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insurance

You are here: Home / Archives for insurance

Lighthouse Insurance News

Lighthouse Insurance, which has policies under Lighthouse Property Insurance Corporation and Lighthouse Excalibur Insurance Company, is the third Florida carrier facing insolvency this year. Lighthouse insurance announced that it would no longer write new policies in mid-February. At the end of March, Demotech withdrew its financial stability rating. This is a very bad sign for […]

Category iconInsurance News Tag icondemotech,  florida insurance,  insolvency,  insolvent,  insurance,  lighthouse insurance

Avatar Insurance News

Avatar Insurance or Avatar Property & Casualty Insurance Co. is the second Florida carrier facing insolvency this year. Avatar announced that it would no longer write new policies in mid-February. Soon after, Demotech withdrew its financial stability rating. This is a very bad sign for an insurer, as most mortgage lenders require an A-rating to […]

Category iconInsurance News Tag iconavatar insurance,  condo,  florida insurance,  homeowners,  insolvency,  insurance,  manufactured home,  mobile home

What is Ordinance or Law Coverage?

What is Ordinance or Law Coverage? Is it important? Should I have it on my Florida home insurance policy? Those are good questions. For most coverages, you can get an idea of what it is based on its name, but Ordinance or Law isn’t immediately apparent, and many homeowner’s don’t know what this coverage is […]

Category iconCondo (HO-6),  Coverages,  Homeowner (HO-3),  Homeowners,  Landlord (DP-3) Tag iconflorida insurance,  insurance,  insurance coverages,  ordinance and law,  ordinance or law

Florida Assignment of Benefits Claims

What is an “Assignment of Benefits” & Why Does It Matter?

Whenever you talk about increasing insurance rates, you may hear the term Assignment of Benefits (AOB). What does that mean, though? Why would that impact my rates if I haven’t had a claim? These are all good questions, so let’s take a minute to review what these claims are and how they affect you and […]

Category iconAuto,  Homeowners Tag iconauto insurance,  claims,  home insurance,  insurance,  insurance coverage

House Insurance What is Other Structures

Why Do I Have Other Structures Coverage on My Policy?

Many times people review their Florida homeowners insurance policy and see Coverage B – Other Structures. Maybe you reviewed “Homeowners Coverages” so you know what it is. If not, this is for “Other Structures” which are detached from the main structure of the home – detached garages, sheds, utility buildings. It also includes fences, mailboxes, […]

Category iconHomeowners,  Homeowner (HO-3) Tag iconcoverage,  homeowners,  insurance

What is Additions and Alterations Coverage? Do I Need It?

On your condo insurance policy, you may see Additions and Alterations. What is this? Do you need it? To understand that, let’s look at a standard, base condo policy first. Standard Condo Policy The standard condo policy is primarily based off the coverage C – Personal Property coverage. Coverage A – Dwelling will automatically be […]

Category iconCondo (HO-6) Tag iconcondo,  coverage,  insurance

What Is Condo Unit Owners Special Coverage A? Do I Need That?

Condo Unit Owners Special Coverage A – The Short Answer This is a great question, and it often isn’t very clear on your policy declarations page. A standard Florida condo policy is what’s called a named perils policy. Condo Unit Owners Special Coverage A upgrades the coverage from named perils to open perils. Related: Sample […]

Category iconCondo (HO-6) Tag iconcondo,  coverage,  insurance

Open Perils vs Named Perils Homeowners Insurance near me

Open Perils vs Named Perils Policy

What is the difference on an open perils (all risks) vs named perils policy? It is a good, important question but can get into kind of boring insurance stuff. We will try to make it as easy to understand here. First, what are “perils” anyways? Perils are the things that cause the claim. Fire, wind, […]

Category iconCondo (HO-6),  Homeowner (HO-3),  Homeowners,  Landlord (DP-3) Tag iconcondo,  homeowners,  insurance,  landlord

Is Uninsured Motorist (UM) Coverage Necessary?

Do I Need Uninsured Motorist Coverage?

Why do I have to pay for someone that doesn’t have insurance? Do I need this uninsured motorist coverage? These are some of the questions that we get regarding uninsured motorist coverage. We find a lot of people aren’t quite sure what it covers or why it’s important. Also, you’d be surprised how many people […]

Category iconAuto,  Coverages Tag iconauto,  coverage,  insurance,  underinsured motorist,  uninsured motorist

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Brandon, FL 33511
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