All insurance companies that provide residential property insurance are required to provide windstorm coverage. It’s typically covered in a homeowner’s policy, but there’s no guarantee of that. There are instances when the insurer may exclude that coverage within the homeowner’s…
With insurance rates rising, everyone is seeking ways to minimize cost while optimizing coverage. Individuals can shop small, local carriers to large national companies – in person or online. People tend to look primarily at what their monthly premiums are…
An insurance policy that covers flood damage will typically cover mold and mildew that’s a result of a flooding event. Much will depend on the policy. However, many homeowners’ policies no longer provide coverage for flooding in Florida. An increasing…
It doesn’t matter whether you have one valuable piece of jewelry or 100, you need to insure it against loss, damage, fire and theft. The cost to insure jewelry is relatively inexpensive, usually 1 to 2 percent of the value…
Climate change, the COVID-19 pandemic, supply chain issues, and supply and demand are all factors influencing inflation. The cost of everything from food and gas to healthcare has increased and the price of insurance hasn’t escaped unscathed. It’s a complicated…
A vacation is an opportunity for fun and you’ll rest easier knowing you’ve taken appropriate precautions to protect your home while you’re gone. An empty home is a prime target for burglars. There are some simple precautions that are relatively…
Many insurance companies in Florida have received permission to drop some customers that they consider high risk. Insurance companies contend that a claim from those customers would be too expensive to cover. It’s affecting homeowners, renters and business owners. Dropping…
Surety bonds are required in multiple situations. It’s a contract between three parties – the individual needing a product, work or service, the company or individual providing the work, service or product, and the issuing entity of the bond. It…
Small business owners have the potential to lose their enterprise from just one lawsuit. Business insurance is a necessity for anyone that wants to conduct commerce with the public. There are many types of coverage available to small businesses and…
Owning a motorcycle comes with some special considerations in Florida and the law can be very confusing. Florida doesn’t require insurance for motorcycles, but are required to carry $10,000 in medical coverage benefits. Riders can be held responsible financially for…
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