-encouraging" day.

Tuesday, September 9, 2014

September is ........


Life insurance can do some pretty amazing things for people. It can buy loved ones time to grieve. It can pay off debts and loans, providing surviving family members with the chance to move on with a clean slate. It can keep families in their homes and pre-fund a child's college education. It can keep a family business in the family. It can provide a stream of income for a family to live on for a period of time.

Contact us today for a free consultation


Wednesday, August 20, 2014

ALS Ice Bucket Challenge

Aug 11, 2014
Local Cat Rescue Seeks Community Help For Surgery
For Dora The Kitten

By Michelle Colesanti

Dora is a sweet kitten who has had a rough start. She and her sister, Bobbi, both now around four months old, were found as strays near a Home Depot store garden center. Dora has a medical condition called Trichiasis, where the eyelashes of one eye grow in toward the eye instead of out, causing irritation and discomfort. This painful condition can lead to further complications including vision impairment, and she will need surgery to remove the lashes and correct the problem. Surgery will cost around $300. Dora was rescued by Cat Call, which is a 501(c) (3) non-profit, all volunteer rescue group that has been helping rescue and foster cats and kittens in the Brandon area for about 12 years. Cat Call volunteers are looking to the community to raise funds for her operation. "We are hoping members of the community would be interested in helping out this little angel by making a tax deductible donation to her surgery fund," said Jaime Donohoe, who is a Cat Call volunteer. Donohoe said, "Dora is calm kitten, who just wants to snuggle and purr."

She is also available for adoption, and is looking for a loving home to call her own. She is currently rotating between a foster home and the Adoption Center at the Brandon Petsmart on Causeway Blvd.

Although staffed totally by volunteers, the rescue does not have its own shelter or building, but the cats and kittens are fostered in local homes and adoption centers set up in two local Brandon Petsmarts, located at 11331 Causeway Blvd. and 1051 Brandon Blvd. W.

The animals that Cat Call has available to adopt only go to carefully screened homes. Volunteers are at the adoption centers in both stores on Saturdays 10 a.m.-3 p.m. and Sundays 11 a.m.-3 p.m.

Cat Call believes in TNR, which is to trap unaltered cats, spay/neuter them and release back into their familiar environment, but they try to rescue as many local strays as possible. It is kitten season and the current foster homes are bulging at the seam. More families willing to foster would be welcomed so animals can avoid ending up in Animal Services.

The vet bills are high and Cat Call is always grateful for monetary donations. Food and litter donations are always appreciated too. Finding families to foster the cats and kittens is currently the greatest need. To learn more information on donating, helping with Dora’s surgery, cat adoptions or to find out about fostering, e-mail or visit

Tuesday, August 12, 2014

Understand Your Insurance Risk
Are You Properly Insured for Your Summer Fun?
The temperature is rising and the sun is shining, but before you put the boat on the lake or get the ATVs out of storage, the National Association of Insurance Commissioners (NAIC) urges you to review your insurance to make sure you are properly protected. Use these tips to review your coverage to make sure you and your family are insured for the increased risks that come with outdoor activities.

A boat insurance policy provides liability coverage if someone is injured on your boat as well as bodily injury inflicted on others and property damage to your boat. These policies also may be suspended during the months your boat is not in use.
There are three types of boat insurance policies:
  • Actual cash value (ACV) or market value: Your insurer will reimburse you for the current value of the boat if you experience a total loss.
  • Agreed amount value: You and your insurer have agreed upon a value of your boat at the time you purchase the policy; this is the amount you will be paid if you experience a total loss.
  • Replacement cost coverage: In the event of a total loss, your insurer will pay to replace your boat with one that is as similar to your boat as possible. If you choose not to replace your boat, or if it is too old, your insurer will reimburse you the original purchase price of the boat.

Check with the company that provides your homeowners insurance to see if they sell boat insurance. You may be eligible for a discount if you have multiple policies (e.g. homeowners, automobile, and boat) with the same provider.
The personal property coverage of your homeowners policy may cover a small boat for $1,500 or less in physical damage. However, coverage for your liability risk is limited. A large boat will be excluded from your homeowners policy for both property and liability coverage.
Personal watercrafts, such as Jet Skis, will likely require a separate policy that may be offered by your homeowners’ insurer, or you may purchase your policy from an insurer that specializes in boat insurance. Talk with your insurance agent or get quotes from other companies to understand your options.
Motorcycles and Scooters

