RECENT BLOG POSTS

Florida Home Insurance | Integrity Select Provides Coverage for Older Homes

Our newest product, Integrity Select, offers home insurance specifically designed for older owner-occupied homes in Florida. This solution helps homeowners like you find coverage in Florida's turbulent property insurance market.

Tips for Building Your Home in Florida

Taking certain precautions while building a new home in Florida can help ensure safety and longevity. Adhering to flood zone risk provisions, using the proper building materials, selecting energy efficient appliances, and purchasing protection from a new construction insurance policy specialist like American Integrity will help you protect your investment.

Florida Vacant Home Insurance | Home Maintenance for Vacant Homes

If a home experiences a loss and no one is there, is there still damage? Ok, philosophy questions aside, leaky pipes or ceilings, broken windows from wind-blown storm debris, or break-ins by thieves or vandals often go unnoticed in vacant homes. This means damage can spread, multiplying the severity and costs to repair once it is eventually discovered.

Florida Flood Insurance | What To Do After Your Home Has Flooded

Yes, Florida is surrounded on three sides with oceans, and crisscrossed with rivers, lakes, and streams. But it’s also prone to frequent deluges of rainstorms, causing torrents of water to accumulate.

Boat Insurance Florida | Do You Need Watercraft or Jet Ski Insurance?

Boats and personal watercraft provide the opportunity for many hours of fun in the sun and waves throughout Florida, but there’s always the risk of an accident occurring.

Boat Insurance Florida| 5 Benefits of Florida Watercraft Insurance

From these five protections outlined by American Integrity Insurance, obtaining this coverage is all about staying protected on – and off – the water.

Hurricane Season Florida | Last Minute Hurricane Preparations

As we continue to navigate through Hurricane Season, t’s essential that you know how to prepare yourself, your family and your property for any surprises Mother Nature may bring your way.

Hurricane Season Florida | How to Prepare Your Swimming Pool Before a Storm

Living in Florida means you’ll never need to “winterize” your pool, but hurricane season poses its own threats to your backyard oasis.

Flood Insurance Florida | Private Flood Insurance vs. National Flood Insurance Program

Flood Insurance Florida Can Rely On – Many homeowners often default to the National Flood Insurance Program (NFIP) when considering flood insurance, not realizing that some private Florida home insurance companies offer this protection, and it’s often broader – and less expensive – than the government’s program.

Flood Insurance Florida | Ways to Prevent Home Flooding

While we are proud to offer a Private Flood Insurance option, we hope that you never experience a flood event. With that in mind, here are a few valuable ways to prevent your home from flooding.

Flood Insurance Florida | What is a Flood Zone?

Many Floridians think that because they don’t live in a flood zone, they don’t need flood insurance. Sadly, this is not only a dangerous misconception, it can also be an expensive one.

Florida Homeowners Insurance Quote For New Construction | What to Know

Planning a new home build in the Sunshine State can be both exciting and overwhelming. One way to ensure that your project gets off on the right foot is to obtain the right type of insurance coverage!

Florida Homeowners Insurance for New Construction | Is Homeowner Insurance Cheaper on New Construction?

Many potential homeowners may be surprised to learn that Florida homeowners insurance for new construction can be substantially more affordable than insuring older, existing homes. Part of the reason is that everything in a newly built home is, well, new!

Condo Insurance Quote | Some Perks of Having Condo Coverage

No mowing chores, no gutters to clean and no extra maintenance expenses are just a few of the perks that come with condo living in the Sunshine State. But did you know that the right condo insurance quote can bring many other perks?

Condo Insurance Florida| Why Is Condo Insurance So Important?

If you just bought a condo in Florida and were surprised that condo insurance was required by your lender and condo association, you are not alone. This discovery often sparks some important questions about coverage!

Home Insurance Florida | Maintain the Value of Your High-Valued Home

This spring, take a look at your property and discover some simple, even inexpensive ways you can help your high-valued home maintain its value.

Home Insurance Florida | Waterfront High-Valued Homes

Owning a waterfront high-valued home can be a dream come true, but it also poses more risks than an inland home.

Boat Insurance Florida | Boating Safety Tips

There’s nothing like the feeling of freedom that comes with being out on the open water. To enjoy a fun and safe season, on the water without injury or accidents, check out these boating safety tips.

Home Insurance Florida | What Is a 4-Point Inspection and When Do You Need It?

With Florida experiencing routine severe weather events, there is a specific type of home inspection needed when renewing homeowners insurance policies called a 4-Point Home Inspection.

