Vermost Insurance Agency - September 2021

Vermost Insurance Agency - September 2021

Protection Team News

VACATION, HURRICANE SEASON, SPORTS

VOL 13, ISSUE 8

And Some Updates

Vacation, Hurricane Season, and More Page 1 The Night That Changed Football What Does Auto Insurance Cover? Page 2 Did You Know ... Page 2 Remembering the Heroes of 9/11 Page 3 Check Out Our Referral Program! Page 4 Wacky September Holidays Page 5 Forever Page 2

I am writing this month’s article after getting back from a much-needed family vacation to the Florida Keys, where the family literally did nothing other than hang out by the pool, read many books, and relax. We hadn’t had a vacation since the spring of 2019, and all of us were in need of some time away from work and school. We did take one day and drive down to Key West so the girls could experience the area they have heard so much about. We took one of the Conch Train tours, rented a golf cart to see the sights (see the photo of us at

season. To make matters worse, the State of Florida has taken over Gulfstream Property & Casualty Insurance Company and is liquidating them in August. The hits keep coming, and hopefully we don’t get hit with a major storm this year. The National Hurricane Center just recently increased their forecast for this season’s activity. If you haven’t gotten your flood policy yet, please get it soon, as this season is looking like it’ll be a busy one. While it’s only been a few short weeks since the Tampa Bay Lightning won the

Visiting the Southernmost Point on vacation!

the Southernmost Point), ate seafood at the Conch Republic, and (of course) stopped and got some Key lime pie. Now it’s back to reality for all of us. Who could have imagined that in 30 days, we would see so many changes in our lives? First, I’m talking about the COVID-19 virus and the delta variant overwhelming the country and hospitals just in time for school to start. I won’t get into the politics of the decision, but I will highly recommend getting the shot for your health and wallet as well as everyone else’s — if your physician says you are able. We were just getting to a point where our lives could return to some semblance of normalcy. Now, we have taken a huge step backward. Please be safe! Not only is COVID-19 making a reappearance, but we are also entering prime time for hurricane

Stanley Cup, they have made many moves to get the team back under the salary cap, so some of our favorite players are no longer with the team. We all knew that one of our better players would be leaving due to the expansion draft in Seattle. The team could only protect nine players, but the loss of so many on our third line will be very hard to make up this year. Hopefully, they can find some hidden gems that step in and play well. Speaking of playing well, how about those Rays — best record in the American League in spite of their two best pitchers on the injured list! I hope they can keep it going all the way this year … Until next month, –Darren

Word Search Page 5

Easy Peach Cobbler Page 5 July Referral Rewards and Puzzle Winner! Page 6

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

www.vermost.com [email protected]

AUTO INSURANCE: asd What Exactly Does It Cover? Let’s be real for a minute: All of the terms, requirements, and options of auto insurance can be downright confusing. We all know that if you own a vehicle or are a driver, you must carry insurance, but do you really know what that insurance even covers? From state to state, the type of coverage you are mandated to carry varies slightly. However, most, if not all, require you to carry insurance to cover damage to others in the event of an accident in which you are either fully or partially at fault. This coverage is called liability insurance. Liability insurance covers both damage to property and injuries to other people, known as property damage and bodily injury. Bodily injury covers any injury to other drivers, passengers, or bystanders in an accident that you are deemed fully or partially responsible for. There are some other coverages that you can carry, depending on your insurance plan. You can opt to be covered for injury to yourself or another in your car resulting from an accident in

THE NIGHT THAT CHANGED FOOTBALL FOREVER How Fantasy Football Got Its Start Every year, 40 million Americans (and even entire offices) play fantasy football, "drafting" players from across the NFL for their virtual teams, and competing for money and bragging rights. Maybe you have a virtual team in the locker room as you’re reading this! But where did the concept of fantasy football start? According to the Encyclopedia Britannica, the gridiron trend began in a New York City hotel room in 1962 — a night that changed football forever. There, a group of friends led by Oakland Raiders part-owner Bill Winkenbach created the first fantasy football league. They dubbed it the Greater Oakland Professional Pigskin Prognosticators League — or GOPPPL for short. Apart from the point values assigned to different accomplishments on the field, their original model wasn’t very far off from the fantasy football of today. “The league members would ‘draft’ actual National Football League (NFL) and American Football League players to their fantasy franchises. On the basis of the actual performance of those players in games, the members would accrue points and compete against each other,” the encyclopedia reports. Early fantasy football leagues were complicated undertakings. In the days before the Internet, members had to agree to reference the box scores in a particular newspaper’s sports pages and “draft” their teams in the same room on long phone calls, or even via snail mail. CBS Sports began offering online fantasy football leagues in 1997, and today it’s even easier to play. The sport is built right into the NFL website (Fantasy.NFL. com), and you can join a free league or start a league of your own with a click! Whether you’re a former player or a superfan who wants to play coach for a day, fantasy is a great way to stake a personal claim in the sport and connect with friends while you do it. Check out the article “How to Play

Vermost Insurance now has a relationship with Chuck Chucri, who offers Financial

Planning & Investment

Fantasy Football: A Beginner's Guide” on NFL.com to learn the basics. It’s updated annually, so make sure you hunt down the 2021 version! When you start, don’t forget to salute Winkenbach, the official “Father of Fantasy Sports."

Did You Know ...

Advisory Services.

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1200 Belcher Rd. S., Suite 1

Largo, FL 33771-3315

Phone: (727) 748-2886

which an uninsured driver is at fault; injury to yourself or another in a situation where the at-fault driver does not carry sufficient insurance to cover injuries; or for medical bills for yourself and others in your car, no matter who is at fault. You may also carry coverage for your vehicle. This can be to protect you from accidental damage to the car from one vehicle striking another or accidental damage that occurs that is not from another vehicle (weather, animals, etc.). You can also have coverage to pay for the rental vehicle you drive while your car is being repaired after an accident or the roadside assistance if you needed it. Now, you know the basics, but the specialists here at Vermost Insurance Agency are always here to help you with any insurance-related questions or concerns!

