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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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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A security camera can help protect your property against intruders or provide evidence in the event of a break-in. But with all the technology available today, it can be tough to figure out which smart security camera...

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Every year, we spend time and energy on the perfect costume, but we don’t spend nearly as much time discussing Halloween safety. We hope these tips will help to keep you, your family, and your home safe this Halloween....

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As we head into (slightly) cooler weather, it’s a great time to perform a checkup on your home! Did you know that homeowner’s insurance policies do not cover maintenance or wear and tear? It is the homeowner’s...

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Have you ever wondered what Team Wren is ACTUALLY like? Maybe you've tried to put a face with the name, or perhaps a personality to the voice you've heard on the phone? Team Wren Spotlights allow our clients to do just...

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Hurricane Ian made landfall on the west coast of Florida on September 28th as a Category 4 storm, with maximum sustained wind speeds of 155 mph – nearly high enough to be classified as a Category 5 storm. Ian tied the...

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With Hurricane Ian approaching, we thought it would be prudent to share these 5 things to know about insurance and hurricanes: Hurricane deductibles: Most homeowners’ insurance policies contain higher deductibles for...

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Have you been told you can’t get insurance due to a “binding restriction”? Here, we will share with you what this means, how it affects you, and what you can do about it. Binding restrictions don’t come up often – so...

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Did you know that September is Life Insurance Awareness Month? According to the 2013 LIMRA life insurance study, 85% of people say they need life insurance, but only 44% of people actually have it. This gap indicates...

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Have you ever wondered what Team Wren is ACTUALLY like? Maybe you've tried to put a face with the name, or perhaps a personality to the voice you've heard on the phone? Team Wren Spotlights allow our clients to do just...

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Have you ever wondered what Team Wren is ACTUALLY like? Maybe you've tried to put a face with the name, or perhaps a personality to the voice you've heard on the phone? Team Wren Spotlights allow our clients to do just...

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It’s National Read a Book Day on Tuesday, September 6th! 📚 Did you know that reading can have positive benefits to both physical and mental health? A 2009 study showed that just 30 minutes of reading lowered blood...

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National Beach Day is coming up on August 30th, so we asked some of our team members what their favorite beach is and why. Who knows – you might even run into us there someday! 🌞 Amanda - Paradise Beach Park in...

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The typical Homeowners policy (HO3 – Special Form) covers all risks of direct physical loss to your home, including water damage - but with significant exclusions and limitations. The types of water damage likely to be...

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Have you ever wondered what Team Wren is ACTUALLY like? Maybe you've tried to put a face with the name, or perhaps a personality to the voice you've heard on the phone? Team Wren Spotlights allow our clients to do just...

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Have you ever wondered what Team Wren is ACTUALLY like? Maybe you've tried to put a face with the name, or perhaps a personality to the voice you've heard on the phone? Team Wren Spotlights allow our clients to do just...

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When shopping for homeowners insurance, it might be instinctual to simply choose the lowest premium presented. This can be especially true when shopping for insurance at the same time as buying a new home! With...

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Have you ever wondered what Team Wren is ACTUALLY like? Maybe you've tried to put a face with the name, or perhaps a personality to the voice you've heard on the phone? Well, Team Wren Spotlights allow our clients to...

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Living in Florida, we experience our fair share of storms - especially in the summer! But do you know how these storms are classified and what the differences are between them? One of the best ways to be prepared is to...

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We are a few weeks into summer, and the beautiful sunny weather has us excited to travel! We’ve compiled a list of tips to keep you and your family safe during your summer travels. Review your insurance policies prior...

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Happy Fourth of July, everyone! This weekend as we observe our independence, many of us will be celebrating with our family and friends. This might include a road trip, a barbeque or two, and let’s not forget the...

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As we welcome the warmer weather, we start venturing into the numerous outdoor activities available. With one of these activities being the refreshing swimming pool right in your back yard, if you are so lucky to have...

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Have you ever wondered what Team Wren is ACTUALLY like? Maybe you've tried to put a face with the name, or perhaps a personality to the voice you are so used to hearing over the phone? Well, Team Wren Spotlights allow...

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From filling out forms to providing inspection reports, there can be so much paperwork involved when hunting for insurance! In a previous article, we discussed what 4 Point Inspections are and why you may need one. Here,...

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Chances are, if you are new to Florida or have a newly built home, you may not be familiar with a 4 Point Inspection. That’s okay, and why we are here to help! If you are purchasing a home, renewing your insurance, or...

