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LOCAL TALENT

ASK THE EXPERT HOME INSURANCE

LYNETTE BARBA, ALLSTATE

QWHAT ARE SOME OF THE VARIABLES THAT AFFECT THE COST OF HOMEOWNER INSURANCE IN CENTRAL FLORIDA?

After years of a stagnant economy, real estate construction is rebounding to its pre-recession peak. That’s particularly true in Central Florida, which boasts one of the hottest real estate markets in the United States.

If you’re thinking about living the American Dream and purchasing a home, then it’s wise to educate yourself on homeowner insurance.

Lynette Barba has owned her Allstate Insurance agency in Mount Dora for nearly 21 years and represents 10 different homeowner companies. We asked her about some of the variables that affect the cost of homeowner insurance in Central Florida.

1) “One of the biggest variables affecting premiums is the year the home was built. Homes built in 2002 to the present have been built using updated

Florida building codes, which make the home more resistant to wind damage. This could cut the price of your policy in half.” 2) “What shape of roof does your home have? Some homes are built with hip roofs, while others are built with gable roofs.

Hip roofs are more wind-resistant and can withstand storms and hurricanes better.

Therefore, there is an insurance discount for homeowners in

Florida with hip roofs.”

3) “Another factor that determines the cost of homeowner insurance is whether the home was built with concrete block walls or with frame construction. Homes with concrete block walls are better protected against hurricane and fi re damage, and as a result homeowner insurance will cost less.”

4) “How close your home is to fi re stations and fi re hydrants can also affect the cost of homeowner insurance. If you live within fi ve miles of a fi re station and within 1,000 feet of a fi re hydrant, your insurance will cost less.”

Throughout the years, Lynette has developed a stellar reputation for providing sound, honest advice to help clients protect their assets.

“Insurance is complicated, and the advice we give is very technical,” she says. “Meeting with clients face to face allows me to delve deeper into the details and lets me feel comfortable that I’m doing what’s best for each individual client. I also realize that clients desire accurate and current information about the insurance industry, including new discount opportunities, which is why I conduct annual insurance reviews each year.”

Lynette’s offi ce is at 1904 N. Donnelly St. in Mount Dora. For more information, call 352.383.2002.

novemBE

To have an event considered for the calendar, send a short text description along with a color photo (if available) 45 days in advance of event to: calendar@akersmediagroup.com or Lake & Sumter Style Calendar, P.O. Box 490088, Leesburg, FL 34749

EVENTS

NOVEMBER 5 ANNUAL PLANTATION CRAFT FAIR

Find the perfect one-of-akind gift at this craft fair: handcrafted jewelry made from a variety of materials. You always need a new purse, a wreath for your door, and a fl ower arrangement for your holiday table, wood turned bowls, and more. The Plantation at Leesburg, 25201 Highway 27. For more information

contact Barb Harter at 352.460.0268 or email greentreebarb@yahoo. com.

NOVEMBER 5 13TH ANNUAL GARDEN TOUR

The Lakes and Hills Garden Club in Historic Mount Dora presents “Inspirations in the Garden” Saturday, 9:30 a.m. to 4:30 p.m. Named by Southern Living as one of its favorite small towns, Mount Dora will feature fi ve unique gardens and two homes in the tour. Members will answer questions and discuss the landscape art. Tour begins at the Country Club of Mount Dora, 1900 Country Club Blvd. Tickets for tour only are $15 and for tour and lunch at the Country Club $30. For more

information, visit www. mountdoragardentour. com or call Becky Anderson 772.480.6547.

NOVEMBER 5-6 ART AND CRAFT FESTIVAL

The 20th annual Spanish Springs Art & Craft Festival always features an array of lovely crafts and beautiful artwork. Hours are 10 a.m. to 5 p.m. both days, with plenty of time to browse booths and even enjoy nearby shops. 1181 Main

Street, The Villages, free admission.

NOVEMBER 10 MOVIE ON THE LAWN

The City of Fruitland Park is partnering with Fruitland Park Elementary for a night of good food and family fun! Bring your lawn chair and join us for a FREE movie and popcorn at 6 p.m. Contact the Fruit-

land Park Recreation Offi ce at 352.360.6734.

