Unfortunately, in the State of Florida, it is common for insurance carriers to reduce their hurricane exposure by non-renewing certain policies. Insurance carriers in Florida are required by statute to give advanced notice of non-renewal. Many times, homeowners will receive the non-renewal and then wait until a week or two...
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...
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...
Roughly once a month or so, we get asked the question whether septic tanks or wells are covered under a home insurance policy. Generally speaking, most standard home insurance policies written on an HO3 form either do or can provide coverage for these items. The coverage provided is contingent upon...