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Owner-occupied vs Tenant-occupied Homeowner’s Insurance

Posted: April 5, 2023

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...

New bill passed…. Is relief coming for Florida Homeowners Insurance?

Posted: July 11, 2022

Florida’s doing something about property insurance in their state. In an attempt to consider legislation that affects reinsurance, property insurance, civil remedies, appropriations, and changes to the Florida building code that will improve the affordability of property insurance, a special legislative session was called. As a result of the session, bills were signed (Read More) by Governor DeSantis on May 26, 2022. Here is a...

Rising Home Insurance Rates in Florida

Posted: March 15, 2022

Home insurance is something all homeowners need but in Florida, they wish they could go without. Unfortunately, Florida’s homeowners' insurance rates continue to increase for a number of reasons. In fact, Citizens Property Insurance Corp., the state-run home insurer approved two rate increases. The first, is an average 11% rate increase this year, followed by a 12% rate increase occurring in 2023. Is it surprising?...

Don't Cheat On Home Insurance

Posted: October 6, 2021

Did you know that more than half of the homes in the United States are uninsured? When you are covered with the right home insurance, you can feel confident knowing your property is fully protected if a disaster occurs. The responsibility of insuring your personal property lies with YOU. It doesn’t matter the type of home, you must have insurance to protect your assets. Living...

Hurricane Season is Here. Do You Have the Right Insurance?

Posted: June 9, 2021

Hurricane season started just days ago in Florida and runs for the next five months. According to a recent article published in the Miami Herald, weather forecasters predict between 13 and 20 named hurricanes with three to five of those being Category 3 or higher. Floridians understand that experiencing a hurricane is not a matter of if, but when. If you have let your hurricane insurance...