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Tag: Home Insurance

Protect Your Home and Your Wallet: Roofing Considerations for Lower Insurance Costs in Florida

As a homeowner in Florida, it's essential to be aware of the factors that can impact your insurance rates. One crucial aspect that insurance carriers often take into account is the age of your roof. Did you know that most carriers have a guideline of 15 years or less for maximum roof age, regardless of the material used? If your roof is older than that,...

Be Ready for Hurricane Season

Hurricane season will soon be upon us, and while we can’t control Mother Nature, we can control our preparedness. Hurricanes can cause significant damage to homes, businesses, and entire communities, so it’s important to take the necessary steps to protect ourselves and our property. One of the first steps to take is to ensure that you have adequate insurance coverage. If you’ve let your hurricane...

Owner-occupied vs Tenant-occupied Homeowner’s Insurance

Do you ever rent out your home? Did you know there are different policies you need depending on how the property is occupied? Occupancy options are owner-occupied, tenant-occupied, or a mix of owner and tenant. The differences in owner-occupied and tenant-occupied insurance Owner-occupied: A property that is occupied 6-12 months out of the year by only the deeded owner(s), is an owner-occupied policy. This policy...

Spring Rain and Hurricanes – Are You Prepared?

Spring is here! That means the rainy season is upon us and hurricane season starts right after June 1. With FEMA having a 30-day waiting period from when the policy is paid for to when coverage is active, this is a great time to get flood coverage in motion. What is considered a flood? FEMA.gov defines a flood as; “A general and temporary condition of...

Protect Your Home During the Holidays

Ho, Ho, Help Me During the Holidays!  The holiday season is notorious for mishaps and unexpected occurrences in the form of break-ins and thefts. Whether you’re staying home to entertain family and friends or headed out for a lengthy period, your property may be at risk. The best way to ensure you have some protection in place is to make sure your homeowner's insurance policy...