NOVEMBER 5 City of Groveland Juice Jog 5K

The City of Groveland’s annual charity 5K is to raise funds for a new playground and recess equipment at Groveland Elementary School. The race starts at 10 a.m. at Lake David Park, 450 S. Lake Avenue, Groveland. For additional information call Rebekah Morgan at 352.429.0227 or email Rebekah.morgan@ groveland-fl .gov.

NOVEMBER 12 LARGEST POTLUCK EVER

Join us at the Renninger’s in Mount Dora to attempt breaking the Guinness World Record for the Largest Potluck Ever. The goal of this event is to raise $50,000+ and awareness for Lake Cares Food Pantry!

For more information call Zach Zehnder at 352.409.8464 or email zach@thecrossmountdora.org.

NOVEMBER 12-13 MOUNT DORA PLANT & GARDEN FAIR

Florida’s top growers bring more than 12,000 plants to the 21st Annual Mount Dora Plant & Garden Fair. The event features orchid growers and includes native plants, butterfl y-attracting perennials, herbs, roses, camellias, and much more. Donnelly Park, at Donnelly Street and Fifth Avenue, Mount Dora.

For more information contact Christine Cole at 352.729.2170.

NOVEMBER 12-13 THE PHANTOM COMES TO LSSC

Franc D’Ambrosio, who was the Phantom in Andrew Lloyd Weber’s award-winning musical, brings his program, “Franc D’Ambrosio’s Broadway: Songs of the Great White Way” to Lake-Sumter State College. Performances are at 2 p.m. and 7:30 p.m. on Saturday and 2 p.m. on Sunday. Tickets are $27

and can be purchased by calling Erin O’Steen Lewin at 352.365.3506.

NOVEMBER 17 SOUTHERN FRIED CHICKS, A CAGEFREE COMEDY TOUR!

The Southern Fried Chicks have busted out of the hen house for a night on the town with their new show, the “Cage-Free Comedy Tour!” Join the Chicks for a night of free-range comedy starring Etta May, Sonya White, and Mia Jackson. Get to know the Chicks like never before! Show time is 7 p.m. at the Sharon in The Villages. For

more information visit TheSharon.com.

NOVEMBER 18 NEXT TO NORMAL

Winner of the 2010 Pulitzer Prize for Drama, and three-time Tony Award winner of 2009, including Best Musical Score, “Next to Normal” was chosen as “one of the year’s 10 best shows” by critics around the country. Show time is at 7 p.m. at the Sharon in The Villages. For

more information, go to TheSharon.com.

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NOVEMBER 18 LEESBURG CRAFT BEER, WINE & FOOD FESTIVAL

Sample more than 25 different craft beers as you move from station to station around the islands of Venetian Gardens. There will be wines from around the world and food from the area’s best restaurants. Just look for the dazzling array of holiday lights complemented by the live music. Tickets are $30

in advance, $40 at the gate; 6-10 p.m., Venetian Gardens, 201 E. Dixie Ave., Free parking.

NOVEMBER 18-19 FOURTH ANNUAL MOUNT DORA SCOTTISH HIGHLAND FESTIVAL

Enjoy Scottish bands and musicians performing throughout the weekend as well as an afternoon of Highland games. Friday, Nov. 18: “Night for the Celt” Concert at Elizabeth Evans Park at 7 p.m. For

more information, contact the city’s Parks & Recreation 352.735.7183.

NOVEMBER 18-30 MAN OF LA MANCHA

Presented by the Ice House Theatre, “Man of La Mancha,” the story of the “mad” knight, Don Quixote, is reenacted by Cervantes as he awaits the Inquisition. The shows start at 8 p.m. To buy tickets, visit

icehousetheatre.com.

NOVEMBER 18- DECEMBER 11 PETER PAN

Peter and his mischievous fairy sidekick Tinker Bell visit the nursery of the Darling children, and with a sprinkle of pixie dust, begin a magical journey across the stars they will never forget. Featuring the iconic songs, “I’m Flying,” “I’ve Gotta Crow,” “I Won’t Grow Up,” and “NeverNever Land.” Bay Street Players, 109 North Bay St., Eustis. For more informa-

tion, call 352.357.7777.

NOVEMBER 19 iLUMINATE

iLuminate isn’t just a dance show. It’s a company based on the fusion of technology and dance. iLuminate is quickly becoming a household name, and in 2011, they were named “the best new act in America” during their run on America’s Got Talent. The show starts at 7 p.m. at the Sharon in The Villages. For more

information, visit TheSharon.com.

