It’s one of my favorite things to talk about. So much so that I’ve even been a longtime teacher of Project Invest. That’s a program where we go into local high schools in our immediate office area and actually teach students about auto insurance because it’s perhaps the one line of coverage that there is no doubt they are certainly going to deal with at some point in their adult lives.
So let’s get started!
I want to run through a couple of bullet points that bring you an introduction to an auto insurance policy and what you need to understand.
Your professional insurance needs go way beyond property damage.
Protect your clients, your reputation, and your livelihood with these five professional insurance policies.
Most business owners understand the risk fire poses for a restaurant, or the consequences of a hurricane flooding a retail store. But many people don’t stop to think about the intangible risks that threaten professional services businesses like accounting firms, law firms, or marketing agencies.
Florida’s a pretty odd state in that, presently, we only require property damage and what we call PIP, or Personal Injury Protection, to be legal on the road.
It’s hardly any coverage, and if you’re in an accident, you’re likely going to wind up with a court-ordered requirement to buy a lot more insurance than that moving forward if anybody gets hurt. Or worst case, you’ll have liens and judgments or even wage garnishments that are levied against you by a court because you are underinsured or not insured at all. Read more →
The problem is, your insurance premiums depend a lot on your unique business. But since it doesn’t help to say, “It all depends; contact your agent,” we’ll give you some insight into seven different factors that have an affect on the cost of business insurance. Read more →
There’s a lot of misinformation about homeowners insurance. Let’s set the record straight.
Learn the truth behind these common home insurance myths so you can make educated decisions about your coverage.
As of April 2020, there are no laws in Florida that require you to get homeowner’s insurance. And yet, it’s one of the most important things you will ever buy.
But how much do you understand your insurance policy?
Many of our clients find the insurance industry confusing…and we can’t blame them! Between the lingo, legal jargon, and exceptions to the (many) rules, it’s no surprise that certain common home insurance myths have stuck around.
At Harry Levine Insurance, we love to help our clients better understand their insurance policies so they can make informed decisions about their coverage. In this article, we’ll dispel some of the most common home insurance myths. Read more →
There’s a lot of misinformation about business insurance. Allow us to set the record straight.
Learn the truth behind these common business insurance myths so you can set yourself up for success.
As a small business ourselves, the Harry Levine Insurance agency hates to see local businesses with the wrong insurance policies.
Whether it’s someone with unnecessary policies, too little coverage, or—worse still—no insurance at all, we can usually trace it down to one thing: misinformation.
Too many people have fallen prey to these business insurance myths for us not to address them. So we’ve gathered up the 10 most popular myths people believe about commercial insurance and debunked them, one at a time.
A lot of people don’t know the difference, nor should they, between homeowners coverage and dwelling fire insurance. The two types of policies are actually very, very similar; the principle difference is in the design. Read more →
There’s a big difference between “vacant” and “unoccupied” homes. Most homeowners don’t know the difference. But insurance carriers do.
Keep reading to see if you need vacant home insurance and why it’s so important.
Insurance companies really hate unpredictable risk.
After all, “unpredictable risk” means “unpredictable claims.” And “unpredictable claims” make naming the right price very hard. Remember, the insurance company needs to be able to pay out to you and cover its own costs!
When risk is predictable, the insurance carrier can charge you reasonable premiums and pay out on claims. But getting insurance for a vacant home makes risk a lot more unpredictable. Read more →
First and foremost, please accept well-wishes from the entire Harry Levine Insurance family. I’d like to get right to the point: You have questions, and we’re fighting to make sure we have answers. Please see the FAQ below, and know that you can call us anytime with any questions. We’re working remotely, but our ENTIRE team is here for you. We have amended business hours to 9:30am – 4:30pm, Monday through Friday to help our team fulfill their childcare and other personal responsibilities as they work form home. We currently intend to resume our normal operations on Monday, March 30th only if it is safe to do so.
If you are open for business, let us know and we can spread the word via our social media sites! We are here to support you any way that we can. Be sure to follow us on Facebook.