For many Florida homeowners, installing a pool seems like a great way to get outside and enjoy the Sunshine State’s warm climate. But while buying a pool can be tempting, it’s important to consider how it can impact your homeowners insurance rates.

Pools are what are known as ‘attractive nuisances’ in the insurance industry. Due to the liability risks they present, they often result in higher insurance rates, making it essential to consider whether or not the long-term cost is worth it.

To help you decide whether or not buying a pool is the right choice for you, here’s what to know about how pools impact homeowners insurance in Florida.

Pools and Home Insurance: The Basics

Homeowners insurance provides protection against a range of risks, from fire and theft to liability for injuries that occur on your property. When you have a pool, it introduces a new set of risks, and insurance companies take these into account when calculating your premiums.

...

From warm, sunny weather to incredible beaches and a vibrant culture, there’s a lot to like about living in Florida. However, living in this coastal state is not without its challenges. Hurricanes are a yearly threat that homeowners need to stay prepared for.

To protect your home and belongings from these storms, you'll want to have a solid understanding of hurricane insurance deductibles. Understanding the difference between standard deductibles and hurricane deductibles can help you maintain peace of mind and financial security during hurricane season.

Here’s a closer look at the intricacies of hurricane insurance deductibles, how they work, and everything else you need to know about hurricane deductibles in Florida.

Hurricane Insurance Deductibles: The Basics

Just like your regular homeowners insurance, hurricane insurance is designed to protect your property. However, it operates a bit differently, primarily due to the unique risks associated with hurricanes....

Operating a trucking business in Florida can be a rewarding venture. As a trucking business owner, you play a vital role in keeping the economy moving by transporting goods across the state and beyond.

However, with this responsibility comes the need for comprehensive commercial trucking insurance coverage. Florida's diverse landscape presents unique challenges and risks for trucking companies, making it important to have the coverage you need to protect your business, your vehicles, and your drivers.

To help you protect your business and keep your trucks on the road, here’s what you need to know about the types of insurance you should consider for your Florida trucking business.

What Types of Risks Do Trucking Businesses Face in Florida?

Operating a trucking business in Florida exposes you to various risks and challenges unique to the transportation industry.

Here are some common risks that trucking businesses face in Florida:

● Highway accidents

●...

With the potential risks that Florida's geographic location presents, it's crucial to protect your upscale residence with the right insurance coverage. High-end homeowners insurance offers more comprehensive protection than standard policies for those with high-value homes.

Florida is a state known for its exclusive waterfront properties, upscale neighborhoods, and opulent estates. High-end homeowners insurance is particularly essential in Florida due to the state's exposure to natural disasters like hurricanes, floods, and tropical storms. These potential hazards can pose significant risks to luxury homes, making comprehensive coverage a necessity for high-end homeowners.

Here’s what you need to know about high-end homeowners insurance in Florida, including what it entails, why it matters, and how it provides protection for your home.

What is High-End Homeowners Insurance?

High-end homeowners insurance, also known as luxury homeowners insurance, is a specialized type of coverage designed to protect...

When it comes to homeowners insurance, many Florida residents wonder if they can benefit from any tax deductions. Considering the various expenses that come with owning a home, being able to deduct this expense could help save quite a bit of money.

While homeowners insurance provides essential protection for your property, it's important to understand the tax implications associated with it. Though homeowners insurance is generally not tax deductible in Florida, there are a few exceptions that may apply.

Here’s a closer look at whether homeowners insurance is tax deductible in Florida, the factors that determine tax deductibility, and helpful information to assist you in making informed decisions about your insurance coverage.

Understanding Homeowners Insurance in Florida

Homeowners insurance is designed to protect your home and personal belongings against unforeseen events, such as fires, theft, vandalism, and certain natural disasters. It typically covers the structure of your home,...

When it comes to protecting your home and its contents, insurance plays a crucial role. Living in the beautiful state of Florida means enjoying sunny days, stunning beaches, and a vibrant lifestyle. However, Florida is also prone to natural disasters like hurricanes, floods, and wildfires.

That's why it's important to consider hazard insurance to safeguard your property against unforeseen events. Hazard insurance can protect your home and personal belongings against a wide range of common hazards, including hurricanes, fires, theft, and vandalism.

To help you understand how this coverage can protect your property, here’s what you need to know about whether or not you need hazard insurance on your Florida home.

What is Hazard Insurance?

Hazard insurance, often referred to as homeowners insurance, is a type of coverage that protects your property from specific risks or hazards. It is designed to help you recover financially in case your home is damaged or destroyed due to covered...

