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Home Insurance | Go Green this Spring!

Home Insurance | Saving money on your home’s energy bill is just what you need to fill your pockets with a little extra green this spring! Here are a few tips that will make your home an energy efficient “powerhouse.”

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Homeowners Insurance Quote | Ways to Fill Your Home with Love

It’s time to DTR (define the relationship) with your home. What better time to spread love than right before spring, the unofficial season of love? If you feel that your home needs a bit of a makeover, take the time now to reestablish your connection.

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Homeowners Insurance | Does The Policy Cover Everything?

The short answer is no. No insurance policy covers everything, regardless of its type. Here’s why: An insurance policy is a written agreement between you and an insurance company like American Integrity. In return for your payment (insurance premium), the insurance company agrees to assume the risk of financial loss that would otherwise be yours. “Risk” means a chance that an event may or may not happen – insurance is intended to cover unforeseen, accidental events.

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Homeowners Insurance Florida | Valentine’s Day and Integrity

According to Forbes, the 2017 jewelry market is expected to reach $257 billion. Of that, according to Statisticbrain.com, about 17% will be purchased for Valentine’s Day (nearly $44 billion). That’s a lot of value on fingers, around necks and wrists, in ears, and left in houses, apartments, hotels, and cars.

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Homeowners Insurance | A Rose by Any Other Name...Could Be Identity Theft

In recent years newspaper headlines, TV and radio news stories, and government warnings have reported on what seems to be an epidemic of identity theft (sometimes called “identity fraud”). In fact, Florida has the dubious distinction of being number one in the nation for identity theft.

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Whether a Pro or a Novice, Golf Cart Drivers Need an Insurance Buffer

Though golf carts are often associated with leisure and sunny skies, they also come with all of the potential perils that other forms of mechanized transportation present. And much like your car – a mode of transportation that can reach speeds over 20 mph – your golf cart can be subject to damage, collision, or theft.

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New Year's Resolutions for Your Home

When the ball drops at midnight on New Year’s, many of us start formulating those all-important resolutions. What are you going to do differently or better next year? Your resolutions can also be extended to one of the things you’ve worked hardest for in life – your home – as well as the insurance you have to protect it. Here are some ideas that could give you more peace of mind in the new year.

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Roofs Get Old or Damaged and Some Roofers Take Advantage

The roof is an integral part of any house; its purpose is both aesthetic and functional, preserving the belongings within the house and providing protection to the people who live there. In hot, tropical climates, roofs that are best at protecting from wind, rain and heat are favored, such as slate, terracotta, concrete tiles, reflective roofing, membrane roofing and photovoltaic shingles. In cooler and subtropical climates, other materials are favored, such as slate, wood or cedar shingles, or metal roofs. But whatever the roof type or material, it will deteriorate or become damaged over time.

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Are You Responsible for Irresponsible Tailgaters in Your Home?

A full house can turn any football game into a frenzy, and you may be left wondering - if there were to be an unexpected accident in your home, are you liable for your visiting tailgaters? The honest answer is, it depends. Here are some different scenarios that may or may not be in your home insurance playbook. Contact your agent today to find out about the coverage limits on your policy. Go team!

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Cheap Home Insurance | The Hazards of Halloween

Halloween can be a candy-filled triumph filled with costumes and laughter, but there’s a lot of preparation that goes into making it a safe one. Not only should you be frightened of the monsters and goblins that lurk in the darkness, but of the potential gaps in your Halloween preparation or even your homeowners insurance as well! A scary time, indeed.

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Cheap Home Insurance | Don’t Cry Over Spoiled Milk

You may be pleasantly surprised to learn that your homeowners insurance may kick in at unexpected times for various reasons (maybe even for that spoiled food in your fridge).

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Back to School: Will Your College Student’s Belongings Be Covered by Your Homeowners Insurance?

As your college student gets ready to head to campus, you may be wondering how their personal belongings will be protected if a theft, fire, careless accident, or other unfortunate incident should occur. Will their laptop, jewelry, and other items be covered by your homeowners insurance when they’re away at school?

