1. Does a homeowners’ insurance policy cover vandalism to my property? Generally, a homeowners’ insurance policy will cover vandalism to a home; however, the damage would need to be significant to rise to the level of filing an insurance claim. The homeowner must pay out of pocket for the amount of the deductible — the insurance […]
Tips for protecting your home and assets while it’s on the market. You’ve dusted every nook and cranny, pulled rogue weeds from the garden bed and strategically placed cut flowers in every room of the house. However, if you feel a bit unsettled when you close the door and leave for a showing of your […]
If you work from home, your computer, monitors and other office electronics might not be covered by your standard homeowners policy. Today’s home offices far surpass their predecessors. No longer simply furnished with desks, file cabinets and sticky notes, modern home offices often serve as extensions of a jobsite workspace, complete with expensive computers, monitors, scanners and […]
Standard home insurance doesn’t handle these situations, so be sure to upgrade your policy. If you’re like many homeowners, you bought your home insurance policy, got standard coverage and haven’t given it another thought. Unfortunately, that type of thinking could lead to gaps in your coverage. A standard homeowners policy offers coverage for a wide variety of […]
What’s the Life Expectancy of a Water Heater? Florida seems like its always hot out, but we cant live without our hot water. Second only to air conditioning, water heating is the second highest user of electricity in a Florida home. Accounting for as much as 18% of utility bills. And while it may seem as […]
How Do I Insure My Business? Last Updated August 2017 As a small business owner, protecting yourself against liability can ultimately mean the difference between success and failure. With the increasing exposures business owners face today, it is important to understand the insurance options out there and how they will cover your company. Do you […]
What is a Florida Financially Responsible Officer Surety Bond (FRO Surety Bond)? A Financially Responsible Officer Bond (FRO Bond) is a $100,000 surety bond ($50,000 for individuals who were registered prior to Feb. 1, 2007) that is required to be posted by an officer of a construction company in order to be licensed as the Financially Responsible Officer for the […]
How much will my new teen driver cost me? Your teen is about to start driving and they will be on your policy. How much more is your policy going to cost? Well an insurance study found that adding a teenager increased annual premiums substantially. However the magnitude of the increase has been falling over […]
Introduction to Disability Insurance for Physicians As a physician or dentist, it is critical that you insure the possibility of becoming disabled with the right insurance policy. According to the AMA’s Annual Physician Financial Preparedness Survey, approximately 70% of physicians purchase an individual disability insurance plan. However the products available and process to do so can […]
