OUR BLOG

Why a Homeowner’s Policy May Not Cover an Airbnb Rental?


Q: I have been thinking about joining Airbnb as a host and would be renting out a Granny suite in my home. When I talked about it with some friends, they said I shouldn’t do it because it would invalidate my homeowner’s policy. Is this true and is there something I can do about it? […]

The Need for Cyber Insurance in Business


Cyber insurance may sound like something out of a science fiction novel, but it’s on the rise, and is now considered a necessity in some circles. All it takes is a simple look back at data breaches in recent years such as Target to see why. Here are a few things to consider if you’re […]

Study Draws Connections Between Pot and Auto Accident Claims


A recent study claims that three states that recently legalized marijuana have had collision claims increase by 2.7 percent. Colorado, Washington, and Oregon have all passed laws that make it legal for pot to be used recreationally. However, the study does more to raise questions than draw any conclusions.  More Data Needed  One major problem […]

Florida Got Soaked in June, Many Without Flood Coverage


We told you so. The run up to summer turned out to be a case of good news/bad news. First, the good news – heavy rains doused drought conditions that contributed to over 2500 wildfires across the state. The bad news is still piling up. When early rain began to soak SoFlo in early June, […]

Is Your Florida Pool Safe?


In 2002, a little girl died before her mother’s eyes in a horrible and preventable accident. Virginia Graeme Baker died as a result of what is called “suction entrapment” in a family friend’s hot tub, held to the bottom by 700 pounds of suction from a drain. Fifteen years later, after a fair bit of […]

Is Mold Damage Covered by Homeowners Insurance?


Mold is a big problem wherever you have a humid climate, and since we Floridians are surrounded on all three sides by water, occasionally have massive amounts of rainfall, and even tidal flooding with regular high tides, we have the perfect climate for mold to take root. Insurance companies have paid out millions in settlements, […]

How CLUE is Affecting Auto Insurance Premium


You know that credit reports rule almost every aspect of our lives, from the ability to obtain a simple store credit card to buying a home. Insurance is no different, and insurance companies have a specialized report called CLUE that determines how they measure your risk. CLUE stands for Comprehensive Loss Underwriting Exchange, and is […]

What Is an Undisclosed Driver?


An undisclosed driver is a person other than the driver specified on the policy who also has access to and drives the automobile listed on the policy. Whether this is just a one off – such as borrowing the car to run down to the store – or is a regular occurrence, the outcome is […]

Tips to Keeping Your South Florida Home Cool This Summer


Although having a reliable, strong central AC is a basic utility in most Florida homes, there are plenty of things you can do to prevent heat from building and making your air conditioning less effective. Here are a few tips on how to keep your South Florida home as cool as possible this summer, helping […]

Rideshare Companies Take Drivers for a Ride


In the “gig economy’ freelancing, temping, and “sharing” are a part of financial reality for millions of people. The people offering their services to rideshare companies where they use their personal vehicle for business are mostly male, young, urban, and members of lower income ethnic groups. These jobs provide a vital boost to the finances […]