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 ...

Looking to purchase a manufactured home? Read these important tips FIRST!

Living in a manufactured home community is not as uncommon as it may seem, and in fact is a very popular option for senior citizens in Florida. Given most parks are dedicated to those 55 and older, and are located in secure areas, these communities may be the perfect choice for ...

Florida Specialty Insurance Company Ordered into Liquidation on October 2, 2019

On October 2, 2019, Florida Specialty Insurance Company ("FSIC") was 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 FSIC. A copy of the liquidation order for FSIC is ...

Classic Antique Auto Insurance Policy: Who can get one?

Auto insurance is a sore subject for most Florida residents to talk about, however when it comes to Classic / Antique auto insurance, it gets a little less painful. Not only that, but you may have a vehicle or two that qualifies for this type of coverage without even knowing! RELATED: ...

I drive for Uber, what do I need to know about insurance?: Insurance for Rideshare and App-Based Delivery Drivers (Such as Lyft, Uber, Doordash etc.)

It’s no secret that today’s modern taxi ride involves a rider pulling out their smartphone and logging into a mobile app to request a ride. So how does it work when it comes to insurance? Maybe you are a frequent rider of one of these services, or maybe ...

Condo Unit-Owners Insurance (HO6) vs. Homeowners Insurance (HO3)

If you live in a condominium unit, villa, or a townhome, ask yourself this question: What kind of insurance am I supposed to have, a homeowners insurance policy or a condo unit owners insurance policy? If you are unsure how to answer this question, then how can you be sure ...

Why do I have 3 different insurance policies for my home yet different limits of coverage on each?

This is a scenario I see commonly, and the answer isn't that simple (gee, what a surprise!). Insuring a home contains multiple layers of coverage for multiple different perils. Although personal needs and selections vary, to be adequately covered we suggest you carry Hazard Insurance, Wind/Hurricane/Hail insurance, ...