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Top Five Things You Should Know About Florida Umbrella Insurance

Getting to know a new insurance policy can be as daunting as going on a blind date. There are some questions, mixed with long stares and a lot of “What if?” questions. That’s especially true when it comes to umbrella coverage, which helps protect you from some of the hypothetical scenarios you hope would never happen. But sometimes clichés are true: Bad things happen to good people. Life throws you a curveball. And it really only takes one liability curveball to affect your future.

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Home Insurance Quote Online | 9 Things Homeowners Forget to Do Once a Year

Having year-round backyard barbecues – just one of many reasons to love owning a home in the Sunshine State! But there are a few aspects of Florida home ownership that may not be so fun, like performing your necessary, routine maintenance tasks. Here are nine of the most common maintenance chores homeowners forget to complete (how many of these have YOU done so far this year?)

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Home Insurance Quote | Hurricane Season Is Here

With a bit of preparation and planning, you’ll weather any storm that comes your way this hurricane season. Stay safe and protected!

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Home Insurance Quote | 5 Great Habits That Will Keep You & Property Safer

Looking both ways before crossing the street, not running with scissors, keeping our hands off of oven burners – those are just a few lessons our parents instilled in us as children to keep us safe. But how about as adults? No doubt you've got that whole hot burner thing down by now, but what about other habits that can protect you, your loved ones and your stuff from injury or loss? Here are five great safety habits to adopt right now.

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Homeowners Insurance Florida | An Unfortunate (and Growing) Trend

AOB is typically used in certain lines of business such as auto insurance and property insurance. In the auto insurance arena, an insured signs an AOB which gives the auto body repair shop the ability to “stand in the shoes” of the car owner during the repair process to expedite the ordering of car parts or other needs during the auto repair claim cycle. The same is true with property insurance.

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Homeowners Insurance Online Quote | Storm Season 2016: Are You Prepared?

It’s the least wonderful time of the year for Floridians – hurricane season has arrived. From June 1 – November 30, meteorologists will be on the lookout for weather disturbances that could potentially turn into tropical storms – or worse. Because Florida has the greatest hurricane exposure in the country, now is the perfect time to recheck your preparedness for a major storm.

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Leaving a House (Vulnerably) Vacant...Nine Ways to Protect Your Unoccupied Home

You need special coverage if your home will be unoccupied for an extended period of time. Simply locking the door and asking someone to check in once in a while could be a costly mistake if your house is damaged or sustains some other type of loss while it is vacant.

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Homeowners Insurance Quote | The ROOF Truth: Hail Bent on Scamming Homeowners

Unscrupulous roofing contractors are scoping out neighborhoods with aging roofs, sometimes even manufacturing the damage themselves before knocking on unsuspecting homeowners’ doors to tell them they have hail damage and could receive a free new roof, courtesy of their insurance company.

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Holiday Safety and Savings

’Tis the season for holiday shopping; for cyber criminals, it’s the most wonderful time of the year. While you might think that beating the crowds is the biggest challenge you face on Black Friday and Cyber Monday, American Integrity Insurance wants to help you avoid risks even greater than missing out on that huge discount at your favorite store.

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Recent Rains Cause the Lack of Flood Insurance to Hit Close to Home

Even If You Don’t Live in a Flood Zone, All of Florida is Flood-Prone. Florida's recent torrential rains and the flooding they caused are a stark reminder that it's not just hurricanes that can wreak havoc here in the Sunshine State.

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Home, Safe Home: Protect Your Home by Installing a Security System

Life in Florida isn’t all sunshine, beaches and roller coasters – property located in Orlando, the amusement park capital of the world, is a whopping 142 percent more likely to be the site of a property crime than the national average, according to a study conducted by reviews.com.

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Insuring Insurance Companies: Why It's Important To Understand Reinsurance

Did you know your homeowner insurance company is insured? And that the amount of insurance it carries could have a huge impact if you have to make a claim due to a devastating event?

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Home Insurance | Understanding Condo Insurance

Understanding Condo insurance is tricky because it is not quite like a homeowner policy but not a renter's policy either, Condo insurance provides necessary protection for condominium owners when they need it.

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Assignment of Benefits: The Leak in Property Insurance That’s Costing Florida Homeowners Thousands

When a hurricane comes through Florida it’s like a burst pipe in a home. It’s a major event everyone pays attention to that can leave a lot of damage – fast and furious...

