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See if this sounds familiar: A storm unexpectedly blew in and dumped a bit of rain. And you forgot to put the top back up in your convertible. So, will your insurance cover the damage? The answer is… maybe? As with all things insurance, whether or not a specific hazard is covered depends on the […]

The year 2017 brought with it one of the most historically devastating hurricane seasons, resulting in an unprecedented $200+ billion in damages for the U.S. With numbers like these, you’d think that preparations would be in place for the 2018 season. But not so much: The National Flood Insurance Program, or NFIP, which provides affordable […]

It should come as no surprise that the state law says that residents must buy car insurance that meets the Florida minimum auto insurance requirements. It has to include minimum coverage for Personal Injury Protection (PIP) and Property Damage Liability (PDL) auto insurance. Thankfully, Florida has some of the lowest auto insurance coverage minimums, so […]

Any person found driving without insurance in Florida faces several repercussions. The No-Fault Law requires Florida vehicle owners to carry auto insurance. Before you can register your vehicle and obtain license plates in the state of Florida, you must have vehicle insurance in place and you must continue to have it until the registration period […]

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 […]

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 […]

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. […]

Currently, the Florida law against texting and driving by non-commercial drivers is considered a secondary offense. Officers have to witness another violation, such as speeding before they can pull a driver over to issue a citation for texting while driving. The new texting while driving bill (HB 33), which already passed the House with a […]

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 […]

When you’re trying to find cheap car insurance in Miami, it might seem like you’re looking for a needle in a haystack. However, with the right amount of searching and the help of your friendly neighborhood auto insurance professionals, you can enjoy affordable car insurance rates. Tips to Find Cheap Car Insurance in Miami It’s […]