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Florida is undeniably a beautiful state to live in, but with that beauty comes a tradeoff: dealing with hurricanes and tropical storms. The best way to keep yourself and your family safe is to have a predefined ...

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When news hits that a storm is approaching, anxiety levels begin to rise and everyone begins rushing to prepare. While experts usually issue warnings of storms days in advance, you may need to evacuate quickly and do...

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The Atlantic Hurricane Season lasts from June 1st - November 30th and can have a lot of Floridians on edge! After all, hurricanes are dangerous and can cause extensive damage from the storm surges, wind damage, and...

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With the rising cost of homeowners insurance, we are all looking for ways to save, even if it's a small discount. In recent years, technology such as doorbell cameras and security systems have been becoming more easily...

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Have you ever wondered what Team Wren is ACTUALLY like? Maybe you've tried to put a face with the name, or perhaps a personality to the voice you are so used to hearing over the phone? Well, Team Wren Spotlights allow...

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Say you have a unit owner in the lobby, or other common area of your condominium association. This particular unit owner contracts COVID-19 and decides to sue, claiming that the association is liable for their medical...

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When shopping for insurance, most people know to start by finding an agent. But what if you don’t know what kind of agent will meet your needs? That’s why it is important to explore the difference between direct agents...

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According to the Insurance Institute for Highway Safety, teenagers are four times more likely to get into an auto accident than older drivers. Simply put, experience on the road makes a difference. Teenagers lack...

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Have you ever wondered what Team Wren is ACTUALLY like? Maybe you've tried to put a face with the name, or perhaps a personality to the voice you are so used to hearing over the phone? Well, Team Wren Spotlights allow...

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In the insurance world, a “flood” is typically defined as “rising water”. And unfortunately, flooding is excluded from most homeowners insurance policies. To protect yourself from rising waters, you will need a separate...

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From previous articles, we know that insurance companies are accepting certain levels of risk when extending coverage to a client, so certain parameters are put in place to ensure they can cover the costs of any...

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Spring is right around the corner and while we are most likely ready to enjoy warm weather and light breezes, it won’t be too long until we head straight into hurricane season. Floridians are often the envy of many...

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The definition of “Full Coverage” can vary depending on what website you look at. Some define it as a combination of Bodily Injury liability, collision, and comprehensive coverage. Others say it’s the state minimum...

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Most people know that having home and auto insurance is crucial so that you can be protected should an incident occur. But what happens if the incident exceeds the liability limitations of your home or auto policy? This...

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Have you ever heard the phrase “it takes a village to settle a claim”? Me neither, but it’s definitely true! There are many different people involved in the insurance process, especially when it comes to processing a...

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When insuring a single family home, it is obvious who holds the responsibility for the property. But condominiums, with their entangled mix of public and private spaces, make determining who should be held accountable...

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If you have ever purchased and insured a home, you are likely familiar with the various inspections involved in the process. One of the most important and common of these inspections is called a Wind Mitigation...

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When we think of auto insurance and its purpose, generally the first thing that comes to mind is paying for damage or injuries you cause to someone else. It is thought of as a form of protection to prevent an unforeseen...

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When extending coverage to a client, insurance companies are agreeing to provide financial compensation if the client experiences an event resulting in filing a claim for damages or loss. While the future event may not...

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Florida is well known for its attractive beaches and bodacious marshes- who wouldn't love to live where every day is a vacation? Unfortunately, with the luxury of being a peninsula state also comes the caution we must...

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The start of the new year often marks the start of New Year's resolutions and new goals. According to StatisticBrain.com, the top 3 New Year's resolutions are to lose weight, to get organized, and to save more/spend...

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With its impressive shorelines, lush landscapes, and beautiful cities, the state of Florida has so much to offer its residents and visitors alike. However, not even the Sunshine State is safe from the perils of...

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With everyone looking for ways to cut costs, solar panels can seem very appealing. Companies such as FPL and Tesla have been sending out advertisements encouraging homeowners to install solar panels in order to help...

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You may have noticed that your insurance rates are rising this year. Why is this? Well, in broad terms, it’s a matter of supply and demand. There are fewer insurance companies offering insurance than in previous years....

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There are many reasons to have a replacement cost appraisal performed on your association’s property every three years at a minimum (1 bonus reason is that it’s the law!). But before we get into that, let’s discuss what...

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With a new year comes a fresh start, which often brings new goals and projects. There are many different home improvement projects that might be involved in your 2021 plans that could impact your insurance. It is...

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Hurricane season is officially over for us now that it is December! What does that mean for your insurance exactly? Well, it means that now is the time to explore your various insurance policies and ensure that you are...

