florida home insurance

Florida Sinkholes

Hello everyone.   With the recent media attention sinkholes have received over the past month or so here in Florida and my experience as with Florida Home Insurance, I thought I’d take a few moments to chat with you about how you might be affected. First, let me ease any fear you, as a homeowner here in Florida, might have.  Most consumers do not know that there are two types of sinkhole...

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Senate panel unveils draft bill overhauling property insurance market

The Senate Banking and Insurance Committee released the rough sketches of a bill imposing massive changes on the property insurance market Wednesday, attempting to move as much of the state’s risk into the private sector as possible.   As drafted, the bill: * reduces the size of the Florida Hurricane Catastrophe Fund, * allows private companies to share the risk of individual policies with...

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Florida Home Insurance and the Flood Insurance Exclusion

Most Florida Homeowners are unaware that their policies do not cover damages caused by flood.  Damage to property caused by flooding are covered through flood policies offered through the National Flood Insurance Program.  Focus Insurance Group offers such policies, with rates starting at $129 per year.  Preferred Risk Policies are available to those whose homes are located in moderate-to-low...

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Break-ins and what Florida Homeowners can do to stop them (Part 1)

You hear of read about it almost every day.  Crime statistics show that a home is broken into almost every 13 seconds.  Here are a few things you can do to make sure it doesn’t happen to you. 1.  Harden the Target-  Lock your doors.  As easy as it sounds, some people still keep their doors unlocked.  Use a heavy-duty deadbolt with a one inch throw bolt.  When you move into a new house or...

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Florida Homeowners ask, “How do I take inventory of my personal property in the event of a claim?”

Florida Homeowners Insurance This is one of the most common questions asked of Focus Insurance Group when discussing coverage with a client.  Every Florida homeowner asks their Florida Insurance Company, “How do I take inventory of my personal property in the event of a claim?” to make sure they are properly protected in the event of a claim and that their personal property will be...

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