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Leigh Insurance Agency of St Augustine Blog

Navigating the Most Common Boat Insurance Claims

9/18/2023

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Owning a boat is an exhilarating experience, providing endless opportunities for adventure and relaxation on the water. However, like any valuable possession, boats are susceptible to accidents and damage. That's where boat insurance comes into play. Whether you're a seasoned sailor or a new boat owner, understanding the most common boat insurance claims can help you stay informed and prepared for potential risks. In this blog, we will explore some of the most prevalent boat insurance claims and offer tips to mitigate them.

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How to Get Involved in Breast Cancer Awareness Month

9/18/2023

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Most people have good intentions when Pink October rolls around. They truly want to do something to help cure breast cancer. However, what most people don’t know is that buying pink ribbons or reposting Facebook games doesn’t really help anybody. The truth is, thanks to efforts made over the last 40 years, pretty much every American above the age of 6 is likely already aware of breast cancer.

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Mold Damage Insurance Coverage – Personal & Commercial

8/23/2023

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​Mold is a fungus. There are all kinds. It’s everywhere–indoors and out. Most mold insurance claims typically arise in one of two circumstances: (1) mold comes to the property owner’s attention along with the discovery of ongoing moisture buildup, water leakage or water intrusion that has gone on for some time below the property owner’s radar; or (2) after a sudden, accidental flood or leak from a plumbing system or appliance, and there is a delay in, or failure to, adequately dry out water damaged building products, fixtures, furnishings, finishes or belongings.
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Why Renters Insurance is Important for Tenants

8/23/2023

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​If you're a tenant, you may think your landlord's insurance policy will protect your belongings in case of theft, fire, or other damages. However, this is not always the case. Landlord insurance typically only covers the building and any fixtures, not your personal belongings. That's where renters insurance comes in.


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Protecting Your Vehicle and Your Peace of Mind

7/18/2023

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​Auto insurance is an essential aspect of responsible vehicle ownership. Whether you're a seasoned driver or a new car owner, having the right insurance coverage can protect you from financial burdens and provide peace of mind in case of an accident. In this blog post, we'll delve into the world of auto insurance, exploring its significance, different types of coverage, factors that affect premiums, and tips for finding the best policy for your needs.

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Pet Safety: How to Keep Your Furry Friends Safe and Comfortable During the Summer

7/18/2023

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Pet Dachshund with life jacket
Summer is a fun time for humans and pets, but the rising temperatures can pose risks to our furry friends. Here are some essential tips to ensure your pets stay safe and comfortable during the summer season:

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​Understanding Different Types of Home Insurance Policies

6/12/2023

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If you own a home, you may already know that home insurance is essential for protecting your investment. However, with so many different home insurance policies, it can take time to understand which one is right for you. In this blog, we'll break down the different types of home insurance policies, so you can make an informed decision when selecting a policy.

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​Walking Your Dog at Night

6/12/2023

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Remember these safety tips when walking your dog at night.
Always use a leash
This one is non-negotiable. Even if you live in an area without much traffic, and your dog has an excellent recall, you should always leash up at night. Just like humans, dogs get startled by people or animals suddenly emerging from the dark. If your dog gets scared while off-leash, she may run off, and it’s a lot harder to find a lost dog in the dark. Also, a leash will keep her from running into the road at night, where cars may not see her before it’s too late.
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Stay Visible with Reflective Vests
Reflective vests for you and your dog are one of the best ways to keep you both safe at night. Reflective vests increase your visibility for cars, bikes, and other humans and pups passing by. We recommend vests for both canine and humans, as they are one of the greatest tools to keep you visible at night. Another great way to keep your dog visible at night is with light up leashes and collars. ​
Hook Up with A Headlamp
Headlamps give you the hands-free ability to see what’s in front of you and navigate the darkness safely. If you often walk your dog in the dark, a headlamp is a near necessity. A flashlight is a good substitute for a headlamp. Either way, cleaning up after your pup in the dark will be easier if you can see the poo!
Walk smart (and take a familiar route)
In addition to gearing up against the weather and dark, it’s important to use caution and common sense when walking your dog at night. You don’t need to be afraid, just cautious. Cars, joggers, cyclists, and other dog walkers may not be paying attention, and can startle your dog at night.
  • Walk against traffic so you can see what’s coming.
  • Stay on the sidewalk along well-lit roads, and avoid shortcuts through dark lots or alleyways.
It’s best to stick to familiar routes when walking your dog at night. There’s no good time for a dog to get lost, but it’s especially dangerous in unfamiliar territory in the dark. Walking on familiar, main streets won’t only prevent you from getting lost in the dark. i will also help prevent run-ins with other creatures who may be prowling around at night. Opossums, skunks, and raccoons come out to play at night, and while they may be cute in pictures, they’re no fun to encounter with a spooked dog.
Carry your phone
This is plain common sense: your phone may be a lifesaver in case of emergency. Be sure to keep it charged, and save the phone numbers for your local non-emergency police, emergency veterinarian, and a taxi service just in case, or ensure quick access to a ride-sharing service via an app. In addition to being a safety necessity, your smartphone may have several features to improve your nighttime walk: a built-in flashlight to use as a backup light source and navigational tools to help you map your route in the dark. Just don’t get caught up checking your social media pages or email and distract yourself from your surroundings. 
Do NOT wear headphones
This goes with being aware of your surroundings when walking your dog at night. If you are wearing headphones, you won’t hear someone walking up behind you, or a car that may be out of control. Just enjoy the peacefulness of the night air.
Walking your dog at night doesn’t have to be scary. With a familiar route and the right accessories, your evening outing can be a walk in the park. Watch this safety tip video from Safety Pup for walking your dog at night. 
We are an independent insurance agent. We can provide coverage from many insurance carriers so you receive the insurance for your budget and needs.
Source: https://www.rover.com/blog/how-to-safely-walk-dog-at-night/ and https://www.k9ofmine.com/dog-walking-at-night/ and https://www.rescuedogs101.com/top-5-tools-safe-walking-dog-night/ and https://www.longanimal.com/blog/safety-first-walking-your-dog-at-night/ 

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How to Identify, Avoid, and Escape a RIP Current

5/10/2023

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​Beachgoers need to be aware of RIP currents. “RIP” in this case could stand for “rest in peace,” because these currents can be deadly. In the U.S., about 100 people drown in RIP Currents every year. Lifeguards in the U.S. rescue another 30,000 swimmers from RIP Currents each year. We usually think of waves as washing stuff onto the beach—seaweed, shells and other ocean debris. But, sometimes the waves hit the beach in a certain way to create a current that flows away from the beach. This is a RIP Current. When waves travel from deep to shallow water, they break near the shoreline and generate currents that are influenced by the shape of the ocean floor, at times producing RIP Currents. Waves interacting with each other can also cause short-lived RIP Currents.

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Watercraft/Boat Insurance

3/22/2023

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Although it is not required to carry insurance on your Watercraft/Boat, it is better to be prepared in the event of a loss!  

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    1797 Old Moultrie Rd
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Leigh Insurance Agency of St Augustine​
1797 Old Moultrie Rd
Suite 111
St Augustine, FL 32084
(904) 826-0799​
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