A Wind Mitigation Report Can Lower Your Homeowners Insurance Premium

   Did you know some common construction features of Florida homes could save you money on your homeowners insurance? During a hurricane, most serious damage comes from wind and water intrusion. Wind mitigation features help your home withstand high wind damage from hurricanes or …
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Assignment of Benefits Abuse: Everyone Pays

Oh no! You’ve just had a leaky pipe flood your bathroom and bedroom. While you’re busy fixing the pipe, mopping up and drying out, along comes a water mitigation company that wants you to sign a contract that allows them …
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Homeowners Insurance Discounts You Should Know About

Your home is probably one of the biggest investments that you’ll make.  As such, protecting your home is one place you don’t want to scrimp on.  Making sure your home is properly covered does not mean that you have to …
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What You Need to Know About Renters Insurance

In our current economy, pinching pennies is a part of life for most of us: buying store brands instead of name brands, driving out of your way for cheaper gas, eating out less often.  If you’re renting your home, you …
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How Your New Pup Could Effect Your Homeowner’s Insurance

Can you be denied homeowners insurance coverage because of your dog? Absolutely, and you definitely do not want to lie about having one. If you’re an avid animal lover you know that animals can be unpredictable. If you’re thinking about …
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Umbrella Policies:For Your Rainy Days

It’s hard to watch TV or listen to the radio and not hear an advertisement from 1-800-Ask-Gary or 411-pain.  Our culture has never been more litigious and Florida is one of the worst states for insurance claims.  Let’s say you’re …
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Adding Christmas Gifts to Your Homeowner’s Insurance

The Gallup poll has estimated that American’s will spend on average $781 this holiday season. This number is up nearly $100 since last year. Since people are planning on spending more this year, you can assume that you’ll also be …
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Homeowner’s Insurance Replacement Cost Value Explained

Have you ever wondered why the property appraiser has your home valued at ‘X’ and the home is insured for ‘Y’? Or maybe your home’s tax assessment is much lower than your home’s current insurance? The discrepancy between those values …
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Sinkhole Insurance

Sinkhole’s can be a major problem in Florida.  But there seems to be some basic confusion about coverage.  In your basic homeowner’s insurance policy, you automatically have coverage for something called ‘catastrophic ground cover collapse’.  If your house is swallowed …
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Are you Prepared for a Hurricane?

These last few years, Florida has been fortunate enough to avoid any major hurricanes.  So as we enter this hurricane season, I can’t help but wonder if this will be the year our good luck runs out.  During our streak …
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