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If you are shopping around for homeowner’s insurance, then chances are you have been asked for inspections. We often get questions about what these inspections entail, why they are necessary, and which types of...

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For some of us it’s watching our kids’ faces light up when they finally get to trick-or-treat. For some of us it’s picking out our costumes for our neighbor’s annual costume party. For some of us it’s stocking up on...

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Structural property damages are often what we associate with homeowners, condo, or renters insurance policies; but what about personal belongings that are damaged in a covered peril such as a fire or a break-in? This is...

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Homeowner’s insurance is one of the most important financial obligations to get right. Having the wrong amount of coverage, whether that be too much or too little, can be financially, physically, and ultimately...

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Now that we understand how life insurance works and how much life insurance you need, let’s explore when you need to review your life insurance policies. Understanding when and why you need to review your life insurance...

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Last week we talked about how important life insurance is and how life insurance works. This week, we want to talk about how you can figure out the right amount of life insurance for you and your specific situation. How...

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Life insurance is one of the most important types of policies that we use to protect our clients, but it is not always revered as such. The vast majority of us understand how important it is to insure our homes, our...

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You may have noticed a new face floating around our social media pages...that’s our newest team member Beth Ritter! Beth is one of our Commercial Producers and the fifth member of our growing commercial team. She is...

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The Coronavirus has affected all of us is so many different ways. For some, the impact has been physical in their health. For some, the impact has been mental in their emotional well-being. For others, the impact has...

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With storms approaching us, the feeling of hurricane season seems to just now be hitting home for many of us. Whether you have been prepared for this year’s storms for months or you just now starting your storm...

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When you have to file a claim, the process can often be confusing, long, and difficult to navigate on your own. From figuring out who to call, what to report, where to go; it’s a lot of work! Not to worry though, we are...

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Storm preparedness is something that we talk about a lot at Wren Insurance Agency, and also something that we as Floridians tend to have on all our minds this time of year; however, something that we do not talk about...

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As Floridians we were probably more prepared than most for the empty shelves that COVID-19 brought us, because we see those same empty shelves every year during hurricane season! Even though we are all used to stocking...

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Life insurance is something that many people simply have through their employer and, therefore, is something that many people do not fully understand. Most workers tend to be covered by the group life insurance that...

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Hurricane season 2020 officially began this week and as Floridians we all know how important preparation is. This is why we cannot stress to you enough how important it is to ensure that your insurance is as ready as...

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As life slowly begins to get back to normal, you may find yourself and others out on the road more. This means that it may be time to check-in on your auto insurance policy. Whether you are a single driver, have a...

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Families are the cornerstone for why we do what we do, so of course we want to acknowledge that today is International Day of Families! Team Wren has been protecting and serving the families of Florida for over 40 years,...

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The Coronavirus has brought up many questions for all of us and affected so many different areas of life. We want to assure you that we understand whatever concerns you may have in regards to your insurance, and wanted...

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Once a month, we like to go out into our community and speak with experts of other fields in order to get their perspective on current events at hand. During this time of social distancing, stay at home orders, and the...

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This is truly an unprecedented time and if there is anything that any of us can be doing to support one another, we should be. Here are some ways that you might be able to help out – Check-in on your people! Wave to...

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This is clearly an unforeseen time for us all, most of all our local small businesses. Although social distancing and self-quarantining is affecting everyone, small businesses have essentially lost their entire customer...

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This Friday the 13th is especially frightening as COVID-19 is at the forefront of everyone’s minds. We realize that this is a concern worldwide and want to acknowledge that we are taking our community’s safety very...

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Whether you are a small business, large corporation, or anything in between, employees are always something worth appreciating! Since we work with both individuals, as well as businesses, we thought that sharing some...

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2020 is a special year for so many reasons, one of which being it is a Leap Year!! Looking ahead at the rest of the year, it is clear that Leap Year is truly looking out for us - Valentine’s Day was on a Friday, Cinco...

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Have you ever wondered what Team Wren is ACTUALLY like? Maybe you've tried to put a face with the name, or perhaps a personality to the voice you are so used to hearing over the phone? Well, Team Wren Spotlights allow...

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On this national day devoted to love, not too many people are thinking about insurance...but we are! This week, we want to help you understand the importance of insurance on Valentine’s Day and how it might play a role...

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Valentine’s Day is right around the corner, and what better way to celebrate the day than to give a special gift to express your love for that special someone (which can totally be yourself by the way – you’re awesome)....

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Here it is...the most common resolution for ANY time of year. So many of us want to exercise more, eat healthier, and take care of ourselves better in 2020. While Team Wren might be full of insurance experts, we thought...