Home Insurance Florida | Insurance Resolutions for the New Year

New Year’s resolutions are personal and unique to each individual. This year, why not include some resolutions that help protect your financial well-being? Including some homeowners insurance resolutions for the new year could result in avoiding loss and lead to significant savings.

Home Insurance Florida| Holiday Cooking Safety Tips

As you and your family are likely spending more time cooking during the holidays than any other time of the year, it’s important to keep kitchen safety measures in mind.

Home Insurance Florida | Who Needs High Valued Home Insurance?

When you invest hundreds of thousands, or even millions, of dollars in a home, you need to be sure it is adequately protected. After all, a high-quality home in Florida deserves High Valued Home Insurance in Florida.

Home Insurance Florida | A Seasonal Maintenance Checklist for Your Home

Even though Florida doesn’t experience the extreme change of seasons that many other states do, it’s still important for Sunshine State homeowners to perform seasonal maintenance on their homes.

Home Insurance Florida | A Snowbird’s Home Checklist Before Migration Season

Florida has many dual homeowners, lots of whom are “snowbirds” who live in the Sunshine State during the fall and winter, then migrate back to cooler northern climates in the spring and summer. For them, vacant property insurance in Florida a necessity.

Home Insurance Florida | Keeping Your Vacant Property Safe and Secure

Whether you own a rental property or only live in the area part-time, you will encounter a time when your property lies vacant. By following these handy suggestions for keeping your vacant property safe and secure, you can rest easy, knowing your property is ready for rental or your arrival home.

Homeowners Insurance Florida | “Musts-Dos” For Maintaining Your Vacant Property

A house is often the most significant investment you will ever make. If it will be sitting empty for a while, you need to take actions for maintaining your vacant property. Whether you will be returning to occupy the property again, or renting it out to another tenant, you’ll want to get adequate protection for your investment.

Home Insurance Florida | 5 Things to Know About High Value Home Insurance

Many people with high valued homes make the mistake of choosing a standard home insurance policy. They even go so far as to take out additional policies to protect guest houses, personal property and watercraft. As you begin to look into high valued home coverage, there are a few things that you may not know.

Boat Insurance Florida | How to Properly Care for Your Boat

Every boat owner knows that for all the leisure time you spend on your boat, there’s an equal amount of time you spend maintaining it.

Home Insurance Florida | Maintaining Your Rental Property

When you own a rental property, there are issues that could arise without your knowledge. The best way to stay ahead of any would-be disasters is through scheduled maintenance throughout the year and over the entire time that you own the home.

Homeowners Insurance Florida | How to Protect Your Vacant Rental Property When You're Away

A good renter will keep you updated on any issues that arise in the home. However, the nature of rentals is that they are generally temporary living situations for tenants. Therefore, as an owner, you will likely experience some period of vacancy at your rental.

Condo Insurance Florida | Condo Maintenance Checklist

In many ways, owning a condo is less work than owning a single-family home. The convenience of on-site amenities and facility upkeep can lighten the load of monthly and seasonal home maintenance. However, condo maintenance is still necessary to keep your unit and investment in tip-top shape.

Condo Insurance Florida | 3 Reasons to Get Condo Insurance

Choosing not to get condo insurance leaves you vulnerable if the unexpected occurs and can cause added stress in what tends to be an already highly stressful situation. There are several reasons to get condo insurance, but here are just a few.

Condo Insurance Florida | What is Condo Insurance?

Condos can be a great option for those looking to downsize, minimize or simplify their home life. Once you begin considering the purchase of a condo, you’ll need to know how to insure your new home.

Home Insurance Florida | Holiday Safety Tips

It’s the most wonderful time of the year, but according to several statistics, it’s also one of the most dangerous. In order to protect your home and avoid costly damage or loss to your property, you’ll want to be on high alert.

Homeowners Insurance | Using Your Home Flood Insurance Policy

Losing treasured family memorabilia, important essential items like medicine and clothing, and seeing damage to the structure of your home can be emotionally draining. As difficult as it is to lose these things, if your home is properly insured, you can recover your losses by filing a flood insurance claim.

Home Insurance Florida | Autumn Home Maintenance Tips

Even though in Florida we don’t have a dramatic shift in weather, some lower temperatures do occur and precipitation does fluctuate throughout seasonal shifts. Now is a good time to conduct a thorough inspection of your Florida home to determine if it sustained any unseen damage during the tropical weather season.

HOME INSURANCE FLORIDA | THE HAZARDS OF HALLOWEEN

Halloween can be a candy-filled triumph filled with costumes and laughter, but there’s a lot of preparation that goes into making it a safe one.

