Are you in one of the following situations? Buying a new rental property? Or are you converting your primary residence to a rental property? In both cases, you need to reassess your insurance policy. The regular homeowner’s insurance doesn’t work for rental properties, warns FloridaPropertyRealty.com. For rental units, you need to get the landlord’s insurance. […]
Your Hurricane Safety Kit Checklist and Preparedness Guide
With beautiful weather visiting most of the country for summer, it’s hard to think of anything other than sunny days and happy times. However, for those who live along the coastlines and nearby areas, a more dangerous time of year is looming. Hurricane season is on the horizon. Are you and your family ready? Is […]
Second Home Insurance Tips for Canadians in South Florida
When the time comes for retirement or finding a second home for vacation or seasonal living, South Florida is a popular location. This is true for people from all over North America, but you might be surprised at just how many Canadians in South Florida there are. These so-called “snowbirds” are some of the area’s biggest […]
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 […]
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 […]
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 […]
In-Law-Suite Not So Sweet
Q: My in-laws moved out last summer to an assisted living facility. After they were gone, we renovated their two-bedroom apartment/in-law suite. Sometimes we rent it out on Airbnb since we live in a resort area. However, this past spring we let my nephew and some friends come down for spring break. Long story short, […]
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 […]