Insurance Blog

Please read and comment on our blog about a wide variety of insurance topics. Please feel free to ask us any questions.


February 19th, 2014 by Dershimer Insurance Agency

Let Me Help You Understand the Affordable Care Act

Now’s the time to find the health plan for you. The health insurance open enrollment deadline is February 7th, 2015. I am a licensed sales agent who can help you choose a new plan that suits your needs, or, if you’re uninsured, help you enroll in a plan and avoid costly penalties. AND, YOU WON’T PAY MORE FOR USING MY SERVICES.

I can also help you find out if you qualify for financial assistance.

Nearly 90% of people who bought a plan through the Health Insurance Marketplace cut their 2014 premiums by an average of 76%.

Call me today for a personal consultation. Together we can find a plan that’s right for you and determine how much financial help you might be eligible for.

David Dershimer, 863-299-8330

Dershimer Insurance Agency is located in downtown Winter Haven.  

Get Ready for Thanksgiving Travel

Thanksgiving is one week away. If you are traveling, here are a few tips.

  1. Check the weather before you go. Storms may cause road hazards and delays.
  2. Plan for the unexpected if you are flying. Leave extra time to deal with security, connections, etc. Pack a snack in case you can’t eat between connections. The Wednesday before Thanksgiving is the biggest travel day of the year so be prepared.
  3. Compile a list that has phone numbers of where you are traveling to and address as well as emergency contact numbers in the event you lose your cell phone or there are issues with your travel.
  4. Make sure your car is safe. Inspect the tires before you take a long drive, especially if maintenance is not up to date.
  5. Be sure that your auto insurance and travel insurance policies are up to date in case of an incident.
  6. Keep valuables locked in trunk, especially if you are shopping on Black Friday.
  7. Eat lots of turkey and have fun!

Have questions about auto insurance or travel insurance? Contact our experts at Dershimer Insurance Agency at 863-299-8330.

Happy Veteran’s Day from Dershimer Insurance

Happy Veteran’s Day to all that have served and are currently serving. Thank you for the daily sacrifices you make (have made) to keep freedom free. We salute you.

Here’s a little history about Veteran’s Day

World War I – known at the time as “The Great War” – officially ended when the Treaty of Versailles was signed on June 28, 1919, in the Palace of Versailles outside the town of Versailles, France. However, fighting ceased seven months earlier when an armistice, or temporary cessation of hostilities, between the Allied nations and Germany went into effect on the eleventh hour of the eleventh day of the eleventh month. For that reason, November 11, 1918, is generally regarded as the end of “the war to end all wars.”

Veterans Day continues to be observed on November 11, regardless of what day of the week on which it falls. The restoration of the observance of Veterans Day to November 11 not only preserves the historical significance of the date, but helps focus attention on the important purpose of Veterans Day: A celebration to honor America’s veterans for their patriotism, love of country, and willingness to serve and sacrifice for the common good.

(source: U.S. Department of  Veterans Affairs)



Keep Halloween a Fire-Free Fright Fest

Do you have a great Halloween costume planned for this year? How about for your kids? Or your pets?

Why do I ask? According to the National Retail Federation, 71.5% of Americans plan to celebrate in a spooky fashion. Even if you’re not the dress-up type, that means you’re probably planning to decorate your house in some way, shape or form. Overall, it’s estimated we’ll spend $8 billion on Halloween this year alone.

With all of the money spent on this day, you’ll want to preserve your investment as best you can. Especially when you consider that, according to the National Fire Protection Association (NFPA), Halloween is one of the top five days for candle fires.

Keeping Halloween fire free is easy if you just take a few precautions. No one wants their fun memories tarnished by an accidental fire.
Let’s talk about candles. According to the NFPA, they are the number one cause of home fires. After you carve your pumpkin masterpiece, think twice before grabbing a tea light to place in it. Rather, place a flashlight, glow stick, or a battery-operated candle inside. When I bought my pumpkin carving kit a couple of years ago, it came with a battery-operated candle that flickers like the real thing.

If you do choose to use candles as a part of your decorations, make sure you keep a watch on them at all times. Place them on stable surfaces, far from any other decorations, especially dried out cornhusks or other highly flammable materials.

Fires aren’t only caused by candles, so make sure those highly-flammable decorations are also placed far from any heat sources, including light bulbs and heaters. Underwriter’s Laboratory (UL) also recommends checking all power cords for loose connections, frayed or bare wires, all of which pose a fire risk.

Even if your power cords are OK, UL also reminds you not to overload extension cords. If you’re using special heavy duty appliances like fog machines, make sure your extension cord is rated to handle the wattage of the device.

Keeping Halloween fire free is easy if you just take a few precautions. No one wants their fun memories tarnished by an accidental fire. And if you’re in the market for insurance, consider giving Dershimer Insurance Agency a call.



(Blog courtesy of our insurance partner Foremost Insurance –

Dershimer Insurance Agency staff attends EPCAR annual meeting

Staff members Cheri Steigmeyer, Aimee Loder and Aitza Ortiz attended the East Polk County Association of Realtors annual meeting last week in Winter Haven. Afterwards there was a trade show for business members of EPCAR, which included Dershimer Insurance. The Tradeshow was successful! It was a beautiful day with a good attendee turnout. The Dershimer Agency played a scratch off game and gave away $100.00 in gift card prizes. The business partners of EPCAR are always pleased to have an opportunity to meet with the realtors and grateful for the members and staff.

Dershimer Insurance welcomes new members that were inducted into the East Polk County Association of Realtors at last week’s annual meeting.

Tom Popadak/Watson Realty  
Randi Golemme/WebProRealty LLC  
Donna Keath/Mid Fla Real Estate  
Colin Wells/All State Realty  
Kevin Yancy/Baron Myers
Cheryl Brewer/Coldwell Banker  
Mary Lewis/Brokers Realty
Heather Mercure/Coldwell Banker
Maggie Stohler/Legacy Leasing
Jose (Tony) Garcia/Keller Williams
Jackie Jackson/WebProRealty LLC

Dershimer Insurance works one-on-one with realtors and their clients to find the best homeowners coverage to fit their client’s needs.  To learn more about homeowners insurance including mobile home insurance, condo insurance and renters insurance, call 863-299-8330.