HOME INSURANCE QUOTE | 12 HOME MAINTENANCE CHECKS YOU SHOULD KNOW

There are plenty of things you can do to maintain your home in good condition by detecting problems early and gaining the maximum life out of your home’s components.

HOMEOWNERS INSURANCE QUOTE FL | A PRIMER ON ACTUAL CASH VALUE VS. REPLACEMENT COST

One concept you'll want to make sure you understand in homeowners insurance is ‘actual cash value’ versus ‘replacement cost’ coverage. It's a key distinction in insurance, and having a grasp of it, and a few other important terms, will help you make the best choices when it comes to your homeowners insurance policy.

HOME INSURANCE FLORIDA | ARE YOU RESPONSIBLE FOR IRRESPONSIBLE TAILGATERS IN YOUR HOME?

A full house can turn any football game into a frenzy, and you may be left wondering - if there were to be an unexpected accident in your home, are you liable for your visiting tailgaters?

HOME INSURANCE QUOTE | SO YOU JUST BOUGHT YOUR FIRST HOME?

Once the fireworks are over and you’ve settled into your new home, you may think, “Wow! What now?” Unlike moving into a new rental where you unpack and you’re all set up, the responsibility to take care of your investment now falls squarely on your shoulders and for savvy homeowners, will become part of their regular routine.

HOMEOWNERS INSURANCE | 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. Renters insurance is an affordable way to protect your assets if the unfortunate occurs.

HOMEOWNERS INSURANCE FLORIDA | DOES THE 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 like American Integrity. 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 chance that an event may or may not happen – insurance is intended to cover unforeseen, accidental events.

Boat Insurance Florida | 5 Questions You Should Ask Before Getting Boat Insurance

When deciding what type of boat owner coverage you need, there are several questions you should ask your insurance agent.

BOAT INSURANCE FLORIDA | DO I NEED BOAT INSURANCE?

So you’ve achieved a personal goal: buying a boat. Boater safety classes, licenses and registration are all on the top of your list of to-dos along with the purchase of trailers, dock space and boat maintenance supplies. While you’re finding your sea legs, don’t forget to find the right boat insurance for your nautical lifestyle.

HOMEOWNERS INSURANCE FLORIDA | SHOPPING FOR HOME INSURANCE IN THE SUNSHINE STATE

Whether you’re a first-time home buyer or a longtime homeowner in the Sunshine State, if you’re looking for a Florida home insurance policy, you’ll need to shop for quotes to compare coverage and rates.

HOME INSURANCE QUOTE | GET A C.L.U.E!

Florida homeowner's insurance companies consider many variables when reviewing an application for insurance. Many insurance companies utilize claim history when making their decision and this is where the C.L.U.E.® report comes into play.

Homeowners Insurance Florida |Back To School: Will Your College Student's Belongings Be Covered By Your Homeowners Insurance

As your college student gets ready to head to campus, you may be wondering how their personal belongings will be protected if a theft, fire, careless accident, or other unfortunate incident should occur. Will their laptop, jewelry, and other items be covered by your homeowners insurance when they’re away at school?

HOME INSURANCE FLORIDA | RENTERS INSURANCE, MADE EASY

Purchasing your Florida renters insurance policy might not be on your “Top Ten” list of fun things to do, but it doesn’t have to be a lengthy or tedious process. And with monthly prices as low as the cost of a couple movie tickets, why wouldn’t you want to ensure your possessions are protected?

HURRICANE PREPAREDNESS FLORIDA | 10 ITEMS TO GET ON YOUR SUPPLY RUN

When a storm is threatening to hit, the shelves of local grocery stores can quickly become bare. During an emergency, the packed aisles of a supermarket can be frustrating to navigate. To keep your list short and trip smooth, here are 10 items you won’t want to leave behind.

Florida Flood Insurance | 5 Common Flood Insurance Myths

Whether due to rainfall, flash flooding or storm surge from a hurricane, the damage can change your property and your life very quickly, with little time to prepare. Widely accepted myths about floods and flood insurance can perpetuate dangerous behaviors when it comes to protecting your home and family.

HOMEOWNERS INSURANCE QUOTE | 12 HOME MAINTENANCE CHECKS YOU SHOULD KNOW

There are plenty of things you can do to keep your home in good condition by detecting problems early and gaining the maximum life out of your home’s components.

HOME INSURANCE FLORIDA | YOU WON’T BELIEVE THESE STRANGE CLAIMS!

Many people are pleasantly surprised to learn all the things that their policies are prepared to cover -- and sometimes they are downright amazed at the things a good policy will take care of for homeowners. Sometimes they are also disappointed, so it is important to know what your policy covers!

