OUR BLOG

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 […]

Assignment of Benefits Property Insurance Abuse in Florida Leading to Higher Rates


Assignment of Benefits (AOB) property insurance abuse in Florida is a prevalent issue leading to higher rates for homeowners all across the Sunshine State. AOB allows contractors to represent the insured to obtain payment from insurance agencies for services rendered. Even though AOB has been around for more than 100 years, loopholes have resulted in […]

Sinkhole vs. Catastrophic Ground Collapse Coverage, What’s the Difference


Just as Florida law requires insurers to offer flood insurance, carriers are required to offer catastrophic ground cover collapse but it may leave you footing the bill if you do not have sinkhole coverage. Confused? Many homeowners feel the same. The differences in sinkhole vs. catastrophic ground collapse coverage vary when you consider the definition […]

Most Common Florida Homeowners Insurance Discounts


Florida attracts regular visitors with its charm, beautiful beaches, and deep blue skies. Many of them end up purchasing a home and laying down roots here. However as many new homeowners find out: your home tends to be your biggest investment and could cost you more than you bargained for. Florida homeowners have the most […]

What is the Average Cost of Renters Insurance in Florida?


If you rent an apartment, townhome, or home, then having renters insurance is essential. It covers your property in the event of a catastrophe or theft. According to a study by the National Association of Insurance Commissioners, the average cost of renters insurance in Florida rose 0.5 percent in 2013, followed by a 1.1 percent […]

Homeowners Insurance Issues with Cloth Covered Wiring


South Florida is home to a thriving population of historic preservation enthusiasts. By and large, most of the homes and buildings that have been bought up in the last few years have been completely renovated. However, sometimes the people who are renovating and then selling these homes – in other words flipping them – have […]

Tips to Avoid Home Repair Scams in Florida


When the hurricane is gone, you can be forgiven for thinking that the worst might be over. You have your homeowner’s insurance policy and you have your flood insurance policy. You are a conscientious homeowner who has taken pains to make sure that you are covered for any eventuality. What could possibly go wrong? The […]