NOVEMBER 4 Lady of The Lakes Renaissance Faire

Step back in time at the 15th annual Lady of the Lake Renaissance Faire, recently expanded to two weekends at the beautiful shaded forest location in “Sherwood Forest,” State Road 19 and Country Road 448, Tavares. This year’s theme is “Every Fairy Needs a Place to Live.” The fair begins on the 4th and ends on the weekend of the 11th. Call 352.326.265 or email cullenc@lake.k12.fl .us. for more information about special days and designated discount admission.

NOVEMBER 22 LADY LAKE HISTORICAL SOCIETY COMMUNITY YARD SALE

8 a.m. – 1 p.m. at the Community Center (next to the Lady Lake Library).

NOVEMBER 26 THE VILLAGES ART LEAGUE FALL SHOWCASE

Savannah Center, from 9 a.m.- 2 p.m. More than 70 artists selling original two and three-dimensional fi ne art.

NOVEMBER 26 35TH ANNUAL LIGHT UP MOUNT DORA

Join us at the lighting of Donnelly Park and downtown Mount Dora with over 2 million sparkling lights! Don’t miss the spectacular show with traditional Christmas songs, dancers and more. The event is free. Show begins at 4:30 p.m. Lighting at 6:30 p.m. Call Mount

Dora Chamber of Commerce at 352.383.2167.

INCONCERT Bands subject to change. Email inconcert@akersmediagroup.com to submit an event. Submissions must be received by the ninth of the month prior to month of the event (example: Nov. 9 for Dec. issue).

DATE TIME ARTIST VENUE

11/1 7 p.m. Linda Eder The Sharon, The Villages

11/2 5 & 8 p.m. Hotel California Savannah Center, The Villages 11/2 7:30 p.m. Jeff Whitfi eld Ruby Street Grill, Tavares 11/4 7 p.m. “Bright Lights On Broadway” Savannah Center, The Villages 11/4 8 p.m. Defenders of Daisies Ruby Street Grill, Tavares 11/4 9 p.m. Boggy Creek Shamrock Lounge, Leesburg 11/5 5 p.m. The Box Tops Savannah Center, The Villages 11/5 7 p.m. Starry “7” Cavalcade of Stars The Sharon, The Villages 11/5 8 p.m. Justin Heet Ruby Street Grill, Tavares 11/5 9 p.m. Boggy Creek Shamrock Lounge, Leesburg 11/6 5:30 p.m. Phil Dirt and the Dozers Savannah Center, The Villages 11/9 7:30 p.m. Villages Orchestra Annual Fall Concert Savannah Center, The Villages

11/9 7:30 p.m. Jeff Whitfi eld Ruby Street Grill, Tavares

11/11 8 p.m. TC & SASS Ruby Street Grill, Tavares 11/11 9 p.m. Chicken Train Shamrock Lounge, Leesburg 11/12 8 p.m. Da Boys Ruby Street Grill, Tavares 11/12 9 p.m. Chicken Train Shamrock Lounge, Leesburg 11/13 7:30 p.m. Defenders of Daisies Ruby Street Grille, Tavares 11/16 7:30 p.m. Jeff Whitfi eld Ruby Street Grill, Tavares 11/18 7 p.m. “Around the World in 80 Minutes” Savannah Center, The Villages 11/18 8 p.m. Blue Stone Circle Ruby Street Grille, Tavares 11/18 9 p.m. Live Wire Shamrock Lounge, Leesburg 11/19 8 p.m. The Accuzed Ruby Street Grill, Tavares 11/20 7:30 p.m. Defenders of Daisies Ruby Street Grill, Tavares 11/23 7:30 p.m. Jeff Whitfi eld Ruby Street Grill, Tavares 11/25 8 p.m. Justin Heet Ruby Street Grill, Tavares 11/25 9 p.m. Bassville Shamrock Lounge, Leesburg 11/26 8 p.m. Da Boys Ruby Street Grill, Tavares 11/26 9 p.m. Bassville Shamrock Lounge, Leesburg 11/27 7:30 p.m. Defenders of Daisies Ruby Street Grill, Tavares

11/29 7 p.m. Havana Cuba All Stars The Sharon, The Villages

11/30 7:30 p.m. Jeff Whitfi eld Ruby Street Grill, Tavares

Jeff Whitfi eld

Linda Eder

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