Florida Homeowners Insurance | Ways to Prep Your Home for Hurricane Season

How well you maintain and prep your home can mean a significant difference in how it fares if Mother Nature chooses to be unkind this hurricane season.

HOME INSURANCE FLORIDA | 5 QUESTIONS EVERY HOMEOWNER SHOULD ASK

Your deductible is the amount “deducted” from the money you receive from your insurance company if you have a covered loss (claim). Here are five questions to consider before taking this step with your insurance company.

HOMEOWNERS INSURANCE FLORIDA | THIS TIME IT'S YOUR ROOF! FLORIDA HOMEOWNERS SCAMMED

When you sign a contract which contains an “Assignment of Benefits,” you sign the rights to your claim and any monies for your damage to that contractor in exchange for the contractor fixing the problem.

HOMEOWNERS INSURANCE FLORIDA|FOUR QUESTIONS EVERY HOMEOWNER SHOULD ASK ABOUT REINSURANCE

Your insurance company should have a robust reinsurance program, purchased through reputable reinsurance companies. Just as homeowners purchase insurance to reduce their financial loss in the event of a major accident, insurance companies purchase reinsurance to reduce their financial loss in the event of a major catastrophe.

Home Insurance Quote| What is Cyber Coverage, And Why Do You Need It

In this day and age, almost everything we do involves our digital footprint. Whether you’re banking online, shopping, or even purchasing insurance, entering your personal information is usually a necessity. Unfortunately, as quickly as we have adapted to technology, so have criminals.

Quote for Homeowners Insurance | Don't Cry Over Spoiled Milk

You may be pleasantly surprised to learn that your homeowners insurance may kick in at unexpected times for various reasons (maybe even for that spoiled food in your fridge).

HOME INSURANCE QUOTE | How To Maintain Your Home Sprinkler System

Your underground sprinkler system is one feature of your home which you can easily inspect and maintain yourself, saving you time and money in the long run. Avoid sprinkler surprises by performing a regular inspection and a few simple adjustments.

HOMEOWNERS INSURANCE | HOME SHOPPING? CONSIDER THESE 3 FACTORS THAT CAN AFFECT HOME INSURANCE

Shopping for home insurance Florida quotes can be confusing if you aren’t sure what factors insurance companies consider when determining the premium they charge each customer.

Homeowners Insurance Quote | Make Hurricane Preparedness Part Of Your Spring Cleaning

Spring has arrived! Although here in Florida our weather doesn’t differ all that much between winter and spring, it does mean that we’re one step closer to hurricane season, and we want to make sure you and your home are ready. Hurricane season begins June 1 and lasts through November 30 - the time to prepare begins now!

Renters Insurance Florida | Hurricane Preparation for Renters

While you may not own the house or apartment you currently reside in, you likely have valuable items in your rental. Imagine having to replace ALL of your belongings at one time if you suffered a major loss. There are plenty of measures you can take to protect your home as a renter.

Quote for Homeowners Insurance | The Real Consequences of Fake Claims

Every year thousands of fraudulent or downright criminal insurance claims are made, costing insurance companies and the American public billions.

HOME INSURANCE QUOTE | AN UNFORTUNATE (AND GROWING) TREND

After six years of stalemate, Assignment of Benefits Reform is slated to take effect on July 1. Check out this blog for a deeper look at the journey towards this historic vote, and why it was needed in our state.

HOME INSURANCE FLORIDA | STORM SEASON: ARE YOU PREPARED?

From June 1 – November 30, meteorologists will be on the lookout for weather disturbances that could potentially turn into tropical storms – or worse. Because Florida has the greatest hurricane exposure in the country, now is the perfect time to recheck your preparedness for a major storm.

HOMEOWNERS INSURANCE | Home Maintenance How-To: Fixing Seals on Windows and Doors

As a homeowner, you have probably learned that preventative care is a lot more cost effective than reacting to the harsh effects that weather can have on your home. One of the items on your spring cleaning checklist should be to check the seals around windows and doors. Fixing your home’s seals can save you time and money in the long run.

IDENTITY THEFT INSURANCE | What Identity Theft Insurance Covers & Why You Need It

It can take anywhere from a few weeks to several years to recover from an identity theft incident. Banks and credit card companies will generally cover the reimbursements for financial losses. However, one thing they do not help with is navigating and cleaning up the far-reaching mess that some of these thefts can create. Identity theft insurance can help pick up the pieces and get victims through the ordeal.

