Today’s tech doesn’t just make our lives easier, it protects our homes and makes them more energy efficient. Who doesn’t love that? Your insurance company loves it, too. Having an extra layer of protection against theft, damage, and other forms …
Your Quick Guide to Florida Insurance Laws
Settling down in the Sunshine State? Florida remains one of the most popular states in the country, with roughly 900 people moving to the state every day. That’s 330,605 new residents each year! And frankly, with year-round sunshine, warm temperatures, …
First-Party vs. Third-Party Cyber Risk Insurance
Business owners who forego cyber risk insurance usually cite the cost as a deterring factor. But with the average cost of a cybercrime at $200,000 (and this is a conservative estimate!), you can’t afford not to have it. That amount …
Understanding Your Insurance Score
You probably already know your credit score, but did you know that you also have an insurance score? If not, you’re not alone. Most people go their whole lives without knowing that their insurance score even exists, much less what …
10 Tips to Reduce Claims and Home Insurance Rates
There are a lot of factors that help determine your home insurance rates, but none are so easy to control as proper home maintenance. Taking care of your home prevents wear and tear, damage, and the stress of having to …
Letter from V.P. Jason Levine [October 4, 2019]
Dear Valued Clients, I am writing you today because your insurance is currently with Florida Specialty Insurance Company. Even if you’d already left Florida Specialty, there is some important information to share. We’ve been trying to provide updates and communicate …
How Long Does a Roof Last?: Age of Roof and Insurance
Your home does a lot for you: it keeps you warm and dry, it keeps you safe, and it keeps all your things in one place. Aside from the odd repair or two, it’s holding up and doing its job …
Should I File For a Workers’ Comp Exemption?
Workers’ compensation insurance is a crucial—and often mandatory—part of owning a business in Florida. But if you’ve owned a business for some time (or spent enough time around insurance agents), you might have heard of some business owners filing for …
Actual Cash Value vs. Replacement Cost
If you’re like most people, you don’t examine your insurance documents until you need to make a claim. And that’s when you’ll notice it. Your insurance company isn’t paying you enough to replace your totaled car, stating that your policy …
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 …