Vermost Insurance Agency - January 2024

Check out our January newsletter!

Protection Team News What a Stormy Year 2023 Was!

As we bid farewell to 2023 and usher in the promising dawn of 2024, I’d like to reflect on the past year's remarkable events, including the conclusion of the 2023 hurricane season. In 2023, hurricane season left its mark with a total of 20 named storms, seven of which reached hurricane

year. Undoubtedly, it has been a challenging time for insurance companies nationwide. On a more personal note, I'd like to share some heartwarming news. Ainsley has officially graduated from the University of South Florida with a bachelor's degree in accounting, magna cum laude. Melanie and I

2023 Was Filled With Storms and Exciting News Page 1 VOL 15, ISSUE 13

status. Notably, only one of these hurricanes, Idalia, made landfall in the U.S., impacting the Big Bend region as a Category 3

couldn't be prouder of her remarkable achievements. Her journey continues with an upcoming internship at Deloitte, followed by pursuing a master's degree in accountancy at USF. Go Bulls! As we turn the page past 2023, we're excited to embark on a new chapter in 2024. Our team has already begun planning for the year ahead, and we're thrilled to unveil a host of exciting projects in the near future. In closing, I'd like to take a moment to extend our warmest wishes to all of you for a safe and joyful holiday season and a prosperous 2024. From our family to yours, we

A Preview of 2024's Best Celestial Events Page 2

storm in August. This historic event hadn't occurred in over 125

Hit the Road With Confidence Page 2

years of recorded history for that area. According to NOAA, this hurricane season ranks as the fourth most active in a single year since 1950, trailing behind only the memorable years of 2005, 2020, and 2021. This raises the question, “Is there a pattern emerging?” Fortunately, most of these storms remained in the Atlantic, sparing the state of Florida from their wrath. In addition to the hurricane season, NOAA reported a staggering

How to Elevate Your Family's Movie Nights Page 3

Referral Winner Page 4

Wacky January Holidays Page 5

Sudoku Page 5

express our heartfelt gratitude for your business, referrals, and the cherished friendships we've cultivated. Your support means the world to us. Welcome to the new year,

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25 weather disasters in the U.S. through October, setting the record for the most disasters in a single year since they began tracking weather events. This serves as a reminder that significant losses and rising insurance premiums are not exclusive to Florida. The estimated cost of these events exceeded a daunting $73.8 billion, with two months remaining in the

November Referrals and Puzzle Winner! Page 6


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

SAFEGUARD YOUR ADVENTURE THE IMPORTANCE OF MOTORHOME INSURANCE Embarking on a journey in your motorhome is a thrilling adventure. The open road, new destinations, and the freedom to travel at your own pace — it’s a lifestyle that many cherish. However, amidst the excitement, it’s crucial to address a significant aspect that ensures your peace of mind and financial security — motorhome insurance. Protection on the Move Your motorhome is not just a vehicle; it’s a home on wheels. RV insurance goes beyond standard auto insurance, recognizing the unique aspects of residences on wheels. Whether you’re on a weekend getaway to Disney World or an extended road trip, having the right insurance ensures that you’re protected against unforeseen events. Coverage Tailored to Your Needs Motorhome insurance provides a range of coverage options tailored to your specific needs. From liability coverage, which

Keep Your Eyes to the Sky Explore the Celestial Highlights of 2024 You could easily miss a lot happening above our atmosphere if you didn’t stay up late or watch the news beforehand. Once the sun sets tonight, look up at the sky. As long as you’re not in an area with heavy light pollution, you should be able to see brilliant constellations. On some nights, you may even see more than you expected. No, we’re not talking about UFOs or little green men, but about naturally occurring phenomena deep in outer space. Several unique events take place in 2024. Here are the highlights you don’t want to miss! Meteor Showers Seeing a shooting star is magical, but witnessing a meteor shower is awe-inspiring. Meteor showers occur when interstellar dust particles enter our planet’s atmosphere at high speeds. The first meteor shower of the year is the Quadrantids Meteor Shower, which should take place a few days after New Year’s, but if you miss it, you won’t have to wait long to see another. April, May, July, August, October, and November should also have meteor showers. Be aware that if the moon shines too brightly, you likely won’t be able to see the meteors. Saturn Looking at other planets can be fascinating but not always possible, especially without a telescope. Thankfully, you won’t need a telescope to see Saturn and its rings on Sept. 8. Once the sun sets, head outside and look to the east. You should see a bright yellow star that’s not usually visible. That’s Saturn! Total Lunar Eclipse You won’t have to wait until night to see this rare occurrence. On April 8, the moon will pass perfectly between the Sun and Earth, creating an eclipse. Residents of Texas, Oklahoma, Arkansas, Missouri, Illinois, Kentucky, Indiana, Ohio, Pennsylvania, New York, Vermont, New Hampshire, and Maine will see a total eclipse for only a handful of minutes. The rest of the country will still see an eclipse, but it won’t be as extreme. The next total lunar eclipse won’t occur until August 2044, so get out there and see it this year! Just be sure to wear protective eyewear!

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

Did You Know ...

advisory services!