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This is a very common new year’s goal for many of us. Between Netflix, Hulu, and reality TV, we are more than digitally entertained. If your goal is to slip in a book in between your tweeting and your scrolling, here...

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As 2020 completes its second week, I wonder how many of us are sticking to our resolutions...Well, if your resolution was to learn something new this year then you are in luck, because Team Wren is going to help you out...

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If there is one resolution that can apply to everyone, it is this: to be wise with our monetary gain. No matter what your financial status is or what you plan it to be for 2020, it is so essential to budget your money...

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2020 is finally here! This year’s goals seem to outweigh others as not only is this the start of a new year, but the start of a new decade. With this opportunity for a fresh start at the forefront of everyone’s minds,...

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As year 2019 comes to a close, it is important to recognize both the importance of your existing insurance policies as well as the potential need for additional policies. Going into the new year, we want you and your...

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Looking for a unique gift idea this holiday season? Life insurance policies might be just the thing you are looking for. Here are some reasons that life insurance could make the absolute perfect Christmas gift for your...

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With the cooler weather rolling in it is growing abundantly clear that the holiday season is upon us. No matter what holidays you and your loved ones choose to celebrate, this season can be a joyous yet hectic time of...

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Thanksgiving is a wonderful time of year, full of grateful hearts and stuffed tummies. That being said, there are liabilities that you need to be aware of if you are hosting a Thanksgiving celebration for your loved...

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As the year progresses statistics for automobile accidents caused by texting and driving continues to rise. According to the National Highway Traffic Safety Administration, there were 3,166 lives taken by distracted...

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Looking into homeowner’s insurance? We understand that this can be a confusing and frightening path; however, getting a quote (with us), is much simpler than most people realize! Here is the information that you will...

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As Summer has winded down and we have all fallen (pun intended) into our routines, it is so easy to get used to the clutter and disorganization of it all. Between navigating school zones and PTA meetings while still...

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What is an AOB? Assignment of benefits is a document that, once signed, transfers the power of the insured party from the policyholder to a separate third party of choice. This third-party could be a roofer, a plumber,...

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Property damage is the last thing that anyone wants after a storm; that is, except for roofers. After a big storm hits, you will start to notice roofers flocking in your area. Some of these roofers have the purest of...

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With Dorian just off the coast, there is no better time to ensure that you are properly prepared for a hurricane to make landfall. Here are our tips for preparing yourself and your family for an oncoming storm: Meet...

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A couple weeks ago we published Part I of our “People First, Professionals Second” blog series, which explained why it is of upmost importance to emphasize individual differences we each hold in our cognitive processes...

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Last week we published Part I of the “People First, Professionals Second” blog series, which discussed the important role that personality plays in the workplace, (if you haven’t read that yet, go check it out!). This...

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Here at Wren, we strongly believe that each person has been uniquely created for a specific purpose. This same concept applies to the workplace; each employee has been uniquely created and holds a specific purpose...

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Team Wren would like to take some time out of each month to highlight special organizations that are doing good in our community. We believe that genuinely caring for those around us is of upmost importance, in and out...

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Florida is such an incredible state to live in...that is until flood season arrives. With hurricane season gearing up and storms headed our way, flooding is something that we must always be prepared for. Here are some...

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Have you ever wondered what your account manager is like? Maybe you've tried to put a face with the name, or perhaps a personality to the voice you are so used to hearing over the phone? Well, Team Wren Spotlights allow...

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Rain seems to be the forecast for many of us in the coming weeks. Some of us are experiencing mild rainstorms or sun showers, while others are experiencing heavy rainfall and extreme flooding. This stormy weather has...

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Happy Fourth of July, everyone! This weekend as we observe our independence, many of us will be celebrating with our family and friends. This might include a road trip, a barbeque or two, and let’s not forget the...

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Spring is a time for new beginnings, and cleaning and organization around the house are very popular this time of year. If you’re ready to tackle the monumental spring cleaning chore, read on for some helpful...

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Owning a home is usually a great experience. But it can also be a hassle, especially when unexpected issues pop up-whether you have a minor breakdown or a major catastrophe, it’s almost certainly going to require time...

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Every year, we spend time and energy on that perfect costume, but we don’t spend nearly as much time discussing Halloween SAFETY. We hope these tips will help to keep you and your family safe this Halloween. ALWAYS...

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As we welcome the warmer weather, we start venturing into the numerous outdoor activities available. With one of these activities being the refreshing swimming pool right in your back yard, if you are so lucky to have...

