Wayne Lucas Insurance

Fall is a great time for a Florida home checkup!

Clean gutters, trim branches away from the roof, check drainage, and look for signs of roof damage.

A little preventive maintenance can help catch small issues before they become bigger problems—and photos are a great way to document your home's condition.

🔑 Did you know how a luxury property is titled can matter to your insurance?

High-value homes are sometimes owned through trusts, LLCs, or other legal arrangements. Your policy should accurately reflect the property's ownership and the parties that need to be insured.

If the title to a property changes, an insurance review should be part of the conversation.

🏡 Closing your Florida vacation home for the off-season?

Before you leave, add an insurance review to your checklist. Ask your agent whether seasonal occupancy or an extended vacancy affects any part of your coverage.

A quick review can help keep your policy information up to date.

A collector car isn't always best insured like an everyday vehicle. 🏎️

Specialty policies may offer agreed-value coverage, where you and the insurer establish the vehicle's insured value in advance, subject to policy terms.

For rare, exotic or collectible vehicles, how the car is valued matters.

Did you know your homeowners policy may limit coverage for camera equipment used for business purposes.

If you use professional camera gear to earn income, it's worth reviewing your homeowners policy to understand what is and isn't covered.

📱 Drive for a rideshare service occasionally?

Your personal auto coverage may change once the rideshare app is turned on, even before you've accepted a passenger.

If you use your personal vehicle for rideshare, check how your policy treats each stage of the trip.

This Labor Day, we're celebrating the people who keep our communities moving every day.

Thank you for your hard work, dedication, and everything you contribute throughout the year.

Enjoy a well-deserved Labor Day! ☀️

🍷 A carefully curated wine collection isn't ordinary household property.

Specialized coverage may be available for high-value collections, including risks unique to wine such as temperature changes or mechanical breakdown of climate-control equipment.

If your cellar has grown, your insurance should grow with it!

🏠 Thinking about a metal roof for your Florida home?

Beyond durability, certain qualifying metal roofing systems may help with homeowners insurance when documented through a wind mitigation inspection.

Your insurer may consider the roof covering along with features like roof-to-wall and roof-deck connections when determining available wind mitigation credits.

If you've recently replaced your roof, make sure your insurance agent has the updated information.

🛋️ Did you know?

Some personal property is insured based on its current value, while other policies offer replacement cost coverage.

Knowing how your belongings are valued can help you better understand your policy.