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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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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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What Is a Wind Mitigation Inspection?

What is a Wind Mitigation Inspection?

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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Sinkhole coverage vs. catastrophic ground collapse

Sinkhole Coverage vs. Catastrophic Ground Collapse

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

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

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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What is an Assignment of Benefits Agreement? (And why shouldn't you sign one?)

What is an Assignment of Benefits Agreement?

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.
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Smart Home Insurance Discounts

Smart Home Insurance Discounts

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.
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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, 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.
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10 home maintenance tips to reduce claims and home insurance rates

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 deal with a middle-of-the-night emergency. When your home performs the way it should, you not only live better, you can breathe easier. And so can your insurance company when they consider how much of your risk they are taking on.

More claims lead to higher home insurance rates, so proper home maintenance is one way to keep your premiums down.
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