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

Phone: (727) 748-2886

safeguards you if you’re responsible for injuries or property damage, to comprehensive coverage that protects against vandalism or natural disasters, having the right mix ensures total protection. Protecting Your Belongings Your RV is not just a mode of transportation; it’s a vessel carrying your belongings. Imagine the peace of mind in knowing that your clothes, electronics, and other possessions are covered in the event of theft or damage. Motorhome insurance can include coverage for personal property and offer financial support to replace or repair items in case of unexpected incidents. Emergency Expenses Breakdowns and accidents can happen, leaving you stranded on the side of the road or needing emergency repairs. Motorhome insurance often includes coverage for expenses, including towing, temporary housing, or even transportation if your motorhome is temporarily out of commission. Investing in motorhome insurance is a proactive step toward ensuring a safe, secure, and enjoyable travel experience. Before you

Family movie nights are a cherished tradition in many households, offering a chance to bond over cinematic adventures and entertainment. While the classic movie night with popcorn and your go-to films is always enjoyable, why not shake things up with creative and unique ideas to make these evenings even more memorable? Here are some imaginative ways to enhance your family movie night experience. Outdoor Movie Night Take your movie night under the stars by setting up an outdoor screening. All you need is a projector, a white sheet or screen, and comfy outdoor seating. Enjoy the fresh air, watch the stars above, and immerse yourself in the magic of outdoor cinema. Themed Movie Night Select a theme for your movie night. It could be based on a film genre, a specific actor, or a series. For example, a “Harry Potter” theme could include all the movies from the series along with themed snacks and decorations. Classic Film Night Introduce your children (or spouse) to classic childhood hits or rediscover them together as a family. From “The Wizard of Oz” to “E.T.,” these movies offer timeless entertainment for everyone. Costume Movie Night Encourage your family to dress up as characters from the movie on deck for the night. It adds a layer of fun and immersion to your film-watching experience. Movie Bingo Create bingo cards with scenes, quotes, or characters from the film you’re about to watch. As you watch the movie, mark off the items on your bingo card as you see them. The first person to get bingo wins a prize. Movie Trivia Night After watching the movie, have a trivia game based on the movie you just watched. Whoever answers the most questions correctly gets to choose the next movie! With these creative ideas, your family movie nights will become even more special. Whether you’re enjoying the great outdoors, dressing up as your favorite characters, or challenging each other to movie trivia, these memorable experiences will bring your family closer together while creating lasting memories. LIGHTS, CAMERA, ACTION! Innovative Family Movie Night Ideas

embark on your next adventure, give us a call! Vermost Insurance Agency offers free, comparative quotes to help you save!

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.


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Toll free (800) 828-2226

Fax (727) 577-4991


BE A LIFESAVER We want to thank everyone who referred their friends, family, and coworkers to Vermost Insurance throughout 2023. When you refer someone to us, you receive rewards for each referral and are entered into 2023 REFERRAL WINNER!

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 2023 referral program is Paul Burns. He received a 55-inch 4K TV plus a $250 donation to charity of his choice. If you want a shot at the 2024 prize, keep sending referrals our way. Your referrals make us happy, and we hope our referral program makes you happy, too!

Paul Burns is our 2023 referral winner of the 55-inch 4K TV plus a $250 donation to a charity of his choice.

• EACH Referral • $5 Starbucks Gift Certificate • 3 FL Lottery Scratch-Off Tickets • A chance to win prizes! • $5 donation to our spotlight charity: Humane Society of Pinellas


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


Wacky January Holidays

• Jan. 1—Polar Bear Plunge Day • Jan. 2—National Thank God It’s Monday Day • Jan. 3—National Chocolate Covered Cherry Day • Jan. 4—National Trivia Day • Jan. 5—National Whipped Cream Day

BELL PEPPER SANDWICH • Jan. 24—Global Belly Laugh Day • Jan. 25—National Opposite Day • Jan. 26—National Green Juice Day • Jan. 27—National Fun at Work Day • Jan. 28—National Blueberry Pancake Day • Jan. 29—National Bubble Wrap Day • Jan. 30—National Croissant Day • Jan. 31—National Hot Chocolate Day • Jan. 16—National Fig Newton Day • Jan. 18—National Winnie the Pooh Day • Jan. 19—National Popcorn Day • Jan. 20—National Cheese Lover’s Day • Jan. 21—National Use Your Gift Card Day • Jan. 22—National Blonde Brownie Day • Jan. 23—National Pie Day

• Jan. 6—National Cuddle-Up Day • Jan. 7—National Bobblehead Day • Jan. 8—National Bubble Bath Day

• Jan. 9—National Clean Off Your Desk Day • Jan. 10—National Bittersweet Chocolate Day • Jan. 11—National Step in a Puddle and Splash Your Friends Day • Jan. 12—National Curried Chicken Day

• Jan. 13—National Blame Someone Else Day • Jan. 14—National Dress Up Your Pet Day • Jan. 15—National Strawberry Ice Cream Day




• 1 medium bell pepper, any color • 2–3 tbsp cream cheese • 1 tsp whole-grain mustard • 2 oz ham (or other deli meat), thinly sliced • 1 1/2 oz Swiss cheese, thinly sliced • 1/2 small cucumber, cut into 6–8 thin slices • 2 tbsp guacamole or a few slices of avocado • Dash of salt and pepper

Directions 1. On a cutting board, remove the stem of the bell pepper with a sharp knife. Cut the pepper in half lengthwise and remove the ribs and seeds. 2. Lay the pepper halves on the cutting board and spread cream cheese inside each half. Spread whole-grain mustard on top of the cream cheese. 3. Layer your deli meat, cheese, cucumbers, and guacamole (or avocado) on each bell pepper half. Add a dash of salt and pepper, then combine both halves and serve!

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

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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:

People who referred clients to us in November: Carol Borgeson

Maryanne O'Brien Lee Vogt Brian Madden James Booth Laura Quick Melinda Burchard Mary Rivera Anthony Volino Cheri Cansler Angela Weldon Ronald Arata

› 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

Lesley Brown Amy Hocking Susan Cather Michael Pulice Wilson Lassiter Property James Forsythe Darryl David Barbara Dixon Jeanne Brogna Cynthia Dugan

December Puzzle Winner: Jeff Silverstein November Referral Winner: Ronald Arata

› Umbrella › Workers'


... and more!

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

Phone: (727) 748-2886

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