Home Insurance Florida | | 5 Great Habits That Will Keep You & Property Safer

Looking both ways before crossing the street, not running with scissors, keeping our hands off of oven burners – those are just a few lessons our parents instilled in us as children to keep us safe. But how about as adults? No doubt you've got that whole hot burner thing down by now, but what about other habits that can protect you, your loved ones and your stuff from injury or loss? Here are five great safety habits to adopt right now.

CYBER INSURANCE FLORIDA | What is Cyber Insurance?

According to the Insurance Information Institute, Florida is ranked number two, by percent, of states with the highest total cyber crime victims in 2017. With American Integrity’s cyber insurance product, you can be protected if you fall victim to these attacks, cyber extortion, online fraud, or even a home systems attack.

Umbrella Insurance | Top 5 Things You Should Know About Umbrella Insurance

Bad things happen to good people. Life throws you a curve ball. And it really only takes one liability curve ball to affect your future. That’s where your umbrella policy comes in.

Filing A Flood Insurance Claim | Using Your Home Flood Insurance Policy

When your home has sustained flood damage, it can be very upsetting. Losing treasured family memorabilia, important essential items like medicine and clothing, and seeing damage to the structure of your home can be emotionally draining. As difficult as it is to lose these things, if your home is properly insured, you can recover your losses by filing a flood insurance claim.

Quote For Homeowners Insurance | 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!

Homeowners Insurance Quote | 9 THINGS HOMEOWNERS FORGET TO DO ONCE A YEAR

Here are nine of the most common maintenance chores homeowners forget to complete (how many of these have YOU done so far this year?)

Homeowners Insurance Florida | What's at Risk When You Don't Have Umbrella Insurance?

Imagine getting the news that you’re about to be sued for an accident that happened on your property, or was caused by your car or boat. The good news is, liability insurance exists for exactly this type of situation. The bad news is that there are limits to the amount of coverage your standard homeowners, auto, or boat policy will offer. Without an umbrella insurance policy, after you reach your policy limit, your personal wealth is at stake.

Homeowners Insurance Quote | Whether A Pro Or A Novice, Golf Cart Drivers Need An Insurance Buffer

Homeowners Insurance Florida | Do I Need Umbrella Insurance?

You’ve heard of umbrella policies and understand that they protect you beyond the liability limits of your base homeowners policy. But you still might be wondering: “Do I really need one?"

Homeowners Insurance Florida | What’s Your Relationship Status with Your Home?

February is the month for love, and one of the most significant relationships you can have is that with your home. Your current relationship with your home could foretell future changes, and that could mean big (or sometimes small) changes to your home insurance policy as well.

Homeowners Insurance Florida | What is Umbrella Insurance?

No matter how safe we try to be, the simple fact is that accidents happen. When accidents occur in homes or on personal property, homeowners insurance can usually help pay for damages. But what happens when costs associated with an accident exceed the maximum coverage afforded through your policy?

Renters Insurance Quote | Your Deductible and How It Works

For those new to the world of insurance, the deductible can be a foreign concept. Here we will explain what a deductible is and how it works, not only in your renters policy, but also in the event you should need to file a claim.

Home Insurance Quote Florida| Insuring Your Vacation Home

If you’re considering purchasing a second home, you will need an insurance policy designed for your secondary residence. Second homes come with some specific risks that your primary residence does not, and insuring this type of home can be much different.

New Additions | Your Insurance Policy and Home Renovations

There are times when you should review your policy and make updates as you are updating your home and your life – undergoing home renovations is just one of those times.

Renters Insurance | Top Eight Renters Insurance Questions Answered

Even though you might be in a somewhat temporary living situation, we know that your possessions are precious to you, and the cost of your personal belongings could add up to more than you think. Doesn’t it make sense to protect them?

Home Insurance Florida | Home Shopping? Consider These 3 Factors That Can Affect Home Insurance

Buying a home is an exciting time. Perhaps it’s your first home purchase, an investment property or a vacation home. There are many financial factors that will come into play during your upcoming purchase. However, there’s one crucial cost that buyers often overlook when searching for a home – home insurance.

Homeowners Insurance Florida | Reviewing Your Home Insurance Policy in the New Year?

New Year’s is a time for celebrating, new beginnings, and…homeowners insurance? It’s actually a wonderful time to not just review your existing coverage, but to make sure that your policy is up-to-date and accurately reflects all those gifts from the holiday season.

Boat Insurance | Do I Need Boat Insurance?

So you’ve achieved a personal goal: buying a boat. Boater safety classes, licenses and registration are all on the top of your list of to-dos along with the purchase of trailers, dock space and boat maintenance supplies. While you’re finding your sea legs, don’t forget to find the right boat insurance for your nautical lifestyle.

