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…
Long-time residents of South Florida are accustomed to preparing, and even riding out, hurricanes that lay waste to all they touch. An ever-increasing number of people are flocking to the state and there are some important things everyone should know…
Purchasing an insurance policy today doesn’t secure coverage tomorrow. Insurance companies have what’s commonly known as a waiting or elimination period. Within the industry, it's called an exclusionary period. The exclusions are written into all types of policies ranging from…
The pandemic brought changes to the travel insurance industry. However, few people read the fine print in the policies. The wide range of restrictions, requirements and coverage options can be extremely confusing. Bear in mind that each airline has its…
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…
There is absolutely no mandate in Florida that homeowners carry hurricane insurance. However, a mortgage holder may require it as part of the loan agreement, along with flood insurance. Hurricane insurance doesn’t cover flooding. Many people are confused about the…
The coverage for a flooding event can be extremely confusing for homeowners. A standard homeowner’s insurance policy covers flooding in the home – under certain circumstances. It does not cover flooding resulting from hurricanes. A separate policy through FEMA is…