Insurance tips & resources
Plain-English guidance from our Florida agents, what's happening with rates, how to prepare for storm season, the discounts most people miss, and how to keep your home, car, and toys protected year-round.
Insurance 101
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An Update on Auto & Home Insurance Rates in 2023
Inflation and rising claims pushed auto and home insurance premiums higher in 2023. Here's why rates went up and how an independent agency can help.
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Benefits of an Independent Insurance Agent
An independent insurance agent shops multiple carriers for you, offers professional guidance, looks for discounts, and helps as your coverage needs change.
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Home & Auto Insurance Have Increased: We Explain Why
Home and auto insurance premiums keep rising at renewal, even when your risk hasn't changed. Here's what's driving the increases and steps that may help.
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Reciprocal Exchange Insurance in Florida
Reciprocal exchange insurance lets Florida members share risk and pool premiums. Learn how it works, its potential advantages, and how to find a policy.
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Home
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Does Home Insurance Cover Mold Issues?
Wondering if home insurance covers mold? Learn when mold may be covered, when it usually isn't, and practical steps you can take to prevent mold growth.
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Home Insurance Discounts
From bundling and loyalty to smart home devices and going green, here are common home insurance discounts that may help lower your premium.
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Insurance Coverage for Your Swimming Pool & Safety Tips
Adding a pool? Learn how it can affect your home insurance and liability limits, why fencing matters, and practical safety tips for around the water.
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Is Water Damage Covered by My Standard Home Insurance Policy?
Burst pipe, appliance leak, or flooding, which water damage does a standard home insurance policy cover? Learn what's included and when you need flood coverage.
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My Home Was Burglarized and Valuables Were Stolen: Am I Covered by My Home Insurance?
If your home is burglarized, does home insurance cover stolen valuables? Learn how personal property coverage, actual cash value, and policy riders work.
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Rodent Damage & Preventative Steps to Take This Winter
Rodents move indoors as temperatures drop. Learn the damage they cause, how they get in, prevention steps, and why home insurance usually won't cover it.
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What You Need to Know About Homeowners Insurance in Florida
A Florida insurance expert breaks down the market, Citizens, flood requirements, and what buyers and sellers should know about coverage right now.
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Flood & Weather
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How to Do Your Part to Reduce Wildfires This Summer
Humans cause most wildfires. Learn simple prevention steps, burn ban basics, and safe campfire and equipment practices to lower your risk this summer.
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Hurricane Hacks
Riding out a named storm? These hurricane prep hacks cover food, water, power, documents, pets, and what to do once the storm has safely passed.
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Wildfires, Home Insurance & Staying Safe During Poor Air Quality Days
How wildfires affect home insurance rates and high-risk areas, plus practical steps to stay safe at home and outdoors when air quality turns poor.
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Auto
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Car Theft: Am I Covered?
Stolen car, stripped parts, or items taken from your vehicle, are you covered? Learn how comprehensive auto coverage handles theft and what it doesn't.
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Exercise Caution This Fall & Winter with Nighttime Driving
Fall and winter bring longer nights and more risk on the road. Review these nighttime driving safety tips to help you stay alert and arrive safely.
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Four Auto Insurance Terms You Should Know (Part 1)
A plain-language breakdown of four common auto insurance coverages: state minimum liability, comprehensive, and collision, plus when each applies.
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How to Prep Your Car for Fall and Winter Seasons
Cooler weather can bring slick roads and breakdowns. Use this checklist to prep your car for fall and winter, from tires and brakes to emergency tools.
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Insurance Options for Leased or Financed Vehicles
Leasing or financing a car? Learn which auto insurance coverages lenders typically require, from comprehensive and collision to liability limits.
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Moving Trucks & U-Haul Type Insurance
Renting a moving truck? Learn how your auto policy may apply, the coverage rental companies offer, and what to ask a licensed agent before you drive off.
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Recreational
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A Beginner's Guide to Traveling in an RV
New to RV life? Get comfortable driving, watch backcountry roads, secure your gear, pack a checklist, and prep meals ahead for an easier first trip.
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Don't Cancel Your Insurance: Protect Your Seasonal Toys Year-Round
Tempted to drop coverage on your motorcycle, RV, boat, or ATV in the off-season? Learn the theft, weather, and liability risks of canceling year-round.
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Fun Ideas to Make the Most Out of Your Summer
School is around the corner. Make the most of the rest of summer with kitchen projects, local events, the outdoors, road trips, and safe gatherings.
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Insurance Options for Boat Owners + Theft Prevention Tips
New to boating or due for a policy review? Learn what boat insurance can cover (liability, comprehensive, collision) plus tips to help prevent boat theft.
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Proper Insurance Coverage for Your Summer Activities
Road trips, boats, ATVs, and summer events all carry risk. Learn what your policies cover and where you may need rental, specialty, or umbrella coverage.
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Should You Insure a Golf Cart?
Golf carts aren't just for the course. Learn what golf cart insurance covers, why home insurance may fall short, and the factors that affect your premium.
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Life & Health
Seasonal & Safety
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Five Things You Should Always Have on Hand in Your Home & Car
A simple emergency checklist for home and car. Stock these essentials for power outages, natural disasters, flat tires, breakdowns, and cold weather.
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How to Protect Your Home While Away on Vacation
Heading out of town? Learn practical ways to deter burglars while you travel, from social media habits and timers to alarm systems and home watch services.
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It's Fire Prevention Month: How to Lower Your Risk for a Home Fire
October is Fire Prevention Month. Learn the most common ways home fires start, from smoke alarms to candles, chimneys, appliances, and extension cords.
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Lower Your Risk for Theft This Holiday Season
Holiday crime tends to spike. Learn how to reduce your risk of vehicle break-ins, mail theft, and porch package theft with these practical safety tips.
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New Year's Eve Party Tips & Things to Consider in the New Year
Hosting a New Year's Eve party? Learn about host liability, tripping hazards, and why the new year is a good time to review your insurance policies.
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Safety Tips for Boat & Motorcycle Owners
Heading out this season? Review safety classes, gear and equipment checks, defensive driving, and pre-departure routines for boat and motorcycle owners.
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Spring Season Is Here: Insurance Updates to Know
Spring insurance updates: rental car coverage for spring break, how inflation affects premiums, common discounts, and when to review your policies.
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Three Things to Consider for Halloween This Year
Hosting trick-or-treaters or heading out this Halloween? Review tripping hazards, plan ahead with kids, and pack safety gear for a safer night.
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Using the Latest Technology to Reduce Your Likelihood of a Claim
Smart thermostats, water sensors, smoke alarms, and locks can help homeowners catch problems early. See which DIY tech may reduce common claim risks.
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