Renters Insurance I What You Cover and What Your Landlord Covers

You may be one of the 37.1 million households that rents a home or apartment in the U.S. If so, your landlord or rental company may require you to carry a renters insurance policy as a requirement for your tenancy.

Homeowners Insurance Florida| 5 Common Questions About the 2018 NFIP Policy Change

You may have heard about the recent changes that FEMA has announced in regard to their National Flood Insurance Program (NFIP) cancellation policy. Here are the answers to some frequently asked questions about this important change.

Home Insurance Florida | Shopping for Home Insurance In The Sunshine State

Whether you’re a first-time home buyer or a longtime homeowner in the Sunshine State, there are several factors to consider when shopping for home insurance in Florida.

Stocking Up for the Storm | 10 Items to Get on Your Supply Run

To keep your storm list short and trip smooth, here are 10 items to take to the checkout this Hurricane season.

Homeowners Insurance Florida | Renters Insurance, Made Easy

Purchasing your Florida renters insurance policy might not be on your “Top Ten” list of fun things to do, but it doesn’t have to be a lengthy or tedious process, thanks to our online quoting tool. And with monthly prices as low as the cost of a couple movie tickets, why wouldn’t you want to ensure your possessions are protected?

Home Insurance Quotes Florida | How To Compare Home Insurance Quotes

As a homeowner, you want to protect your biggest investment with the best insurance policy to suit your needs and your budget. Most Florida home insurance companies offer free quotes to prospective homeowners. It is a great idea to get a couple of these and compare them to determine the best coverage for your home. Getting the quote is easy, understanding how to compare multiple quotes becomes a bit more complicated.

SO YOU JUST BOUGHT YOUR FIRST HOME? | WHAT TO DO NEXT

From fear to elation, first-time home buyers experience a lot of emotion throughout the purchasing process, and even after they have taken possession of their new property. Once the fireworks are over and you’ve settled into your new home, you may think, “Wow! What now?” Unlike moving into a new rental where you unpack and you’re all set up, the responsibility to take care of your investment now falls squarely on your shoulders and for savvy homeowners, will become part of their regular routine.

PROTECTING YOUR HOME FROM MOLD | HOME INSURANCE CLAIMS PREVENTION

Mold is a costly problem that can creep up in your home if you aren’t proactive. Unless mold in your home can be directly attributed to some covered event like flooding or a burst pipe, mold testing and removal won’t be covered by your home insurance policy. Depending on the nature of the mold and its location, removal can be quite costly to homeowners and is generally an unexpected issue when discovered. Because of this, it is best to protect your home from moisture and dampness before mold has a chance to take root.

Home Insurance Quote Florida | Understanding Your Home Insurance Policy

Understanding all of the parts of your home insurance policy is important to make sure you’re protected should anything go wrong. Your home insurance coverage, which is designed to protect you against sudden and accidental losses, is broken up into different sections that cover different aspects of your home.

Home Insurance Quote | Make Hurricane Preparedness Part of Your Spring Cleaning

Spring has arrived! Although here in Florida our weather doesn’t differ all that much between winter and spring, it does mean that we’re one step closer to hurricane season, and we want to make sure you and your home are ready. Hurricane season begins June 1 and lasts through November 30 - the time to prepare begins now!

Home Preparations for Snowbirds

Heading back up north after enjoying a warm winter here in the Sunshine State? Leaving your home for months at a time can be a bit unsettling, to say the least. We want to put your mind at ease with these helpful tips that will help ensure your home is protected from unexpected perils such as a potential theft or fire.

ASSIGNMENT OF BENEFITS- The Worst Insurance Crisis Ever!

Scott Johnson, a P&C insurance expert, has been leading the charge in consumer education regarding a variety of insurance-related issues for many years, but especially in regard to the Assignment of Benefits (AOB) issue plaguing Florida.

Home Insurance Quote Fl. | What Is Cyber Coverage, and Why Do You Need It?

In this day and age, almost everything we do involves our digital footprint. Whether you’re banking online, shopping, or even purchasing insurance, entering your personal information is usually a necessity. Unfortunately, as quickly as we have adapted to technology, so have criminals.

Homeowners Insurance Florida | Don’t Risk It. Get Flood Insurance.

Have you ever been caught in a downpour while driving and looked in your rearview mirror only to find that it’s sunny and clear behind you? We understand; Florida weather is anything but predictable. We have to endure tropical storms, hurricanes, and torrential rains. Think you’re in the clear if you live inland? Think again! Everyone in Florida is at risk of flooding, even if you don’t live by the ocean.