Motorcycles and scooters are not covered by a standard auto insurance policy. You must have a separate policy that covers liability, no-fault personal injury protection coverage (if required in your state), or medical payments coverage (if required). Depending on the value of the motorcycle, you may need to purchase comprehensive and/or collision coverage. When you're getting a quote for insurance for your motorcycle or scooter, ask your insurance provider about any discounts they may offer for taking safety courses or having multiple policies with the same insurance provider.
If you carry seasonal coverage on your motorcycle, which allows you to eliminate liability and perhaps collision coverage during the months you don’t ride, make sure your policy is up to date and that you have a current insurance card before hitting the road this summer.
Also, be sure you understand your state’s law and your policy’s requirements regarding wearing a helmet. If you have specific questions, contact your state insurance department.
All-Terrain Vehicles (ATVs)
ATVs are not covered by standard automobile insurance policies; however, your homeowners policy may partially cover liability. Ask your agent if you have sufficient coverage on your homeowners policy. If you do not, you may want to consider a separate ATV policy.
You should also ask your provider about age restrictions regarding who may operate the ATV, or if the policy covers friends and family, as this could affect the coverage you choose to purchase.

Backyard Fun – Pools and Trampolines

While they are fun for the family, the dangers associated with pools and trampolines may increase your insurance risk. Consider purchasing an umbrella policy in addition to your homeowners insurance to provide additional liability coverage. Some companies may not insure your property if you have a trampoline or swimming pool. There may also be policy exclusions for liability related to trampoline or swimming pool injuries.
An insurance company may deny coverage or cancel your policy if you do not follow the policy’s safety guidelines or fail to inform the company when you build a pool or purchase a trampoline. Check with your insurance provider for rates, discounts and safety guidelines, such as installing a fence or locked gate.

For many people, fireworks are a tradition on the 4th of July. However, the use of fireworks, which are illegal in some areas, could jeopardize your insurance coverage if someone is injured or if your home is damaged.
If fireworks are legal in your area, check with your insurance company or agent to determine that you have the appropriate liability and physical damage coverage for your home in the event of injury or damage to your property from the use of fireworks. You should also ask if there are any safety requirements in your policy. Check with your agent to determine whether you would be covered in the event that someone other than a family member causes damage to your property.

Saturday, June 28, 2014

National Insurance Awareness Day

National Insurance Awareness June 28th Day 2014 June 28, 2013 is National Insurance Awareness Day. This is the perfect time to look over your current insurance portfolios, from personal insurance to commercial insurance. Often times we purchase insurance policies and never look at them again to see if coverages need to be updated. Here are a few tips for updating your insurance policies: Personal Auto Insurance Do you still have the same auto policy purchased after you bought your first house? This might have been an adequate policy at the time, but today it may not provide enough coverage. Review your auto liability limits. Are you still carrying the minimum liability required? If so, you may need to increase the limits so that you’re adequately protected. Are you driving a high-value vehicle? If so, what type of coverage does your policy provide and what is your rental reimbursement limit? These are the types of coverages you need to review and update. Homeowner’s Insurance When was the last time you looked at your homeowner’s policy? Have you purchased jewelry, furs, fine art, and oriental rugs? If so, did you add these to your insurance each time? These items are not covered by your homeowner’s policy. They are covered by an inland marine form that is either attached to your homeowner’s policy or written as a separate policy. Update your current coverage to ensure that all of these pieces are adequately covered. Personal Umbrella This policy provides a layer of coverage over and above your personal liability, auto liability, and boater’s liability. You may not have needed this coverage 10 years ago, but you certainly do today. A personal umbrella liability policy will protect you from out-of-pocket expenses when a covered liability exceeds the limits of your personal liability coverage. Commercial Insurance Policies The exposures for businesses continue to evolve as new risks present themselves. Contact your agent and discuss all business exposures to make sure that you have the coverages you need. For example, cyber liability is a risk that a lot of businesses have, but it’s commonly excluded under the general liability policy. Another example is media liability. Do you have a social media marketing campaign? If so, this is another coverage that is excluded under general liability policy. Discuss all of your business risks with your insurance agent to make sure that your business is protected. Life Insurance Policies When was the last time you looked at your life insurance policies? Have you updated your beneficiaries? Often time’s people will go through a divorce and forget to update the beneficiary. If you’re on a term policy, be aware of when the term ends. Make sure you give yourself enough time to shop for another policy. This may be a good time to look at a whole life policy instead. Determine whether the value of the policy is enough to cover the expenses that you anticipate it covering. Health Insurance There are a lot of sections within your health insurance plan that can be changed to fit your needs. For example, if you’re a healthy individual you may not need a low deductible. Review the various coverage options with your agent to make sure that you have a health insurance program that fits your needs. Posted by Sandra Morgan in News

