Are solar panels covered by my Florida homeowners insurance?

August 5th, 2019

Vampire fiction is quite a hot topic these days. From Interview with Vampire all the way to latest Twilight craze. What is with people’s fascination with the vampire lifestyle? Is it their charm? Is it their mysteriousness? Perhaps their pale skin?

In fact, there are some people out there that follow through with the vampire lifestyle. As a Florida resident, avoiding the sun can be quite tough. You would, for the most part, be stuck in your home. Why not use the sun as an advantage and use solar panels?

Vampires vs The Sun

All Vampires worst enemy is the sun, but why not win the war and use solar panels? It’s important to understand if your solar panels are covered by your Florida homeowners insurance at . Not only are solar panels perfect for the hot Florida sun, but they also are on the rise in popularity.

If you already have solar panels or are deciding to install them for your home, you will want to make sure that you are fully protected if damages occurred. The most frequent damages being hurricane-related, high winds and flooding could damage your property and your solar panels.

Whether or not your solar panels are covered by Florida homeowners insurance is another matter. Your policy will determine if you are covered or not. Many policies will include your solar panels. In fact, most solar panels are considered to be a permanent attachment to your home. Therefore they will be considered as a permanent attachment. Keep these factors in mind when it comes to solar panels.

Always remember that your coverage limits will vary

Installing solar panels in your home can cost thousands of dollars. Before you decide to take out any type of insurance coverage, according to you need to be sure that you understand your policy limits.

Not every single peril out there is covered

For the most part, you will only be covered for perils listed in your Florida homeowners insurance. These perils consist of lightning, fire, theft, vandalism, and etc. Usually, if your panels are destroyed due to hurricane damages and flooding you will need to purchase extra coverage.

Paying your deductible is a must

Your deductible is the amount of money that you will pay out of your own pocket before your policy kicks in. A typically deductible is around $500, but you can adjust accordingly.

Solar panels are a great way to save some cash on your energy bill. It’s important to review your Florida homeowners insurance policy from and make sure they are completely covered. You definitely do not want a gap in coverage or else you will be paying thousands out of pocket.

FL Car Insurance, 5 Easy Ways to Help You Save

August 4th, 2019

If you’ve recently moved to Florida or have relatives in nearby states, you may get sticker shock when you’re updating your FL car insurance. Florida has an above-average amount of sun but it also has above-average car insurance rates. Here are some easy ways you can reduce your rates and save yourself some money at

1. Drop Collision Coverage On Paid-Off Cars

When you lease a new vehicle, you are often required to have collision on the vehicle in case an accident occurs before the lien is paid off. Many people continue to keep collision on their vehicle after it’s paid off without realizing it’s no longer required. If your vehicle is worth less than one-thousand dollars, you should consider dropping collision coverage. This does mean that in the event your car is totaled in an accident, your insurer won’t pay damages. However, some people find that the money saved is worth the risk.

2. Skip the Fancy Sports Car

There is a myth that car insurance Florida drivers are offered are affected by the color of your vehicle. That myth is incorrect, however, the make of the car can very well influence how much you pay. Sports cars are flashy, especially in FL where you can drive with the top down year-round. Small SUVs are some of the cheapest automobiles to insure. You can check with your agent for a comparison of premium averages for new models and factor that information in your decision on which is the most affordable car for you.

3. Ask Your Insurer About Discounts

Not all Florida auto insurance rates are equal. There are many factors that determine your premium. Ask your insurer about these common discounts and inquire about what other discounts they offer. Remember, car insurance quotes in Florida from are also another option when it comes to lower rates.

  • Driver’s Ed
  • Safety features such as anti-lock brakes and daytime running lights
  • Low mileage per year
  • Combining car, home and life insurance policies with the same agency

4. Obey Traffic Laws

The fastest way to increase your premium is to get a traffic ticket or have an insurance claim filed against you after a car accident. Keeping your cell phone out of your hand when you’re driving and your eyes on the road will help you keep your rates low.

5. Consider Raising Your Deductible

Having a low deductible seems like a good, cost-effective idea, but the truth is a low deductible often increases the overall premium rate. Consider raising your deductible to $1000 instead of the lowest threshold.

Florida auto insurance takes a significant chunk out of your monthly income. Get the best rate for your budget using these tips on how to save on a policy today. You will be glad you did.

Health Insurance Quotes Florida Residents Really Want.

August 3rd, 2019

What are the type of health insurance quotes Florida residents really want? Let’s review all the important factors surrounding a health policy. The health profile or medical history of a person can never be generalized, but many health insurance policies are actually generic. They do not cater to a specific need of a person. Most health companies have a broader and generic outlook. They try to cater to many common and some uncommon healthcare needs of people. They create policies to cover as many people as they can. However, such policies do not always provide the exact type of coverage that a person may need in a specific case of medical emergency or planned healthcare requirements according to

Health insurance Florida residents really want should address their primary objectives. One of the most common complaints of people is the list of exemptions in health policies. The cheapest policies fare the worst in this context. They have so many exemptions that a person may not have any financial assistance when one needs for a health problem. The most expensive policies fare the best in this context as they have the fewest exemptions. Even these costly policies have some exemptions unless you choose to pay more for specific conditions. You must always focus on these exemptions when you compare a health insurance quote that each Florida companies send you.

Another extremely common issue experienced by people is the cap on expenditure. Not many people realize this but some healthcare needs are only paid for to an extent. Every type of expense associated with medical care is not paid for by an insurance company. How much you will get reimbursed for or to what extent the cashless insurance will take care of the bills depends on the exact terms of the policy. Generally, health policies do not have any segregation. You can access the entire coverage for any type of medical care as long as it is not exempted. But the expenses are not always at a hospital or healthcare facility, clinic or diagnostic center.

There are expenses related to medications. Some supplies may be needed to aid in treatment and subsequently recovery. There could be additional expenses given the demands of the diagnosis, treatment and recovery. Such expenses beyond the hospital or healthcare facility and what is not covered at pharmacies can take a toll on the financial condition of a person and the family. Health insurance quotes FL residents really want from should provide coverage for all such expected and unexpected expenses.