Vol. 04, Issue 10, October 15th - November 15th 2018
® Your community. Your magazine. ™ Dedicated to a community passionate about where they live and the small businesses who serve them
This Independent Community News, Business & Dining Guide Is Directly Mailed Once Each Month To:
Hyde Park, Palma Ceia, Soho, Beach Park, Culbreath Isles, Bayshore, Westshore
Most Insurance
Protecting What Matters Most! By Matt Selby
Most Insurance has been a staple in the South Tampa community, celebrating their 45th year serving families in our community! They’ve grown to 3 locations in the Bay Area to best serve you and your loved ones, including their South Tampa office located at 3314 W. Bay to Bay just a few blocks from beautiful Bayshore. I had the opportunity to sit down with Craig Most for this article and it was an absolute pleasure as always to spend some time talking about the business, community, and family. Craig is also a local guy, growing up here in South Tampa and attending Plant High School. He’s had the privilege of watching Tampa grow and turn into the amazing city we all know and love today. Being a local means he understands the challenges of Tampa; it’s laws, quirks, and changes. “Having this type of insight lets us better understand a customer or prospects needs or perspective, much better than someone from the outside or a call center. We are part of the community, and have been since 1973,” says Craig. As an Independent Insurance Agency, Most Insurance stands out from the rest because they offer: *Significant Value. *Claims Advocate Program for policyholders. *Wide variety of company options. *Online tools to save you time during the application and claims process. *One-stop shopping for personal insurance, commercial insurance, and life insurance. *Superior customer service “Outstanding insurance company, they really take the time to find what you need and what you can afford,” says Jennifer S. Most Insurance Agency recognizes that you want the right insurance coverage at a reasonable price. That’s why their friendly Florida licensed agents will walk you through the insurance shopping process, explaining every detail
along the way. Recent customer John M. says, “We got excellent support and advice from Tammy, Craig, and the claims representative for two recent claims--one personal and one business. They worked hard to give us clarity in the situations that were confusing for us. They relieved our anxieties and were quick and thorough in their response. Great customer service.”
THE BEGINNING Craig’s Father Bob originally started the business in 1973 representing Nationwide. Over the years, Most Insurance not only focused on individual products such as home, auto, flood, and life insurance, they also did a large amount of business insurance as well, becoming one of the largest business Insurance providers in all of Nationwide Insurance throughout the 80s. As the 90s
rolled around, Tampa’s housing market started booming and Most Insurance opened their second location on Bruce B. Downs. By the mid-90s they made a conscious effort to get back to their roots and focus on growing their individual and family coverage side of things.
-Continued on page 4
SOUTH TAMPA TAMPA BAY NEWS & LIFESTYLES VISIT US ONLINE AT: TBNEWSANDLIFESTYLES.COM
220 S. SAFFORD AVE. TARPON SPRINGS, FL 34689 MAIN OFFICE: 727-943-0551 FAX: 727-942-2432 ADVERTISING E-MAIL: INFO@NNLFLORIDA.COM
Publisher Timothy Selby
Art Director Tony Sica
Editor Carla Dubis
General Manager Jim O'Reilly
Advertising Sales Matt Selby Jim O'Reilly Mike Bird
Billing Managers Doreen Selby Tina O'Reilly
Photography by Mike Bird (c) 2018 Tampa Bay News & Lifestyles. All Rights Reserved. Westchase / Citrus Park Tampa Bay News and Lifestyles is published monthly and distributed by the U.S. Postal Service to over 15,000 Homes in Citrus Park, Westchase and surrounding areas.. Tampa Bay News & Lifestyles is not responsible for errors in advertisements beyond the cost of advertising space. Nothing that appears in this publication may be reproduced in any way without consent of the publisher.
