The holidays are supposed to be merry and bright, but there are lots of home hazards lurking in the lights and tinsel. Fires, poisoning, and dangers lurk for the unwary – and especially for children and pets. Keep this list handy, and mitigate home hazards as you find them. Home Hazards for Kids: If you […]
What Is Windstorm Coverage in Florida?
For new residents in Florida, there’s sometimes a potent case of sticker shock awaiting them at the insurance office. Florida occupies a special place on the Hurricane Highway, visited from time to time by multiple hurricanes, tropical storms, and even by tornadoes. For this reason, windstorm coverage in Florida is a must for homeowners, business […]
5 Things to Lower Home Insurance Cost
Homeowners insurance is one of the most irritating things about owning a home, but there are some tips and tricks to managing the cost. Unfortunately, a lot of people take some very shortsighted roots to save a little money today that can end up costing them big in the future. For instance, you could lower […]
Why Your Hurricane Insurance May Not Be Adequate
It’s safe to say that the long low of years without hurricanes or tropical storms may be over for Florida. The 2017 hurricane season with 18 named storms was the most active since 2005. Many homeowners are now finding out that their hurricane insurance coverage may have been within the recommended guidelines but is wholly […]
Help! What Insurance Will Insure a Zinsco Electrical Panel?
Q: I recently inherited a Miami area property from my grandparents’ estate. The house was built in the 1940s, renovated in the early 1970s and late 1990s, and has come through hurricanes and other hazards just fine. The problem is the electrical panel. It was made by a company called Zinsco-Sylvania and I was turned […]
Florida is #2 in the Country for Dog Bite Insurance Claims!
Before you go reading too much into that, the number one state in the country for dog bite claims is California, but when you consider the populations of the respective states, you’ll see that per capita the story is essentially clickbait. First, consider the population of the states, the estimated number of dogs per population […]
Do You Need Florida Flood Insurance?
If you currently reside in the state, then yes, you most likely need Florida flood insurance. Why? It’s predicted that catastrophic storms like Hurricane Irma and Harvey are likely going to be a continuing trend as the ocean waters warm. Moreover, flood maps confuse homeowners and they misunderstand the risks involved with forgoing flood insurance. […]
Do I Need Animal Liability Coverage?
Typically when you purchase a new home, it’s understood you need homeowner’s insurance. In contrast, animal liability coverage often flies right under the radar of new and current pet owners. However, with nearly 4.5 million people being bitten—just by dogs—every year, pet owners absolutely need this type of coverage. Animal Liability Coverage for Your Pets […]
Florida Wind Mitigation Requirements
By law, insurance providers have to offer credits off of a homeowner’s insurance premium for guarding their home against wind damage. These credits are referred to as Wind Mitigation Credits. Florida wind mitigation requirements must be fulfilled during a certified inspection prior to discounts being applied. Florida Wind Mitigation Requirements In the state of Florida, […]
Do I Need Sinkhole Coverage in Florida?
If you’ve ever wondered, ‘Do I need sinkhole coverage in Florida?’ then this post is for you. In the sunshine state, insurance companies are required by law to include catastrophic ground collapse coverage in the homeowner’s insurance coverage. Do I Need Sinkhole Coverage in Florida? While it may come as a surprise to many, sinkhole […]