Vermost Insurance Agency - November 2023

Check out our latest edition!

Protection Team News An Insurance Check-In and Baseball Woes Plus an Upcoming Wedding!

VOL 15, ISSUE 11

Another 30 days have passed, bringing us closer to the end of this year's hurricane season. We can only hope the strong Bermuda High, which has kept many storms at bay, will remain steadfast. We all hope Mother Nature cools the warm waters around Florida, sparing us from further storms and the accompanying losses and destruction. Fortunately, there is encouraging news on the horizon. Several insurance companies are starting to withdraw policies from citizens, which is a step in the right direction. The policy count for citizens has now exceeded 1.4 million and continues to climb, a situation that is neither sustainable nor financially sound for the citizens of Florida, who would bear the burden in the event of a major catastrophe. Let's keep our fingers crossed that the situation is resolved, and we can breathe easier. By the time you read this, two significant events will have transpired. First, we are excited to announce the launch of our new division, Probate Bond Pros! Many of you are familiar with our substantial work in Probate and Guardianship bonds, and we felt it was time to formally acknowledge our expertise with its own division, name, and brand. Rest assured, we are not going anywhere — the same dedicated team, location, and phone number remain unchanged. What's new is our name, brand, website, and email addresses. Stay tuned for our official announcements! The second major event on our horizon is the wedding of our eldest daughter, Noelle. It's hard to believe the time has come so swiftly, but it's here. While Noelle and her soon-to-be husband are undoubtedly ready for this momentous step, Melanie and I aren’t as prepared. We're thrilled to witness Noelle embark on this exciting chapter of her life, but there's a tinge of sadness as she prepares to move quite a distance

Change Is Coming on All Fronts Page 1 Podcast Your Way to a Sharper Mind and Smarter You Page 2

Protect Your Investment With Rental Property Insurance Page 2 Say Goodbye to Power Struggles With Kids! Page 3

Noelle & Jonathan ready for their big day!

away. Perhaps some of you can relate to the mix of emotions that come with such life transitions. Lastly, I must briefly express my disappointment regarding the Tampa Bay Rays. After their remarkable start and a fantastic season, they were swept in the playoffs for the second consecutive year. It's a less- than-ideal streak for the team, and it's tempting to put up "missing” posters for their bats and runs that seemed to vanish in the playoffs. The silver lining is that the team has made a long-term commitment to stay in St. Petersburg, providing hope for fans that better days are ahead. Until next month,

Referral Winner Page 4

Wacky November Holidays Page 5

Sudoku Page 5

Everything-Seasoned Dinner Rolls Page 5 September Referrals and Puzzle Winner! Page 6


| 1

Toll free (800) 828-2226 Fax (727) 577-4991

PROTECT YOUR INVESTMENT: THE BENEFITS OF CARRYING RENTAL PROPERTY INSURANCE Owning and renting out a property can be a lucrative investment, but it also comes with its fair share of risks. To protect yourself, carrying rental property insurance is not just a wise choice — it’s essential. Here are some of the most important reasons for landlords and property owners to carry rental property insurance: Protection Against Property Damage One of the primary reasons to carry rental property insurance is to protect your property against damage. Whether it’s caused by natural disasters or tenant negligence, damage to your property can put holes in your pockets. Rental property insurance covers the cost of repairs or replacements and provides peace of mind and financial security. Liability Coverage Accidents can happen on your rental property, and you can potentially be held liable for any injuries sustained by tenants or visitors. Liability coverage in rental property insurance can help cover legal expenses, medical bills, and compensation for injury claims.

