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Florida Insurance Team

Insurance Agency vs. Insurance Company

An insurance agency and an insurance company serve distinct roles in the insurance market. The main difference between an insurance agency and an insurance company is that the company underwrites policies and pays claims, while the agency sells policies on behalf of the company: — Responsibility:…
Nov 4

Rental car insurance Protect yourself while renting—without wasting money

If you're renting a car, check your own coverages first — "Before you enter an agreement with any type of rental service, maximize use of the insurance you're already paying for and avoid paying for duplicate insurance. — If you own or lease a car and/or have homeowners insurance, call your insurer…
Sep 10

What do you do if your car, truck or SUV were flooded?

Comprehensive coverage for vehicles includes not only flooding but also trees falling on the car, hail, fire, theft, vandalism and cracked windshields, according to Mark Friedlander, spokesperson for the Insurance Information Institute. This type of coverage must be carried by drivers with an auto…
Aug 5

Florida Rain Driving Tips

"Florida is not only ranked the 3rd most dangerous state to drive in, but is in the top 5 rainiest states in the U.S. According to the Federal Highway Administration, 10% of all car accidents are caused by rain. Knowing how to drive in the Florida rain is essential if you’re going to live or…
Jul 23

Why the Average Car Insurance Price Is Rising—and What You Can Do About It, Pt.1

If you're wondering why your car insurance costs a lot, it might be because your rates have gone up. While you can control some factors affecting your rates, there are also reasons beyond your control that can cause them to increase (the same applies to factors that can lower your rates). — As of…
Jul 2

Hurricane Season Prep List

Hurricane season is right around the corner. Make sure you are prepared to best protect you and your property. — Cover all of your windows, either with hurricane shutters or wood. — Although tape can prevent glass from shattering everywhere, be warned that tape does not prevent the window from…
Jun 10

Hurricane Season Is Around The Corner...

"NOAA National Weather Service forecasters at the Climate Prediction Center predict above-normal hurricane activity in the Atlantic basin this year. NOAA’s outlook for the 2024 Atlantic hurricane season, which spans from June 1 to November 30, predicts an 85% chance of an above-normal season, a 10%…
May 31

Flood Insurance: What Every Homeowner Should Know

The financial impact of a flood can be devastating without flood insurance, but what does flood insurance cover, and which type of homeowner needs it most? With these questions in mind, we've compiled a list of what every homeowner should know to understand the ins and outs of flood insurance…
May 5

Manufactured Homes in Florida

The sunshine state certainly has its share of mobile or manufactured homes. In fact, over 11% of all homes in Florida are a manufactured home, which is about 850,000 homes. — Many of these home are uninsured or improperly insured, which could cost the homeowner thousands if a loss should occur. —…
May 1

Highway Driving Safety Tips to Keep You Safe on the Road

Highways are unavoidable - they help us get where we need to go, and quickly. However, without practicing proper highway driving safety, you could find yourself in an accident. — While driving on the highway, you're not the only one you have to worry about - there are also other drivers that you…
Mar 2