Resources
Practical guidance to help Florida families make smarter, more confident insurance decisions.
Many Florida homeowners assume their policy covers more than it actually does. Deductibles, water coverage, roof settlement provisions, screen enclosures, and other limitations can vary significantly by policy and carrier. An annual review can help identify coverage gaps and make sure your policy still fits your needs.
Florida is a no-fault state, and Personal Injury Protection (PIP) is part of Florida's required auto insurance coverage. But PIP is only one piece of an auto policy. Understanding your liability limits, uninsured motorist coverage, deductibles, and other options can help you make more informed coverage decisions.
Standard homeowners insurance generally does not cover damage caused by flooding. In Southwest Florida, where storm surge and heavy rainfall are real concerns, flood coverage is available through the NFIP and private flood insurers. Understanding the differences can help you decide which option fits your property.
Term life generally provides coverage for a set period and may offer higher death-benefit amounts for a lower initial premium. Permanent life insurance can provide lifelong coverage and may build cash value. The right approach depends on your goals, budget, and long-term needs.
Many renters assume their landlord's insurance covers their belongings — it generally doesn't. Renters insurance can help protect your personal property and provide liability coverage, and may include additional living expenses if a covered loss makes your rental temporarily uninhabitable. Coverage and limits vary by policy.
An umbrella policy provides an additional layer of liability protection above the limits of underlying policies such as home and auto. It may be worth considering if you own a home, have significant assets, have youthful drivers, or simply want higher liability limits. Eligibility and underlying coverage requirements vary by carrier.
Before hurricane season, review your homeowners policy for hurricane and other-windstorm deductibles, coverage limits, roof settlement provisions, and any important exclusions or limitations. It's also a good time to make sure your home's replacement cost and policy details are current. Don't wait until a storm is approaching to discover a coverage issue.
Placing multiple policies with the same carrier may qualify you for multi-policy discounts, but bundling isn't always the best overall option. I compare available combinations of home, auto, and other coverage to help you find the mix of coverage and pricing that fits your needs
I'm happy to review your current policies and help you understand exactly what you have — and what you might be missing.
