Written at the desk · Southwest Florida
Notes
Plain explanations of the coverage questions our offices are actually asked. Wind against flood, what a hurricane deductible really costs, and where a personal policy stops covering a working truck. Written by the licensed agents who answer the telephone.
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Your boat policy before the next named storm
Most Florida watercraft policies help pay to haul or secure a boat once a storm is named. Almost all of them want something from you first.
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Your hurricane deductible is a percentage, not a number
It is the figure most Southwest Florida homeowners have never worked out, and it is the one that decides what a storm actually costs you.
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The inspection that pays for itself
A wind mitigation report costs less than a weekend away and can take a meaningful amount off a Florida property premium. Most homes here have never…
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Flood is a separate policy, and here that matters
Every standard Florida home policy excludes flood. In two counties shaped by water, that is the exclusion worth understanding first.
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What PIP actually pays for after a crash
Florida requires it, nearly every driver here carries it, and very few know what it does or where it stops.
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The four-point inspection, and why a carrier asks for one
Roof, electrical, plumbing, heating and cooling. Four systems, one visit, and the reason an older Florida home is quoted the way it is.
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How to read the insurance clause in a contract
Send us the paragraph rather than a summary of it. Here is what we are reading for when it arrives.
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The Florida minimum, and the gap it leaves
Florida is one of the only states whose compulsory minimum does not include bodily injury liability. That absence is the largest uninsured risk most drivers here…
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Uninsured motorist coverage, in a state full of uninsured drivers
Florida has one of the highest uninsured-driver rates in the country. This is the coverage that pays when the person who hit you cannot.
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Driving for an app, on a policy that excludes it
Most personal auto policies exclude driving for hire, and the cover the app provides has gaps at both ends of a trip.
Speak with someone who will still be here at renewal.
(239) 544-0950