If you own or operate a bar or nightclub in Florida, it's essential to protect your business from potential risks and liabilities by purchasing nightclub insurance. This type of business insurance can help protect your bar or nightclub if you are held liable for accidents such as kitchen accidents, customer injuries, over-serving customers, and more.

To help you better understand how nightclub insurance can protect your business, here’s a comprehensive guide that delves into the different types of insurance coverages available, who needs them, what they cover, the associated costs, and valuable tips for finding the right insurance policy tailored to your unique needs. Whether you're a seasoned business owner or just starting out, this information will help you make informed decisions to safeguard your establishment and ensure its long-term success.

Types of Insurance Policies For Nightclubs & Bars

To ensure your business is protected, it’s important to put together a comprehensive policy...

Small business product liability insurance is a vital component of protecting your business in Kendall, Florida. Understanding the ins and outs of this business insurance coverage can be instrumental in safeguarding your business's financial stability.

In this comprehensive guide, we’ll take a closer look at small business product liability insurance, including its importance, coverage details, considerations, and more.

What is Small Business Product Liability Insurance?

Small business product liability insurance is a type of coverage designed to protect your business from potential financial losses that may arise due to product-related claims. It safeguards your business in case a product you manufacture, distribute, or sell causes bodily injury or property damage to a third party. In essence, it provides financial protection if your business is held legally responsible for any harm caused by your product.

Coverage Offered by Small Business Product Liability Insurance

Product liability insurance...

Like most businesses, we started as a small team of people united by a mission to make life better for the community around us. The past 60 years have given us the precious opportunity to grow and expand to the point where we offer a full range of personal and commercial insurance products. We’ve made it this far thanks to our commitment to integrity and to our community, and we’re eager to continue that tradition for the next 60 years and beyond.

We are excited to announce that after much deliberation, we partnered and merged our agency with NSI Insurance Group effective October 1, 2022. NSI was established over 50 years ago and has an impeccable reputation in our industry.

We’re All About You, South Florida

Our passion for the people we serve is matched by our commitment to compliance and best practices. Our clients and carrier partners will continue to enjoy the excellent relationship we have established over the years. This partnership with NSI will provide resources and opportunities to better serve you, our loyal clients, and we could not...

If you own a Limited Liability Company (LLC), you might think that your personal assets are safe from any business-related claims or lawsuits. However, this is not always the case.

An LLC can protect your personal assets from being seized in the event of a lawsuit or debt, but it does not protect your business from every possible financial loss. This is where business insurance comes in.

To help you better understand how business insurance can protect your LLC, here’s an overview of what business insurance covers, who needs it, and how much it costs.

What Does Business Insurance Cover?

Business insurance is designed to protect your company from financial losses due to unexpected events, accidents, or lawsuits.

The specific coverage depends on the type of policy you purchase, but some of the most common types of coverage include:

● Liability insurance

● Property insurance

● Auto insurance

● Worker's compensation insurance

● Business income insurance

In some cases, certain...

If you own a restaurant, you need to have the right insurance coverage in place to protect your business, employees, and customers against a variety of common risks. From general liability insurance to workers’ compensation insurance, there are several types of coverage restaurants need to protect against potential damages.

If you’re worried about the potential cost of restaurant insurance, the good news is that it is typically very affordable, and you can save even more by shopping around, comparing quotes, and searching for discounts.

To help you understand more about your coverage options, here’s what you need to know about what restaurant insurance covers and how much it costs.

[Request A Quote]

What Does Restaurant Insurance Cover?

Restaurant insurance includes various types of business insurance that provide coverage for a variety of risks that restaurant owners may face.

Some common types of coverage for restaurants include:

1. ...

Like any business, restaurants need insurance to protect themselves and their customers against various risks. From customers being injured in slip-and-fall accidents to property damage and employee injuries, restaurants face several hazards that can result in severe financial damages if they don't have the right coverage.

Given the number of daily risks that restaurant owners face, it can be challenging to determine which coverage they need and how much they need to ensure they have comprehensive protection. To help, read on for an overview of the types of insurance policies restaurants need to ensure all your bases are covered. Or, contact us at NSI Insurance Group to compare quotes and receive a complimentary consultation.

Request a Quote

What Types of Insurance Do Restaurants Need?

The types of insurance coverage that a restaurant needs depend on various factors, such as the size of the restaurant, the number of employees, and the restaurant's location....

In Miami, FL, business insurance is crucial for business owners who want to protect their assets and minimize financial losses. But with so many coverage options, it can be overwhelming if you are unsure where to start. Fortunately, our team at NSI Insurance Group is here to help.

In short, business insurance can protect business owners against liability, property damage, and loss of income. To help you find the coverage you need, read on for an overview of the most common types of business insurance. Or, contact us today to request a free quote and complimentary consultation.

