Having a new pool installed soon? What you need to know about home insurance.

New in-ground swimming pools are a HOT commodity right now in Southwest Florida. I know of 4 pools being installed in my very own neighborhood as we speak, and all I can think is “gee, I wonder if they notified their insurance agent!?!?”. They are in such high demand right ...

My homeowners or rental home insurance is being Non-Renewed – what does that mean?

A “Notice of Non-Renewal” with regard to your homeowners or your rental home insurance policy is a notice from your insurance carrier that they do not intend to offer you a renewal when your current policy expires. With the sudden, and chaotic shift currently occurring in the Florida property insurance ...

Give a Warm Welcome to Evolve's New Agent - Fran Saunders!

Please give a very warm welcome to our new agent – Fran Saunders! Fran comes to Evolve with over 30 years of insurance experience and has a local reputation for offering her clients stellar service. Fran is a native of Connecticut but moved to Florida over 15 years ago to spend sunny days ...

Own a rental home over 30 years old? If so, your insurance could come with severe limitations.

Everyone notices their insurance rate when it increases, and just about every policyholder in Florida will see their rate go up this year. But - not everyone notices a change in their insurance policy language. If you own a rental home and it’s at, or over, 30 years ...

Do it Yourself Online Auto Insurance and Why it’s a Bad Idea.

You’ve seen the commercials and the ads, and who knows - maybe you currently have auto insurance you purchased yourself, online. At first, it sounds like a great idea – by cutting out a middle man, you’re sure to get a better price, right? Wrong - not only is ...

Replacement cost coverage for personal property on your homeowners insurance – What’s that costing you?

A homeowners insurance policy is a package policy for the average homeowner that provides coverage for multiple things – most notably coverage for the dwelling, coverage for personal property owned by the insured (aka. ‘contents’) and coverage for personal liability with respect to the insured. Within a homeowners insurance policy ...

The Florida Homeowners Insurance Market in Chaos

The homeowners insurance market in Florida is going through a chaotic shift, and that means so is the average homeowner - they just may not know it yet. In the last 4 months, nearly every homeowners insurer in the state has announced rate increases in the double digits - and ...

Florida Mobile Home Insurance: Admitted Vs. Non-Admitted

The Florida Manufactured Home Insurance market is incredibly unique. Manufactured homes specifically are looked at as a high-risk group to the eyes of Florida insurance companies because of the nature of their construction, and the clear threat to them posed by hurricanes. Most manufactured homeowners face a difficult time obtaining ...

Florida Mobile Home Insurance: Common Differences in Policy Forms

As some might have come to expect, insurance policies contain many exclusions and stipulations when it comes to offering coverage and paying a claim. Not only that, but not all insurance policies are created equal – which means some contain more exclusions than others. So, let me ask you, what kind ...

COVID-19 (Novel Coronavirus) Evolve Insurance Agency Operational Update - June 1, 2020

Evolve Insurance Agency takes the safety and health of our staff, clients, and local community very seriously. As such, we are implementing some operational changes due to the spreading COVID-19 (Novel Coronavirus). A large majority of our clients and the local community fall into the most at-risk category potentially succumbing ...

PREPARE YOURSELF FOR HURRICANE SEASON! TAX FREE SALE THIS WEEKEND!

Aerial photo of damage caused by Hurricane Michael in Mexico Beach, FL on October 12, 2018 (Dronebase/Reuters) (HANDOUT/Reuters) Hurricane season is here and the time to plan is NOW - prepare yourself before a disaster strikes! Did you know there are expected to be more hurricanes this ...

Florida Office of Insurance Regulation Issues Consent Order for Capitol Preferred Insurance Company, Inc.

Evolve Insurance Agency has learned that on May 12, 2020, the Florida Office of Insurance Regulation ("OFFICE") issued a Capitol Preferred consent order, outlining a plan to cancel over 23,000 policies with a 45-day notice. As of May 3, 2020, Capitol Preferred Insurance Company reported having over 108,000 policies in force, meaning this will result ...