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10 Common Home Insurance Myths Debunked

10 Common Home Insurance Myths Debunked!

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.
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10 Business Insurance Myths Debunked!

10 Business Insurance Myths Debunked

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.

 

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Dwelling Insurance Explained

What is Dwelling Insurance?

Welcome back to Harry Levine Insurance on YouTube. I’m Jason Levine and I’m here to talk to you today about dwelling fire insurance.

 

What is Dwelling Insurance?

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.
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The Importance of Vacant Home Insurance

The Importance of Vacant Home Insurance

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.
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Business Interruption Insurance and Covid-19

To Our Fellow Business Owners,

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.

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What is a Hard Insurance Market (& What Can You Do About It)?

What Is a Hard Insurance Market (& What Can You Do About It)?

Have you started seeing higher insurance premiums with less coverage?

A hard insurance market is likely to blame. (And the bad news? It’s just getting started.)

From a layperson’s point of view, your insurance policy can appear pretty nebulous. An underwriter puts your data into a computer, calculates a few algorithms, gazes into a crystal ball, reads some tea leaves, writes down the last number they dreamed about, and that’s your premium amount.

Wait…is that not how it works?
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Coronavirus Update: Working Remote

Despite these extreme times Harry Levine Insurance encourages you to keep calm and carry on!

We have decided to fully close our offices until at least March 30th per U.S. Federal Government guidance.

OUR ENTIRE TEAM IS WORKING REMOTELY AND IS READY TO HELP YOU BETWEEN 9:30am – 4:30pm. Phones will be unattended for lunch from 12- 1pm.

Latest Articles On The Coronavirus


3/20/20 — Business Interruption Insurance and Covid-19/

10 Life Insurance Myths (Debunked!)

There’s a lot of misinformation surrounding life insurance. We want to set the record straight.

Let Harry Levine Insurance debunk 10 common life insurance myths so you can make an educated decision about your insurance needs.

Nobody likes to think about their own mortality, which is probably why no one likes to think about life insurance.

Which is unfortunate, because life insurance is one of the most useful policies you can buy.

Think about it: you hope you never have to file a claim on your home or auto insurance, but there will come a time when that life insurance policy pays out. Doesn’t it make sense to understand life insurance a little bit more?
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Farmers vs. Auto-Owners

Farmers vs. Auto-Owners

Welcome back to another insurance mega-company showdown! This time, we’re taking a closer look at Farmers and Auto-Owners, two of the largest insurance providers in the country.

Both corporations had humble beginnings, Vern Moulton and four associates founded Auto-Owners in Lansing, Michigan (with one policyholder and under $200 in premiums) just 14 years before John C. Tyler and Thomas E. Leavey put up their own money and literally traveled farm to farm, offering their first policies. Through the Great Depression, the insurance industry served as a beacon to commerce and personal security, leading both companies to a strength in personal lines and business insurance offerings. 

Aligned closely through history, here are some additional metrics to explore the differences in what each corporation brings to the table for their customers:
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5 Things You Need to Know About Home Insurance

Whether you’re a first-time homebuyer or you’ve owned your home for 50 years, you might still have a lot of questions about home insurance. Hey, I get it! Insurance can be confusing and overwhelming.

But, if you own a home, you should understand your home insurance coverage. In this video, I’ll go over 5 things you need to know about home insurance to bring you one step closer to total insurance mastery!
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