The short answer is a frame construction home will typically be more expensive to insure when compared to a masonry construction home. There are three main reasons why this is the case: Masonry construction homes are considered less combustible than frame construction home Masonry construction homes are less prone to...
A question we recently received was this “If I wreck a rented golf cart at a golf course, will my home insurance or auto insurance cover it?” And the answer is……most likely your home insurance. Let’s take a minute to explain how this works. Most home insurance policies in Florida...
Do I need Sinkhole Coverage? To understand sinkhole coverage you must first understand Catastrophic Ground Cover Collapse coverage. While insurance companies in Florida aren’t required to cover for sinkhole losses, the good folks in Tallahassee do require insurance companies to insure Ground Cover Collapse. What’s the difference you’re asking? Four...
How does Property Damage Liability work? Many times on an auto insurance policy in Florida you will see liability coverages displayed as 100/300/100 or some other set of numbers separated by a “/”. These numbers are in thousands of dollars and depict the amount of coverage you have for liability...
Insurance companies in the Florida are not required to include screen enclosure coverage. However, this doesn’t necessarily mean that they’re not covered. Some insurance companies include the coverage automatically. Yet other insurance companies exclude screen enclosure coverage and require the coverage to be added to the policy if the coverage...
In the state of Florida, most insurance companies have a split deductible on their homeowner’s policies. One deductible is called the All Other Perils deductible and the other deductible is called the Hurricane Deductible. The All Other Perils deductible typically starts around $500-$1000 and will apply in situations such as...