Request a Quote

Types of Business Insurance

There are various types of business insurance — some necessary for all kinds of businesses, while others are designed for businesses in specific industries. While the exact coverages you need will depend on your industry and the risks you face daily, here are some of the most common insurance coverages.

...

If you own an RV in Kendall, Florida, you may be wondering how to find the right insurance coverage to protect your investment.

RV insurance is a must-have for anyone who owns a recreational vehicle, as it provides financial protection in case of accidents, theft, or other incidents. Without this coverage, you may have to pay for property damages and other expenses out of your own pocket after an accident. To help you find affordable coverage that protects you while on the road, here's a closer look at everything you need to know about finding RV insurance in Kendall, FL.

Request A Quote

What Is RV Insurance?

RV insurance is a type of insurance that covers recreational vehicles, including motorhomes, travel trailers, fifth-wheel trailers, and camper vans. RV insurance typically includes a range of coverage options, such as:

● Collision coverage

● Comprehensive coverage

● Personal injury protection

● Uninsured/underinsured...

Car and motorcycle insurance are essential for anyone who owns a vehicle in Kendall, FL. Insuring your vehicle will help you stay safe while on the road and ensure you can cover any damages you incur if you are involved in an accident.

While finding the right insurance policy might seem complicated, it doesn't have to be. By understanding the steps involved when shopping for car and motorcycle insurance, you can find an affordable policy that offers the coverage you need. Here's your complete guide to finding car and motorcycle insurance in Kendall, FL.

Request A Quote

Car Insurance in Kendall, FL

When it comes to finding car insurance in Kendall, FL, there are a few things you should know. First, Florida is a no-fault state, which means that each driver needs to file a claim with their insurance company to cover their own damages in the event of an accident, regardless of who is at fault. The minimum requirements for car insurance in Florida are $10,000 in...

Headquartered in the heart of South Florida, NSI Insurance is an independent insurance agency proudly serving Kendall, FL, and surrounding cities. Here, we offer a full range of commercial and personal insurance policies by working with the top insurance carriers in The Sunshine State.

The NSI Advantage

There are many benefits of working with an independent Kendall insurance agency like NSI Insurance, including:

More Choices

While captive insurance agents can only provide quotes and policies from a single carrier, our independent agents have the freedom to work with multiple carriers across the state to find you the best coverage at the best rate

Personalized Service

With over 50 years of experience in the insurance industry, finding the best coverage for the best rate is nothing new to us! Located in the heart of Miami, our independent agents have a deep understanding of the South Florida community, which reflects in the level of service we provide. Here, our agents do more than provide...

There are so many reasons to fall in love with South Florida. From the white sandy beaches that cover the coast to the vibrant street art of Miami, there’s never a shortage of ways to explore The Sunshine State. And while South Florida is a beautiful place to visit, it’s even better when you can call it your home.

At NSI Insurance, we offer home insurance in Kendall, FL, to help protect your most valuable assets. Here’s what you need to know to find the best coverage for your home in The Sunshine State.

Average Home Insurance Cost in Florida

Homeowners insurance in Kendall and other Florida cities is often more expensive than in other parts of the country. These higher premiums are mainly due to the frequency of hurricanes, tropical storms, and other natural disasters. On average, the cost of home insurance in Florida is $4,218 compared to the national average of $2,777.

As the risk of...

Florida’s home insurance market is very volatile, and as insurance companies continue to leave The Sunshine State, it’s becoming increasingly difficult for homeowners to find affordable insurance policies. Since the start of 2022, many insurance companies have announced that they either intend to scale back their offerings or leave Florida altogether. For example, companies like Weston Property & Casualty Insurance have gone insolvent, leaving their customers uninsured. But as few insurance companies remain in the state, home insurance rates continue to rise.

But why are insurance companies leaving Florida? Read on to learn more. And, if you are a Miami homeowner looking for new coverage, remember to reach out to our team at NSI Insurance to compare multiple quotes. As a locally owned independent insurance agency, we’re always here to help you find the best coverage for the best price.

Request A Quote

...

Homeowners insurance in Miami and other Florida cities is often more expensive than in other areas of the country. Due to the frequency of hurricanes, tropical storms, and other natural disasters, insurance carriers are taking on more risk by insuring Florida homes, resulting in higher premiums for homeowners.

While it can be difficult to get competitive coverage rates in Florida, there are steps homeowners can take to find affordable homeowners insurance policies. From comparing quotes from multiple carriers to bundling your insurance policies, there are many ways Miami homeowners can minimize their premiums. Here are nine helpful tips on finding affordable homeowners insurance in Miami.