With Halloween approaching, parents, grandparents, aunts, uncles, older siblings, and guardians should be mindful of how to keep their little ones safe on the most ghoulish of nights. As a concerned aunt of an adorable 3-year-old nephew that will be trick or treating in the community where my husband and I recently moved into, I wanted to be aware of any special precautions I should take before taking him trick-or-treating. I did a lot of research online and these were the top tips I found for safe trick-or-treating: 1. First and foremost, make sure your children don’t go trick-or-treating on an empty tummy, otherwise, they would be tempted to snack on treats before their goody bags gets sorted out. Give them a light meal or healthy snack before they head out. 2. Before you leave your house, check out if the area you live in has a sex offender database. This is an obvious one, but just don’t go knocking on a registered offender’s door for candy. If your child is allowed to go out alone or with friends, then make sure they know and understand what an offender is and that they must stay away from that house (even if they have the best decorations of all the houses and are giving out the “best” candy). 3. Use the Buddy System. It seems like common sense, but many kids are telling us they are walking around by themselves. If your child does not have a group, you need to go with them or find an adult supervisor to accompany them. Many kids say their parents claim they “have” to stay home to give out candy. That’s not a good excuse. Set a time you will walk around with your child, and then come home and give out candy. A win-win to keeping your child safe. While you’re out, remember that the international signal for “no candy” is a porch light turned off. 4. If they are going by themselves or with an older sibling make sure your kids only go to people’s homes you know and trust. We know that a lot of children are allowed to go to every house in their neighborhood… but it’s also important to remember “stranger danger.” If you fear that your children will be tempted to knock on stranger houses, then make sure you’re with them. Of course, not every unknown neighbor out there is dangerous or a registered sex offender, but you should be safe rather than sorry. The best thing to do for your family is to know your neighbors before it comes time to trick or treat. 5. Make sure your kids know to never ever go into anyone’s house. There are some pretty frightening stories about kids knocking on the door and being told to come inside and get candy. Even if our children
may not understand the danger of going into a house, you do. So before your child goes trick or treating, sit down and have a discussion about the rules. 6. Enforce a “Do not eat” rule until they come back home. This is particularly important if you have a little one with any allergies. Check your kids’ candy before they are allowed to eat it. A good rule is that no candy can be eaten before they get home and you can sit down and sort through it. Also, tell your little ones not to accept-and especially not to eat, anything that isn’t commercially wrapped. Do not allow them to accept or eat any home-baked goods he or she may receive, even if those chocolate chip cookies smell great and look spookilicious. 7. Advise your children to avoid petting unfamiliar dogs or puppies. Even though puppies are extremely cute, they still have teeth and may be scared from all the commotion. As a rule, your children should never pet a dog without your permission, the owner’s permission and the dog’s permission. 8. If you’re not going to be with your children, make sure you set up designated times for them to “check-in” with you. Make sure they each have a fully charged cell phone with the ringer volume turned all the way up for them to hear. Texts don’t suffice, make them call you. 9. Walk on the sidewalk if there is one. In neighborhoods with no sidewalk, always walk in the opposite direction of traffic so you can see the cars coming. Otherwise, you might drive the trick or treat trail. If they are walking, especially on the street and wearing dark costumes, a flashlight is a must. Adhesive reflectors attached to the costume are good too, but even more fun for the kids are glow stick necklaces. 10. Tell your kids not to talk to anyone driving by in a car. Remind them that adults should not be asking kids for help or directions; they should be asking other adults. If approached by an adult stranger, they should report this to a trusted grownup immediately. I’ve never been more excited about Halloween than I am now. I lived over 10 years in a small South Tampa condo and I never received a single knock on my door on Halloween nights from trick or treaters. This year will be our first year celebrating it on a very kid friendly, family-oriented neighborhood, and I may dress like a zombie and go all over the place with my little nephew. Thanks for reading, have a fun and safe Halloween!
For Advertising Info 813-928-6124 I info@nnlflorida.com or visit tbnewsandlifestyles.com
October 2018 3
....Continued from page 1 By this time Bob Most had opened another office in Dade City and continued to provide coverage for businesses and families alike for many years to come. In 2003 Craig joined the agency as well as his brother Eric later that year. In 2008 Nationwide started changing the way they did business in Florida, allowing agents to go independent and represent multiple providers for multiple products and subsequently providing their clients with even better coverage as well as pricing for their premiums. With the ability to offer their customers more options, Craig was able to educate his clients on what options would be best for their situation and provide them with peace of mind that the product or provider they selected was the best fit for them. “Life changes, a common example is when a family has a child that becomes of driving age and we may have to explore if their current policy with their provider will still be the best fit for that circumstance. Many times it isn’t, and we help them make the switch to a new provider that will offer coverage that better suits the current situation,” says Craig. They may write you with “company A” today but as things change, “company B” may be a better fit for you before those rates go through the roof.