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Did you know the latest amendment of January 1, 2010, is directed at the air conditioning components within condominium building. Did you know the statue now places the association 100% responsible for replacing HVAC...

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Animal liability insurance provides you with liability coverage if your dog were to bite/injure another person and they sue you for their injuries. If you do not have animal liability coverage on your homeowners...

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My son is grown already, past the teen years, but I still remember the scary days when he was a teen driver. If you are like me, having an inexperienced driver, or your teen being a passenger who rides with an...

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The purchase of homeowners insurance can be a daunting task. For many homeowners, part of this process requires that inspections be completed before the insurance can be priced. There are several types of home...

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A mitigation inspection, also referred to as a wind mitigation inspection and Uniform Mitigation Verification Inspection form, is to determine the appropriateness of a particular structure's construction in the event of...

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The following is an interview with Brandi Moore, one of our Personal Account Managers and the newest member of our team!! How long have you been at Wren Insurance Agency? 2 ½ months Where did you grow up? My childhood...

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As we head into slightly cooler weather, this is a great time to do a home checkup. Did you know that your insurance policies do not cover wear and tear or maintenance? It is the homeowner’s responsibility to make sure...

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In the aftermath of Hurricane Irma, our team at Wren Insurance is reminded of our driving force - our "why" for being in the profession we are. We exist to take care of people. As simple as that sounds, we take it very...

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For several years, home and auto insurance bundles have been unavailable in Florida. After the 2004-2005 storm season, most of the larger carriers left the homeowners market. After almost fourteen years, that is...

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A Certificate of Insurance is not the legal equivalent of your policy. It also does not create a contractual relationship between the insurance carrier and the certificate holder. So, if it’s not the legal equivalent of...

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The following is an interview with Leislie Hernandez, our Commercial Lines Assistant! She has been a great addition to the Wren team! How long have you been at Wren Insurance Agency? I’ve been working at Wren Insurance...

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As fall approaches, we notice more changes occur than just the colors of leaves (with the exception of Florida of course!). Fall means your children are returning to school, maybe going off to college, or there may be...

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We are officially in summer, folks! With the kids being out of school for a couple months, this is the perfect time for family vacations. I wanted to give you some tips to help you build lasting memories safely. First,...

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The following is an interview with our newest team member, Amanda Miller! She has joined our Personal Account Managers. How long have you been at Wren Insurance Agency? 3 months Where did you grow up? Chesapeake,...

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Thanks to Hurricane Matthew, 2016 was the first time in more than 10 years many of us have filed wind storm claims. Some learned their deductibles are more complex than they may have thought! Prior to the early 2000’s,...

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The first time you see the value your homeowner’s insurance has placed on your home, it might shock you a little. That’s because the number is probably nowhere near what you paid for your home, or what it is worth on...

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When your insurance agent calculates the estimated cost to replace your home in the event of a claim, they are basing it on the available knowledge they were given regarding the features of your home. This includes...

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The following is an interview with Bekah Preset, one of our Sales Associates! How long have you been at Wren Insurance Agency? Since October, 2015 Where did you grow up? Cocoa FL iPhone or Android? Why? iPhone!...

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We all know the saying, April showers bring May flowers, but what happens when the showers don’t stop? Flooding, that’s what! I like to tell people flooding is considered rising water and can be caused by continuous...

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Did you know that over 30 percent of housing in the United States is made up of renters? Being a renter myself, I had to learn the importance of Renter’s Insurance the hard way. In 2012 my home was broken into, but...

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Before you buy insurance, it’s important to understand the major ways insurance is sold, then determine which one is right for you. Generally speaking, insurance can be purchased through one of three distribution...

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For me, it all began in 2005 after I graduated the University of Connecticut. After growing up in a small town my entire life, I wanted a change and what better time to start! I decided to move to Florida for the warm...

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Shopping around for auto insurance is the best way to make sure you are getting the best deal. But not every agent or insurance company quotes in the same way. When you begin to call around for quotes, it's important to...

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The following is an interview with Lisa Szubielski, one of our Personal Account Managers! She is new to the Wren team, and we are so blessed to have her energetic and sweet personality at the agency. How long have you...

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Although states set the minimum requirements that you must carry on your auto policy, in most states the requirements by law are extremely low. The primary reason we buy automobile insurance, both liability and property...

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The following is an interview with Leigh Butler, one of our Personal Account Managers! How long have you been at Wren Insurance Agency? 15 years Where did you grow up? I moved every 2 years as I was a Navy brat. I...

