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! 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 →
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 →
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! Read more →
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. Read more →
You come home from work one day to find that a leak under your sink has sprayed water all over the floor. Panicking, you shut off the water main and call the first plumber that pops up on Angie’s List. He fixes the leak and recommends a company to take care of all the water damage.
You’re satisfied with their work, so you take the referral and call the remediation company. But when they show up, that’s when the problem starts.
They present you with an Assignment of Benefits form and say that they won’t start work until you sign it. Read more →
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 of risk means less claims to pay out on. So it should come as no surprise that many insurance carriers are beginning to offer smart home insurance discounts if these devices are installed in your home. Read more →
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, beautiful sandy beaches, and countless things to do, who can blame them?
But if you’re planning on joining us in this wonderful state, you’ll need to know more than what hours Disney is open. Here are some of the things you need to know about Florida insurance laws.
Keep reading our guide so that you’re prepared for your big move. Read more →