9 Tips for Finding Affordable Homeowners Insurance in Miami

1. Compare quotes

One of the most effective ways to ensure you get the best possible homeowners insurance rate is to compare quotes from multiple carriers. When requesting quotes, remember to request quotes based on the same...

At NSI Insurance, one of the most commonly asked questions we hear is, “Why does my insurance company want to inspect my house?” There are a few reasons! After purchasing home insurance, your insurance company may require a home inspection to ensure your property meets its standards. During this time, they can assess the risk of providing you with coverage. If your home is in poor condition or hazards are present, the insurance company may choose to cancel your policy—unless you fix any noted issues within a reasonable amount of time. If you’re preparing for an inspection, here’s what you need to know.

Why Do Insurance Companies Require Home Inspections?

Insurance companies require inspections for liability and risk management. Inspections may be required if you are a new customer, if your home has a relatively old build date, or if the insurance company needs to determine your property’s value and replacement cost.

Home inspections can also be beneficial for homeowners and home buyers. During your inspection, potential hazards—unbeknownst to...

Hurricanes are an inevitable part of life in Florida, and one of the best ways homeowners can prepare for these natural disasters is by purchasing coverage for storm damage. Remember, although most homeowners insurance policies do include some form of hurricane coverage, you very likely may need to pay a separate hurricane deductible depending on your policy and your location. For that reason, a separate hurricane insurance policy can be a wise choice. Here’s what you need to know about hurricane insurance in Florida, including what it covers and how much it costs.

What Does Hurricane Insurance Cover in Florida?

Hurricane insurance covers damages from windstorms. Always review your home insurance policy to understand what is and is not covered by windstorm insurance. Generally speaking, home insurance will cover damages to your home’s primary structure, detached structures, and personal property that are caused by a hurricane. Your home insurance policy will also typically cover additional living expenses that you incur after being displaced by a...

With its subtropical, coastal location, amazing beaches, and sunny weather, Florida is one of the most desirable places to live in the United States. However, the Sunshine State’s biggest drawback is its vulnerability to hurricanes. As the recent Hurricane Nichole has shown us, Florida’s hurricane season can extend all the way into November, making it important for homeowners to understand what to do after going through a hurricane.

At NSI Insurance, we want to help ensure that Florida homeowners are prepared if a hurricane passes through their communities. Read on to learn more about what to do after a hurricane in Florida, and consider bookmarking this checklist for future reference.

Request A Quote

What to Do After a Hurricane in Florida

Living in Florida means living with the reality that hurricanes are a major risk for about half of the year. While this shouldn’t sway you from living in the Sunshine State, it makes it important for all Florida residents to understand...

Roof storm damage can include damaged or missing shingles, holes, dents, or other issues that can compromise the structural integrity of your home. Florida homes are very vulnerable to storm damage due to their coastal location. If a storm damages your roof, it’s important to act quickly to repair or replace your roof to prevent further damage to your home.

If it’s your first time dealing with something like this, it can feel a little overwhelming. But, by working with a trusted insurance provider like NSI, you can get the coverage and customer support you need to recover from such an event. Here’s what you should do if your roof is damaged by a storm.

Does Home Insurance Cover Roof Damage?

Homeowners insurance does cover roof damage provided that the damage is caused by a covered peril. A typical homeowners insurance policy will cover several common hazards, including:

● Storms

● Hail

● Lightning

● Fire

● Falling objects

If your...

Whether you’re a first-time homeowner or you recently moved to Florida, you’ll need homeowners insurance to protect your home against natural disasters like hurricanes, floods, and other hazards. Though, if you’re new to Florida, it’s important to understand how homeowners insurance here is different than in other states. From roof requirements to higher-than-expected premiums, new Florida homeowners may be caught off guard when searching for a policy in the Sunshine State.

To help you get started, read on for your complete guide to getting homeowners insurance in Florida. Afterward, if you’re ready to start exploring your options, contact our team at FIB Insurance for a free homeowner’s insurance quote.

Get Your Quote

What Does Homeowners Insurance Cover?

Homeowners insurance includes several coverages that can help protect your property and personal belongings against hazards like theft, vandalism, hurricanes, and fires.

These coverages...

When it comes to homeowners insurance in Florida, you’re likely to feel frustrated. The truth is that it isn’t easy to find a policy. This is true for a couple of reasons. First, we know that homeowners are at high risk of hurricane and storm damage due to the state’s coastal location. As a result, premiums are often higher, and depending on their specific location, it may be difficult to find coverage. To make things even more difficult, Florida residents need to understand roof requirements for homeowners insurance. If your roof is too old or in poor condition, you may be denied coverage until you repair or replace your roof.

