Lightning is something to which South Florida residents are accustomed. It’s a year-round danger. The electrical discharge can be spectacularly beautiful, unpredictable, and deadly. A lightning bolt is able to strike homes, vehicles and boats. It doesn’t discriminate in its…
New legislation went into effect in Florida on Oct. 1, 2023. It prohibits cities, communities, counties, and other governmental units from banning dogs according to their weight, size or breed. The law doesn’t affect homeowners, private landlords, home associations (HOAs),…
Thanksgiving and Christmas is right around the corner and many people will find themselves sharing time with family. Everyone knows that a tranquil holiday means not talking about politics, religion or money. To avoid conflicts, there’s another topic you shouldn’t…
Trick-or-treaters will soon be knocking on doors for some sweet treats. Unfortunately, many homes will be the target of mischief makers who care more about “tricks” than treats. The good news is that your homeowner’s insurance, or renter’s insurance, will…
Homeowners are often confused about exactly what their homeowner’s policy covers and its exclusions. Flood coverage is one of the most misunderstood of all insurance options in South Florida. There is one major differences in a homeowner’s policy and a…
Insurance companies offer a wide variety of discounts on car insurance policies, but discounts are also available on your homeowner’s policy. The exact discounts available and amount of savings you’ll experience will depend on the insurance company. Be sure to…
As with so many things connected with homeowner’s insurance, if your home has a fungi infestation, your insurance policy may or may not cover the cost of remediation. It will depend largely on the circumstances surrounding the situation. Terms of…
The simple answer to the question is maybe. Coverage will depend largely on if water damage is listed as a covered peril in you r policy and the circumstances surrounding the flooding. Water damage in insurance policies is usually defined…
Many people arrive home from a restful vacation, only to discover their home has been the site of a burglary. There are a number of basic precautions that will significantly reduce the potential of having your home burglarized Need to…
When a people purchase homeowner’s insurance, they make the mistake of assuming that any issue they may encounter is going to be covered. That’s just not true. There are a number of exclusions attached to homeowner policies that create gaps…