Heritage Insurance will be implementing the following rate changes effective January 1.

FL HO3: +12.9% FL DP3: +13.8%

Florida insurance market is evolving rapidly. Rising reinsurance costs and market disruptions are affecting us all.

Heritage Insurance management team has approximately 500 years of combined insurance experience.

Heritage ...

Home Flood Disclosure: Starting October 1, 2024, Florida’s new flood disclosure law (HB 1049) goes into effect, bringing increased transparency to residential property transactions.

Sellers will now be required to inform potential buyers if a property has ever ...

Good News on Auto Insurance

Effective September 26, 2024, Bristol West Insurance is revising rates in the Bristol West® Personal Auto 4.0 program in Florida. Overall, there is a rate decrease for new business. Notably, rates for Named Operator policies will decrease by approximately 25%.

The overall rate impact will vary ...

Flood Insurance Requirements in Broward and Miami_Dade Counties May Change With This Update.

On July 31st 2024, more than 260,000 properties in Broward County will be affected by FEMA flood map changes. Over 113,000 parcels will move from a low hazard area to a high hazard, while others – roughly 6,600 – will move out of ...

Notice Of Insurance Policy Cancellation

Recently almost no day is going by without receiving a notification from the insurance carrier for cancellation of insurance coverage because of Windstorm rejection document. This documents, my flow, the statue needs to be handwritten and signed by the insured however,

If you have mortgage ...

We are happy to announce that Behar Insurance now has access to a new Builders' Risk Insurance Option with Cypress Insurance

Builders' Risk policies should be as diverse as the construction projects they protect.

Residential New Construction

Replacement cost coverage for new home construction by large and small builders. ...

Ensuring Homeowner's Compliance: A Reminder from Your HOA

As the winds of another season shift and the specter of hurricanes looms on the horizon, it's essential to address a crucial matter that concerns every homeowner: Insurance coverage.

The covenants and contracts set forth by your Homeowners' Association (HOA), ...

Thank you for referring your clients for proper Insurance coverage. We have hired the Best in the industry to provide you with vital information for your safety.

Come join us for a Real Estate Professionals Safety Training session to learn how to keep yourself safe on the job!

The desired result is that all attendees understand ...

In the ever-changing world of insurance, Florida property owners and investors have received a significant update from Citizens Insurance Company. This news concerns the treatment of investment properties and how premiums will be calculated moving forward. It's a development that's set to reshape the insurance landscape in the Sunshine State. In ...