Does Homeowners Insurance Cover Package Theft and Christmas Tree Fires?
How coverage usually works for stolen packages, holiday fires, injured guests and valuable gifts.
Read articleInsurance tips for Amelia Island
Plain-language guides for homeowners, boaters and business owners in Fernandina Beach.
What to Do After a Car Accident in Florida
What to do at the scene, why the 14-day rule matters for PIP, and how to report your claim.
Read articleWhy You Can't Wait for a Storm to Buy Flood Insurance
Most new flood policies don't start for 30 days. Here's how the waiting period works and when it doesn't apply.
Read articleWhy Did My Florida Homeowners Insurance Go Up? 7 Ways to Lower It
Wind mitigation credits, the right deductibles, discounts and comparing companies can bring a high renewal back down.
Read articleCan You Change Insurance Agents Without Changing Your Policy?
Yes. An agent of record change moves an existing policy to a new agent with the same company, coverage and price.
Read articleBuying a Home on Amelia Island? Your Insurance Checklist Before Closing
Under contract? Here's when to start on insurance, which inspections you may need and what your lender needs before closing.
Read articleThe Citizens Flood Insurance Requirement: What Amelia Island Homeowners Need to Know
If your home is insured with Citizens, Florida law now requires flood coverage too. Here's who's affected and when.
Read articleWhat a Four-Point Inspection Means for Insuring an Older Florida Home
Insuring an older home? Many carriers require a four-point inspection first. Here's what it covers and how to prepare.
Read articleDo You Need Golf Cart Insurance in Fernandina Beach?
Your homeowners policy may not cover your golf cart once it leaves the driveway. Here's what Florida law requires.
Read articleInsuring a Short-Term Rental on Amelia Island
Renting your place on Airbnb or VRBO? A standard homeowners policy may not cover guest stays. Here is what to look for.
Read articleHurricane Season Insurance Checklist for Amelia Island Homeowners
The time to review your coverage is before a storm is named. Here's what Amelia Island homeowners should check now.
Read articleDo You Need Flood Insurance in Fernandina Beach?
Homeowners insurance doesn't cover flooding. Here's how to decide whether you need a flood policy on Amelia Island.
Read articleHow a Wind Mitigation Inspection Can Lower Your Florida Home Insurance
Florida insurers must offer credits for wind-resistant features. A wind mitigation inspection is how you prove your home has them.
Read articleProtecting Your Boat When a Hurricane Heads for Amelia Island
Your hurricane plan and your boat policy should work together. Here's what Amelia Island boaters should check before a storm.
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