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According to NOAA, mid-August through mid-October is the time when the Atlantic Hurricane Season is most active. Although there is no lack of disturbances throughout the six-month Hurricane Season, this period accounts for 78% of tropical storms, 87% of category 1-2 hurricanes, and 96% of major hurricanes (categories 3-5).

As we are in the midst of the peak of Hurricane Season, it is important to understand what your homeowners insurance policy covers. You do not want to wait until the unexpected occurs to learn you may not have adequate coverage. As such, we would like to provide you with some information on Coverage D.

With the excitement of moving into a new dorm or apartment, many may not be thinking about whether their belongings are covered. If you are a college student living in on-campus housing such as a dorm, your belongings may be covered under your parents’ homeowners or renter’s insurance policy.

As a homeowner, it is important you understand how your claim may be settled, prior to a loss occurring. Doing so will save you time and provide peace of mind in the event you need to file a claim. When it comes to homeowners insurance, we understand certain terms can be confusing, especially should you need to file a claim.

Most policyholders do not keep receipts of all their personal belongings, as it can be very difficult to find time and space to maintain such documents. This is why as a homeowner or renter, creating a home inventory is one of the most important lists you can make.

Florida is one of the leading states in the country for fraud and insurance scams can be quite prevalent in several communities. Unfortunately, this leaves Florida residents paying some of the highest premiums in our nation. As a homeowner, you can do your part to identify insurance fraud, prevent it from happening to you, and report it.