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Florida Insurance News

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Safety Tips for Teen Drivers

Leigh Butler Jan 24 2018 My son is grown already, past the teen years, but I still remember the scary days when he was a teen driver. If you are like me, having an inexperienced driver, or your teen being a passenger who rides with an inexperienced driver, will keep you awake at... more

What Is a "Mitigation Inspection"?

Leigh Butler Nov 20 2017 A mitigation inspection, also referred to as a wind mitigation inspection and Uniform Mitigation Verification Inspection form, is to determine the appropriateness of a particular structure's construction in the event of strong winds (hurricanes, tropical... more

Is Your Homeowner's Insurance Up To Date?

Leigh Butler May 11 2017 When your insurance agent calculates the estimated cost to replace your home in the event of a claim, they are basing it on the available knowledge they were given regarding the features of your home. This includes things like square footage, type of... more

When "The Bare Minimum" Just Isn't Enough

Leigh Butler Jan 27 2017 Although states set the minimum requirements that you must carry on your auto policy, in most states the requirements by law are extremely low. The primary reason we buy automobile insurance, both liability and property damage coverage, is to protect us, our... more

What You Need to Know About Water Damage

Leigh Butler Oct 28 2016 The typical Homeowners policy (HO3 – Special Form) covers all risks of direct physical loss to your home including water damage but with significant exclusions and limitations. Types of water damage that are likely to be excluded under a Homeowners policy... more

What To Do When You Have a Claim

Leigh Butler Jun 10 2016 Auto Insurance If you’re involved in a car accident, it’s vital that you tell your insurer about it as soon as you can to ensure you don’t invalidate your coverage. After a motor vehicle accident, theft, or fire, depending on the level of car insurance... more

What is Uninsured and Underinsured Motorist Coverage?

Leigh Butler Feb 5 2016 Uninsured motorist coverage was created to address a critical problem. Although auto liability insurance is required in Florida, approximately one in four Florida drivers may be driving without insurance. Consequently, if you are injured in an auto accident... more

How To Choose The Right Deductible For You

Leigh Butler Sep 25 2015 The deductible is the amount of money you agree to pay out of pocket before the insurance company will pay out money for your claim. For example, if you have a $500 deductible, that means you'll pay the first $500 of any claim you file and the insurance... more

Condominium Insurance: Who is Responsible for What?

Leigh Butler Mar 27 2014 When insuring a single family home, it is obvious who holds the responsibility for the property. But condominiums, with their entangled mix of public and private spaces, make determining who should be held accountable much trickier. When it comes to arranging... more



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