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The largest difference between the two types of policies are that an HO3 policy is specifically for a house that is owner occupied and an HO6 policy was created for a condo unit owner. The HO3 policy is a mixture of named perils and open perils coverage. The HO6 policies tend to be fully named peril policies. READ MORE >>

On the morning of December 11, 2019 one of South Florida’s largest car dealerships was paralyzed by a cyber attack. Arrigo Automotive Group was a hacked with ransomware during one of the busiest months of the year for the local dealership. The hack left employees without work for days until new computers were installed at a price tag of $285,000. READ MORE >>

House fires can happen very fast and sometimes they can be deadly disasters. There are many precautions you can do to avoid a kitchen fire: 1)      Install a smoke detector close to the kitchen to sense a fire, but not close enough that it will trigger every time you cook something a bit smoky or steamed. READ MORE >>

The feeling of retirement is like no other. Now that you don't have to commute to work, it may be time to consider adjusting your auto insurance. Your policy should reflect the way you drive on a daily basis. During retirement, that may mean different habits to take into consideration. READ MORE >>

Nearly every home has a washing machine. And if there is a malfunction, it can cause substantial damage to the home. A faulty washing machine supply line is the most common cause. When the supply line malfunctions, it causes water to leak from the drain line and pour out to damage floors and baseboards. READ MORE >>

Running an office means managing a group of people. It also means maintaining the safety and security of the space. You may spend time ensuring the equipment is running right, too. All of this presents risks to a company. Business insurance helps minimize those risks. READ MORE >>

Florida summers are extremely hot, rainy and packed with humidity — creating the perfect environment for mold growth. But you don't have to let mold take over! You can take the following steps to prevent mold growth in your home. Keep a functional and well-maintained air conditioner unit on hand to keep humidity at a minimum. READ MORE >>

A pet is like a member of the family, but one with the ability to do destructive damage. In some situations, this damage becomes costly. Home insurance may help cover some of your losses. However, these policies typically do not extend to most common situations. READ MORE >>

February is known as the "Love Month." And along with love comes jewelry purchases. It's important to protect our expensive jewelry by insuring them on a scheduled per item basis on a jewelry policy. Why is that important? As an insurance professional, we hear clients say "I already have homeowners insurance that will cover my jewelry items. READ MORE >>

How much is your auto insurance deductible? If you are not sure, you can (and should) check your car insurance policy. The deductible is the amount you must pay before your policy's coverage kicks in to help cover your losses. This number ranges widely. However, you do have some control over it. READ MORE >>

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