Trampolines are fun for all ages. But there are a few things you should know before you bring this risk into your yard.   Trampolines are fun, but they do come with a certain level of risk. (Just take a close look at the warning label if you don’t believe us.) Trampolines send approximately 100,000 people to the emergency room each year. You may be prepared to take on that risk…but is your insurance company? Before you and your family drop hundreds of dollars on your new toy, you should look into the relationship between trampolines and home insurance. In this article, we’ll guide you tow ..read more

It seems like it would be obvious, but no-fault insurance isn’t as simple as it sounds… Florida, like a handful of other states, is a no-fault state when it comes to car accidents and insurance. While it might sound obvious, many drivers are actually confused about what the no-fault law is and how it pertains to your car insurance. No fault insurance does not refer to neither driver being at fault in an accident. Rather, it means all drivers must have at least $10,000 of Personal Injury Protection (PIP) as part of their car insurance policy, and that is what they’d use first to cover medical e ..read more

Confused about why small businesses don’t with small premiums? Why is business insurance so expensive? Allow us to untangle it for you.   There are few things more exciting than a new business. Picking your company name, designing a logo, signing a lease, hiring your first employee, selling your first widget…you’re ready to hustle, baby! Something that’s probably not so exciting? The commercial insurance quote. “Wait a minute,” you say. “I have a small business. Why is business insurance so expensive?” There are actually a LOT of different ways to answer that question! In t ..read more

There’s a lot of misinformation surrounding life insurance. We want to set the record straight. Allow us to debunk 10 common life insurance myths so you can make an educated decision about your insurance needs.   Nobody likes to think about their own mortality, which is probably why no one likes to think about life insurance. Which is unfortunate, because life insurance is one of the most useful policies you can buy. Think about it: you hope you never have to file a claim on your home or auto insurance, but there will come a time when that life insurance policy pays out. Doesn’t it m ..read more

Whether you’re a plumber, electrician, welder, or general contractor, you know you need adequate business insurance coverage to protect you against the many potential hazards on a jobsite. But are you aware that your needs are slightly different when working as a contractor vs. subcontractor? To a layperson, these terms might be interchangeable, but when you understand the differences between them, your insurance needs will make a lot more sense. Let’s dive into the distinctions between contractors and subcontractors, explore their unique insurance needs, and provide guidance on how to choose ..read more

Protecting your business should be your top priority as a restaurant owner. But how much does restaurant insurance cost?   Owning and running a restaurant can be an exciting venture. From developing a menu to choosing your tableware, restaurant owners have a lot of decisions to make. And one of the most important decisions you can make is choosing restaurant insurance. It might not be glamorous, but restaurant business insurance deserves top priority when setting your budget, as there are countless risks and obstacles that face restaurant owners. How much does restaurant insurance cost an ..read more

You know you need insurance, but which kind do you choose? Knowing the key differences between whole life vs term insurance can help you decide.   If your insurance agent hasn’t talked to you about life insurance yet, they should! Having life insurance coverage is one of the best ways to protect your family against financial hardship after you’re gone, yet a surprising amount of people don’t have this vital policy. If you’ve looked into life insurance recently, you may have been a bit overwhelmed. “Whole life insurance? Term life insurance? Why are there so many types of life insurance ..read more

Were you dropped by Castle Key Indemnity? Here’s how to find coverage.   Earlier this year, Castle Key announced that it would not be renewing 33,000 condominium policies throughout Florida. Until now, Castle Key was a popular choice for Florida condo owners, so this news may have come as a surprise. And ultimately, what does it mean for you? While it’s easy to feel panicked by closing insurance companies and non-renewal notices, we at Harry Levine Insurance have answers.   What’s Happening With Castle Key? Formerly known as Allstate Floridian, Castle Key has been one of the top insu ..read more

Florida Senate Bill 2-A is in effect. What does that mean for Citizens policyholders?   On December 16, 2022, Florida Senate Bill 2-A was passed, sparking sweeping changes for the insurance industry. While most of these changes will affect all homeowners, insurance carriers, and even some attorneys in the state, other changes are specific to Citizens Property Insurance Corporation. We routinely urge homeowners to avoid purchasing policies from Citizens if possible, but we also understand that it’s called “Florida’s insurer of last resort” for a reason—some people either cannot find or aff ..read more

Make sure you protect your ride. Here’s how to find the best motorcycle insurance.   Whether you’re new to the #bikelife or you’ve been wearing leathers for years, your bike means a lot to you. That’s why it’s so important to keep it protected. As with any vehicle, “protection” doesn’t just apply to regular maintenance. Having the right motorcycle insurance coverage is crucial to keeping yourself and others protected on the road. Which leads you to the question, “Where do I find the best motorcycle insurance for me?” In this article, we’ll give you the information you need to make decisio ..read more