Luckily, FIB Insurance is here to help you stay covered! Read on to learn everything you need to know about roof requirements for homeowners insurance in Florida. Afterward, remember to explore your options by requesting a free quote for a new homeowners insurance policy with FIB Insurance.

Get Your Quote

...

Water damage is a leading cause of homeowners insurance claims. Yet, the answers are murky when it comes to knowing whether these damages will be covered or not. So, how do you know if your plumbing repairs will be covered? And most importantly, when do you know to push back on a claim that is denied by your homeowners insurance policy? Our team at NSI Insurance is here to answer all your questions! Read on to learn more.

Covered vs. Uncovered Plumbing Issues

Plumbing issues, like burst pipes or leaks, may be covered if they are sudden or unexpected. However, plumbing issues that result from negligence or a lack of maintenance are often not covered. This highlights the importance of having a plumbing maintenance checklist to address small issues before they become emergencies.

The most important thing to remember concerning homeowners insurance coverage for plumbing issues is that it typically only applies to unexpected and sudden damages. It...

Homeowners depend on homeowners insurance to protect their property and personal belongings against common hazards, ranging from theft and vandalism to fires and windstorms. Lenders also typically require borrowers to have homeowners insurance before being approved for a mortgage, making it a necessity for anyone that wants to purchase a home.

Unfortunately for Florida homeowners, home insurance premiums are often more expensive in the Sunshine State than elsewhere in the United States. This can make it difficult for Florida residents to find affordable policies that offer sufficient coverage against common disasters.

Read on to learn why homeowners insurance premiums are higher in Florida and what you can do about it.

Why Is Homeowners Insurance Expensive in Florida?

Florida residents may be faced with higher homeowners insurance premiums due to the simple fact that there is a greater risk of natural disasters that can cause extensive damage.

Due to Florida’s location between the Atlantic Ocean and the Gulf of Mexico, the...

Homeowners insurance protects your home and personal belongings against a variety of common hazards, including fires, windstorms, vandalism, theft, and more. But if you own any rental properties, you’ll need rental property insurance as standard homeowners insurance policies do not cover properties that you don’t live at.

While there are some special circumstances in which homeowners insurance might cover a rental property, in most cases, you’ll need rental property insurance to cover the unique risks that come with letting a tenant occupy your property.

Here’s what you need to know about whether or not homeowners insurance covers rental properties.

Request A Quote

Does Homeowners Insurance Cover Rental Properties?

Homeowners insurance offers several standard coverages to help protect your personal belongings and primary residence against common risks. These...

Depending on where you live, it may be necessary to purchase flood insurance to protect your home and personal belongings against severe water damage. Homeowners insurance doesn’t cover flood damage, making flood insurance an important consideration for homeowners in areas that are at high risk of floods.

For homeowners in hurricane-prone areas, flood insurance may not cover all of the damages that result from a hurricane. While it does cover flood damage caused by hurricanes, it doesn’t cover damages to your home or personal property caused by strong winds, lightning, or other conditions that may be present during a hurricane. Here’s everything you need to know about whether or not flood insurance covers hurricane damage. Or, if you’re ready to get covered, contact our team at FIB Insurance for a free quote.

Request A Quote

What Is Flood Insurance?

Flood insurance covers damages to your home that are caused by flooding. Standard...

Due to the warm climate, homeowners in Miami often have pools or consider installing pools to stay cool during the summer months. But does having a pool affect your homeowners insurance policy? Read on to find the answer. For immediate questions about Miami, Florida, homeowners insurance, or if you are looking to upgrade or change your current policy, request a free quote from our team at FIB Insurance.

What Does Homeowners Insurance Cover?

Homeowners insurance covers damage to your home and property, including your pool, against a variety of hazards. Remember, having a pool means you have one more thing that you need your insurance to cover. As a result, this requires you to adjust your coverage and your rates.

Pool owners should also consider increasing their liability coverage as having a pool makes accidents on your property more likely to occur. A standard homeowners insurance policy includes several coverages designed to protect you, your...

Homeowners insurance provides comprehensive coverage to protect your home and personal belongings against damages caused by common hazards. To fully understand what your policy covers, it’s important to review your homeowners insurance declarations page.

To stay safe during hurricane season, homeowners need to make an evacuation plan, prepare an emergency kit, and protect their homes against potential damages caused by hurricanes and tropical storms. Here are 10 steps to prepare for a hurricane.

Homeowners insurance provides coverage against a wide range of common disasters, ranging from hurricanes and fires to vandalism and theft. Florida homeowners, in particular, are often more susceptible to damages from hazards like hurricanes and sinkholes due to their location.

