Mission Statement

"Our mission is to create peace of mind and build enduring relationships."

Bob Lancaster Insurance's mission statement is the core of our culture. Our customers always come first, and we strive to provide them with the products and service that best respond to their needs. Building trust and fostering loyal, long-lasting relationships are the essence of who we are and fundamental parts of our company values.

Putting our mission statement to work

Our employees work hard to connect with our customers on a very real and personal level. Find out what Bob Lancaster’s mission means to them and how they carry it out every day.

Bob Lancaster Insurance, serving Florida's insurance needs since 1964. Contact us today at 321-725-1620 - see what we can do for YOU and YOUR BUSINESS!

Sunday, February 14, 2016

Jewelry Insurance Tips

Happy Valentines Day!

I was in a jewelry store the other day. The place was hopping! If you gave or got jewelry or just have questions about jewelry insurance, here are some tips.

-Most homeowners’ insurance policies include coverage for jewelry.

-Most home insurance limits coverage for jewelry to the limited perils – fire lightning, wind, hail, smoke, vandalism, vehicles, aircraft…

-Theft of jewelry is usually limited to $1,000 of coverage.

-Your standard deductible applies to jewelry claims.

-No coverage for breakage under most home insurance policies.

-Coverage can be expanded by listing the jewelry on a special “floater” policy.

-Specific jewelry insurance on a jewelry floater usually gives additional perils such as breakage – this usually included accidents like loss of the stone.

-Jewelry floaters usually have no deductible.
-Watches can be included in a jewelry floater.

-You must set the value of the item. If you say the value of the ring is $5,000 and, after a loss it is determined that the ring was actually $7,000, you only get the $5,000. Conversely, if the ring was worth $3,000, you only get the $3,000. Regular appraisals can avoid these problems.

-Antiques, fine arts, silverware, etc. can also be insured on a floater policy.

-CALL US to see how your policy works and what is available from your insurance company.

Contact us for all your Insurance needs! (321)725-1620 
Bob Lancaster Insurance

Serving Florida since 1964

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