home insurance quotes

Almost every week we have customers call in who are looking to purchase a home, but the home has some existing damage or some component of the home is outside of insurance guidelines that would generally make the home uninsurable – such as an old roof.  The concern is that...

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I recently had a customer ask if a claim was ever made for personal property what is needed to actually obtain that amount to replace the covered items. In a standard Florida homeowners insurance policy, there is a section called the “Conditions” section.  In the conditions section is a paragraph...

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Did you know that many insurance companies have verbiage in the policy that will cap payouts from water damage at $10,000 on older homes?  In this situation, we’re not talking about water back up but rather damage caused by pipes breaking or leaking, appliances leaking, roofs leaking, etc.  You see...

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Have a trampoline on your property?  Here’s what you need to know! The attractive nuisance doctrine applies to civil law in the United States.  It basically says that a landowner may be held liable for injuries to children who are trespassing onto the landowners land if the injury to the...

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Recently we had a customer call in a panic because a hot water valve in the kitchen broke off.  Hot water was literally spraying across the kitchen in gallons and flooding out the kitchen and dining room while we were on the phone.  The customer was uncertain what to do...

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In certain areas of Brevard County where older homes are present, areas such as Cocoa Beach, Satellite Beach, Merritt Island, and certain areas of Melbourne and West Melbourne, we often find older homes with flat roofs.  Insurance companies aren’t big fans of flat roofs.  The reason is they’ve found that...

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