Since sinkholes are such a common occurrence in Florida and the Miami area, insurance providers are required to offer endorsements that cover sinkholes. While this coverage is not required, homeowners should strongly consider purchasing it if they live in an area that is susceptible to sinkholes.

Here’s everything Florida homeowners need to know about whether or not homeowners insurance covers sinkholes.

What is a Sinkhole?

A sinkhole is a depression in the surface of the ground that occurs when the surface layer of the ground suddenly collapses. When this occurs near a house, it can cause extreme damage to the home’s structure and foundation. In some cases, sinkholes can even completely destroy a property.

Damages caused by sinkholes can be extremely costly to...

Homeowners insurance offers essential coverage that protects your property and personal belongings against a variety of common hazards, ranging from theft and vandalism to fires and storms. But if you own an expensive, high-value home, standard homeowners insurance may not be enough.

If you own a high-value home, you may want to consider purchasing high-value homeowners insurance to ensure your home has adequate coverage. For standard home insurance policies, the dwelling coverage may not fully cover the features of your home. High-value home insurance provides higher coverage limits and unique coverages designed specifically for high net worth homeowners.

Here’s everything you need to know about high-value homeowners insurance in Miami, FL.

Request A Quote

Why Do You Need High-Value Homeowners Insurance?

The classification of high-value homes vary depending on where you live, but typically a high-value home has a replacement cost of $750,000 or more. This...

Homeowners looking for ways to save during tax season may be wondering if their homeowners insurance premiums are tax deductible.

In general, the answer is no. You typically can’t deduct your homeowner insurance premiums from your taxes. However, homeowners that work from home, rent out their homes, or have made claims that were denied may be able to claim certain deductions on their taxes.

Here’s what you need to know about whether or not homeowners insurance is tax deductible in Florida.

Request A Quote

Is Homeowners Insurance Tax Deductible?

The short answer is no. In most circumstances, homeowners insurance is not tax deductible in Florida or anywhere else in the United States. This means that you cannot itemize any payments for home insurance on your tax return, including payments for fire, theft, or comprehensive coverage.

There can be some exceptions to this. For example, if you rent out your home or use a part of your home as a home office, you may be...

Due to the extreme weather conditions often present in Florida, residents need homeowners and hazard insurance to protect their properties against a variety of common risks. From hurricanes to fires, hazard insurance can help you repair or rebuild your home if it is destroyed by a covered hazard.

Hazard insurance is part of every standard homeowners insurance policy and is essential to keeping your property safe. Mortgage providers also typically require homeowners to have hazard insurance before being approved for a loan, making it a necessity for anyone that wants to purchase a home.

Here’s what you need to know about whether or not you need hazard insurance on your Florida home.

Request A Quote

What is Hazard Insurance?

Hazard insurance is the portion of your homeowners insurance policy that protects your home against common disasters. This may include perils like fires, hurricanes, windstorms, theft, and more.

Hazard insurance generally refers to the...

Your roof protects your home from the elements, and any damage to your roof can also lead to interior damage due to rain, storms, and other hazards. In areas like Miami, your home’s roof may be even more susceptible to damage due to harsh weather conditions.

Understanding what factors contribute to roof damage and how you can mitigate roof damage can help you avoid costly repairs and protect your home’s interior. Here’s everything you need to know about how long your roof may last and what you can do to increase its lifespan.

How Long Does a Roof Typically Last?

The lifespan of your roof largely depends on what materials it is made out of. In Miami, shingles are commonly used due to their low cost and great durability. Standard asphalt shingles can last up to 20 to 30 years, but in Florida, they may not last quite as long due to the high heat, moisture, and storms that they are exposed to.

Alternatively, some Miami residents may choose to use tile roofing. When properly maintained, tile roofs can last upwards of 50 years due to their...

Homeowners insurance companies can cancel your policy for a number of reasons. This can be very worrying as it leaves you and your home vulnerable to a variety of common hazards.

If your homeowners insurance policy is cancelled, it’s important to act quickly to find a new policy that suits your coverage and financial needs.

Here’s everything you need to know about what happens if your homeowners insurance is cancelled.

Request A Quote

Homeowners Insurance Cancellation vs. Non-Renewal

Homeowners insurance cancellations and non-renewal notices both indicate that your insurance company does not plan to continue providing coverage to you, but there are a few differences between the two.

Your insurance company can typically cancel your policy within 60 days of the policy’s inception for any reason. After this period, they usually only cancel your policy if you stop paying your insurance premiums or if you violate the terms of your policy.

If you stop paying...

Home insurance covers a wide range of common hazards, including fires, windstorms, theft, vandalism, and more. But when it comes to water damage, it can be a little confusing to determine what your home insurance policy does and does not cover.

