There are many types of car insurance coverage. Find out what each of them do.
People refer to “car insurance” as if it was a single item they could purchase and be on their merry way. But in fact, there are dozens of types of car insurance coverage that make up your car insurance policy.
In this article, we’ll go over 10 of the most common types of car insurance and what they cover to help you better understand your options. Read more →
Florida homeowners have a lot of freedom and flexibility when it comes to their homes. From paint colors to whether or not to install a pool, you have a choice about what changes to make to your property.
But if your house is destroyed, there are many projects that you will have to undertake, even if they’re out of budget.
Luckily, Ordinance or Law coverage can protect your home, your family, and your budget against covered losses. Read more →
Back in the 1300’s, “shipping” was a very literal term. In order to get things from place to place, people relied on marine transportation—namely, ships. And because of the risk of storms, piracy, and other dangers, merchants needed coverage for the expensive cargo on those ships.
As time went on, however, larger cities began popping up much further away from the coast. These inland locations faced a completely different set of risks and therefore required a similar, but unique, type of insurance.
If you’re not in the insurance industry, it can be hard to understand what it’s like for the team that works behind the scenes. So whenever we can, we like to pull back the curtain, so to speak, to show you the nuts and bolts of running an independent insurance agency.
If you’re interested, watch the entire interview on Kelly’s website. In addition to going over our background and our roles in the agency (you always wondered, right?), we touch on a lot of insider information within the insurance industry.
First, we discuss why Florida is a whole different ballgame in the insurance world. We also cover how we manage our team (including our interns). Finally, we discuss the future of the industry and why the ability to change will be key.
Thanks again, Kelly, for allowing us this incredible opportunity!
If you have a small business, you are probably aware that you need a Certificate of Insurance (COI).
You might have been asked to provide one by a savvy consumer or potential landlord. Or perhaps your independent insurance agent advised that you have one.
You may not even have the slightest clue what it is.
As Central Florida-based independent insurance agents, we not only know what a Certificate of Insurance is, we’re also used to answering questions about them. Let’s answer some of your top questions about your Certificate of Insurance.
Florida is famous for many threats—hurricanes, alligators, the eponymous “Florida Man”—but one of its most dangerous features lurks right underground: sinkholes. Which begs the question: “How does this affect my insurance?”
Your Florida homeowner’s policy includes catastrophic ground cover collapse, but is that the same as sinkhole insurance? In this article, we’ll compare sinkhole coverage vs. catastrophic ground collapse to see how the two measure up.
If you’ve shopped for home insurance recently, you might be wondering something…
Why are home insurance quotes so different between carriers?
It’s great to get home insurance quotes from multiple companies before settling on one. After all, isn’t that how you get the best value on your insurance?
But it begs the question,” why do homeowners insurance quotes differ so much?”
In last month’s article, “How Does Insurance Work?” we discussed how certain risk factors (or liabilities) can increase the amount you have to pay toward your premium or deductible. This might explain why insurance on your three-bedroom ranch is so different from your sister’s McMansion, but can it explain why your house received four completely different quotes from four different companies?
Turns out, there is a good explanation for that! Read more →