Does a home insurance policy cover everything?

The short answer is no. No insurance policy covers everything, regardless of its type. Here’s why: An insurance policy is a written agreement between you and an insurance company. In return for your payment (insurance premium), the insurance company agrees to assume the risk of financial loss that would otherwise be yours. “Risk” means a Continue Reading

Hurricane Season is here: IT PAYS TO BE PREPARED

Whether you reside in Tallahassee, Jacksonville, Tampa Bay or anywhere in the Sunshine State, as Floridians, we are always mindful of the tropical activity in the waters surrounding our coasts. Hurricane season lasts from June 1 until November 30, and we at College Park Insurance want to make sure that you’re prepared. First, it’s important Continue Reading

What Is Renters Insurance?

“Apartment, sweet apartment” may not have the same ring as “home, sweet home,” but it’s where all your belongings are. And while your landlord’s policy covers the building you live in, it won’t cover your personal possessions in the event of a fire or burglary – and imagine how much it would cost to replace Continue Reading

Fires Have Moods

Strange concept, I know. But in the property insurance world, fires do have moods: friendly  or hostile. At its worst, fire can cause the destruction of a home and all or some of the material things that you have worked for during your life. At the least, it can cause smoke damage, water damage (from Continue Reading

The Homeowners Insurance Implications of a Home Alone

No, we’re not talking about the classic 1990 movie, Home Alone. We’re talking about leaving your home alone, voluntarily or involuntarily. First, let’s define some terms. You might think that the terms vacant home and unoccupied home are synonymous. In fact, even courts have confused the terms and considered them as meaning the same thing. Continue Reading

Go Green This Spring!

Saving money on your home’s energy bill is just what you need to fill your pockets with a little extra green this spring! Here are a few tips that will make your home an energy efficient “powerhouse.” Save water: Here’s a staggering fact – the average American uses about 100 gallons of water per day, Continue Reading

Assignment of Benefits Update

Insurance fraud is on the rise in Florida, especially during storm season when insurance claims are high. However, help is on the way to protect homeowners from shady contractors who have bilked insurance carriers and policyholders out of millions of dollars! In February, the Florida legislature drafted a bill that addresses the assignment of benefits (AOB) Continue Reading

Must-Have Interior Design Apps

For home improvement projects of all sizes, these are apps every DIY Weekend Warrior should check out: Spring cleaning can often bloom into a full-blown room (or home) renovation project. Considering a new color or mood for a room in your house?  Gone are the days of fabric swatches, wallpaper samples, and doing the “heavy Continue Reading

A Rose by Any Other Name…Could Be Identity Theft

In recent years newspaper headlines, TV and radio news stories, and government warnings have  reported on what seems to be an epidemic of identity theft (sometimes called “identity fraud”). In fact, Florida has the dubious distinction of being number one in the nation for identity theft. The misappropriation of an individual’s identity and all that Continue Reading

Roofs Get Old or Damaged and Some Roofers Take Advantage

The roof is an integral part of any house; its purpose is both aesthetic and functional, preserving the belongings within the house and providing protection to the people who live there. In hot, tropical climates, roofs that are best at protecting from wind, rain and heat are favored, such as slate, terracotta, concrete tiles, reflective Continue Reading