It's that time of year - when many Boards and HOAs are planning for the calendar year ahead in their communities. Part of this planning includes the election of new Board members and discussions about General and...

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Beginning December 15th, 6 new home insurance companies have been approved to offer additional policies in Florida. This is good news considering several insurers pulled out of the state earlier this year. The companies...

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This time of year, many of us take some time to reflect on the past 12 months and plan for the coming year in both our personal and professional lives. With the upcoming holiday, many of us have at least a few days off...

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When you're getting ready to purchase a home and are shopping out insurance policies, something to look for in your quote is whether it is based on the home's "Replacement Value," "Actual Cash Value" or "Market Value."...

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If you are like many of our busy clients, you may not have had the time to thoroughly read through your home insurance policy. That's understandable. But did you know that included with covered home "contents" on your...

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Tis the season for going on vacation! It's important to be able to relax while you're gone and part of that includes preparing your home properly for your extended departure. Of course, you don't want to worry about...

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Recently I had a customer reach out to us to add newly-installed solar panels onto his homeowners insurance policy. It turned out his current insurance company does not accept solar, so we had to shop out a new policy...

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Home and auto insurance policies typically come with a minimal level of liability coverage to pay for things like property damage or bodily injury. But, average coverage levels aren't enough to handle much more than...

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It may seem like an odd time of year to be worried about home insurance claims, but the holidays introduce a whole new variety of possible challenges that could result in an unexpected claim, so it's best to be prepared...

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Most of us have car insurance but do you know if you're covered for a major wind event such as a hurricane? Or flooding? How about theft? While your home insurance policy does cover most of your property's "contents,"...

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If you currently live in an owners' association in Florida or are thinking about investing in one, it's important to understand what type of insurance policy the community has and what type you will personally need to...

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Right now, there is a lot of negative news out there about home insurance companies. Insurance carriers are leaving Florida in droves - from Farmers to Bankers to Lexington. And those that remain are steadily increasing...

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The skyrocketing cost of home insurance has been a recurring headline in the news recently - especially here in Florida. For a wide variety of reasons, many insurance companies are either drastically increasing their...

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Typically, Condo Boards set their annual budgets well in advance and make them transparent to unit owners prior to the beginning of the new year. That budget usually includes an estimated amount for insurance based on...

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Short and long-term rentals are big business in Florida, from daily rentals for vacationers to snowbird seasonal rentals and annual leases, HOAs, cities and municipalities each have their own rules pertaining to rental...

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Nearly 40% of Florida homes were built before 1975 - and if yours one of them, it's very likely that you have cast iron plumbing under your foundation. It is estimated that cast iron pipes can last up to 80-100 years,...

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It's time to shop for home insurance and you want to do your due diligence (which we strongly recommend you do annually), so you call three local agencies and ask for competitive quotes. Let's say you live in a home...

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With home insurance rates skyrocketing in recent years, we are all looking for ways to reduce our premiums. Much of the market we simply can't control, but there ARE a few things you can keep in mind as you improve your...

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If you are currently insured by Citizens Insurance Company, you may have received an offer from a private insurer for them to “assume” your Citizens policy. What does this mean and what should you do? It simply means...

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You may be hearing a lot about Citizens Insurance Company lately. You may not know much about them, other than the fact that it was your only reasonably-priced option, or perhaps your only option at all. So I thought...

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I think it's safe to say that most condominium associations do their best to ensure building structures remain safe year after year for their residents. But without a formal process to follow that ensures periodic...

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So you're planning a summer vacation trip with the family. Once you arrive at your destination and head to the rental car counter, you're always faced with the question, "Would you like to add our insurance to the...

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This week, Farmers Insurance Group announced it will be discontinuing 100,000 Florida policies, 30% of the company's statewide consumer base. Unfortunately, most of the non-renewing policies are tied to homeowners...

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Florida currently has the highest property insurance rates in the nation - although that likely comes as no surprise. In 2018, property insurance rates started going up at a rate of about 10-20%, and it has just...

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When it comes to flood insurance, while it may be "optional" for some homes, it's something every homeowner should consider seriously as they decide how to best protect their homes, families and belongings in the event...

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The nuances of home insurance can be confusing at best, but add on to that the additional, specialized insurances that a homeowner may need, and our eyes all begin to glaze over! Here in Florida, one of the major...

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The rental market is hot right now due to a number of factors, including high mortgage interest rates, higher cost of living and low credit scores across the country. As a result, potential renters are finding that many...

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Regardless of whether we are insuring a single family home, townhome, or multi-unit condominium community, our core focus is always the safety and well being of the residents inside. In relation to condominium complexes...

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It's official - Hurricane Season is here! For those that have lived in Florida for many years, it may take a Category 2 or 3 storm to get you concerned, but new residents have no idea how to prepare for this level of...

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Summer's here and it's time to pull out your summer toys and enjoy this gorgeous tropical Florida weather! Whether you plan to take your boat or jet skis out on the Indian River, show off a shiny new golf cart on your...

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In trying to provide a personalized level of service to each of my clients (and be a memorable realtor that they will rely on for many years to come), it's always important that each one see me as a trusted resource for...

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Hurricane Season is nearly here, and as long-time Floridians know, having the right level of insurance is critical. After a hurricane (or most recently, a hail event - both considered "Acts of God" in insurance language)...

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Many of us are seeing significant (and surprising) increases to our home insurance premiums today, but you may not know what you can do about it! If you plan on replacing your roof soon, that can help reduce your...

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As many condominium boards and property managers know, insurance for communities is going through a significant price adjustment - in some cases tripling in cost. This is hitting the industry hard. Making it even more...

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There has been a lot of scary insurance news out there recently. The latest of which is a 1% emergency assessment that was passed by Florida insurance regulators last week. This assessment goes into effect in October...

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With home insurance costs being higher than ever, everyone is looking for ways to save on costs. Some insurance companies are now offering a new way to save money: the arbitration agreement. What is the Arbitration...

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If you’re looking around for home or auto insurance, you may find the process confusing, especially if you’re new to buying coverage and aren’t familiar with the terminology. Here are five essential things you should...

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Having a new puppy join your household can change your life. The snuggles and kisses make getting up in the middle of the night for potty breaks worth it, but in the whirlwind of change, it’s easy to forget some...

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With the new car market impacted by shipping delays, many people are choosing to buy used cars lately. And some people only purchase a used vehicle because it saves them money and lets the first owner figure out if it’s...

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Whether you’re just getting away for a long weekend or spending a few weeks out of the house, it’s important to ensure your home is safe while you’re gone. Follow these tips to help prevent break-ins, fires, and water...

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It’s an unfortunate fact that life expectancy in the US has dropped recently. This has led many people to examine whether or not they should have a life insurance policy and, if so, how much coverage they should have....

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Most people are aware that homeowners insurance rates are very high right now. One way we can help alleviate these high costs is by offering a higher deductible on the homeowners policy. Specifically, we can offer a...

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Getting a driver's license is a big deal! While an exciting life milestone for a teen, it can be met with mixed emotions for parents. It may make life easier to have another driver in the household, but it may also...

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