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What Is a Wind Mitigation Inspection?

What is a Wind Mitigation Inspection?

Posted on February 24, 2020 by Jason Levine in Homeowners Insurance, Inspections, Personal Lines with 19 comments

Wind mitigation inspections do more than give Florida homeowners peace of mind.

Find out how a quick wind mitigation inspection can help lower your insurance premiums.

Floridians are well-versed at protecting our homes from hurricane-related wind damage. We secure doors and windows, fill up sand bags, and clear our yards of loose debris.

But most people forget about the biggest area of protection for their home: the roof.

Your realtor or home inspector might have recommended that you get a wind inspection, but what is it? And—more importantly—why is it so important?
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Farmers vs. Travelers

Farmers vs. Travelers

Posted on February 18, 2020 by Jason Levine in Coverages with No comments

Both Farmers Insurance Group and The Travelers Companies are impressive Fortune 500 companies with huge assets, market caps, and tons of employees.

In fact, Farmers employs about 12,700 employees with about 48,000 exclusive and independent agents, ranking in the top 300 companies on the Fortune 500. Travelers is 106th company on the 500 with 30,400 employees, and bragging rights as the second-largest writer of U.S. commercial property casualty insurance. Those are just some of the facts.

Now, let’s line them up, side-by-side:
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Auto Insurance Explained

The 5 Things You Need to Know About Car Insurance

Posted on February 13, 2020 by Jason Levine in Auto Insurance, Auto Insurance with No comments

Unless you’ve been living under a rock, you’ve seen a commercial (or, more likely, 3,000) for car insurance.

Auto insurance ads might be an okay way to entertain yourself during a break from the Superbowl, but they won’t help you understand anything about your insurance policies. In this video, I’ll go over 5 car insurance facts you actually need to know.
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What Is a BOP?

What Is a BOP (Business Owner’s Policy)?

Posted on February 13, 2020 by Jason Levine in Commercial Insurance, Commercial Insurance, Coverages, General Liability Insurance with No comments

Those “in the know” know that a business owner’s policy (BOP) can be one of the most efficient ways to kick off their commercial insurance coverage.

But exactly what is a BOP? In this article, we’ll discuss what a BOP policy covers, why you want one, and who can benefit from it.

When it comes to your business, you don’t want to miss a single detail. You purchased the right furniture and equipment, leased the perfect location, and hired the right employees. When something goes wrong, you’re on top of it.

But how much thought have you put into your business insurance?

The right level of insurance coverage is crucial to making sure that your doors stay open for years to come. And for some business, that starts with a BOP.

 

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Do Red Cars Cost More to Insure? (10 Car Insurance Myths Debunked!)

Do Red Cars Cost More to Insure? (10 Car Insurance Myths Debunked!)

Posted on February 4, 2020 by Jason Levine in Auto Insurance, Auto Insurance, Car Insurance, Car Insurance with No comments

There are a lot of myths and misinformation surrounding car insurance.

Allow us to debunk the biggest car insurance myths, especially the most common: Do red cars cost more to insure? 

If you’re licensed to drive in the State of Florida, you’ve probably had some questions about your car insurance.

“Do I have enough coverage? What does “No-fault” insurance mean? Do red cars cost more to insure? What happens if my brother-in-law wrecks my car?”

We understand the confusion. There are a lot of myths, lies, and misinformation swirling around about an already baffling subject. But at Harry Levine Insurance, we believe that knowledge is power, so we collected (and debunked) the top 10 car insurance myths so you could be sufficiently informed.
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Sinkhole coverage vs. catastrophic ground collapse

Sinkhole Coverage vs. Catastrophic Ground Collapse

Posted on January 14, 2020 by Jason Levine in Homeowners Insurance with No comments

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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11 Myths About Florida Workers Comp Insurance (That You Probably Believe)

11 Myths About Florida Workers’ Compensation Insurance (That You Probably Believe)

Posted on January 9, 2020 by Jason Levine in Workers Compensation with Comments Disabled

You’ve heard of workers’ compensation. You may even have had employees who needed it when they were injured at work. But there are also many myths and misinformation about Florida workers’ compensation insurance that you might believe.

Misinformation that could be preventing you from getting the best coverage.

As a Florida insurance agency, our goal is for all of our clients to have the right amount of workers’ compensation coverage for their property, person, and business. And—whether you work for or own a small business—you need to know the truth about Florida workers’ compensation insurance.
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Builder's Risk Insurance for New Construction in Horizon West, FL

Builder’s Risk Insurance for New Construction in Horizon West, FL

Posted on January 3, 2020 by Jason Levine in Commercial Insurance, Commercial Insurance, Coverages, Homeowners Insurance, Homeowners Insurance, Inland Marine with No comments

Nestled between Clermont, Winter Garden, and Windermere lies the burgeoning neighborhood of Horizon West, Florida. With easy access to both Disney World and downtown Orlando, it’s easy to see why Horizon West could make 34787 the next “it” zip code.

Local builders seem to think so. Construction is underway for dozens of subdivisions in the area. And one thing that no new construction project should be without is adequate builder’s risk insurance.

Just because new construction homes aren’t occupied doesn’t mean they aren’t full of risk. Here’s everything you need to know when purchasing builder’s risk insurance.
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The Types of Handyman Insurance Every Pro Needs

The Types of Handyman Insurance Every Pro Needs

Posted on December 30, 2019 by Jason Levine in Commercial Insurance, Commercial Insurance, Coverages, Employment Practices Liability Insurance, General Liability Insurance, Workers Compensation with No comments

As a handyman, you know how important it is to have the right tools for the job: a selection of screwdrivers and drill bits, a sturdy ladder, a good pair of work gloves….

But there’s one more important thing you need that you can’t find in a hardware store: the right handyman insurance.

While there aren’t any policies specifically labeled “handyman insurance,” there are certain types of coverage that no handyman should be without. In this article, we’ll talk about the different types of insurance you need as a handyman as well as how to use your coverage to increase your clients’ trust.
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5 Common Restaurant Insurance Claims

5 Common Restaurant Insurance Claims

Posted on December 17, 2019 by Jason Levine in Commercial Insurance, Commercial Insurance, Coverages with No comments

When it comes to property claims made by restaurants, it isn’t a matter of if a claim will be filed, it’s a matter of when.

Research has shown that around 40% of small business owners in America will file a claim within the first decade of operating. And restaurants make up a huge chunk of this, owing largely to a higher risk of occupational hazards and damages.

Anyone working within the restaurant industry needs to be fully aware of the most common restaurant insurance claims, so you can make sure you’re adequately protected.
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