Search
Close this search box.

Can I Extend Liability on My Home Insurance to My Vacant Land?

Actually, liability is extended to vacant property automatically. However, and this is very important, what we consider vacant land is probably not what the insurance industry understands as “vacant”. According to the ISO (Insurance Service Office), the advisory organization that provides standardization in the insurance industry, vacant land is considered to be a property with […]

Will the Insurance Company Pay for Replacing My Aging Roof?

Unfortunately, there would not be coverage from your insurance company unless they had proof that the damage was caused by a recent, direct, sudden, and accidental loss (e.g. hurricane damage, tornado, hail damage, tree falling on the roof due to heavy winds, etc.). Insurance policies are not intended to be maintenance policies. You wouldn’t be […]

What If My Roof Is Older? Is It Harder To Insure

Unfortunately, due to a lot of insurance fraud, companies are very strict on roof age and condition, and it is getting very difficult to insure older roofs no matter what condition they are in. People with shingle roofs over 12 years old may find it difficult to shop insurance because options are getting limited. A […]

Should I Tell My Agent If I Get a New Roof?

Absolutely! In Florida, one of the most important features for insurance rating is the age of the roof. In fact, some companies will not even rate a roof older than 12 to 15 years old, so if you have an older roof, you may have fewer options. It makes sense that a new roof will […]

Can I Get Sinkhole Coverage in Florida?

Good question and the answer is maybe, but probably not. Unfortunately, in the mid-2000s, the insurance industry had a crisis on their hands that caused some companies to leave Florida, or worse, became insolvent. There were some attorneys and public adjusters that started to “test” the language of the insurance policy which stated that a […]

Can I Extend My Uninsured Motorist To My Recreational Vehicles?

If you are purchasing a motorcycle or ATV insurance policy, you may notice that bodily injury and property damage are very inexpensive. However, medical payment coverage and uninsured motorist coverage are quite “pricey”. The reason is that bodily injury and property damage liability covers damage to others and other people’s property. The uninsured motorist and […]

Should I Sell It, Or Insure It?

Auto Insurance – Is it worth insuring a rarely used vehicle? The quick answer is “Yes”.  If you have a vehicle that is registered and tagged for road use, it has to be insured or you may pay hefty fines by the state you live in.  We have a lot of customers that have said […]

Can I get Sinkhole Coverage in Florida?

Good question and the answer is…maybe…but probably not.  Unfortunately, in the mid 2000’s, the insurance industry had a crisis on their hand that caused some companies to leave Florida, or worse, became insolvent.  There were some attorneys and public adjusters that started to “test” the language of the insurance policy which stated that sinkhole was […]

What is a Reciprocal Insurance Exchange Company?

Recently one of our Partner Companies, Tower Hill Insurance Group, started a new insurance company called Tower Hill Insurance Exchange.  The plan is to transition their current customers from Tower Hill Signature and Tower Hill Preferred to this new company. Why? There are three main reasons that they are doing this: The Florida Property Insurance […]

Know Your Options Before You Get Behind the Wheel of a Rental Car

Whether you’re hitting the road for a weekend getaway or renting a car from the airport, knowing all your insurance options before you get to the car rental counter is wise. So what are the basics? Here is an overview to help you the next time you rent a car. Understand what your car rental company […]