All posts by Jason Levine

What Is Umbrella Insurance?

What Is Umbrella Insurance?

You want to customize your insurance coverage? We got you!

Learn more about what umbrella insurance is and why you should consider it.


Nowadays, most Americans are used to having lots of options.

We curate our social media feeds. Our iPhones come in different colors. Burger King even created a whole business platform around the idea of having things “your way.”

With umbrella insurance, this idea extends to insurance as well!
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10 Types of Car Insurance Explained

10 Types of Car Insurance Explained

What exactly are you paying for?

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.
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Steer Clear of Citizens Property Insurance!

Steer Clear of Citizens Property Insurance!

It’s not worth the low premiums!

With very little coverage, Citizens Property Insurance is Florida’s “insurer of last resort.”


The last few years have seen insurance premiums increasing at an alarming rate. Throw in unemployment caused by a global pandemic, and it’s no wonder many households are at a financial breaking point.

As a result, many homeowners are turning to the marketplace to seek out cheaper coverage. In some cases, the cheapest option is a policy with Citizens Property Insurance.
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What Is Ordinance or Law Coverage?

What Is Ordinance or Law Coverage?

Building codes change with surprising rapidity.

Ordinance or law coverage might be able to help.


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.
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What Is Inland Marine Insurance?

What Is Inland Marine Insurance?

It sounds contradictory, but it’s a very helpful form of insurance.

Here’s what inland marine insurance is and why you need it.


As you may recall from our “History of Insurance” video, marine insurance was the first type of insurance available.

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.

Thus, inland marine insurance was born.
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Listen to HLI on the Ridiculously Amazing Insurance Agent Podcast

Harry Levine Insurance On the Ridiculously Amazing Insurance Agent Podcast

Kelly Donohue-Piro of the Ridiculously Amazing Insurance Agent Podcast

We recently had the honor and pleasure of appearing on The Ridiculously Amazing Insurance Agent Podcast with Kelly Donohue-Piro and wanted to express our gratitude for the (ridiculously amazing) opportunity.

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.

Jason and Julie Levine of Harry Levine Insurance

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!

Understanding Your Certificate of Insurance

Understanding Your Certificate of Insurance

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.

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Sinkhole coverage vs. catastrophic ground collapse

Sinkhole Coverage vs. Catastrophic Ground Collapse

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.

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Why are Home Insurance Quotes So Different?

Why Are Home Insurance Quotes So Different?

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!
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Whole vs. Term Life Insurance

Whole vs. Term Life Insurance

You know you need insurance, but which kind do you choose?

Knowing the key differences between whole vs. term life insurance can help you decide.


If your insurance agent hasn’t talked to you about life insurance yet, they should have!

Having a life insurance policy is one of the best ways to provide for your dependents after you’re gone, yet a surprising amount of people don’t have this vital level of protection.

If you’ve looked into life insurance recently, you may have been a bit overwhelmed. “Whole life insurance? Term life insurance? What do these terms even mean?!”

We get it: life insurance can be confusing. But that’s why we’re here! Let’s take a closer look at each type of life insurance to better understand the differences between them.
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