Saturday, May 31, 2014

Tax Free Shopping May 31 thru June 8, 2014

As hurricane season looms, Florida says ‘let’s go shopping

The tax levied under chapter 212, Florida Statutes, may not be collected during the period from 12:01 a.m. May 31, 2014, through 11:59 p.m. on June 8, 2014, on the sale

1. A portable self-powered light source selling for $20 or less.
2. A portable self-powered radio, two-way radio, or weather band radio selling for $50 or less.
3. A tarpaulin or other flexible waterproof sheeting selling for $50 or less.
4. A self-contained first-aid kit selling for $30 or less.
5. A ground anchor system or tie-down kit selling for $50 or less.
6. A gas or diesel fuel tank selling for $25 or less.
7. A package of AA-cell, C-cell, D-cell, 6-volt, or 9- volt batteries, excluding automobile and boat batteries, selling for $30 or less.
8. A nonelectric food storage cooler selling for $30 or less.
9. A portable generator used to provide light or
communications or preserve food in the event
of a power outage selling for $750 or less.
10. Reusable ice selling for $10 or less.

Tuesday, January 21, 2014

Gutter Maintenance to Prevent Catastrophe

In between frigid cold and wonderfully warm temperatures in the past two weeks, much of Florida has experienced random onslaughts of torrential downpours. These heavy rain spurts can cause clogged gutters, which at first doesn't sound too bad, but if left alone can create a plethora of repair work around your home.

I have taken the liberty of sharing a great post from DIY Network on the importance of keeping your gutters clear and some tips to help you do so.

  • There are just a few steps to follow in order to maintain gutters yourself. My first recommendation is to climb a ladder and clean the goop out of the gutters. The decomposed leaves make great mulch or compost. Pay particular attention to the downspout. If leaves and debris are clogging it, water won't drain properly, and along with mildew and mud you'll end up with sagging gutters.  
  • Next, check all the spikes that are supposed to go through the gutter, through the fascia board and into the rafter behind it. At most homes, these spikes miss the rafters entirely, usually because the spike has just worked its way out of the hole over the years. It's a good idea to invest in new gutter spikes such as the OMG FastenMaster, so the gutters are securely fastened once again.  
  • Another thing you want to look at are the sources of any leaks, including holes in the gutters and cracked caulking in the seams. Use an old chisel to scrape the old caulking out and dry the area thoroughly. Then use new bead silicon sealing to keep water from getting down behind the gutters and rotting the boards.  
  • During this inspection, check out the rivets on the downspout. Frequently they'll be loose or will have dropped out completely, all that is needed is a rivet gun to secure them anew.  
  • Buyer's guide: Purchase new rivets at the hardware store. You can also buy a rivet gun there, usually for about $20.  
  • Once you've finished with the mechanics, you can attend to cleaning the gutters. The best way is with a pressure washer, which you can rent or even purchase for anywhere from $60 to hundreds of dollars. Follow the instructions that come with the washer to the letter; usually the washer can be used with garden-hose water or some type of cleaner.  
  • A pressure washer won't hurt the gutters provided you've secured the gutters with screws or new spikes. The real key is to avoid hitting the gutters at too high an angle or you'll blow the shingles off with a high-pressure stream of water.  
  • If the gutters are rusting, they are very old. They've moved to aluminum and vinyl gutters now, and they don't rust. You might want to consider new gutters. But if you're going to stay with the old ones, get all the rust off, sand them down, paint them with a good primer and then with a good-quality rust-inhibiting paint.  
  • A splash block is a very important element. It keeps the water coming out of the downspouts from digging a trench next to the house, and it keeps water away from the home's foundation.
  • Here are some bonus tips when replacing gutter spikes:

    • Remove the old gutter spikes and ferrules (the large spacers that keep the gutter walls from collapsing while you drill), installing each new set as soon as you remove the old one.  
    • Position the new ferrule inside the gutter, directly behind the existing spike hole.  
    • Insert the gutter screw into the existing spike hole. Use a standard variable-speed drill, electric or cordless, to slowly thread the fastener through the spike hole and the ferrule and then into the existing fascia hole.  
    • Thread the fastener until the head is even with the gutter and the screw has engaged with the rafters on the other side of the fascia board.