May 12, 2025
lfsadminFlorida Condo Insurance: What You Need to Know
If you want the experience of owning your own home, but don’t want all the maintenance hassles, you might decide that buying a condo in Florida is the best of both worlds. If you’re buying a Florida condo or already own one, here are some things you need to know about protecting your investment with […]
April 29, 2025
AgencyThe Role of Credit Scores in Determining Auto Insurance Rates
Credit-based insurance scores are derived from traditional credit scores but are tailored to the insurance industry. These scores are calculated using factors such as payment history, outstanding debt, length of credit history, types of credit used and recent credit inquiries. Insurers use these scores to predict the likelihood of a policyholder filing a claim. The […]
April 28, 2025
lfsadminAm I Covered if Someone Else Drives My Car and Has an Accident?
Whether it’s a friend, a visiting family member, a babysitter, or even a long road trip, there are times when you need to allow someone else to drive your car. But what happens if they get into an accident while behind the wheel? Will your car insurance cover damages and injuries to the other vehicle […]
April 14, 2025
lfsadminMust-have Coverage for Your Business: Workers’ Compensation Insurance
Florida businesses need several types of commercial insurance to protect their assets. One of the most important is workers’ compensation insurance, often called “workers’ comp.” Workers’ comp provides benefits for employees who are accidentally injured or become sick in the course of doing their jobs. Not only is workers’ comp insurance an important liability protection […]
March 25, 2025
AgencyAuto Insurance for Hurricanes and Natural Disasters in Florida
Living in Florida means enjoying beautiful landscapes but also facing natural disasters. Hurricanes, floods and severe storms are common in the area and can cause significant damage to vehicles. That’s why understanding how auto insurance protects you during these events is essential. Comprehensive Coverage: Your Response to Natural Disaster Damage Comprehensive auto insurance is essential […]
March 24, 2025
lfsadminBOP Basics—Essential Insurance for Small and Medium Businesses
While you can plan for many aspects of your business—hiring, scheduling, inventory, and so on—there are some events that are simply unexpected. Perhaps a customer is injured by a slip and fall, or a fire breaks out and destroys your equipment or inventory. Unexpected events such as accidents, natural disasters, or lawsuits can put you […]
March 10, 2025
lfsadminWhat You Need to Know About Manufactured Home Insurance
There are more than 20 million manufactured and mobile homes in the U.S., and Florida ranks third among the states for the highest number of this type of home. Their cost effectiveness and versatility make manufactured homes a popular choice. If you own a manufactured home, or are considering buying one, here are some things […]
February 24, 2025
lfsadminNew Ring? Insure That Bling!
When “engagement season” ended on Valentine’s Day, did you have a new ring on your finger? Or maybe you recently inherited some valuable jewelry or bought a pricey watch? Jewelry often has both monetary and sentimental value. What would you do if your treasured piece was destroyed or stolen? Would insurance cover the loss? Homeowners, […]
February 20, 2025
AgencyHow to Lower Your Auto Insurance Premiums in Florida
Auto insurance premiums can be a significant expense for Florida residents, but there are several strategies you can use to reduce your costs. Improve Your Driving Record Maintaining a clean driving record is one of the most effective ways to lower your auto insurance premiums. Insurance companies assess risk based on your driving history, and […]
February 10, 2025
lfsadminFlorida Wildfires—Is Your Home at Risk?
When you think of natural disasters in Florida, you probably think of hurricanes, or maybe flooding. But did you know that many Florida homes are also at risk for damage from wildfires? According to the Florida Department of Agriculture and Consumer Services (FDACS), forests cover nearly half of our state. This means most of our […]