The Everyday People Who Saved Countless Lives on 9/11 As we approach its 20th anniversary, Sept. 11, 2001, remains one of the darkest days in American history. Almost 3,000 people lost their lives when terrorists flew passenger airplanes into the Twin Towers and the Pentagon. The infrastructural damage was severe, but the damage done to thousands of families across the country was even worse. Remembering the Heroes Amid the Tragedy While 9/11 remains a day of remembrance of these tragic events, it should also be a day to remember the brave men and women who sacrificed their lives to save others. These After five al-Qaida terrorists hijacked American Airlines Flight 11, Ong and Sweeney, two flight attendants, used the crew phone to call their colleagues and give them information about their attackers, including what they looked like and what seats they had been sitting in. Both attendants perished, but the information they shared helped the FBI jump-start their investigation. Rick Rescorla A Vietnam veteran who had earned a silver star for his service, Rescorla was no stranger to stressful life and death situations. As the head of corporate security for Morgan Stanley in the South Tower, he defied orders from Port Authority to stay put and instead escorted 2,700 people out of the building before it collapsed. After that, he headed back in to look for stragglers. That was the last While two planes hit the World Trade Center towers and one plane hit the Pentagon, another plane that was headed for the White House never reached its destination. That’s because passengers aboard this flight, upon learning their plane had been hijacked, decided to rush the cockpit and overtake the terrorists. They caused the plane to crash in an empty field in Pennsylvania, saving the White House but killing everyone on board. time anyone saw him. Passengers of Flight 93 Sad though their deaths may be, these heroic men and women continue to inspire people even 20 years later. We should never forget the tragedy of 9/11, but we should also remember these regular people who decided to take extraordinary lengths to save others. are just a few of their stories. Betty Ong and Amy Sweeney

CALL FOR DETAILS OR TO MAKE YOUR APPOINTMENT TODAY (727) 748-2886 Chuck Chucri, CFP® , CLU®, ChFC®, FLMI Financial Planner

Prudential Advisors Prudential.com/advisor/chuck-chucri

Our financial advisors offer investment advice, and some may offer financial planning. 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.

1007626-00003-00

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Toll free (800) 828-2226

Fax (727) 577-4991

www.vermost.com

[email protected]

2021

INSPIRING HAPPINESS!

2020 REFERRAL WINNER!

We want to thank everyone who referred their friends, family, and coworkers to Vermost Insurance throughout 2020. 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 winners of our 2020 referral program are Diane and Joseph Goulah. They received a 55-inch 4K TV plus a $250 donation to the Alzheimer’s Association, their charity of choice. If you want a shot at next year’s prize, keep sending referrals our way. Your referrals make us happy, and we hope our referral program makes you happy, too!

Diane and Joseph Goulah are our 2020 referral winners of the 55-inch 4K TV, plus a $250 donation to the Alzheimer’s Association, their charity of choice.

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

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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

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Wacky September Holidays

• National Blueberry Popsicle Day: Sept. 2 • National Lazy Mom’s Day: Sept. 3 • World Beard Day: Sept. 4 • National Cheese Pizza Day: Sept. 5 • National Be Late For Something Day: Sept. 5 • National Beer Lovers Day: Sept. 7 • National TV Dinner Day: Sept. 10 • National Chocolate Milkshake Day: Sept. 12 • National Peanut Day: Sept. 13

• National Bald Is Beautiful Day: Sept. 13 • National Cream Donut Day: Sept. 14 • National Guacamole Day: Sept. 16 • National Apple Dumpling Day: Sept. 17 • National Pepperoni Pizza Day: Sept. 20 • National Girl’s Night: Sept. 22 • National Quesadilla Day: Sept. 25 • National Chocolate Milk Day: Sept. 27

WORD SEARCH

EASY PEACH COBBLER

Inspired by MyRecipes.com

Celebrate the end of summer — and peach season — with this simple and tasty peach cobbler!

Ingredients

• 1/2 cup unsalted butter • 1 cup flour • 2 cups sugar, divided • 1 tbsp baking powder • Dash of salt

• 1 cup milk • 4 cups peaches (fresh is best!) • 1 tbsp lemon juice • Ground cinnamon or nutmeg to taste

Directions

1. Preheat oven to 375 F. In a 9-by-13-inch baking dish, add butter and place in oven. Remove when melted. 2. In a large bowl, combine flour, 1 cup of sugar, baking powder, and salt. Then pour in milk and stir until the mixture is smooth. 3. Pour the batter over the melted butter, but don’t stir! 4. In a pot, bring peaches, lemon juice, and remaining sugar to a boil. Stir constantly. 5. Pour peaches over batter, but once again, don’t stir! 6. Sprinkle with cinnamon and nutmeg, then bake at 375 F for 45 minutes.

Abundant Apples Cookout Crunchy Fall Golden

Grandparents Harvest

Labor Maple Sports Windy

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Toll free (800) 828-2226

Fax (727) 577-4991

www.vermost.com

[email protected]

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 & 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 July: Mackenzie Brown

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

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

Barbara Picard Rae Poritz, Shawn & Shawn Lacretia Watson Wayne Parker, A-1 Safe

Timothy Krafcik Suzann Furney

Henry Nguyen Dyan Johnson Joshua Joaquin, BL Const Daniel Parri Gail McCauley Robert Garmezy Debra King

July Puzzle Winner: Susan King

› Umbrella › Workers'

July Referral Winner: Suzann Furney

Compensation

... and more!

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

Phone: (727) 748-2886