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 ...

COVID-19 Personal Auto Premium Relief & Temporary Policy Changes

Amid the Coronavirus outbreak, many states have enforced temporary regulations affecting insurance coverage and payments, and many Personal Auto insurance carriers announced that they will be offering an automatic refund premium credit of up to 20% to their policyholders. A few carriers are even offering additional coverage benefits, too! Different credit amounts, benefits, and restrictions apply with each of the different carriers offering it. The premium refund credit is a result of the pandemic causing financial hardships for many families in our community and across ...

COVID-19 (Novel Coronavirus); Evolve Insurance Agency Operational Update

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 to the virus if contracted. Effective today, March 18, 2020, our office will be closed for physical visits until further notice. We anticipate this closure to last at least through April 3, 2020. However, our phone lines will be ...

I own a home, Is there a difference between wind insurance, hailstorm insurance, and hurricane insurance in Florida?

The short answer to this question is NO, but the answer is a bit more complex than a one-liner unfortunately. When it comes to a standard homeowners insurance policy issued in Florida, if it is on an HO3 form (as most of them are), it will automatically include Wind, Hailstorm ...