There are some concerns about buying an older home that should always be at the top of any homebuyers list, not only because of possible hazards but because they can actually stop you in your tracks when it comes to obtaining homeowners insurance. You might be looking at that original woodwork, the charming cupola, or […]
Understanding Worker’s Compensation in Florida
Worker’s compensation is a tricky subject for any location and any industry, but in Florida it can be particularly difficult. Statutes particular to this great state add a level of complexity when accounting for everything from your industry to the number of employees on your payroll. Defining “employee” can even be difficult for a new […]
Start Up Right: An Insurance Snapshot for Your New Business
Opening your own business is one of the most exciting, worrying, happiest, and busiest things you will ever do in your life. Striking out on your own is an experience akin to leaving home for the first time, and realizing that you own the show now, and have to perform. You’ve already covered your business […]
Above It All: Flood Insurance and Hi-Rises
Q: I’m just getting ready to close on a great condo that’s everything I ever wanted. It’s in an awesome neighborhood and the beach is right there when I walk out on the balcony. There’s also a very puzzling requirement that my lender has for a unit on the 16th floor. If there’s a flood […]
Should I Stay or Should I Go? Citizens Takeouts and You.
Should I Stay or Should I Go? Citizens Takeouts and You. It started with something that looks like a dirty trick. As a writer for the Sun Sentinel reports, a new round of Citizens takeout notices went out last week to thousands of policyholders in Broward and Palm Beach counties. Here’s the thing, it’s from […]
Saving a Bundle: 3 Easy Ways to Lower Your Homeowners Premium
Paying your insurance premiums ranks right up there with root canals, but just like dental work, you need insurance to keep your home and finances healthy. Take the time to review your insurance annually and learn how to get better coverage while paying out less money in premiums. There are a few tips and tricks […]
Law and Ordinance Coverage 101
Insurance policies are written to indemnify the insured against damage or loss. They are not so that it ends up in a better position than they were prior to a loss. This is done to prevent incentives to having or creating losses that would end up costing the insurance company, and by extension other policyholders. […]
Don’t Get Sold: Go Independent
Independent insurance agents sell insurance policies from different insurance providers, rather than being captive agents to a single insurance company. We are not considered employees of a specific insurance company and do receive commissions for the policies that we sell. Captive agents are allowed only to sell the policies of the company that they work […]
Are You Going My Way? Self-Driving Cars are Coming!
Lexus RX450h retrofitted by Google for its driverless car fleet. Image Credit: Driving_Google_Self-Driving_Car.jpg: Steve Jurvetson, derivative work: Mariordo Great news! Self-driving cars are going to be a real thing! Not so great news! You’re still going to need auto insurance. Don’t kick your coverage to the curb just yet; there are a lot of things that […]
Why Millennials Aren’t Jumping Into Homeownership
Ask any talking heads on the financial shows and you’ll get as many answers as there are heads about why those pesky kids aren’t buying homes. Ask a Millennial and you’re going to get a whole lot of sarcastic answers. However, the breakdown of reasons why they’re not buying is far from simple, having to […]