As you know, Florida is a unique state when it comes to insurance. It's a challenging environment with our hurricane-prone coastlines, plethora of HOAs and unique retirement communities. Depending on your circumstances,...

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Now that we are in the thick of the official hurricane season here in Florida, you may have noticed - if you recently tried to bind a new home insurance policy - that most carriers will stop writing up to a week or two...

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We realize that not everyone lives and breathes insurance everyday like we do, so we like to take some time now and then to explain some "Insurance 101" items to ensure clients are as educated as possible when it comes...

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If you live in a condo, townhome, or HOA community, it's likely your association has a variety of insurance coverages on the community to protect you, your neighbors and guests on the complex's common grounds like the...

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As you know, Florida remains a hot real estate market for homeowners in colder climates seeking seasonal respite from the chilly elements. Spending the summers in their cooler states while enjoying typically harsh...

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As a Floridian, you may know that - regardless of the flood zone your home is in - it's always a good idea to have flood insurance in place, especially once you realize that your regular homeowners insurance doesn't...

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At Wren, because we are protection minded, we always quote our home insurance policies using Replacement Cost Value (also known as RCV) on contents, versus Actual Cash Value (ACV). RCV is equal to the amount it would...

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Today nearly a dozen different car insurance carriers offer a "safe driving" program for customers that elect to participate. These optional programs typically include either a plug-in telematics device that you...

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If you've ever worked with Wren Insurance Agency to secure auto insurance, you may have noticed that we quote bodily injury liability starting at $100,000 per person and $300,000 per accident (also known as "100/300...

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When it comes to home and auto insurance - with very few exceptions - did you know that you can change your insurance carrier at any time? It's true! Whether you just signed up for a policy to meet a deadline but want...

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When you purchase your first home, if you are using a mortgage lender to finance your investment, you'll learn that your property taxes and home insurance fees are going to be included in your monthly mortgage amount....

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While Citizens has become a popular choice among residential homeowners in recent years - due primarily to skyrocketing private carrier costs and non-renewals from companies leaving Florida - residential HOAs and Boards...

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Shopping for a home can be a very exciting time, and while folks are looking for different things in their new residence, something you may want to consider are factors that can significantly increase or decrease your...

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While Citizens has become a popular choice among residential homeowners in recent years - due primarily to skyrocketing private carrier costs and non-renewals from companies leaving Florida - the commercial world is...

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Condominium safety and management has been under a microscope since the June 2021 collapse of the Champlain Towers South building in Surfside. This month's passing of Florida House Bill 1021 is a direct result of that...

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In Florida, a townhome is either insured as a single-family home (through an HO3 policy), or as a condominium (an HO6). The type of property insurance you need is dependent on how your community is insured as a whole....

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The 2024 Hurricane Season is anticipated to be highly active, with 23-24 named storms and more than 10 expected to escalate into hurricanes. NOW is the time to consider adding a flood policy. They are inexpensive, cover...

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In a March press release issued by the Florida Senate, legislation aimed at reducing property insurance costs in Florida passed and included: 1-year insurance premium tax relief on flood policies written between 10/1/24...

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The world of insurance can be challenging to navigate, whether you're an individual homeowner or a member of a Home Owners Association (HOA) Board, serving as a fiduciary to your community members. When looking for the...

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Flood insurance isn't required on all homes, but in a storm-prone state like Florida, it's always a safe bet to secure it. The price of the policy is a bargain compared to the cost of damage that can occur from...

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Crime Coverage - also known as a "Fidelity Bond" or "Fidelity Guarantee," is a form of insurance coverage that protects against fraudulent acts - like embezzlement - committed by Board Members or Property Managers in a...

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Home insurance rate fluctuations are making the news weekly it seems - especially here in Florida. Many private insurers are fleeing the state and Citizens is working to offload some of their client roster and get back...

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When it comes to home repairs, improvements and additions, we know there is some confusion as to whether permits are required by a licensed contractor. In a challenging economy - such as the one many of us experienced...

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Within the past few months, you may have been one of 300,000 Florida homeowners that received a letter from your current home insurance carrier, State-backed Citizens Insurance. As you may be aware, Citizens was created...

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