Home Insurance

Helping You Stay Informed - Insurance Simplified.

Did you know that many insurance companies use an insurance scoring model to determine your insurance rates in a similar way that a mortgage company uses your credit score to determine your interest rate?  You see insurance rates are mostly data driven and there are really two areas of concern...

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Often times we have customers call in to shop their home insurance and in the process of reviewing their coverages we find that they’re over-insured.  We typically see people over insured in two areas – dwelling coverage and personal property coverage.  Before we explain these things, please note that we...

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We occasionally receive questions from customers, who have just recently purchased a golf cart, asking if their home insurance will cover the golf cart.  And the short answer is, not really.  In general, you’d be looking at two different types of coverages for the golf cart.  Liability – meaning the...

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Home insurance has a coverage section called liability and medical payments to others.  These coverages can be triggered when someone is injured as a result of your negligence.  In some instances, these coverages can be triggered even when you’re not negligent, but the injury occurs on your property.  Injuries caused...

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Did you know that if your home is uninhabitable after a covered claim, you may be entitled to additional benefits under your Loss of Use coverage. Most home insurance policies on a primary residence in Florida have a coverage called Loss of Use which is commonly listed as Coverage D...

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There are a couple of things to consider about your home insurance if you’re planning a major remodel.  First, if you’re not going to be living in your home while the remodel is taking place, your current home insurance may have automatic coverage suspensions that take place after 30 and/or...

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