Christmas trees have become much safer since the days when we used actual lit candles to decorate them, but they still cause roughly about 160 home fires every year. You can minimize the chances that your tree will go up in flames by following these Christmas tree safety tips: ·         Pay attention to your wires: Problems with electrical distribution or lighting equipment account for about 34% of Christmas tree fires. If you’re not sure what counts as “too much,” read and follow the instructions on your lighting equipment and surge protector ..read more

Fall is a perfect time to give your home a seasonal tune-up. To help, we’ve put together 6 helpful fall home maintenance tips specifically for homeowners in Florida. 1-Check Your Disaster Supply Kit When hurricane season ends on November 30, it’s important to check your disaster supply kit and make sure you’re ready for the next season—or any unexpected weather events. Since Florida is the most hurricane-prone state in the U.S., it’s critical to be always prepared. 2-Maintain Your Swimming Pool If you have a pool, you should do a thorough inspection at least once a year and fall is the perfec ..read more

4-Point Inspection A 4-point inspection will encompass a thorough examination of the home’s: Roof Electrical system Plumbing system HVAC system An insurance company may require a 4-point inspection on any house over 20 years old before giving a policy. During a 4-point inspection, the inspector will likely be very interested in the roof. They will want to know the age and inspect its condition. Any leaks or missing shingles could be a problem. Also, the insurance company may object to your roof if it’s too old. When looking at wiring, an insurance company may not want to cover houses with a ..read more

One of the most essential business insurance products is workers' compensation insurance. Modern workers' comp insurance carries layers of federal, state and local regulations. These regulations protect both the injured worker and the employer. Although rare, those who seek to defraud the system cast a disparaging net over those that workers' comp helps. The good news is, workers compensation insurance fraud has three general characteristics. With the right attention, you can help reduce the risk of fraud in your business. 1. Contradictory accounts of how the injury happened It may be easy to ..read more

Florida homeowners can save money on their insurance and protect against hurricane roof damage by adding a “third nail,” but what is it? ​ ​“The third nail is literally a third nail,” said Jason Evilsizer of LGT Restorations. The Fort Myers-based roofer specializes in putting the third nail into roof-to-wall connectors, which makes a roof more secure against heavy wind. Most homes in Florida built before 2002 only use two nails. Since 2003, all homes valued at more than $300,000 must get that nail whenever they get a new roof, but many roofers don’t do it. “They just put the roof on,” Evilsiz ..read more

First go through all of your monthly bills, credit cards and bank statements. You’ll most likely find many subscriptions, odd payments, and auto-bills you forgot you even signed up for. Every expense you cut or reduce is the same as giving yourself a raise. Insurance is no exception when it comes to things you want to save money on, as long as you’re keeping enough coverage. The cost to insure your most valuable assets should not have to break the bank and so if you play your cards right and talk to the right expert, you can give yourself the chance to get that raise. More money in your pocke ..read more

Starting to drive is an exciting and nerve-wracking venture. It’s reasonable that you may have questions, even some you are too embarrassed to ask your insurance agent. Here are some important car insurance basics to know before you hit the road. Is Car Insurance More Expensive for Teenagers? On average, teenagers are more expensive to insure than adult drivers. This is because insurance providers consider teenagers more “high-risk.” Teenage drivers have less experience behind the wheel and statistically cause more accidents. For example, the average cost of car insurance in Texas for a 16-ye ..read more

The words "spring cleaning" usually means cleaning tasks, such as organizing the garage and tackling outdoor jobs. But there's more to clean than just your home. Your insurance coverage can also use a good spring cleaning as winter draws to a close. A major life event isn't the only reason you may need to adjust your plan. Take the time to evaluate your policy, verify deductibles and coverage limits, and make sure you're completely protected. Here are several questions to consider when looking at your policies: Can you afford your deductibles if something happens? A high-deductible home or au ..read more

FINALLY our state government is making strides in handling the insurance nightmare. Click the button below to read one of many articles addressing what is going on today ..read more

Protecting your car during a hurricane is crucial to minimize potential damage and ensure your vehicle's safety. Here are some steps you can take to protect your car from a hurricane: Secure Covered Parking: Whenever possible, park your car in a covered area such as a garage or carport. This offers the most effective protection against the elements. Move to Higher Ground: If you live in a flood-prone area, consider relocating your car to higher ground before the hurricane hits. Seek elevated parking lots or garages if available. Avoid Parking Near Trees or Smaller Structures: Park your vehic ..read more