Personal

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Citizens Insurance Homeowners Limitations & Exclusions

By | 2018-05-17T12:15:26+00:00 8:30 am|Categories: blog, Personal|Tags: , , |

It's not hard to understand that through rate increases, severe reductions in coverage and the potential for assessment - Citizens Insurance is telling policy holders in no uncertain terms - they don't want your homeowners insurance business.

Are You (or Your Loved One) Too Old to Drive?

By | 2018-05-17T12:15:27+00:00 2:43 pm|Categories: blog, Personal|Tags: , , , , |

Drivers in their late 70s have about the same number of injury-involved crashes per mile driven as drivers in their early 20s. And drivers age 85 and older are injured or killed in crashes at a higher rate than any other age group. This is due primarily to increased fragility that comes with age.

Car Insurance Savings Tips

By | 2018-05-17T12:15:27+00:00 5:00 pm|Categories: blog, Personal|Tags: , , , |

There's no getting around it, if you have a car here in Fort Myers, Cape Coral or Naples Florida and plan on driving it - you must have insurance.  Fortunately there are ways you can protect yourself and save money on car insurance without ending up with a useless policy.

Determining your home or property value

By | 2018-05-17T12:15:27+00:00 7:05 pm|Categories: blog, Personal|Tags: , , , |

One of the most important components of determining premium is the proper calculation of the replacement cost valuation (RCV). Unfortunately, many insureds are unaware or surprised to find that the RCV is not the same as the market valuation.

Common Homeowners Insurance Claims

By | 2018-05-17T12:15:27+00:00 4:45 pm|Categories: blog, Personal|Tags: , , |

Making sure you have the correct homeowners insurance coverage is key to protecting that investment when the unthinkable occurs. Here in Fort Myers, Cape Coral and Naples we tend to look at wind storms as the main reason to purchase home owners insurance -

Homeowners Insurance Savings Tip – Wind Mitigation Credits

By | 2018-05-17T12:15:28+00:00 3:52 pm|Categories: blog, Personal|Tags: , , , , , |

Depending on where you live in Florida, the windstorm portion of your homeowners policy premium is typically between 15% - 70%. A wind mitigation inspection can drastically reduce those premiums, depending on the construction of your home and how well it is designed to withstand potential windstorm damage.

Home and Auto Insurance Tips You NEED to Know About!

By | 2018-05-17T12:15:28+00:00 7:03 pm|Categories: blog, Personal|Tags: , , , |

While there are no "magic" bullets in solely reducing the cost of home owners insurance - there are some tricks than can be used to help make the homeowners and auto insurance more affordable.