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Home Insurance Quote | 5 Questions Every Homeowner Should Ask

Your deductible is the amount “deducted” from the money you receive from your insurance company if you have a covered loss (claim)...

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Four Questions Every Homeowner Should Ask About Reinsurance

Your insurance company should have a robust reinsurance program, purchased through reputable reinsurance companies. What is a reinsurance company? Simply: "an insurance company which insures insurance companies." Reinsurance helps pay for losses in the event of a major disaster. Just as homeowners purchase insurance to reduce their financial loss in the event of a major accident, insurance companies purchase reinsurance to reduce their financial loss in the event of a major catastrophe.

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Homeowners Insurance Quote | Get a C.L.U.E!

Florida homeowner’s insurance companies consider many variables when reviewing an application for insurance. If you own a home it’s important to understand these variables so you can make sure the insurance company has all the correct information needed to make their decision. Many insurance companies utilize claim history when making their decision and this is where the C.L.U.E.® report comes into play.

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A Primer on Actual Cash Value vs. Replacement Cost

One concept you'll want to make sure you understand in homeowners insurance is ‘actual cash value’ versus ‘replacement cost’ coverage.

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If the tree is going to fall down...?

Homeowners insurance covers damage that is sudden and/ or unexpected. It doesn't cover routine maintenance or repairs or replacements needed as a result of normal "wear and tear". Sometimes this doesn't seem to make much sense. I recently found out that one of the big trees in my yard was dying and needed to be taken down. Otherwise, there was a significant risk that it would come down on my house during the next storm.

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Home Insurance Quote | Ordinance or Law Coverage: What It Is, Why You Need It

In recent posts, we've talked about how to make sure you have the right coverage to protect your home. There is another element of homeowners insurance that is essential to ensure you have all the coverage you need -- and not having it could leave you unexpectedly out of pocket for thousands and thousands of dollars in the event of a covered loss.

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May Your Holidays Be Happy -- And Safe!

The holidays are fun, festive times when we get in touch with what really matters: the people we love and how blessed we are in life. But in the midst of all the get -togethers, feasting, and gift-opening, there are certain risks that come along with celebrating this time of year.

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Homeowners Insurance Quote | 12 Home Maintenance Checks You Should Know

Here's a check list to maintain your home in the best possible shape and get the maximum life out all of its components.

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Cheap Homeowners Insurance Florida | Unforeseen Loss vs. Neglect

What many homeowners don't understand is that, while their house may experience damage, there's a distinction between unforeseen damage and the kind of damage resulting from neglect or the natural aging of components of your home.

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Homeowners Insurance Florida | NOT Home for the Holidays?

The holidays can be a busy time, especially if you plan on traveling. Unfortunately, you might be so focused on your trip you forget to take simple steps to protect one of the most important, if not the most important, assets in your life…your home!

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Home Insurance Florida | This time it's your roof! Florida homeowners scammed

A couple weeks ago we wrote about a growing problem - contractors using “assignment of benefits” to hijack consumer water claims. This alarming trend is finding its way to the roofing industry. Just last week the Department of Financial Services (DFS) announced the arrest of five NBRC Roofing Company employees for allegedly organizing a $525,000 insurance fraud scheme.

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Home Insurance Quote Florida | The Real Consequences of Fake Claims

How bad is the insurance fraud problem? Not long ago, the industry staged a phony accident on the New Jersey Turnpike with a bus whose every passenger was a fraud investigator. More than 100 fake claims were filed by people who either jumped on the bus after the accident or were passersby.

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Home Insurance Quote Florida | You Won’t Believe These Strange Claims!

Many people are pleasantly surprised to learn all the things that their policies are prepared to cover -- and sometimes they are downright amazed at the things a good policy will take care of for homeowners.

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Find Home Insurance Quote | Unfair! My Premium Increased…Again!

Customers are often upset when their homeowner’s insurance premium increases even when they've never had a claim. We understand how frustrating this is and wanted to share some reasons why.

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Home Insurance Quote | Don’t worry. We'll take care of everything. Just sign...

Should you do it? If something sounds too good to be true, it usually is. So, “Just say no!”

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