Podcast Wisdom: Lifelong Learning Potential

You’re never too old to learn something new! There are plenty of debunked myths floating around about the brain’s ability to absorb information as we age, but the truth is, learning in every phase of life is incredible for your mind. We keep our cognitive skills sharp as we age when we continue learning new information and skills. So, what’s the easiest way to passively learn something new? Tune in to one of these podcasts and continue with your day! Podcasts from experts can provide you with a plethora of compelling information to keep your brain strong. ‘Ologies’ Witty and endlessly informative, “Ologies” is hosted by Alie Ward, a science correspondent with all the humor you need to keep coming back for more. Ward interviews experts and “-ologists” and asks them not-so-average questions. The information and insight you receive is easily digestible and entertaining. With over 340 episodes at your disposal on most streaming platforms like Apple and Spotify, “Ologies” can keep you listening for a long time! ‘You’re Wrong About’ The first step to understanding the world around you is to consider the possibility that everything you know may not be true. That’s where “You’re Wrong About” comes in! Host and journalist Sarah Marshall dives into different historical figures and events falsely covered by the traditional media. From Sinead O’Connor to Bonnie and Clyde, Sarah meets with various experts to go through the cold hard facts and what you likely didn’t know about these people. Start listening to one of over 200 episodes and learn everything you never knew! ‘Maintenance Phase’ With social media and so-called health gurus everywhere, it can be challenging to know what health advice is factual or safe. “Maintenance Phase” debunks all the diet fads, fitness myths, and trendy health gimmicks to keep you informed. With the help of hosts Michael Hobbes and Aubrey Gordon, you learn the actual science behind your body’s health and discover what is true and what is simply trending. With plenty of podcasts at your fingertips, these three are exceptionally entertaining and informative. Put your headphones on and clean up the house, or drive your daily commute with one of these podcasts to keep your brain in tip-top shape!

Vermost Insurance Now has a relationship with Chuck Chucri, who offers financial planning and investment

Did You Know ...

advisory services!

2 |

1200 Belcher Rd. S., Suite 1 Largo, FL 33771-3315

Phone: (727) 748-2886

Loss of Rental Income If your rental property ever becomes uninhabitable due to a covered event, such as a fire, rental property insurance can reimburse the lost rental income during this period. Personal Property Protection If you furnish your rental property with appliances, furniture, or other personal property, rental property insurance can cover the cost of repairs or replacements if these items are stolen or damaged. Legal Expenses Disputes with tenants can escalate into costly legal battles that will drain your resources. Rental property insurance often includes coverage for legal expenses, including attorney fees, if you ever find yourself caught up in a tenant-related dispute. Vermost Insurance Agency offers free, comparative quotes on rental/ investment property insurance from multiple insurance companies. Let us help you find competitive rates for coverage that match your individual needs! Call us today to see how we can help you save! (727) 748-2886

One of the common challenges parents face with their young children is power struggles. When you ask your child to do something, and they refuse, you could spend countless hours and endless energy trying to get them to comply. Sometimes, the more persistent you are, the more resistant they can become. However, several strategies exist to avoid these arguments with your strong-willed kids. Here are two methods you can adapt to fit some common parenting scenarios. Ask critical-thinking questions. Sometimes, kids don’t understand the consequences of their actions — they lack the appropriate problem-solving skills to help them understand why you’re making certain requests. Instead of telling them to do something, ask questions that make them think critically about the situation. If they leave their toys outside before a storm, ask what could happen to them and how they could prevent that. When your child understands that leaving toys out during a storm could damage them, they will realize that putting them away is a good idea. Remember, when children are forced to do something they don’t want to do, they will focus more on being angry at you rather than learning a lesson or new habit. Encouraging them to develop their own conclusions will help them better understand the impact of their decisions. Offer choices and the opportunity to choose. Giving your children choices helps them feel like they have some freedom over what they get to do. Sometimes children refuse to comply with requests because you’ve offered them no other option. If you want your child to clean their room, don’t demand that they do it. Ask what they want to start on first — make the bed, put away their toys, or hang up clothes. Providing alternatives and allowing them to make a choice will not only get the job done faster but will also increase their confidence in knowing you value their opinion. Navigating power struggles with children can be a challenging aspect of parenting. But implementing effective strategies can make a significant difference in maintaining harmony at home. So give these methods a try and watch as your relationship with your child grows. Transform Power Struggles Into Learning Moments With These Techniques

CALL FOR DETAILS OR TO MAKE YOUR APPOINTMENT TODAY (727) 748-2886 Chuck Chucri, CFP®, CLU®, ChFC®, FLMI Financial Advisor The Prudential Insurance Company of America Our financial advisors and financial planners offer financial planning and/or investment advice through Pruco Securities, LLC (Pruco), under the marketing name Prudential Financial Planning Services (PFPS). A financial advisor or financial planner offers securities products and services as a registered representative of Pruco and offers insurance products as an agent of issuing insurance companies. 1 (800) 778-2255 Vermost Insurance is an independent organization and is not an affiliate of Prudential Financial.


| 3

Toll free (800) 828-2226

Fax (727) 577-4991




We want to thank everyone who referred their friends, family, and coworkers to Vermost Insurance throughout 2022. When you refer someone to us, you receive rewards for each referral and are entered into monthly and annual drawings for additional, even bigger prizes. Your referrals mean a lot to us, and we want to reward you for helping us grow our Vermost Insurance family. The annual grand prize winner of our 2022 referral program is Christine Taylor. She received a 55-inch 4K TV plus a $250 donation to charity of her choice. If you want a shot at the 2023 prize, keep sending referrals our way. Your referrals make us happy, and we hope our referral program makes you happy, too!

