Coverage for your carport, pool cage, or other screened enclosure – what’s that costing you on your homeowners insurance?

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 ...

My lender failed to pay my homeowners insurance on time and now I have no coverage – what now?

When you own a home with a mortgage, it’s likely your loan contract requires you to set-up an escrow account for homeowners insurance premium payments and levied property taxes. An escrow account is a way for your lender to charge you monthly for your estimated annual cost of insurance ...

5 Tips For Finding the Best Homeowner Insurance

How would you like to find the best homeowner insurance for your needs? It can be a daunting task, but all it takes is some preparation and research. Finding the perfect policy for your home should be much easier than you think with the right information! All you need to ...

Commercial and Residential Builders Risk Insurance - What You Need to Know if You're About to Start Building in Florida

During a building’s construction process, there can be many risks involved that deserve adequate insurance protection. For starters, your standard coverage for things like fire, burglary, vandalism, windstorm, hurricane, and hail are all obvious areas of concern (especially in Florida). But what about liability? Most land-owners and property developers ...

The Insurance Industry Crackdown on Old, Aging Roofs

You, your friend, or your neighbor may have had a recent issue regarding their insurance and their roof – and it’s an issue we’re hearing more often then ever before. Florida insurance companies are starting to crackdown on homeowners who have older roofs, often requiring them to be replaced ...

7 Tips for Choosing the Right Homeowner Insurance Company

According to German Reinsurer Munich Re, natural catastrophes across the globe resulted in $210 billion in damage in 2020. The US was hit pretty hard with a $95 billion damage, majorly from prevailing hurricanes and wildfires. Globally, only less than $85 billion in property losses were insured. It’s more important now than ever ...

The Effects of Inflation Will Make Your Next Insurance Renewal More Expensive

Homeowners in Florida just can’t catch a break when it comes to quickly rising insurance rates. While the current focus seems to be on the changes made to flood insurance rating, Evolve Insurance Agency has learned of the next ‘big thing’ to affect your homeowners insurance renewal rate – and ...

How much does Commercial Auto insurance cost vs. Personal Auto insurance?

Maybe you’re about to start your very first business, or maybe you’ve had your business going but the thought of it made you cringe – so let’s answer the question: Is commercial auto insurance more expensive than personal auto insurance and by how much? The answer? Commercial insurance ...

Why You Should Take a Second Look at Your Homeowner's Insurance

For most people the most important asset that they own is their home. It is something that they not only worked extremely hard to purchase but try to maintain as best as they can. If the average family loses their home, most of their family's net worth is also wiped ...

Gulfstream Property & Casualty Insurance Company Ordered into Liquidation on July 28, 2021

On July 28, 2021, Gulfstream Property & Casualty Insurance Company AND Gulfstream Select Insurance Company were ordered liquidated by the Second Judicial Circuit Court in Leon County, Florida.  The Florida Department of Financial Services ("Department") is the court appointed Receiver of Gulfstream. A copy of ...

Why now might be the perfect time to purchase flood insurance.

As a native southwest Floridian, and I have heard every excuse in the book as to why someone doesn’t think they need to purchase flood insurance for their home. Some people think it’s too expensive, some people think they should only have it if they are in a ...

What is sinkhole coverage and why is it not covered on my homeowners insurance?

During your review of your homeowners insurance quote and/or policy, you may notice some interesting language within it that states sinkhole coverage is not coverage included in your policy. If you’re new to Florida, you may not realize how common sinkholes are and how quickly they can cause ...