Protecting Your Vacation Home
If you have the good fortune to have a vacation home, it’s critical to insure it since you won’t be in residence all year. If damage occurs, you may not even know it and if you carry a mortgage on…
Insuring Your First Home
You’ll want to provide as much protection for your home as possible, without spending a fortune, but understanding exactly what you’re purchasing in your policy can be confusing. Insurance can also be expensive, especially in South Florida where the danger…
How to Combat the Rising Costs of Homeowner’s Insurance
Homeowner’s insurance has always been expensive and costs have continued to escalate, particularly in South Florida where hurricanes wreak havoc on homes. In 2021, premiums rose an average of 4 percent across the nation. However, an individual’s credit score and…
Can Adding a Fence Save on Homeowner’s Insurance?
The simple answer is yes, but much will depend on the type of fencing that’s installed and if it was erected by a professional fence installation company. A great number of insurance carriers view a fence in much the same…
How to Insure Expensive Artwork
Artwork has always been a favorite of collectors and an increasing number of people are purchasing artwork not for its aesthetic value, but for its value as a financial asset. Anyone that obtains an expensive piece of art should waste…
Can a Security System get you a Discount on Home Insurance?
A home security system not only gives you peace of mind, it can also save you up to 20 percent on your homeowner’s insurance, depending upon your insurer. The amount of the discount will depend largely on if the system…
Benefits of a Homeowners Association
What is a Home Owners Association (HOA)? Many people are perplexed by the HOA definition. A homeowners association is a non-profit organization tasked with overseeing a community of common interest. Why do homeowners associations exist? They exist to manage residential…
Does Homeowners Insurance Cover Solar Panels?
Florida’s sunny climate has led many people to invest in solar panels to save on their electric bills, lower their carbon footprint, and aid in the fight against climate change. Installing solar panels can also earn homeowners’ rebates and tax…
How to Insure Your Tiny House
There’s a movement across the U.S. toward tiny houses. The eco-friendly housing is helping people lower their carbon footprint and reduce their cost of living. Florida ranks second as the most popular state for tiny home living and insurance companies…
What are Insurance Policy Limits?
Simply put, an insurance policy limit is the maximum amount an insurance company will pay on behalf of the client. Any costs exceeding that limit will be the responsibility of the policy holder. It’s perhaps one of the most important…