What Is Coverage C: Personal Property Insurance?
Harry Levine Insurance Blog
by Jason Levine
3d ago
Insurance works best when you understand it. Let’s take a closer look at personal property insurance to better understand your policy.   When most people think of “home insurance,” they think of the coverage that protects the roof over their head and the walls that surround them. But there are a lot of other things that homeowners insurance covers. There are actually multiple types of coverage that make up a single home insurance policy: Coverage A: Dwelling Coverage B: Other Structures Coverage C: Personal Property Coverage D: Loss of Use Coverage E: Personal Liability Coverage F: Medic ..read more
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What Is Defensive Driving?
Harry Levine Insurance Blog
by Jason Levine
1M ago
It’s the key to staying safe on the road. But what is defensive driving (and can it lower your car insurance premiums)?   While most Floridians eventually learn how to drive, this doesn’t always mean they learn how to drive safely. In fact, you’ve probably seen several people on the road that should never be allowed behind the wheel! Your insurance company agrees, which is why it encourages certain policyholders to take a defensive driving course. In this article, we’ll talk about what defensive driving actually is, how these courses can benefit you, and where to find them. What Is Defen ..read more
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8 Surprising Things Car Insurance Covers
Harry Levine Insurance Blog
by Jason Levine
1M ago
How well do you know your policy? Here are 8 surprising things that car insurance covers (and four things it doesn’t).   When it comes to auto insurance coverage, most Florida drivers are aware of the basics. After all, a quick glance at your Declarations page should tell you everything you need to know about what your car insurance covers, right? While it’s true that your Dec page (or agent) can confirm which types of coverage you carry, there is a lot more to your policy than meets the eye.   What Does Car Insurance Cover? As with any type of insurance, it all depends on your polic ..read more
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10 Commercial Insurance Policies You Didn’t Know Existed
Harry Levine Insurance Blog
by Jason Levine
2M ago
It’s important to keep your livelihood protected. Here are 10 commercial insurance policies you may not have known existed.   When you’re just getting a new business venture off the ground, it’s normal to feel a little nervous. After all, this is your livelihood. How do you make sure that your business (and your paycheck) are protected? Thankfully, you have insurance. Insurance can help protect your business from a wide variety of risks: from property damage to liability lawsuits and more. But your coverage options go way beyond commercial property insurance or general liability insurance ..read more
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What Is Food Truck Insurance?
Harry Levine Insurance Blog
by Jason Levine
3M ago
Make sure your food truck business stays in gear. But what is food truck insurance and how can it help?   Owning a food truck can be a great way to get started in the restaurant business. In addition to low investment and overhead, food trucks also allow you to experiment with different locations, giving potential customers plenty of opportunities to become loyal fans. Yet even though food trucks minimize some of the financial risks of opening a restaurant, they are not completely risk-free. Thankfully, there’s food truck insurance. Let’s take a closer look at how the right insurance poli ..read more
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Types of Life Insurance
Harry Levine Insurance Blog
by Jason Levine
3M ago
Life insurance can provide financial protection for those you love most. But which types of life insurance are right for you?   Whether you’re single with no dependents, a stay-at-home parent, or the primary breadwinner, life insurance provides coverage for those you leave behind. The only problem seems to be choosing between the many life insurance options available! Let’s break down the most common types of life insurance to help you understand your options.   Do I Need Life Insurance? No one lives forever, which means that—unlike home or auto—life insurance is the one form of insu ..read more
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What Is a COI?
Harry Levine Insurance Blog
by Jason Levine
3M ago
Having a Certificate of Insurance is essential as a business owner. But what is a COI (and how do you read it)?   If you are a small business owner, you are probably aware that you need a Certificate of Insurance (COI). You might have been asked to provide one by a savvy consumer or potential landlord. Or perhaps your independent insurance agent advised that you have one. Or you may not have the slightest clue what it is. As Central Florida-based independent insurance agents, we not only know what a Certificate of Insurance is, but we’re also used to answering questions about them. Let’s ..read more
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Why Are Insurance Companies Leaving Florida?
Harry Levine Insurance Blog
by Jason Levine
3M ago
As millions of Floridians look for replacement coverage, it’s worth asking… …why are insurance companies leaving Florida?   If you’ve been paying attention to Florida’s insurance market, you’ve probably heard the term “crisis” more times than you’re comfortable with. Not only are home insurance rates increasing, homeowners are often forced to find replacement coverage. The news is filled with stories of insurance carriers who have stopped writing new policies, pulled out of the state, or even gone out of business entirely. And these aren’t “mom and pop” insurance companies, either—Farmers ..read more
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Why Is Car Insurance So Expensive?
Harry Levine Insurance Blog
by Jason Levine
4M ago
It’s been years since you’ve been in a car accident or filed a claim… …So why is car insurance so expensive?   You just received another letter from your insurance company notifying you that your car insurance costs will be increasing this year. “Why is car insurance so expensive?!” you scream in frustration. “I didn’t even have any claims!” Unfortunately for car owners, this is an common occurrence…and it doesn’t look like it will stop anytime soon. Florida is already one of the most expensive states for auto insurance—with an average car insurance rate of more than $2,300 a year—wh ..read more
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What is Dwelling Coverage?
Harry Levine Insurance Blog
by Jason Levine
4M ago
It’s important to understand your insurance. Let’s take a closer look at dwelling coverage. If you’re like most people, you probably take one look at your Declarations page and your eyes instantly glaze over. What are all these numbers and abbreviations? Is this thing even in English? And what is this “Coverage A”? The insurance industry is notorious for having indecipherable lingo, but at Harry Levine Insurance, we believe that educating you about your insurance is the best way for you to make good decisions and get great coverage. In this article, we’re going to take a deep dive into the ev ..read more
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