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Dog Bite Incidents Are On The Rise – Stay Informed.

With spring here and the warmer weather, it is only natural we will all be spending more time outside.  This includes our dogs. But dogs present a concern since even a docile animal will bite or injure someone when they feel threatened.  A dog’s natural instinct is to bite when they feel threatened and they [...]

What Happens After Your Vehicle Is Determined To Be A Total Loss

So, your vehicle has been deemed a total loss by your insurance company, now what will happen? There are a few things that will be required of you to complete the claim process to receive the payment of the Actual Cash Value of your lost vehicle. Here is what you can expect: Pay Your Deductible [...]

What Does Total Loss Mean?

In the event of a car accident, if a vehicle is damaged beyond repair then it becomes classified as a “total loss” by your insurance company. This can affect how your insurance claim is paid. There are three main factors considered before a vehicle is labeled as a total loss. What is the cost of [...]

Five Factors Affecting Your Insurance Premiums

The cost of auto insurance can vary greatly from each individual, even between those with similar driving histories or personal details (like age). There are many different factors that are considered when insurance companies calculate your monthly auto insurance premium. Here are some of those factors that are considered: The type of vehicle you own [...]

How Deductibles Can Affect Premiums and How You Can Save

Looking for ways to save in your out of pocket monthly expenses? Adjusting your deductible levels on your car insurance could save you a bit or more each month. Insurance rates are inversely proportional to your deductible level, so if you were to raise your deductible then the cost of your monthly car insurance bill [...]

How To Avoid Being A Distracted Driver

According to the National Highway Traffic Safety Administration and the United States Department of Transportation, in 2014, distracted driving accounted for over 400,000 injuries and over 3,000 fatalities. Distracted driving means more than just not texting while driving. While putting down the cell phone is a start, there are still many other bad habits that [...]

The Benefits Of Business Insurance

Whether your business is big or small, having some level of business insurance will help to protect your company from litigation or loss. Don’t put yourself or your business at risk – reach out to us today to start a new policy or add additional coverage today. If you need more convincing to add business [...]

What You Need To Know About Boat Insurance

Boat insurance, or marine insurance, is the coverage of loss or damage to most types of watercrafts such as leisure crafts, pontoon boat, paddle boats, fishing boats, and yachts. Boat insurance is not extended to kayaks, canoes, or personal watercrafts. These items are usually protected under your homeowner’s or renter’s insurance. Luckily, at Magruder Insurance, [...]

Motorcycle Insurance FAQ

Is motorcycle insurance required in the State of Florida? Yes, in fact all states require motorists to carry insurance but the amount of coverage can vary by state. Florida requirements can be confusing because the “No-Fault” rule in Florida does not apply to motorcyclists which requires vehicle drivers to carry Personal Injury Protection (PIP) insurance. [...]

Top Ten Car Insurance Myths Busted!

There are some things that people may think they know or have heard about car insurance that they believe to be true that are actually common misconceptions. Rumors are easy to start and spread like wildfire if they make even the slightest bit of sense and it holds true even for topics like car insurance. [...]

What is Water Back Up Coverage and Do I need It ?

Water back-up is one of the more confusing coverages in a homeowners’ policy.  It involves more than the back-up of water, as overflow is mentioned in some of the coverages also.   But what is a back-up, and how is it different from an overflow or discharge?  All of these things come into play when there [...]

What Wikipedia Doesn’t Tell You About Renter’s Insurance

When you are renting your living space, purchasing a renter’s policy is an important consideration. If there is a fire or some other weather related occurrence, or if the resident above you leaves the water running and the overflow drips into your unit and ruins your furniture, the policy will give you the money to [...]

10 Reasons To Get Business Insurance

Starting a new business can be exhilarating; working for yourself, branching off on your own or into uncharted waters. It also comes with many risks, so it is important to protect yourself and your business with adequate insurance coverage. Here are ten reasons to why you need business insurance. It is the law There are [...]

Questions You Should Be Asking Your Life Insurance Agent

Life insurance can be a good investment to provide a financial umbrella for your family should you pass away unexpectedly. The last thing you want your loved ones to worry about is bills and debt collectors when they should be grieving. An important part of getting life insurance is knowing what to ask your agent [...]

Do Red Cars Get More Tickets?

