Wayne Lucas Insurance

☀️ Summer is a great time for a quick insurance check!

Have you recently:

🏠 Started a home business?
💍 Bought jewelry?
🪟 Added impact windows?
🏊 Added a pool?
🚗 Added a teen driver?
🏡 Renting part of your home?

Small changes can mean it's time for a policy review.

Comprehensive auto insurance covers damages to your car from causes other than collision.

It can help cover theft, vandalism, fire, a broken windshield and even damage from falling trees.

While it's not required by law, it can be very valuable for vehicle owners.

Auto insurance covers your vehicle but not the laptop, golf clubs, or other personal items inside it.

Those belongings are often covered under your homeowners or renters policy instead.

🏠 Sheds, fences, detached garages, and gazebos are often covered differently than your home itself. These get covered under Coverage B: Other Structures.

If you've added outdoor structures, it's worth making sure your coverage is up to date.

Did you know? If you have a renters insurance policy, it doesn't typically cover roommates.

Only the person(s) named on the policy is covered. If you share a home, make sure everyone has the protection they need.

☀️ Happy weekend from your Florida insurance team!

Whether you're heading to the beach, relaxing at home, or running errands, we hope you enjoy every minute of it.

What's on your weekend agenda? 🌴😎

🚗 Florida drivers: If you carry comprehensive coverage, windshield repairs or replacement are often covered with no deductible under Florida law.

A small chip today can become a big crack tomorrow.

Did you know? Not all Florida dwelling policies are the same.

DP-1, DP-2, and DP-3 each offer different levels of protection for rental and non-owner occupied homes. Knowing which policy you have can make a big difference in what's covered.

🏊 Hosting friends this summer?

If a guest is injured at your rental and you're legally responsible, your renters insurance liability coverage may help pay for medical bills and damages.

It's one of the most valuable coverages in a renters policy and many people don't realize they have it.

If your car is in the shop after a covered accident, rental reimbursement can help pay for a rental car while it's repaired.

For just a few dollars a month, it's one of the most affordable auto coverage add-ons and it's typically not included.