Many of us believe that our homeowners’ insurance policies cover expensive items such as jewelry, with no limitations. This is simply not true. While standard homeowners’ policies provide coverage for jewelry, furs, silver, fine arts, collectibles, computers, cameras, etc., the…
Today, more than ever, it is important for you to carry higher limits of personal liability coverage. In the event of a serious loss, your auto, homeowners, and watercraft policies may not provide enough protection. A personal excess or “umbrella”…
We hear questions from our commercial clients concerning general liability insurance, namely what is it, why do I need it, what does it cover, and does it duplicate other coverage. The following attempts to answer these questions about general liability…
Homeowner’s policies do not cover flood damage!! Yet, during hurricane season, many hurricane claims are denied because the loss is actually caused by flooding. This leaves the homeowner frustrated, angry, and cynical about insurance in general. Homeowners in Florida need…
We are asked by Florida homeowners if there is an advantage to scheduling their jewelry and fine arts on a Florida homeowner’s insurance policy. The answer is not so simple. Blanket vs. Scheduled Jewelry and Fine Arts: If you have…
This is a question we are asked all the time by Florida homeowners. The answer is simple—yes you should purchase flood insurance even if you are on upper stories of a new condominium. This is especially true if your building…
After the hurricanes of 2004, the Florida legislature established guidelines to help homeowners reduce their homeowner’s insurance premiums based on their home’s ability to withstand a hurricane. The goal was to offer incentives to Florida homeowners who invested in mitigation…
Spring is an excellent time to do a thorough check-up on the outside of your home to avoid a potential loss on your Homeowner’s Insurance Policy. While losses may be covered by your Homeowner’s Insurance Policy, it is certainly best…
If you own a boat, you want to insure it properly. You don’t want to buy too much Boat Insurance, but, of course, you don’t want to buy too little Boat Insurance. We are some questions to ask your Boat…
We encourage our clients to save money on their homeowner’s insurance by doing the following: “Shop” your homeowner’s insurance regularly with an independent agent who represents several companies. There are new companies writing homeowner’s insurance in Florida now. Rates are…