For many years people have assumed that the color red attracts an officer more than any other color, resulting in more tickets for those drivers. But interestingly, law enforcement agencies across the country agree that the color of a person’s car does not determine whether they will be stopped and ticketed. The driving habit of [...]

Five Helpful Tips From Mercury Insurance to Take the Stress Out of Moving

Moving into a new home or apartment can undoubtedly be stressful – rarely do we realize just how much stuff we’ve accumulated until tasked with packing it into a series of boxes, and it can be overwhelming to figure out where to begin. But moving doesn’t have to induce a panic attack and, with these [...]

Know Your Homeowner’s Policy

There are many parts or coverages on your homeowner policy.  You should be familiar with them and what they do cover in case of a loss.  Here is a description of some of them.  Property Property coverage helps pay for damage caused by covered perils to your home, the contents of your home and other [...]

Tips To Avoid Insurance Fraud When Buying Auto Insurance

Although it may not occur to many, fraudsters don't always try to steal only banking information. There are easier, less secure ways of trying to get your infromation like getting it directly from the source - you. Take for instance the amount of information you provide when shopping for auto insurance. Name, date of birth, [...]

What Does Recreational Vehicle Insurance Cover?

Insurance is always significant whether it is a house, auto, or health insurance. What a lot of people fail to consider is insurance for their Recreational Vehicle or recreational toys like motorcycles. Insurance is always smart, but it is a necessity if you travel. Let's take a look at some basic points you should check [...]

Understanding Motorcycle Insurance

The laws related to motorcycle insurance has been a cause of confusion for many motorcycle owners. Many motorcycle owners mistakenly assume that their automobile insurance will cover them when they are on their motorcycle or may think that if they happen to be hit by a motorist, then that motorist's insurance will be enough to [...]

6 Steps To Lower Your Insurance Rates

Obviously, some of these factors cannot be changed at will. A teenage driver must learn to become a safe driver, so that by the time they are 40, they should pose a low risk. However, there are some changes that you can make in your personal habits or how you select coverage that may improve [...]

5 Personal Factors That Affect Car Insurance Rates

Car insurance rates vary on a person-to-person basis. There are a variety of personal factors that may affect costs for insurance. While many know that things like age and driving history directly affect car insurance costs, there are other factors that many may not realize also have an effect on how insurance companies assess costs. [...]

5 Helpful Tips To Take The Stress Out Of Moving

Moving into a new home or apartment can undoubtedly be stressful – rarely do we realize just how much stuff we’ve accumulated until tasked with packing it into a series of boxes, and it can be overwhelming to figure out where to begin. But moving doesn’t have to induce a panic attack and, with these [...]

Why Do I Need Renter’s Insurance?

When you rent an apartment or home, you are sometimes not required to purchase renters insurance by the owner of the building, but it is a necessary coverage for you to consider. So many things could happen to your contents, such as fire, storm damage, theft, or vandalism. If the tenant above you turns the [...]

Drones Liability On Homeowner Insurance Policy

Drone use has opened a whole new market for insurance carriers.  While many are using the drones for pleasure use (taking pictures for personal enjoyment)  others are using them commercially. Before you start flying your drone, be sure to know the rules especially if you plan on using it commercially. Drones are being used for [...]

Does Your Home Owners Insurance Cover Your Dog?

We love our pets.  They provide us with security and comfort.  But did you know that on average a dog bite claim costs about $37,000? Dog bites can result in physical injury or death and also emotional trauma. And dog bites are just part of the risk! Injuries that occur if someone trips over your [...]

Important Tips To Make Sure Your Car Is Hurricane Ready

With most of your focus on your family and home, you may not think much about your car during a hurricane. But, it may just be your key to safety if you need to evacuate. Make sure your car is ready and that you understand how to drive in severe conditions. Well in advance: Prepare [...]

4 Auto Insurance Tips

The following are some auto insurance tips you should consider. 1.When renting a vehicle it is a good idea to take pictures of all sides of the rental with your phone to eliminate any discrepancies when returning it.  It will show the condition of the vehicle at the time you rented it.  Take close ups [...]

Pat’s First Blog Article

I am Pat Magruder, the founder and owner of the Magruder Agency.  I started my little Brandon Insurance agency in 1989. Since then, I have grown it into a full featured insurance agency. As a family business, we are still devoted to the highest level of service possible with a friendly style. We are an [...]