Can I buy homeowners insurance or hurricane / wind / hail insurance in Florida during hurricane season?

At Evolve Insurance Agency in South Venice we hear this question come up often. Every Floridian is likely already aware that Hurricane Season begins every year promptly on June 1st and runs thru November 30th, in fact, the World Meteorological Organization will soon consider making this date start weeks ...

Florida Office of Insurance Regulation Allows Universal North America Insurance Company to Issue Immediate Cancellations for Over 13,000 Policies.

Evolve Insurance Agency has learned that on May 6, 2021, the Florida Office of Insurance Regulation ("OFFICE") issued a Universal North America Insurance Company (aka. Universal NA) consent order, outlining a plan to cancel over 13,000 policies with as little as a 45-day notice. As of March 1, 2021, Universal North ...

Florida Office of Insurance Regulation Allows Gulfstream Property and Casualty Insurance Company to Issue Immediate Cancellations for Over 20,000 Policies.

Evolve Insurance Agency has learned that on May 6, 2021, the Florida Office of Insurance Regulation ("OFFICE") issued a Gulfstream Property and Casualty Insurance Company consent order, outlining a plan to cancel over 20,000 policies with as little as a 45-day notice. In this consent order, Gulfstream announced that as ...

Florida Office of Insurance Regulation Allows Southern Fidelity Insurance Company to Issue Immediate Non Renewals for Nearly 2,300 Policies.

Evolve Insurance Agency has learned that on April 28, 2021, the Florida Office of Insurance Regulation ("OFFICE") issued a Southern Fidelity approval, outlining a plan to non-renew nearly 2,300 policies with as little as a 45-day notice - and then another 17,000 policies with as little as 120-day notice. This follows similar, ...

My insurance company or agent says I need a home inspection for my homeowners insurance – what does that mean?!

During the course of home ownership, your need for insurance may require you to obtain one or more different types of inspections to satisfy your insurer’s underwriting requirements and keep insurance coverage on your home. While state lawmakers consider making changes to help alleviate pressure on one of the ...

Does my auto insurance policy provide coverage for rental cars?

With the reported rental car shortages leaving travelers frustrated, and sometimes stranded - renting a car can be no easy feat. If you get a car, getting upsold on add-ons at the counter after selecting your rental car months before hand can be a ‘not-so-great’ way to start a ...

Due to COVID-19, your home may be underinsured.

It’s no secret the shockwaves of COVID-19 are still trickling through the worldwide market and distribution channels. There are shortages in just about every industry, including the construction industry. The cost of lumber is increasing at an alarming rate. There are shortages of simple materials used in the foundations ...

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 ...