Most home insurance policies cover some types of water damage, including water damage caused by overflowing appliances, but other types of water damage, like floods and sewage backups, are often not covered.

Here’s what you need to know about whether or not home insurance covers water damage.

[Request A Quote]

Home Insurance Coverages

Home insurance policies include two main coverages that can help protect your home and personal belongings against certain types of water damage, including:

● Dwelling coverage: Dwelling coverage helps pay to repair or rebuild your home when it is damaged by a covered peril, which may include water damage from...

Taking advantage of low interest rates is the primary reason most homeowners decide to refinance their mortgages. By refinancing your mortgage and securing a lower interest rate, you can save significant amounts of money in the long term.

But it’s important for homeowners to know when refinancing is and isn’t a good idea.

Even if mortgage interest rates are dropping, the decision to refinance your home should be based on several factors, including your personal financial circumstances.

Here’s what you need to know about refinancing your home, including how it works and factors you should consider.

Request A Quote

How Does Refinancing Work?

Refinancing your home means you are taking out a new mortgage to replace your existing mortgage. This process can help homeowners secure lower interest rates, adjust their mortgage repayment period, or add to or withdraw from their home equity.

When refinancing your home, you use the funds from your new mortgage to pay...

One of the primary factors that impacts your homeowners insurance rate is your dwelling coverage limit, which is typically based on the replacement cost value of your home. The higher your home’s replacement cost value is, the higher your home insurance rate is likely to be.

Replacement cost value is based on the cost to rebuild your home from the bottom up to its original quality, including construction and materials costs. As the cost of building materials has been on the rise, home insurance rates have also increased.

To help you understand these rising costs, here’s what you need to know about homeowners insurance and the rising cost of building materials.

Request A Quote

Replacement Cost Value & Actual Cash Value

Homeowners should understand the difference between replacement cost value and actual cash value as it directly relates to their dwelling coverage limit.

Replacement cost value is the total cost, including construction and building materials,...

Home insurance protects homeowners against a variety of common hazards ranging from storms and fires to vandalism and theft. But what about mold?

Mold can pose serious health hazards and can be quite costly to remove. Whether or not your home insurance policy covers mold largely depends on the source of the mold. For mold removal to be covered, its underlying cause must be one of the covered perils named in your insurance policy.

To help you better understand your coverage, here’s what you need to know about whether or not home insurance covers mold.

Request A Quote

When Does Home Insurance Cover Mold?

Mold is typically only covered by home insurance if it is caused by one of your policy’s named perils. You can refer to your policy’s declarations page to find out what perils you are covered against.

For example, if your home’s water heater bursts and the resulting water damage causes mold growth, your home insurance policy should cover the damages.

Your...

Homeowners that live in coastal cities like Miami are more likely to experience damages caused by a hurricane, tropical storm, or another type of windstorm. To protect your home against these natural disasters, it’s important to have the right insurance coverage in place.

In most cases, homeowners insurance does include coverage to protect homeowners against damages caused by hurricanes and other windstorms. But depending on your insurance provider and where you live, this coverage may be excluded, or you might be required to pay a special hurricane deductible.

Here’s what you need to know about whether or not homeowners insurance covers hurricane damage.

Request A Quote

Does Home Insurance Cover Hurricane Damage?

If your home is damaged by hurricane wind, your home insurance policy will likely cover the repair costs up to your coverage limits. Wind is typically one of the named perils covered by standard homeowners insurance policies. Be sure to review your policy,...

Homeowners in Miami and throughout Florida need to be prepared for common natural disasters like hurricanes and tornadoes. When these disasters hit, they can cause extreme damage to your home and personal belongings, making it important to have windstorm coverage to protect your property.

Windstorm insurance offers the coverage homeowners need to protect their homes against damage caused by windy weather patterns, which includes hurricanes and tornadoes. While this coverage is often included in home insurance policies, those that live in high-risk areas may have to purchase a separate wind insurance policy to get the protection they need.

Here’s everything homeowners need to know about windstorm insurance in Miami, FL.

Request A Quote

What is Windstorm Insurance?

Windstorm insurance provides coverage for homeowners that protects them from damages caused by certain types of windstorms, like hurricanes and tornadoes.

Homeowners in areas like Miami are...

Finding the right home insurance company can help you get the comprehensive coverage you need at an affordable price. Whether your current policy doesn’t meet your needs, is up for renewal, or you’re not happy with your current insurance company’s service, it might be worth shopping around for a new home insurance company.

While switching home insurance is a relatively straightforward process, there are a few important considerations to keep in mind before making the move to a new insurance company.