Home Insurance Quote | 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 American Integrity Insurance want to make sure that you’re prepared. First, it’s important to be aware of what kind of insurance coverage you have, or don’t have. What many homeowners may not realize is that flood insurance is not included in standard Florida home insurance policies.

Affordable Home Insurance | 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 ALL of your clothing, electronics, kitchenware and everything else, all at one time, if they all went up in smoke! Renters insurance is an affordable way to protect your assets if the unfortunate occurs.

Home Insurance Florida | 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 extinguishing the fire), and lots of other inconveniences.

Home Insurance | 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. But in reality, and for insurance purposes, they have very different meanings.

Home Insurance | Go Green this Spring!

Home Insurance | 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.”

Homeowners Insurance Quote | Ways to Fill Your Home with Love

It’s time to DTR (define the relationship) with your home. What better time to spread love than right before spring, the unofficial season of love? If you feel that your home needs a bit of a makeover, take the time now to reestablish your connection.

Homeowners Insurance | Does The 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 like American Integrity. 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 chance that an event may or may not happen – insurance is intended to cover unforeseen, accidental events.

Homeowners Insurance Florida | Valentine’s Day and Integrity

According to Forbes, the 2017 jewelry market is expected to reach $257 billion. Of that, according to Statisticbrain.com, about 17% will be purchased for Valentine’s Day (nearly $44 billion). That’s a lot of value on fingers, around necks and wrists, in ears, and left in houses, apartments, hotels, and cars.

Homeowners Insurance | 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.

Whether a Pro or a Novice, Golf Cart Drivers Need an Insurance Buffer

Though golf carts are often associated with leisure and sunny skies, they also come with all of the potential perils that other forms of mechanized transportation present. And much like your car – a mode of transportation that can reach speeds over 20 mph – your golf cart can be subject to damage, collision, or theft.

New Year's Resolutions for Your Home

When the ball drops at midnight on New Year’s, many of us start formulating those all-important resolutions. What are you going to do differently or better next year? Your resolutions can also be extended to one of the things you’ve worked hardest for in life – your home – as well as the insurance you have to protect it. Here are some ideas that could give you more peace of mind in the new year.

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 roofing, membrane roofing and photovoltaic shingles. In cooler and subtropical climates, other materials are favored, such as slate, wood or cedar shingles, or metal roofs. But whatever the roof type or material, it will deteriorate or become damaged over time.

Are You Responsible for Irresponsible Tailgaters in Your Home?

A full house can turn any football game into a frenzy, and you may be left wondering - if there were to be an unexpected accident in your home, are you liable for your visiting tailgaters? The honest answer is, it depends. Here are some different scenarios that may or may not be in your home insurance playbook. Contact your agent today to find out about the coverage limits on your policy. Go team!

Cheap Home Insurance | The Hazards of Halloween

Halloween can be a candy-filled triumph filled with costumes and laughter, but there’s a lot of preparation that goes into making it a safe one. Not only should you be frightened of the monsters and goblins that lurk in the darkness, but of the potential gaps in your Halloween preparation or even your homeowners insurance as well! A scary time, indeed.

Cheap Home Insurance | Don’t Cry Over Spoiled Milk

You may be pleasantly surprised to learn that your homeowners insurance may kick in at unexpected times for various reasons (maybe even for that spoiled food in your fridge).

Back to School: Will Your College Student’s Belongings Be Covered by Your Homeowners Insurance?

As your college student gets ready to head to campus, you may be wondering how their personal belongings will be protected if a theft, fire, careless accident, or other unfortunate incident should occur. Will their laptop, jewelry, and other items be covered by your homeowners insurance when they’re away at school?

Top Five Things You Should Know About Florida Umbrella Insurance

Getting to know a new insurance policy can be as daunting as going on a blind date. There are some questions, mixed with long stares and a lot of “What if?” questions. That’s especially true when it comes to umbrella coverage, which helps protect you from some of the hypothetical scenarios you hope would never happen. But sometimes clichés are true: Bad things happen to good people. Life throws you a curveball. And it really only takes one liability curveball to affect your future.

Home Insurance Quote Online | 9 Things Homeowners Forget to Do Once a Year

Having year-round backyard barbecues – just one of many reasons to love owning a home in the Sunshine State! But there are a few aspects of Florida home ownership that may not be so fun, like performing your necessary, routine maintenance tasks. Here are nine of the most common maintenance chores homeowners forget to complete (how many of these have YOU done so far this year?)

Home Insurance Quote | Hurricane Season Is Here

With a bit of preparation and planning, you’ll weather any storm that comes your way this hurricane season. Stay safe and protected!