Christine Taylor is our 2022 referral winner of the 55-inch 4K TV plus a $250 donation to a charity of her choice.


• $5 donation to our spotlight charity: H. Lee Moffit Cancer Center & Research Institute

4 |

1200 Belcher Rd. S., Suite 1

Largo, FL 33771-3315

Phone: (727) 748-2886

1200 Belcher Rd. S. Suite 1 ● Largo, FL 33771-3315 ● Phone: (727) 748-2886


Wacky November Holidays

• Nov. 16 — National Fast Food Day • Nov. 17 — National Butter Day • Nov. 18 — Mickey Mouse’s Birthday • Nov. 19 — National Play Monopoly Day • Nov. 20 — National Peanut Butter Fudge Day • Nov. 21 — National Gingerbread Cookie Day • Nov. 22 —National Jukebox Day • Nov. 23 — National Eat a Cranberry Day • Nov. 24 — National Flossing Day • Nov. 25 — National Play Day With Dad • Nov. 26 — National Cake Day • Nov. 28 — National French Toast Day • Nov. 30 — National Personal Space Day

• Nov. 1 — National Cook for Your Pets Day • Nov. 2 — National Men Make Dinner Day • Nov. 3 — National Sandwich Day • Nov. 4 — National Play Outside Day • Nov. 5 — National Doughnut Day • Nov. 6 — National Nachos Day • Nov. 7 — Color the World Orange Day • Nov. 8 — National Cappuccino Day • Nov. 10 — National Vanilla Cupcake Day • Nov. 11 — National Sundae Day • Nov. 12 — National Chicken Soup for the Soul Day • Nov. 13 — World Kindness Day • Nov. 14 — National Pickle Day • Nov. 15 — National Raisin Bran Cereal Day SUDOKU

Everything-Seasoned Dinner Rolls

No need to make rolls from scratch this season. Instead, dress up store-bought rolls with delicious everything bagel seasoning!

Inspired by

• Cooking spray • 20 frozen dinner rolls • 2 tbsp unsalted butter • 1 tbsp honey • 2 tbsp everything bagel seasoning Ingredients

Directions 1. Coat a 13x9-inch baking pan with cooking spray and arrange frozen rolls in the pan to thaw according to package instructions. 2. Preheat oven to 350 F. Then, melt butter and honey together in the microwave or on the stove. Once the rolls thaw, brush butter mixture over the rolls and sprinkle bagel seasoning on top. Bake for 15–20 minutes, or until golden, and serve these tasty rolls straight out of the oven!

You can fax, email, or mail your completed puzzle for a chance to win our monthly prize!

| 5

Toll free (800) 828-2226

Fax (727) 577-4991


1200 Belcher Road South, Suite 1 Largo, FL 33771 (727) 748-2886


You Make Us Happy

We Insure More Than Just Cars and Homes Here's a list of some of our lines of protection:

Thank you for recently referring your friends, family, and coworkers to our agency. With your help, our Vermost Insurance family keeps growing. We hope our referral program makes you happy, too! People who referred clients to us in September: Mike Granger Sunny Norfleet Annette Bie Jeanne Brogna Kendra O'Connorr Linda Hartzell Cathy Flynn Edward Lucchesi Michael Malki Taylor Bie Kapok Pilates Central Park Performing James Allison James Booth William Douglas Priority One Butler House Joan Walker Darby Jones

› Antique vehicles › Annuities › Auto › Boat/RV › Bonds › Builder's risk › Commercial auto › Commercial property › Condo › Dental › Disability › Employee benefits

› Flood › General liability › Health › Home › ID theft › Life › Mobile home › Motorcycle/Jet Ski › Notary public

September Puzzle Winner: Irene Rausch September Referral Winner: James Booth

› Umbrella › Workers'


... and more!

6 |

1200 Belcher Rd. S., Suite 1 Largo, FL 33771-3315

Phone: (727) 748-2886

Page 1 Page 2 Page 3 Page 4 Page 5 Page 6

Made with FlippingBook Ebook Creator