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October 2018
Most Insurance searches out the best deals from many different insurance carriers, to get you the Most for your money! You can rest assured knowing that Most Insurance will always be looking out for your best interest and will work hard to help you navigate the often murky waters of insurance plans. The ongoing relationship with the customer is what sets Most Insurance apart. Satisfied customer Justin C. says, “Great service, friendly people, but best of all, I doubled my auto insurance coverage while paying virtually the same thing I had been paying. I was very satisfied with my experience.” None of us want to think about something bad happening, but if there is a time when you have to make an insurance claim, you’ll be happy the Most Insurance Team is on your side. Their core values speak volumes and one of which includes building meaningful relationships with their clients. Caring about their clients by being there for them in a time of need is one of the most rewarding aspects of their job. When someone calls after an accident, flood or other unfortunate events, they want to know they are covered and protected, and because they had Most Insurance, they are! Condo Association President Mariam R. says, “I have been the president of our condo association for many years and every year before our insurance policies renewed, I spent many sleepless nights worrying about the ordeal. I worried if I had the right coverage, if I had too much coverage and if I had any gaps in
coverage, because it did not just affect me, but all the residents of the building as well. When I started working with Teresa at Most Insurance she went way beyond my expectations in explaining everything to me so that I understood. I was also given personal attention from one of the owners, Craig Most. I had never met an owner of any other agency I used, and I was impressed. I no longer worry about my insurance, and what used to be an ordeal is now a pleasant experience. I recommend Most Insurance highly.” Craig Most and the entire team at Most Insurance are very passionate about providing excellent service. Craig says, “We treat our clients like family. We make sure that after we’re done they’re in a better situation than when they came to us. We like to say that we place coverage for our customers just like we would our own mother.” “I use Most Insurance for both my personal and business insurance needs and have had a great experience in both areas,” says Peter H. “My time is very valuable to me and I appreciate that they always respond promptly to my requests for quotes. They have always kept me well informed throughout the process and answered my questions. I definitely recommend Most Insurance to all!” If you want an Insurance company that will take care of you, provide excellent customer service, advice and above all, protect what matters most, then Most Insurance is the only call you need to make. If you haven’t taken a look at your insurance policies lately, I
For Advertising Info 813-928-6124 I info@nnlflorida.com or visit tbnewsandlifestyles.com
invite you to let the experts of Most Insurance take a look and show you the difference they can make for you and your family. I can tell you from personal experience that Most Insurance has already made a difference in mine!
Most Insurance Agency is located at 3314 W Bay to Bay Blvd, Tampa, FL 33629.
Contact them by calling (813) 347-5555 today!
Visit www.mostins.com for more information or to get a complimentary, no obligation, insurance quote!
For Advertising Info 813-928-6124 I info@nnlflorida.com or visit tbnewsandlifestyles.com
October 2018
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We have multiple financing options ranging from 18 months no interest to minimum monthly payments of 1.25% of the purchase price. Contact us 813-PLUMBER (758-6237) or online at tampaplumber.net for your FREE Hybrid Water Heater Estimate
For Advertising Info 813-928-6124 I info@nnlflorida.com or visit tbnewsandlifestyles.com
October 2018
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Local News Gift of Adoption
Our mission is to fill the void that separates a child from family – through adoption assistance grants that give vulnerable children a permanent home and the chance to thrive. Our local Florida Chapter has awarded over $1 million, providing 300 grants to deserving families and children.
Who are we?
We are a 501(c)(3) volunteer-driven organization and 100% of the funds raised by us are dedicated to grant-making. For every child we help, there are two other children we are unable to help because of lack of funds. The success of our fundraising event depends on our sponsors and the folks who attend our annual event. Thanks for spreading the word and our mission. Please see www.giftofadoption.org for more info!
History
Since its inception in 2002, The Florida Chapter of Gift of Adoption has awarded more than $650,000 to complete adoptions for more than 227 children. These grants have given parentless children from around the world and the United States permanent homes and the chance to thrive.
