As we discussed in my earlier posts, reducing the overall coverage limit for your Contents or Personal Property Coverage C of your Homeowners insurance policy in Florida is one way to lower your overall premium. Another way to increase your savings is to look at the Actual Cash Value designation for this Personal Property Coverage on your homeowners insurance. ACV or Actual Cash Value will cost less for your annual insurance premium....

A common question that I get from my customers relates to the Coverage C, or Personal Property (or as it is sometimes called –  Contents) Coverage. Frequently the coverage limit for this portion of a Homeowners or Dwelling insurance policy will be 50% of the Coverage A or Dwelling section. So if your Home or Condo (the dwelling) is covered for say $200,000 then usually the Personal Property coverage limit will be half of that, at...

There are some great resources that can be found via the State’s website. This one is a treasure trove of information regarding Sinkholes. How they are formed, where they are most likely to occur, how to make a claim with both the local authorities and your Insurance company and on and on. There is no doubt that Sinkholes are a major reason that Homeowners Insurance rates have steadily risen in the past half decade. This great State...

With the first real hurricane of the season now past us, it is a good time to take stock in our preparedness. Being prepared for the worst certainly includes provisions such as water, food, batteries & lighting as well as alternate shelter plans and being ready when the storm passes. One often overlooked function of being totally prepared is to take stock, or inventory, of all the items of importance in your home. An easy way to do...