Check out the latest edition of our newsletter!
Protection Team News A Stormy Outlook Ahead
But the Buccaneers Find Stability
Hurricane and Insurance Changes Ahead Page 1 4 Tips for Optimal Health and Wellness Page 2 An Essential Guide to Boat and Marine Insurance Page 2 A Symphony of Colors, Patterns, and Bold Statements Page 3 VOL 15, ISSUE 17
I hope this message finds you well. I want to start by acknowledging the tone of my previous communication. While it may not have been the most uplifting, it was important to convey the truth of the situation. Unfortunately, the forecast remains challenging as we look ahead to this month. Despite the conclusion of the legislative session, there haven’t been significant developments that will immediately impact insurance premiums. However, amidst these circumstances, there is a glimmer of positive news. The state of Florida has approved eight new carriers to operate in our state. While this doesn’t necessarily translate to immediate
rate reductions or a substantial increase in policy acquisition, it indicates a potential shift in the market landscape. These approved carriers recognize the viability of our marketplace, which is a positive indicator for future investments. On a less optimistic note, recent events have presented challenges for some industry players. State Farm, for instance, has faced additional setbacks, with one of its individual companies’ credit ratings downgraded by A.M. Best to “B” (fair). Furthermore, the decision to non-renew 72,000 homeowners’ policies in California underscores the broader implications across regions. Amidst these challenges, it’s crucial to remain vigilant, especially with the 2024 hurricane season looming. Colorado State University’s hurricane researchers have issued a concerning outlook for 2024, predicting a higher-than-average number of named storms, hurricanes, and major hurricanes. I urge you to take advantage of the upcoming hurricane tax-free holiday and make necessary preparations, including initiating flood policies well in advance due to the waiting period. In brighter news, we can celebrate the Tampa Bay Buccaneers’ recent resignings of Mike Evans and Baker Mayfield, providing stability and reassurance to the team and fans alike. While there may still be areas to address, these signings mark significant progress as they head toward the upcoming draft. As always, I appreciate your continued trust and support. Stay safe, stay informed. Until next month,
Referral Winner Page 4
Wacky May Holidays Page 5
Puzzle Time! Page 5
Citrus BBQ Chicken Page 5
–Darren
Darren and daughters enjoying ice cream together
March Referrals and Puzzle Winner! Page 6
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Toll free (800) 828-2226 Fax (727) 577-4991
www.vermost.com newsletter@vermost.com
ALL ABOARD ENSURING COMPREHENSIVE PROTECTION FOR YOUR MARINE LIFESTYLE Boat or marine insurance covers a variety of vessels, from small boats and high-performance powerboats to yachts, live-on houseboats, catamarans, and pontoons. Whether you enjoy personal recreation on the water, operate boats commercially, or run charter trips, there’s a customized insurance policy designed to cover the unique needs of your maritime activities. Marine insurance policies generally cover boats, motors, trailers, and personal effects carried onboard. More specifically, they offer several types of coverage to protect boat owners and their assets, including liability insurance, which is crucial if your vessel causes injury to others or damages property. It should be noted that policies often cover medical payments for injuries that occur on your boat, providing necessary protection against potential financial burdens arising from accidents. For those who enjoy water sports, specific coverage is available to protect against injuries to water skiers towed by the insured vessel. Moreover, hull coverage safeguards against physical damage to
4 Expert-Backed Tips for Better Health The pursuit of health is a never-ending journey, and there is always more we can do to better ourselves. New revelations about effective lifestyle changes ensure there’s always more to know. NO. 1: DON’T SKIP BREAKFAST Breakfast is the most important meal of the day, but busybodies and dieters frequently forgo this morning meal to their detriment. A recent study showed that regular breakfast correlates with a healthy cardiovascular system and a reduced risk of stroke, diabetes, obesity, and hypertension. Another study revealed that people who skip breakfast are less likely to lose weight. Breakfast can be anything from buttered toast to yogurt and granola. But the best options are high-protein, low-calorie choices. NO. 2: DRINK COFFEE AFTER BREAKFAST Speaking of breakfast, wait until after your morning meal for your daily cup of joe. Drinking coffee before you eat can slow your glucose control, causing blood sugar spikes. It will also reduce caffeine’s efficacy, as it increases your cortisol levels too early. NO. 3: KEEP A WATER BOTTLE ON HAND Hydration is the key to wellness. Every cell in your body demands a constant supply of H2O, so drink water. It’ll abate headaches while giving you better sleep, a sharper mind, and a better mood. It’s recommended that you drink half your body weight in ounces. If you weigh 150 pounds, drink 75 ounces. A reusable water bottle to help measure your intake is an excellent helper in this mission. If you just can’t drink that much, eating fruits and vegetables with high water content can help bridge the gap. NO. 4: DON’T STRESS ABOUT WELLNESS The purpose of wellness is to improve your life. If you resent and stress about your diet, change it to something that suits you better, like flexible dieting. If you don’t want to wake up early and exercise before work, don’t. The best thing you can do for yourself is stay mindful. Be aware of what, when, and how much of everything you consume. Just don’t stress if you’re not perfect all the time. Everyone makes mistakes, but you can always get back on track.
