Wayne Lucas Insurance

🏡 DID YOU KNOW?

If you work from home full-time, your homeowners policy may NOT fully cover business equipment or client injuries.
A side hustle could change your coverage needs.

🚨 Hurricane Season begins June 1st!🚨

Waiting until a storm is named is TOO LATE to review your insurance.

Do you know:
❓Your hurricane deductible
❓If you have flood coverage
❓What your policy actually covers

A 10-minute review now can save a huge headache later!

Did you know most standard policies exclude coverage once your home becomes a paid rental , even for a single weekend.

❌ Guest injured
❌ Property damaged
❌ Airbnb's Host Guarantee

There are Short Term Rental Insurance options that would be better suited for you.

Happy Memorial Day!

Wishing everyone a safe and meaningful Memorial Day as we honor and remember those who served our country!

Most Florida homeowners skip flood insurance because their lender doesn’t require them to have it.

But flood damage isn’t covered under your home policy, ever.

Sometimes the cheapest coverage is the one people need most 🌧️

Planning a trip this summer? ✈️
Don’t forget your jewelry insurance checkup.

Many policies have limits, exclusions, or deductibles people never realize until they file a claim.

Before traveling internationally:
✔️ Get jewelry appraisals updated
✔️ Confirm worldwide coverage
✔️ Know your deductible

Luxury travel deserves smart protection.

Did you know that Inland Marine insurance has nothing to do with water. It's actually coverage for high-value items that move.

Your home policy only covers property at your listed address.

An Inland Marine floater follows your valuables wherever they go:

🖼️ Fine Art & Paintings
🎻 Musical Instruments
🏺 Antiques & Collectibles
📷 Professional Camera Equipment
💻 Portable Business Equipment
💎 Jewelry, Furs & Designer Items

If it's valuable and it moves, there's a real chance it's uninsured the moment it leaves your front door.

Florida pool owners 🏊‍♀️
Sunny days are here so it's a good time for a pool reminder:

Don't forget to check your pool safety 🏖️

✔️ Self-latching gate
✔️ Pool alarms
✔️ Updated liability coverage

One accident can become a major lawsuit fast.

Did you know?
Your car can lose 10–25% in value after an accident—even if it’s repaired perfectly. 🚗💸

It’s called Diminished Value.

In Florida, you may be able to claim it from the at-fault driver’s insurance.

Most people never do because they don’t know.

Happy Mother's Day!

Wishing all the incredible mothers a beautiful Mother’s Day. 💐

Today is for celebrating you, Enjoy your day! 💖