Florida Insurance Group

🏗️ Building something? Get Builder’s Risk to cover it. ✅

There's a lot of excitement that comes with a new build, whether it's your dream home, a commercial space, or a renovation project. But here's something many people don't realize: your regular property insurance usually won't cover a building that's still under construction. 🚧

That's where Builder's Risk insurance comes in.

Builder's Risk is a temporary policy that protects a structure during construction. It covers:

🔨 The structure as it goes up
🛡️ Materials on site or in transit
⚡ Damage from fire, theft, and vandalism
🌧️ Many weather events, such as floods, wind in coastal areas, and earthquakes, are typically excluded unless added by endorsement

Whether you're the property owner, a contractor, or a developer, this coverage keeps your investment protected from day one to move-in day.

If you have a project on the horizon, let's talk before the first nail goes in. 📩

Wednesday Morning Professional Connections - BNI Chapter! Better than morning coffee to pick you up!

Come visit us tomorrow morning and see what a referral-driven business community looks like. -> https://professionalconnectionsbni.com/visit-our-chapter

Last week's presentations:
Lee R. Rogers with Florida Insurance Group, a family-owned independent agency with access to over 100 carriers. Lee shops the market so his clients get the right policy at the right price. He also serves as our chapter Vice President.

Kelly Toma with Lake Mary Chiropractic Center, helping patients with pain relief and range of motion. Her real differentiator is education. Patients leave understanding what was going on and how to stay healthy.

The energy was so good that networking spilled into the lobby long after the meeting wrapped. That is where the real relationships get built. And the new chapter bling award? If you earn it, everyone knows.

Wishing all who celebrate a happy Pride month!

🏠 Smart Home = Smart Discount? 🤔

You see them online all the time: smart thermostats, video doorbells, leak detectors, even complete home security systems. They look incredible for what they do, and some of them are. 📱🔔

But do they save you money on your homeowners? 💸

The truth is that not all smart devices save you money on your insurance. The next thing to know is that your agency won’t know you have new tech unless you tell them. 🛡️

If you’re thinking about getting smart devices for your home, let’s talk. We can help you choose something that may give you a deal, as well as tell you what won’t. 🤝

Just don’t ask us to help install them. 😅

🔒 Coverage? Take It (Past) the Limit 🔍

You may have heard us talk about homeowners insurance and how it protects so many of your important, can’t-live-without, life-changing possessions. It truly is a safety net that can catch those things you value most if disaster strikes.

But some of those important items have policy limits, meaning they may slip through the net when you least expect it.

Those items need additional protection, either by listing them on your homeowners coverage directly by “scheduling” them, or by getting a special policy to make sure they're covered. Here are some categories you may want to check for coverage limits:

💍 Jewelry
📱 Electronics
🔫 Fi****ms
🎨 Art
🍴 Silverware

There are more than these that could be limited. The best way to find out is to do a home inventory, then schedule a review with us. We can guide you through what your policy covers and where it needs some help to protect those treasures that make your life, well, your life. 🏠

To the mothers we have, the mothers we remember, and the mother figures, thank you. We are grateful for you this Mother's Day.

🔨 Know Your Home(Owners) Maintenance 🏠

Every home needs some TLC now and then. Home maintenance is an important part of home ownership, and keeping your home in good shape pays you in the end.

Your homeowners insurance policy also needs some regular work, though with a lot less caulking.

The good news is that maintaining your homeowners policy is a lot easier than working on your house. Here are some easy ways to keep your policy fresh and updated:

🔄 Update Updates: Have you updated your home? New bathroom? Kitchen? Home gym? Whatever it is, make sure that it's reflected in your policy.

📋 Count It: Don’t be like that 80s rock ballad, “Don’t Know What You’ve Got (Till It’s Gone).” Make a home inventory so that you know what you have in case of a loss.

👨‍👩‍👧‍👦 More To Lose: If you have more guests on your property, more children to protect, or a home business, you may need more homeowners liability or even business liability on a new policy.

Treat your homeowners policy with the same love and care you treat your home. And call or message us for help. You’re never alone when it comes to insurance. 🛡️

Join us in celebrating the vibrant history and culture of Mexico.

May is Mental Health Awareness Month. Make mental health a priority in your life, at work, and through support organizations.

🛒 What to Ask When Getting a Quote 🛡️

Most people love shopping—unless it's for insurance. 🛍️

The quoting process can seem a little intimidating. Questions, back and forth information, and a result that feels like something you own but don’t really understand how it works. 🤔

That’s why knowing what to ask can help you feel more comfortable about what you get. Try asking these questions for your next quote:

1️⃣ What does this actually cover? What does it NOT cover?
Don’t be surprised by what a policy does and doesn’t do for you. 🔍

2️⃣ What should I choose for my deductible?
Don’t pick a number out of thin air or because it’s cheaper. Find a deductible that fits your situation. 💰

3️⃣ Do I qualify for discounts?
You may be pleasantly surprised by how many discounts exist: bundling, safe driver, claims-free, etc. 🎉

The key to a great quote is honesty and communication. Don’t feel bad if you don’t know insurance. That’s what we’re here for. Put the thing that confuses you the most about insurance in the comments below, and we’ll do our best to answer! 💬