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
This year brings a new wave of interior design trends, transforming homes into havens of style and functionality. These trends offer a glimpse into the evolving landscape of interior design, but they’re not entirely new. Let’s explore the key trends shaping the homes of today and tomorrow. SUSTAINABLE LIVING TAKES CENTER STAGE Sustainable and eco-friendly materials are gaining popularity, reflecting our commitment to reducing our carbon footprint in our living spaces. This isn’t new, as many homeowners and renters try their best to find and refurbish furniture made of recycled materials and use energy-efficient appliances and lighting. This trend continues as we embrace more sustainable designs. BIOPHILIC DESIGN CONTRIBUTES TO TRANQUIL SPACES Biophilic design incorporates nature within a living space, such as putting plants in living rooms, bedrooms, and bathrooms. Integrating this and other natural elements like water features and ample natural light will help blend these spaces. The trend also includes plant-inspired textiles, e.g., pillows, curtains, upholstery, etc. These details bring tranquility and continue a tradition of melding the inside and outside without harsh boundaries. MAXIMALISM MAKES A COMEBACK The minimalism of the 2010s is out. Maximalism is in, which means bold and vibrant colors and eclectic decor choices are gaining momentum. More people are embracing the idea that more is more, creating visually stunning spaces that reflect their personalities and diverse interests rather than opting for a sterile, monochrome ambiance. HOME OFFICES EVOLVE The rise of remote work has transformed the way we use homes. In 2024, the home office continues to evolve to accommodate this work-from-home hybrid model. Versatile yet ergonomic furniture, innovative but out-of-sight storage solutions, and personalized technology integration are becoming staples, creating home environments conducive to work and everyday living. MULTIFUNCTIONAL FURNITURE ENABLES FLEXIBLE LIVING With space optimization becoming increasingly important, multifunctional furniture is gaining popularity. Homes must adapt to various needs, so why shouldn’t your furniture do the same? Sofa beds, convertible tables, and modular storage units are some popular ways to ensure your furniture is efficient and beautiful. FUNCTIONAL AND SUSTAINABLE TRENDS FOR YOUR HOME IN 2024
the boat itself, which is vital for maintaining the vessel’s value and operability. The extent and availability of these coverages can vary significantly depending on the state and the insurance company, making it essential to verify what is offered in your location. Despite the protection provided, boat insurance premiums are generally reasonable. However, costs can vary; and actively shopping around for your rate can lead to substantial savings. That’s why we advise you to obtain comparative quotes to ensure you are receiving the best possible deal for your specific needs and circumstances. At Vermost Insurance, we understand the importance of securing a policy that meets the legal requirements and gives you peace of mind while out on the water. We offer free, comparative quotes to help you find the most comprehensive and cost- effective coverage for your boating lifestyle. Contact us today to ensure your maritime adventures are protected in every possible way. Whether you’re sailing the high seas or cruising your local lake, we make sure your marine insurance needs are met!
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 Prudential.com/advisor/chuck-chucri 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. (800) 778-2255 Vermost Insurance is an independent organization and is not an affiliate of Prudential Financial.
