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Posts Tagged 'Florida Home Insurance'

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Make Sure Your Home is Covered for All it's Worth

With your home being one of the largest investments you will make in your lifetime, it is important your home is properly insured for all its worth. A study conducted by Marshall & Swift, determined nearly two out of every three homes in the United States are underinsured. Upon reviewing your policy, you may find your current policy will only insure a percentage of the replacement value of your home. In the unfortunate event of a total loss, a gap in coverage could lead to a severe financial loss. What you need to know to make the right coverage choices:   Market Value vs Replacement Costs - Know the Difference Many believe their coverage limits are based on the market value of their home, as opposed to the replacement cost of the structure. When you insure your home based on its market value, you run the risk of having insufficient coverage. Market values are based on factors such as location, neighboring properties, school zones, and property taxes. However, these factors do not have ...

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Homeowners Insurance - Are you covered?

  A lot can change in a matter of a year, which could have an impact on your insurance needs.  At the start of this new year, take some time out of your busy schedule to review your homeowners policy. It may save you some money and time should the unexpected occur.  As a policyholder, you can make changes to adjust the amount of coverage you have, which may cause changes to your annual policy premium.  Keep in mind, should you not have enough coverage in place, you could be responsible for any out-of-pocket costs in the event of a loss. Each homeowners policy is different, and it is important you understand your coverages, so you and your agent can select the options which work best for the needs of your family. Consider the following when reviewing your homeowners insurance policy:   What is covered? Your homeowners insurance is made up of coverages which can help pay to repair or replace your belongings and your home should they be damaged by certain perils such as fir ...

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Prevent Identity Theft Over the Holiday Season

The holiday season is undoubtedly one of the busiest shopping times of the year. As such, purchases made during this busy time of year could expose you to hackers and scammers looking to steal your identity and drain your bank account. Consider the following tips to protect your information, and wallet during this holiday season: Purchase items using cash or credit cards to limit the use of your debit card. It is much easier for hackers to obtain your information from online purchases. If possible, shop in-store rather than shopping online. If you are doing some online shopping, be sure your computer is equipped with antivirus software and firewalls. Shred any documents containing personal information, such as your social security number, driver's license number, bills, and bank statements. Give yourself the gift of identity theft coverage. Florida Peninsula offers an economical endorsement which can be added to their policies providing assistance if you ever ...

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Holiday Home Safety

    This holiday season brings all sorts of activities. From lighting candles to hanging string lights. Here are some ways to keep your home and family safe from hazards such as fire and injury.   Lights: Inspect holiday string lights each year before hanging them up to ensure there are no frayed cords or cracked bulbs. When replacing bulbs, always unplug the lights first and make sure the voltage and wattage match the original bulb. When going to bed or leaving the house, be sure to turn off the lights.   Ornaments: Avoid glass ornaments, especially if you have curious children and pets. Using plastic ornaments makes tree decorating safe for the entire family. For pets, avoid hanging ornaments at the very bottom of the tree. To avoid injury altogether, gate off the area where the tree will stand so children and pets cannot get too close without supervision.   Candles: Always remember to blow out candles before going to bed and never leave them near curtains or flammable ite ...

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Protect Yourself from ID Theft

    Identity theft is a serious crime which happens when someone uses your personal information without your consent to commit fraud or other crimes. Personal information includes things like your name and Social Security, or credit card numbers. ID theft can happen anywhere, at any time. Fortunately, there are some simple ways to lower your risk of becoming a victim.   1.  Always verify who you are speaking to over the phone: Remember, banks or creditors will never call you randomly and ask you to verify your credit card numbers or social security numbers. This only happens when you are the person calling trying to get information about your account. Always search online directly through your bank or creditor’s website to obtain their official contact numbers. Never dial a number from a third-party. To be even safer, go directly to the branch to solve any issues you may have.   2.  Handle financial documents with care: If you need to throw away documents ...

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Citizens Continues to Depopulate

Citizens Property Insurance Corporation has announced they will be reducing their overall exposure by 60 percent in an effort to return policyholders to private market companies.

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Another Happy Customer

A letter we would like to share!

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Choosing the Right Homeowners Insurance for You

Some simple questions to consider when making tough decisions about your home insurance coverage.

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Preventing Water Damage

Water damages can cost you thousands of dollars to repair. With a little maintenance, you can keep your home safe from water leaks.

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Hurricane Prep 101

Get ready for the 2012 hurricane season by following these helpful tips.

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