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Condo & Home Articles

 Lower your Prop Ins Costs & Premiums

 Florida Condo Insurance Buyers Guide

 Condo Ins Discounts & Mitigations

 Lower your Home or Condo Ins Costs

 Condo Ins Changes in the new Law

 FL Statute 718

 Condo Articles

 Condo Cyber Citizens

 Home Owners Insurance Guide

 Policy Type Definitions

 Home Owners Guide-2

 Home Inventory Checklist

 Ordinance or Law Coverage

 Replacement vs ACV

 HO3 Policy Explained

 HO6 Policy Explained

 HO8 Policy Explained


Flood Insurance Articles

 Why buy Flood

 Fema Brochure

 Summary of Coverages

 Resi-Premium Estimate


 Inventory List

Commercial Property Articles

 CGL Commercial Liability Coverage

 Commercial Policy Types

 Commercial Flood Program

 Landlords DP1-DP3 Policies

Informative Videos

Insurance FAQ's

Insurance Definition:
The exchange of monetary compensation for the promise to make a person whole again when a catastrophic event occurs.
Property insurance provides protection against most risks to property, such as fire, theft and some weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, hurricane insurance, home insurance, or wind insurance. Property is insured in two main ways—open perils and named perils. Open perils cover all the causes of loss not specifically excluded in the policy. Common exclusions on open peril policies include damage resulting from hurricanes, floods, nuclear incidents, acts of terrorism, and war. Named perils require the actual cause of loss to be listed in the policy for insurance to be provided. The more common named perils include such damage-causing events as fire, lightning, explosion, and theft.