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October 2018
Please get involved and help the Florida chapter continue to grow and reach more families in western Florida and the southern United States. Discover our volunteer opportunities by visiting https://giftofadoption. org/get-engaged/ Board members are responsible for building awareness and raising funds for this rapidly growing, energetic, national, nonprofit dedicated to putting adoption in reach for the millions of children world-wide without a family. Gift of Adoption inspires adoption by providing grants to qualified parents – giving children without families permanent homes and the chance to thrive. Board members can be located anywhere in the state, but must be willing to participate in monthly calls and quarterly in-person meetings to support the development of a strong state
presence – as we create awareness of this new philanthropic category and resource our vision. The Gift of Adoption – Florida Chapter will be hosting our annual fundraiser on Friday, November 9, 2018, at the lovely home of Michael Malatin, and this year’s theme is “Arabian Nights”.
For Advertising Info 813-928-6124 I info@nnlflorida.com or visit tbnewsandlifestyles.com
For Advertising Info 813-928-6124 I info@nnlflorida.com or visit tbnewsandlifestyles.com
October 2018
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Stuff to do near you... It’s finally October and we’re ready for all things spooky and pumpkin. We hope you’re as excited as we are for Halloween and Fall-themed events. From pumpkin patches to vintage markets, there’s a little something for everyone. Read on to get a taste of what’s to come. Calling all ghouls, goblins, and scary monsters of all ages! Creatures of the Night has returned to Zoo Tampa for a night of spooks, frights, and family-friendly fun. Every Friday and Saturday night through October, Medusa herself steps out from the pages of mythology and into the dark shadows of the zoo. With surprises around every turn, there’s no way you won’t have a spooktacular time! Now for something a little less...spooky. While it may not feel like Fall, we can’t resist a good Fall festival! Hunsader Farms Pumpkin Festival gathers together our favorite things about the season and packs them into an amazing festival. Corn mazes, pumpkin patches, kettle corn, craft vendors, and so much more, there’s something guests of all ages will enjoy! The festival runs Saturdays and Sundays throughout October, so be sure to get your boots and flannel ready. Download the UNATION app to see these events and to catch all the fun stuff to do near you this Fall season.
Fall Shabby Chic Vintage Market & Artisan Day
Conga Caliente Festival
When:
Nov 4th
Oct 21st Time:
10am to 4pm Where:
The Grove at Wesley Chaple Cost: FREE
When:
Time:
11am to 6pm Where:
Al Lopez Park Cost:
FREE
Wesley Chapel Fall Festival
Dunedin Wines The Blues
When:
When:
Oct 27th & 28th
Nov 10th
Time:
Time:
11am to 6pm Where:
The Grove at Wesley Chapel Cost: FREE
12pm to 11pm Where:
Pioneer Park Cost:
FREE
Tampa River Walk Trick or Treat When:
Oct 27th Time:
4pm to 7pm
By Aimee Pacchiarotti
Aimee is a member of the UNATION Team and Author of the popular www.stufftodointampabay.com blog
Where:
The Tampa Riverwalk Cost:
FREE TB Food Fight Battle of the Bay
Clearwater Beach Chalk Art Festival
When:
When:
Oct 16th
Oct 19th - 21st
Time:
Time:
6:30pm to 9:30pm Where:
Fri/Sat 9am to 6pm Sun 9am to 3pm
Armature Works
Where:
Where:
Clearwater Beach FREE
New Hope Church Palm Harbor Cost: $16
8th Annual Pig Jig on the River
Hunsader Farms Pumpkin Festival
Top Local Chef 2018
When:
When:
When:
Oct 20th Time:
Oct 20th - 21st & Oct 27th - 28th
Time:
1pm to 10pm
Time:
Cost:
$125 includes ALL food & drinks + valet
Where:
Cost:
9am to 5pm
Annual Macaroni N Cheese Fall Festival When:
Nov 3rd Time:
12pm to 5pm
Nov 4th 5pm to 7:30pm Where:
Hunsader Farms
Historic Manhattan Casino
Cost:
Cost:
Cost:
$40
$10
Curtis Hixon Waterfront Park
Where:
$25
Creatures of the Night When:
Oct 5th - 27th Fri & Sat Nights Time:
4pm to 10pm Where:
ZooTampa at Lowry Park Cost:
$24.95 / $27.95
* All events subject to change
To view these events and more, visit UNATION.com or download our mobile App
10 October 2018
For Advertising Info 813-928-6124 I info@nnlflorida.com or visit tbnewsandlifestyles.com
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For Advertising Info 813-928-6124 I info@nnlflorida.com or visit tbnewsandlifestyles.com
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