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Your home is one of your most valuable assets. It is also most vulnerable during the holiday season! This is why you should be sure to take as many precautions to protect your home as you are able. Below are just a few...

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It’s that time of year again, the holidays are upon us and I don’t know about you, but I am looking forward to every minute of it! As we head into Thanksgiving I just wanted to share some safety tips and statistics that...

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What do you see when you look around your office? Most likely you see furniture, computers, printers, scanners, copy machines and all other types of electronics and office equipment. If you add it all up to get a rough...

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The following is an interview of Angie Biggs, our Sales Associate! She is new to the team at Wren but not to the insurance world! How long have you been at Wren Insurance Agency? About 9 months Where did you grow up?...

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The typical Homeowners policy (HO3 – Special Form) covers all risks of direct physical loss to your home including water damage but with significant exclusions and limitations. Types of water damage that are likely to...

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The following is an interview with Serena Ray, our Personal Lines Director! How long have you been at Wren Insurance Agency? Over 6.5 years!!!! Where did you grow up? Coventry, CT iPhone or Android? Why? iPhone :) It...

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Everyone who drives is required by law to carry auto insurance, but when many people look at their policy, they are confused by the coverage types and numbers. Understanding what the terms and numbers on your auto...

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The following is an interview with Tiffany Grundy, one of our Personal Account Managers! How long have you been at Wren Insurance Agency? A little over a year Where did you grow up? Brevard County for most of my...

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Most people think of homeowner's insurance as a policy that is there to protect their house and property. Although this is a major feature of a homeowner’s policy, there is another main coverage that comes with most...

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The following is an interview with Sarah Logan, our Commercial Account Executive! How long have you been at Wren Insurance Agency? 3 years Where did you grow up? Troy, NY iPhone or Android? Why? Android! Better...

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Wren Insurance Agency has two office locations, Viera and Palm Bay. As an agency, we try to ease the insurance process for you with the use of electronic applications, chat features, use of email, internet quote...

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As the summer is quickly coming to an end it's time for all of us to prepare for back to school, whether we have children or not! This is also a great time of year to review your home, auto, umbrella, and life insurance...

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There are many types of roof materials out there, but the most common are asphalt shingles, metal, and tile/clay. It is beneficial to know the types of shingles and how you can help extend the life of your existing roof....

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August and September are the most active months for tropical storms and hurricanes. In fact, almost 80% of all named-storms develop in these two months. Because of this, I am sometimes asked these two questions: Can I...

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If you are an American, the 4th of July is a special time filled with food, family, friends, and fireworks. My husband gets so giddy on Independence Day and New Years when he can make things blow up. While this provides...

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It is almost expected to have flooding near the coasts when storms appear, but did you know that even communities 100 miles inland can be threatened with floods? In fact, inland flooding is considered the most dangerous...

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Auto Insurance If you’re involved in a car accident, it’s vital that you tell your insurer about it as soon as you can to ensure you don’t invalidate your coverage. After a motor vehicle accident, theft, or fire,...

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Home insurance is an essential part of home ownership and is a cost usually considered as part of the regular maintenance and protection of your home. If you have a mortgage, it will also be required by your mortgage...

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If you live in Florida, there is no doubt that you’ve heard about hurricanes, tropical storms, and tropical depressions, but do you really know what each one is? Here’s a mini tutorial from the NOAA website: Tropical...

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We are excited to welcome Angie Biggs to Wren Insurance Agency! Angie has joined our Personal Lines team as a Sales Associate. Although Angie is new to Wren Insurance, she has 10 years of experience in the insurance...

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Homeowner's insurance is commonly thought of as covering the structure of the home, but it also covers your personal possessions inside the home as well. “Coverage C” on your declarations page refers to the amount of...

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We value integrity. I know, I know, you may be thinking, “EVERY business says one of their values is integrity. What makes you any different?” Well, I am glad you asked! Integrity goes beyond our ethics. Vocabulary.com...

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Buying a home can be super exciting and stressful at the same time, that’s why it is important to know what to look for before you start searching! Make sure you are financially prepared for now and later For most...

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When calling around for home insurance proposals your agent will ask general questions. This could include: What is the property address?Is this your primary home?How many bathrooms?Do you have any dogs? If so, what is...

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If you own a business that requires the use of vehicles for any company activities, you need a commercial auto insurance policy. Commercial insurance policies are designed to protect you against a wide variety of the...

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According to the 2013 LIMRA life insurance study, 85% of people say they need life insurance, but only 44% of people actually have it. This gap indicates that people understand the benefit of having life insurance, but...

