Many times, we have customers call into to our office looking for a condo insurance quote and they’ll say things like: We didn’t know we needed insurance Or We thought the condo associations coverage covered us Or We paid cash for our condo and nobody told us we needed insurance...
Today we’re diving into a standard homeowners insurance policy to see what it says about storm surge. More specifically, we’re answering the question as to whether hurricane coverage would cover storm surge if the storm surge is caused by a hurricane. The short answer is …… it’s not covered. A...
If you’ve ever rented a car, you’ve probably had the clerk at the rental car counter ask if you’d like to purchase insurance for their vehicle. This begs the question, does your car insurance cover their vehicle? The answer is generally yes but there are three things you need to...
Does my home insurance cover collectibles? A standard primary residence home insurance policy will generally provide personal property coverage in an amount equal to 25-50% of your dwelling coverage. So if you’re insuring a $200,000 home, you typically have anywhere from $50,000 - $100,000 in coverage for your personal belongings. ...
What are wind mitigation inspections, and do I need one? Wind mitigation inspections identify seven wind resistive features of the home. The more wind resistive features your home has, the more discounts you’ll get on the hurricane portion of your homeowners’ insurance. What are the wind resistive features? The wind...
One of our customers recently called in with a question asking if flood insurance covered anything outside the home. Great question! The first thing we need to mention is that a standard home insurance policy does not provide any coverage for rising water floods. The flood insurance policy our customer...