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Home Shopping? Here's What to Look for to Keep Your Insurance Prices Down

Shopping for a home can be a very exciting time, and while folks are looking for different things in their new residence, something you may want to consider are factors that can significantly increase or decrease your...

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What Community Association Directors Should Know About Working With Citizens

While Citizens has become a popular choice among residential homeowners in recent years - due primarily to skyrocketing private carrier costs and non-renewals from companies leaving Florida - the commercial world is...

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"Condo 3.0" House Bill Signed by Governor DeSantis This Month - What it Means

Condominium safety and management has been under a microscope since the June 2021 collapse of the Champlain Towers South building in Surfside. This month's passing of Florida House Bill 1021 is a direct result of that...

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Do You Own a Townhome? If so, you may be over-insured!

In Florida, a townhome is either insured as a single-family home (through an HO3 policy), or as a condominium (an HO6). The type of property insurance you need is dependent on how your community is insured as a whole....

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Why Even X Flood Zones Need Flood Insurance (and it's less expensive than you think!)

The 2024 Hurricane Season is anticipated to be highly active, with 23-24 named storms and more than 10 expected to escalate into hurricanes. NOW is the time to consider adding a flood policy. They are inexpensive, cover...

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Florida Legislative Insurance Updates You Should Know About

In a March press release issued by the Florida Senate, legislation aimed at reducing property insurance costs in Florida passed and included: 1-year insurance premium tax relief on flood policies written between 10/1/24...

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What is an Agent of Record (and why do I need one)?

The world of insurance can be challenging to navigate, whether you're an individual homeowner or a member of a Home Owners Association (HOA) Board, serving as a fiduciary to your community members. When looking for the...

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Why it May Make Sense to Have An Elevation Certificate When it Comes to Flood Insurance

Flood insurance isn't required on all homes, but in a storm-prone state like Florida, it's always a safe bet to secure it. The price of the policy is a bargain compared to the cost of damage that can occur from...

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Why HOAs and Condo Boards Need "Crime Coverage"

Crime Coverage - also known as a "Fidelity Bond" or "Fidelity Guarantee," is a form of insurance coverage that protects against fraudulent acts - like embezzlement - committed by Board Members or Property Managers in a...

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Why is My Home Insurance Premium So Different From My Neighbor's?

Home insurance rate fluctuations are making the news weekly it seems - especially here in Florida. Many private insurers are fleeing the state and Citizens is working to offload some of their client roster and get back...

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Why Permitted Home Repairs are Important!

When it comes to home repairs, improvements and additions, we know there is some confusion as to whether permits are required by a licensed contractor. In a challenging economy - such as the one many of us experienced...

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Have You Recently Received a Letter from Citizens Insurance?

Within the past few months, you may have been one of 300,000 Florida homeowners that received a letter from your current home insurance carrier, State-backed Citizens Insurance. As you may be aware, Citizens was created...

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