Auto
What Coverage Do I Really Need on a Financed Car in Florida?
State minimums vs. what the bank actually requires. We break down comp, collision, and GAP for Miami drivers.
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🌪️ Home & Safety
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Hurricane Season Prep: 7 Insurance Moves to Make Before the Storm
Deductibles, waiting periods, and flood vs. homeowners. Here is the winning strategy to secure your assets before the season starts.
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Auto
Auto
Florida UM Coverage Explained: The Unchecked Box
Why Florida has so many uninsured drivers and why Uninsured Motorist coverage is critical for your safety.
Auto
5 Mistakes Miami Rideshare Drivers Make
Driving for Uber/Lyft? Your personal policy might not cover you. Learn about endorsements and risks.
Auto
What Happens to Your Auto Insurance After a Claim?
Rate increases, when they happen, and why switching carriers blindly after an accident can backfire.
Home
Florida Home Insurance vs Citizens: How to Decide
Pros/cons of Citizens vs private market, surcharges, and how we shop both options for you.
Condo
Condo Insurance in Miami: What Your HOA Covers
Walls-in vs. walls-out? We explain why unit owners need their own coverage for interiors and liability.
Renters
Renters Insurance: Why Landlords Love It
Required limits for leases, liability vs. personal property, and why it's cheaper than you think.
Marine
Boat Insurance for Bahamas Trips
Navigation limits, Bahamas endorsements, and safety requirements for Miami boaters crossing over.
Marine
Agreed Value vs. Actual Cash Value on Your Boat
Claim examples for each and why 'Agreed Value' is critical for nicer boats and lenders.
Marine
Do I Need Insurance for My Center Console?
Even if it's paid off, you have liability exposure. We explain trailering, theft, and storm risks.
Marine
5 Things Miami Marinas Ask For
Liability limits, additional insured status, wreck removal, and other common marina requirements.
Health
HMO vs PPO in Florida
Network differences, referrals, and typical Miami use cases to help you decide which makes sense.
Medicare
Turning 65? 7 Medicare Decisions
The 3-3-3 rule, Part A/B, Advantage vs Supplement, and penalties to avoid. Don't leave this for last minute.
Life
Do Stay-at-Home Parents Need Life Insurance?
The value of unpaid labor is huge. We look at childcare costs and income replacement myths.
Life
Term vs Permanent Life Insurance
A simple guide for busy families. Pros/cons of each and when it makes sense to blend them.
Business
General Liability vs Professional Liability
GL vs E&O explained in plain language with examples for Miami contractors and consultants.
Business
Workers Comp for 1099 Contractors?
Clarifying common confusion, penalties, and why this is a huge risk area for small businesses.
Business
Why Your Landlord Asks for a COI
Certificates of Insurance, Additional Insured, and required limits. Avoid common tenant mistakes.
Business
5 Insurance Mistakes Miami Startups Make
No liability, wrong limits, mixing personal & business, and skipping cyber coverage.
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