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While the appraisal clause is typically a thing of the past for Florida homeowner’s insurance policies, it is still part of commercial insurance policies. What does that mean for you if you are a Florida business owner with a commercial insurance policy? Let’s say that you have a water leak and the resulting flood does…

Let’s face it, everybody likes to save money whenever they can and homeowner’s insurance is no exception. Most people automatically renew their homeowner’s insurance if nothing has changed, but what if you could make changes to lower the cost of your Florida homeowner’s insurance, even if nothing has changed? While you may not have moved…

If you are like most people, you have a homeowner’s insurance policy that you are unfamiliar with. But what if you have a fire, flood, or some other disaster that forces you to call your insurance company and make a claim? Do you know the proper steps to ensure that you get fully reimbursed? When…

Have you recently moved into a home with a pool in Florida? If so, there are some things you need to know, from an insurance perspective, about having a home with a pool. Pools are considered an “attractive nuisance”, beautiful and refreshing though they may be. 4 Things You Need to Know About Owning a…

If you are new to Florida, welcome! The good news is you moved to Florida where the weather is bright and sunny 95% of the time. The bad news is, we get hurricanes and lots of rain that can cause flooding. FEMA has designated the entire state of Florida as a flood zone. If you…

When you think of your homeowners’ insurance policy, do you assume that if an item is in your home it is covered? If you said, ‘yes’, you might be wrong! It turns out, not everything in your home is necessarily covered by your standard homeowners’ insurance policy. Many people have the standard furniture, electronics, and…

It is good to do an annual review of your expenses and that includes your homeowners insurance. Has anything changed since you last renewed it? Changes to your property or assets may mean changes to your homeowners’ insurance policy. Have you gotten a dog or other animals that might require more insurance? Have you built…

Thanksgiving is drawing near. Time for friends, family, and good eats! It is important to remember that with lots of people and lots of cooking, can come lots of chaos. If you are frying a turkey make sure that you are extra careful, especially if there is a lot of people at your home. Fried…

Whether you have made changes to your Florida business recently or not, a quick review of your commercial insurance policy to make sure that it adequately addresses your needs, is always a good idea. Whether you sell goods or services out of your business, it is important to make sure that everything in your business…

FEMA has labeled most areas in the state of Florida a flood zone. If you live in a condo in Florida, even if you are nowhere near water, chances are you live in a flood zone. In fact, 97% of all Florida communities participate in the National Flood Insurance Program. [http://www.floridadisaster.org/Mitigation/SFMP/Index.htm] While you may not…