All posts in Homeowners Insurance

Does Homeowners Insurance Cover Theft Outside the Home?

When and where does your homeowners policy protect you?

Does homeowners insurance cover theft outside the home?


You’re probably already aware that your homeowners policy protects against theft—whether it’s a burglar who makes off with your new PlayStation or a contractor who slips a stack of cash into his pocket when you’re not looking.

But are you protected if someone steals your laptop at Starbucks while you’re picking up your latte?

While standard home insurance policies are designed to cover your personal belongings, those belongings don’t always stay within the walls of your home. You take them with you to work, when you travel, you even let your children take them off to college.

Does homeowners insurance cover theft outside the home?

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What Is Coverage F?: MedPay vs. Personal Liability

What Is Coverage F?: MedPay vs. Personal Liability

Insurance can be confusing, but it doesn’t have to be.

Learn more about Coverage F and why it’s an important part of your home insurance.


People sometimes talk about home insurance as if it were a single type of coverage, but there are actually multiple types of coverage that make up your home insurance policy.

  • Coverage A: Dwelling
  • Coverage B: Other Structures
  • Coverage C: Personal Property
  • Coverage D: Loss of Use
  • Coverage E: Personal Liability
  • Coverage F: Medical Payments to Others

While most of these are pretty self-explanatory, the last two tend to cause some confusion. Aren’t med pay and personal liability the same thing?

Yes, there is a bit of overlap but these are actually very different forms of coverage.
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What Is Loss of Use Coverage?

What Is Loss of Use Coverage?

Disasters cost more than you think.

Luckily, loss of use coverage can help.


You were trying to follow a recipe for homemade French fries when all hell broke loose. The resulting grease fire took out most of your home.

Luckily, you have homeowners insurance to cover the damage. But now there are some additional expenses that you hadn’t even considered—a hotel bill, takeout dinners, laundry service—how are you going to pay for those?

Enter: Loss of use coverage.
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Types of Home Insurance Policies Explained

All you want is insurance…why is it so hard to choose?

Let’s go over the different types of home insurance policies to help narrow down your options.


Purchasing insurance can be one of the most difficult decisions to make as a homeowner.

From analyzing your budget to deciphering your Declarations page (what does all that jargon mean?!), you might be tempted to pick the cheapest policy and call it a day.

Not so fast!

In this article, we’ll go over the eight different types of home insurance and how to find the right policy for you.
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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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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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4 Reasons Your Home Insurance Premiums Increased

4 Reasons Why Your Home Insurance Premiums Increased

You haven’t filed a home insurance claim in years…so why do your rates keep going up?

Here are four reasons why your home insurance premiums increased (that have nothing to do with your claims history).


Like most Florida homeowners, you probably noticed that your home insurance premiums increased over last year, even though you didn’t file a single claim. What’s up with that?

If you’ve always assumed that increased premiums are caused by increased claims, you’re right. But that’s only part of the story.

There are several reasons why your home insurance premiums increased recently (and why it’s likely they will next year, too) that have nothing to do with how many claims you filed.

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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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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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