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The following is an interview conducted by the Independent Agent Magazine with Sarah Logan, our Commercial Account Executive, about the current D&O insurance market.How did you get started at your agency?I have...

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Should you take the Safe Driver course if you receive a ticket, have an accident, or are over 55 years of age? The answer, unfortunately, is not a simple yes or no, as it depends on the situation. If you receive a...

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Uninsured motorist coverage was created to address a critical problem. Although auto liability insurance is required in Florida, approximately one in four Florida drivers may be driving without insurance. Consequently,...

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Most businesses have General Liability insurance, but do you really have a good grasp on just how much coverage is needed? In most cases, increasing your Liability limit or adding an additional Umbrella policy is a must....

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I was invited by a neighbor to join “NextDoor.com”, a social networking site. At first I resisted, as I am already on Facebook, Instagram, LinkedIn, and a number of other sites. Why would I need to be on one more? While...

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The Society of Certified Insurance Counselors (CIC) recently honored Kirk Ball, CIC, of Wren Insurance Agency, Palm Bay for dedication and leadership in the insurance industry. Mr. Kirk Ball was awarded a certificate of...

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If you have a home-based business or you frequently work from home, having both your office space and the business itself insured is an essential part of your responsibility as a business-owner. One option that you may...

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At Wren Insurance Agency, we want to help ensure you are adequately protected, not just getting by the skin of your teeth! When your life and others' lives are at stake, you don’t want to just have the “minimum”...

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I love technology. I have a Smart Phone, a Smart TV, and I hope I get a Smart Watch from my wife for Christmas! Though I wouldn’t say I have a “Smart Home”, many of us have a "smarter" Home than we may realize. Consider...

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Whether you are just starting your business or have been in business for 20 years, marketing should be a part of your roadmap to success. It is often difficult to devote the time to building your brand and sharing that...

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If you are like me, then you love finding a good deal and Black Friday (or Brown Thursday in most cases) is the day to find it! Did you know that according to the Consumer Electronics Association one in three Americans...

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It seems that every few months we hear in the news about a severe injury caused by a dog bite. Dog bites have accounted for more than one-third of all homeowners insurance liability claims paid out in 2010, costing...

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What is a 4 point? It’s either a type of home inspection or a male deer. For insurance purposes we’ll talk about the male deer, I mean the home inspection. A 4 point inspection covers the four main components of one’s...

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When the economy is declining or business is slowing down for roofers, many of them will start to solicit business by going door to door to let homeowners know that they may need a new roof due to recent storms or...

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Whenever I meet fellow insurance professionals for the first time, I always ask them how they got into the insurance business. It’s a fun question because of the wide range of answers people share. The interesting thing...

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It seems that everyone who sells insurance is focused on telling you they have the lowest price. Everywhere you look, it’s “Save 15%” or “Average Customers Saved $500” or “Name Your Own Price”. Are these effective...

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The first time you see the value your insurance agent has placed on your home, you might cry a little. That’s because the number is probably nowhere near what you paid for your home, or what it is worth on the market....

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There have been recent changes to flood insurance. The following is a brief overview on flood insurance and what you need to know in 2015. One of the most important things to know is that damage from flooding is...

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Most people understand the importance of term life insurance as it replaces the income of a loved one when they pass away. This is important because even after they pass, the family still has ongoing financial...

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The deductible is the amount of money you agree to pay out of pocket before the insurance company will pay out money for your claim. For example, if you have a $500 deductible, that means you’ll pay the first $500 of...

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You may need a four point inspection on homes over 30 years old in order for insurance companies to cover the risk. This is often part of the underwriting requirements for older homes and helps provide proof that the...

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Remodeling your home can be a big investment of your time and money but can also add significant value. Before you start to remodel, it is important to reevaluate your home insurance needs. Make sure you keep your agent...

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Wedding insurance is the combination of love and financially backed planning for a day when there are so many things that need to go right. Wedding days can easily go haywire, so having that extra peace of mind can go a...

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If you have ever shopped around for car insurance, you probably already know that there are a number of factors that affect the rates you will be paying. Age, experience, and the type of vehicle you drive all seem like...

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When shopping for homeowners insurance, many people simply choose the lowest premium presented to them. This can be especially true when it comes to buying a new home. With everything else that is going on at the time,...

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Most people purchase comprehensive and collision coverage as part of their auto policies. However, as our vehicles age, sometimes it makes sense to skip these coverages. But how do you know when it’s time to drop the...

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As Floridians, we are well aware of the impact that hurricanes and tropical storms can have on us. Experts say that planning ahead is the best way to financially weather a storm. The most important step in the planning...

