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Hurricane Kit- Be Prepared for at Least 3 Days

Hurricane Kit- Be Prepared for at Least 3 Days

With the 2012 Atlantic Hurricane Season winding down, now is a good time to make plans for you and your family to be prepared. This might seem counter-intuitive, however getting ready now will be one less thing to worry about should a storm arise, and you’ll be ahead of the pack come late spring 2013 when the new Hurricane Season begins. Plus, buying these supplies now will save you money, as once a storm in on the horizon prices tend...

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Homeowners Insurance Personal Property, Coverage ‘C’Inventory

Homeowners Insurance Personal Property, Coverage ‘C’Inventory

After we have determined the correct Replacement Cost value for the reconstruction of your home (for the Dwelling Coverage ‘A’), then next most important coverage to focus on is the Homeowners Insurance Personal Property, or sometimes referred to as Contents coverage (coverage ‘C’). Many Insurance companies have a built in limit of 50% of the Dwelling Coverage A, however there are some companies that will let you...

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Homeowners Personal Property – Actual Cash Value (ACV) vs. Replacement Cost (RC)

Homeowners Personal Property – Actual Cash Value (ACV) vs. Replacement Cost (RC)

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....

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Your Personal Property & Contents Coverage C

Your Personal Property & Contents Coverage C

A common question that I get from my customers relates to the Coverage C, or Personal Property (or as it is sometimes called – ┬áContents) 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...

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Your State Government at Work- Really!

Your State Government at Work- Really!

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...

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