1007626-00005-00
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Toll free (800) 828-2226
Fax (727) 577-4991
www.vermost.com
newsletter@vermost.com
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! 2024 REFERRAL PROGRAM
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 the 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: Meals on Wheels of Pinellas
• A $50 GIFT CARD
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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
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Wacky May Holidays
• May 1 - National Mother Goose Day • May 2 - National Truffle Day
• May 17 - National Pizza Party Day • May 18 - National No Dirty Dishes Day • May 20 - National Pick Strawberries Day • May 21 - National Strawberries and Cream Day • May 22 - National Vanilla Pudding Day • May 23 - National Lucky Penny Day • May 24 - National Scavenger Hunt Day • May 25 - National Brown -Bag -It Day • May 26 - National Paper Airplane Day • May 27 - National Grape Popsicle Day • May 28 - National Beef Burger Day • May 29 - National Paperclip Day • May 30 - National Hole in My Bucket Day • May 31 - National Speak in Complete Sentences Day
• May 3 - National Chocolate Custard Day • May 4 - National Start Seeing Monarchs Day
• May 5 - National Astronaut Day • May 8 - National Have a Coke Day • May 9 - National Sleepover Day
• May 10 - National Clean Up Your Room Day • May 11 - National Eat What You Want Day • May 12 - National Nutty Fudge Day • May 13 - National Crouton Day • May 14 - National Buttermilk Biscuit Day • May 15 - Bring Flowers to Someone Day • May 16 - National Classic Movie Day
CITRUS BBQ CHICKEN
SUDOKU
Inspired by FoodNetwork.com
Ingredients
• 8 skin-on chicken leg and thigh pieces
• 1 tbsp Dijon mustard • 2 tbsp Worcestershire sauce • 2 tsp ground cumin • 1 1/2 tsp smoked paprika • Salt and pepper to taste
• 1 1/3 cups ketchup • 2 tbsp brown sugar
• Juice and zest of 1 orange • Juice and zest of 1 lemon • 3 cloves garlic, minced
Directions 1. Place chicken in a large resealable plastic bag. Combine all other ingredients in a small bowl. 2. Reserve 1 cup of the sauce and add the rest to the plastic bag. Toss to evenly coat the chicken and marinate overnight. 3. In a small saucepan over medium-high heat, add remaining sauce and bring to a boil. Reduce heat and simmer to thicken sauce, about 10 minutes. Set aside. 4. On grill set for medium-high heat, arrange chicken skin side down. Cook until grill marks form, about 4 minutes. Flip chicken, cover grill, and cook until a thermometer inserted into thighs reads 165 F, about 20–25 minutes. 5. Serve with remaining sauce.
SOLUTION ON PG. 6
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 www.vermost.com newsletter@vermost.com
PRST STD US POSTAGE PAID BOISE, ID PERMIT 411
1200 Belcher Road South, Suite 1 Largo, FL 33771 www.vermost.com (727) 748-2886
INSIDE THIS ISSUE
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 March: • Anastasia Caketastic • Taylor Bie • James Forsythe • William Wroblewski • Lloyd Olt
• James Allison • Marines Avilles • John Peterson • Stephen Bosso • Dan Flynn State Farm • Robert Knauff • Mary Rivera • Hope Larson • Carolyn Milone • Lorraine Czub • Robert Sychowski • Sharon Garroway • Lesley Brown • Cheryl Van Dusseldorp
› Antique vehicles › Annuities › Auto › Boat/RV › Bonds › Builder’s risk › Commercial auto › Commercial property › Condo › Disability
› Flood › General liability › Home › ID theft › Life › Mobile home › Motorcycle/Jet Ski › Notary public
• Tammy Vernon • Louis Broyles III • William Hiepe Jr. • Theodore R. Schofner PA • Kristy Bruna Connection Care • Michael Singleton • Joseph Samarias • Vivian Vila
April Puzzle Winner: Teresa Stalheim
› Umbrella › Workers’
March Referral Winner: Louis Broyles III
compensation
... and more!
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1200 Belcher Rd. S., Suite 1 Largo, FL 33771-3315
Phone: (727) 748-2886
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