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I love reading, and over the years I have accumulated a pretty good sized library. I recently discovered a software program called Delicious Library (currently available for Mac and iOS) that serves as a virtual...

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If you’re like me and love to fire up the barbeque grill, then you know that two of the best grilling holidays of the year are coming up quickly: Memorial Day and 4th of July. It’s that time to sit back and relax with...

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Lawsuits are a very common occurrence in today’s world. It is impossible to predict how much the injured party will be awarded by the judge. That is why you may want to consider getting a personal umbrella insurance...

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When insuring a single family home, it is obvious who holds the responsibility for the property. But condominiums, with their entangled mix of public and private spaces, make determining who should be held accountable...

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A Wind Mitigation is required by the insurance underwriter to confirm or deny the existence of wind resistant features of a home that will enable the home to hold up better during a storm. A wind mitigation inspection...

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Everyone wants to keep their home safe from burglars or intruders, but not everyone wants to have an alarm system installed. There are plenty of people who prefer the do-it-yourself route, whether it’s home improvement...

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Most people would say their car is one of the most valuable assets they own. Despite that, however, some people make it downright easy for thieves to drive off in their pride and joy. At Wren Insurance, we don’t want...

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Olympians work and train their whole lives to obtain one prize - an Olympic medal. To them, it is priceless and irreplaceable. So it only makes sense that they would want to make sure they are protected against loss or...

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The start of the new year often marks the start of New Year's resolutions and new goals. According to StatisticBrain.com, the top 3 New Year's resolutions are to lose weight, to get organized, and to save more/spend...

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The winter months usually bring much welcomed cooler and dryer air to Florida. But it can be a challenge to stay healthy all winter, especially when the temperatures are up and down, and kids are passing around colds at...

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Here is a press release from Agency Revolution announcing Anne Burger as the winner of their CSR Mastery Program! Congratulations, Anne! Agency Revolution is proud to select Anne Burger of Wren Insurance Agency as their...

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According to TechNewsDaily, “Identity theft in the United States rose to a three-year high in 2012, with more than 5 percent of the adult population, or 12.6 million people, falling victim to such crimes. That's up from...

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When your home is damaged or destroyed, the last thing you want to do is come up with a list of all of your possessions for the insurance adjustor. Creating and maintaining a home inventory can help lessen that burden...

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Relationships are important to us here at the Wren Insurance Agency. In fact, our slogan is “We Value Relationships.” This is one of our core values and affects every aspect of our individual lives. We value...

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There’s nothing quite like driving a speedy, shiny classic car that turns heads and starts conversations. In fact, the beauty and elegance of old collectibles – like the 1964 Aston Martin DB5, the 1963 Corvette Sting...

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For most of us, the Fourth of July is a time to enjoy the company of family and friends, having fun and creating memories – whether at home or away. But for some families, the holiday is a nightmare. Each year,...

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Now that we are officially in hurricane season (which started June 1), it is time to review some Flood Insurance Facts: Floods and flash floods happen in all 50 states. Everyone lives in a flood zone. Homeowners...

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I am often asked, “What deductible should I carry?” The answer is never one size fits all. It usually depends on your circumstances, financial situation, and tolerance for risk. First, it's important to understand what...

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Now that April is here, it's time to renew our quarterly "Protect & Share" Program! This program will give you the opportunity to win a $250 VISA gift card, while also benefiting local charities and causes. We will...

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Daylight Saving Time begins Sunday, March 10, 2013, so don't forget to set your clock forward one hour. We here at Wren Insurance want to remind you it’s also a great time to improve your family’s safety. Be safe in...

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Florida Today, February 9, 2013 The Melbourne Regional Chamber of Commerce and its Better Business Council have recognized Wren Insurance Agency as the January recipient of its Better Business of the Month award. Wren...

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We've been featured in the January edition of Viera Voice newspaper! By George White Kirk Ball works for Wren Insurance Agency with offices located in Palm Bay and Viera, but don't let the name fool you. "It was 'Skip...

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We are excited to kick off 2013 with our new "Protect & Share" Program! This program will give you the opportunity to win a $250 VISA gift card, while also benefiting local charities and causes. We will donate $1 to...

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You'll no doubt hear the phrase "Happy Holidays!" about a thousand times over the next month. Here at Wren Insurance, we'd like to change that a little bit: "Happy – and Safe – Holidays!" While the holidays certainly...

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Millions of Americans will do some traveling this holiday season - the majority of it by car. Of course, winter weather creates a unique set of challenges on the roadways, whether you're simply driving around in Palm...

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