To help you find a home insurance policy that meets your needs, here are a few important tips to keep in mind when switching home insurance companies.

Request A Quote

When to Switch Home Insurance Companies

If you’re not satisfied with your home insurance company’s service or your home insurance policy itself, it might be time to consider switching...

Home insurance offers several different coverages to protect homeowners from several different hazards and risks. One such coverage is loss of use coverage, which offers financial assistance to help homeowners cover their additional living expenses if their home becomes temporarily uninhabitable due to a covered peril.

If a fire, storm, or another covered event destroys your home and forces you to temporarily live elsewhere, loss of use coverage can help you cover your additional expenses so that you can maintain financial stability and peace of mind while your home is being repaired.

To help you better understand what protections your home insurance policy offers, here’s what you need to know about loss of use coverage.

Request A Quote

What is Loss of Use Coverage?

Loss of use coverage, also known as additional living expenses (ALE) insurance or Coverage D, reimburses homeowners for basic living expenses if their home is destroyed by a covered peril, like a house...

Home insurance is a necessity for any homeowner. It helps protect you, your family, your home, and your personal property from a variety of common hazards, ranging from fire to theft. Moreover, almost all mortgage companies require borrowers to have sufficient home insurance coverage before approving a loan.

But finding the right homeowners insurance policy isn’t always easy. It’s important to find a policy that offers the coverage you need to satisfy your mortgage requirements and protect all of your property while remaining within your budget.

Here’s everything you need to know about how to choose the right home insurance policy.

Request A Quote

What Home Insurance Covers

Homeowner’s insurance policies are very customizable, but almost all of them contain the same basic coverages, including:

● Dwelling coverage

● Other structures coverage

● Contents coverage

● Personal liability coverage

● Medical payments...

Homeowners need to be prepared to deal with unexpected events. Whether a storm causes a tree to fall on your home, a pipe bursts, someone breaks in, or your home catches on fire, it’s important to know how to file a home insurance claim so that you can get compensation for damages.

The home insurance claims process is relatively straightforward, fortunately, but if you’ve never had to file a claim before, it may seem overwhelming at first. To get compensation for your damages, you’ll need to report a claim, record all damages, and work with an insurance adjuster.

To help you get a better idea of how to complete this process, here’s what you need to know about how home insurance claims work.

Request A Quote

How Long Do You Have to File a Claim?

If you have suffered any damages that are covered under your home insurance policy, you should make sure to file a claim as quickly as possible in order to receive a settlement and make the necessary repairs.

The deadline...

Home insurance offers invaluable coverage for homeowners that helps protect their homes and personal belongings from a variety of common hazards. From fires to theft, homeowners insurance can help cover the damages caused to your property by a covered peril.

But every homeowner’s needs are different, and it can be difficult for homeowners to determine how much home insurance coverage they need. By being able to determine how much coverage you need, you can ensure your entire property and all of your personal belongings are covered without paying excessive premiums.

Here’s what you need to know about determining how much home insurance you need.

[Request A Quote]

What Does Home Insurance Cover?

To determine how much home insurance you need, it’s important to understand what is and is not covered by home insurance.

A standard homeowners insurance policy includes the following coverages:

● Dwelling coverage

● Personal property coverage

●...

Home insurance provides financial protection for homeowners. If your home or personal property is subjected to damages caused by a covered peril, a homeowner’s policy may reimburse you up to your coverage limit. Home insurance provides invaluable coverage and is typically required by mortgage lenders, making it essential for homeowners to purchase a policy before moving into their new homes.

Standard home policies contain many of the same coverages and features. By understanding what your policy covers, you can better prepare for the future and take care of your most valuable assets. Here’s a closer look at what a standard home insurance policy does and does not cover.

Request A Quote

Homeowners Insurance Coverages

Most home policies offer the same six basic coverages, which include:

• Dwelling
• Other structures
• Personal property
• Personal liability
• Medical payments
• Loss of...

Homeowners insurance protects your home and personal belongings against common hazards, ranging from theft to fire and everything in between. But if you own a high-value home with high-end appliances and valuables, a standard homeowners insurance policy won’t offer the higher coverage limits and other benefits you need to remain fully covered against potential damages.

High-value home insurance features several unique perks and benefits alongside higher coverage limits to provide more comprehensive protection for high-net-worth individuals. If you live in a home with a high replacement cost, it’s important to consider purchasing this coverage to ensure your home and assets are fully covered. To help you determine whether or not this coverage is for you, let’s take a closer look at what high-value home insurance is and what it covers.

If you’re ready to request a quote, reach out to FIB Insurance today. Our expert agents are ready to help you find the best policy for your needs.

...