As the summer season comes to a close, you may be tempted to cancel your insurance policies on your summer toys like motorcycles, RVs, boats, and ATVs. However, it’s important to consider the potential risks and expenses that could arise during the off-season. While you may not be actively using these vehicles, they can still be vulnerable to damage, theft, or accidents that would require an insurance claim. Here are some reasons why it’s advisable to keep your insurance policies in effect even when your toys are parked: Comprehensive Insurance Claims: Even when your vehicles are securely sto ..read more

When you rent a moving truck, one of the common dilemmas is whether to purchase insurance from the rental company. However, the need for insurance depends on various factors, including the type of vehicle you rent and your existing insurance coverage. Let’s explore this topic further to help you make an informed decision. Most rental car companies offer collision and comprehensive coverage, which is aimed at protecting the rented vehicle. In many cases, if you have a personal auto policy, it may already cover the usage of a temporary replacement vehicle, typically up to 12,000 gross vehicle w ..read more

Technology has made significant strides in the past five years, offering homeowners the ability to control and monitor various aspects of their homes through mobile devices and Wi-Fi-enabled routers. By incorporating do-it-yourself tech items into your home, you can mitigate the risk of insurance claims related to burglary, water damage, fire, and freezing damage. Consider these innovative options: Smart Thermostats: In addition to reducing energy consumption, smart thermostats allow you to monitor your home’s temperature even when you’re away. This feature is particularly useful in preventin ..read more

Summer is the perfect time to embark on a well-deserved vacation, but it’s crucial to take precautions to protect your home while you’re away. By implementing simple measures and adopting preventive strategies, you can deter potential thieves and ensure the safety of your property. When it comes to safeguarding your home during vacation, there are several important factors to consider. Let’s delve into these points to help you keep your home secure from burglary while you enjoy your time off: Social Media Awareness: One common mistake people make is sharing their vacation plans on social medi ..read more

With an increase in wildfires over the last few years, some insurance carriers around the country have needed to make adjustments to home insurance policies. Here are two common scenarios we are seeing: Depending on the state you live in, there is limited or no home insurance coverage for homes located in high-risk areas. An increase in home insurance costs across the board for all home insurance policy holders throughout the United States. When insurance carriers see a spike in insurance claims, they will raise their premiums regardless if you live in a high-risk area or not. This is a big ..read more

One of the most contentious and confusing topics for buyers, sellers, and homeowners in Florida right now is insurance. The lack of options for private carriers, new flood insurance requirements from Citizens, and fear of being dropped have everyone on edge, and for good reason. To help make everything more digestible and give you the information you need to make an informed decision—whether you’re a buyer, seller, or homeowner—we’ve enlisted the help of a trusted expert to give us a breakdown on all things insurance. Lindsey Decollibus-O’Donnell, Director of Business Development at Flori ..read more

It is that time of year when we like to remind you of the importance of wildfire prevention. Preventing a wildfire requires a collective effort and best practices need to be utilized to lower our risk. Did you know the majority of wildfires are caused by humans? According to Wildland Fire Management Information, humans cause 85% of wildland fires. That is an alarming number. If we could educate everyone in the United States on how to prevent fires, we could see a major improvement. Most common scenarios where human fires start: Campfires left unattended Burning debris Equipment use or malfun ..read more

Golf carts aren’t just used for the golf course. Many people use as an easy transportation around their neighborhood. Depending what state you live in, insurance for your golf cart is either required or optional. Golf cart insurance is going to provide you with the best coverage versus simply relying on your home insurance policy for coverage. Home insurance can also deny coverage if you get into an accident or injure someone away from your property. What protection does golf cart insurance provide you? Similar to car insurance, golf cart insurance can provide you with a wide variety of prote ..read more

When a person thinks about car theft, there are a few scenarios to imagine such as personal property items stolen out of your vehicle, car parts stolen from your vehicle, or your car was physically stolen and couldn’t be recovered. So, the question is, are you covered if you experience any of the following theft scenarios? The answer varies based on what type of auto insurance coverage you purchased. Comprehensive coverage on your auto insurance policy typically provides coverage if your car was stolen (and was never recovered) or if you had car parts stolen out of your vehicle. If you do not ..read more

Inflation Continues to Impact Insurance Policy Premiums in 2023 We all feel the impact of inflation. Whether it is at the gas station, grocery store and your insurance policies at renewal. Unfortunately, the insurance industry continues to be impacted as insurance carriers are forced to adjust their risk based on inflation and claims. We know it is frustrating to see your premiums increase even though you may not have experienced any activity such as an insurance claim. Inflation is the main reason insurance premium rates continue to increase across the country. Another strike against policyho ..read more