Home Insurance Quote | 5 Great Habits That Will Keep You & Property Safer

Looking both ways before crossing the street, not running with scissors, keeping our hands off of oven burners – those are just a few lessons our parents instilled in us as children to keep us safe. But how about as adults? No doubt you've got that whole hot burner thing down by now, but what about other habits that can protect you, your loved ones and your stuff from injury or loss? Here are five great safety habits to adopt right now.

Homeowners Insurance Florida | An Unfortunate (and Growing) Trend

AOB is typically used in certain lines of business such as auto insurance and property insurance. In the auto insurance arena, an insured signs an AOB which gives the auto body repair shop the ability to “stand in the shoes” of the car owner during the repair process to expedite the ordering of car parts or other needs during the auto repair claim cycle. The same is true with property insurance.

Homeowners Insurance Online Quote | Storm Season 2016: Are You Prepared?

It’s the least wonderful time of the year for Floridians – hurricane season has arrived. From June 1 – November 30, meteorologists will be on the lookout for weather disturbances that could potentially turn into tropical storms – or worse. Because Florida has the greatest hurricane exposure in the country, now is the perfect time to recheck your preparedness for a major storm.

Leaving a House (Vulnerably) Vacant...Nine Ways to Protect Your Unoccupied Home

You need special coverage if your home will be unoccupied for an extended period of time. Simply locking the door and asking someone to check in once in a while could be a costly mistake if your house is damaged or sustains some other type of loss while it is vacant.

Homeowners Insurance Quote | The ROOF Truth: Hail Bent on Scamming Homeowners

Unscrupulous roofing contractors are scoping out neighborhoods with aging roofs, sometimes even manufacturing the damage themselves before knocking on unsuspecting homeowners’ doors to tell them they have hail damage and could receive a free new roof, courtesy of their insurance company.

Holiday Safety and Savings

’Tis the season for holiday shopping; for cyber criminals, it’s the most wonderful time of the year. While you might think that beating the crowds is the biggest challenge you face on Black Friday and Cyber Monday, American Integrity Insurance wants to help you avoid risks even greater than missing out on that huge discount at your favorite store.

Recent Rains Cause the Lack of Flood Insurance to Hit Close to Home

Even If You Don’t Live in a Flood Zone, All of Florida is Flood-Prone. Florida's recent torrential rains and the flooding they caused are a stark reminder that it's not just hurricanes that can wreak havoc here in the Sunshine State.

Home, Safe Home: Protect Your Home by Installing a Security System

Life in Florida isn’t all sunshine, beaches and roller coasters – property located in Orlando, the amusement park capital of the world, is a whopping 142 percent more likely to be the site of a property crime than the national average, according to a study conducted by reviews.com.

Insuring Insurance Companies: Why It's Important To Understand Reinsurance

Did you know your homeowner insurance company is insured? And that the amount of insurance it carries could have a huge impact if you have to make a claim due to a devastating event?

Home Insurance | Understanding Condo Insurance

Understanding Condo insurance is tricky because it is not quite like a homeowner policy but not a renter's policy either, Condo insurance provides necessary protection for condominium owners when they need it.

Assignment of Benefits: The Leak in Property Insurance That’s Costing Florida Homeowners Thousands

When a hurricane comes through Florida it’s like a burst pipe in a home. It’s a major event everyone pays attention to that can leave a lot of damage – fast and furious...

Home Insurance Quote | 5 Questions Every Homeowner Should Ask

Your deductible is the amount “deducted” from the money you receive from your insurance company if you have a covered loss (claim)...

Four Questions Every Homeowner Should Ask About Reinsurance

Your insurance company should have a robust reinsurance program, purchased through reputable reinsurance companies. What is a reinsurance company? Simply: "an insurance company which insures insurance companies." Reinsurance helps pay for losses in the event of a major disaster. Just as homeowners purchase insurance to reduce their financial loss in the event of a major accident, insurance companies purchase reinsurance to reduce their financial loss in the event of a major catastrophe.

Homeowners Insurance Quote | Get a C.L.U.E!

Florida homeowner’s insurance companies consider many variables when reviewing an application for insurance. If you own a home it’s important to understand these variables so you can make sure the insurance company has all the correct information needed to make their decision. Many insurance companies utilize claim history when making their decision and this is where the C.L.U.E.® report comes into play.

A Primer on Actual Cash Value vs. Replacement Cost

One concept you'll want to make sure you understand in homeowners insurance is ‘actual cash value’ versus ‘replacement cost’ coverage.

If the tree is going to fall down...?

Homeowners insurance covers damage that is sudden and/ or unexpected. It doesn't cover routine maintenance or repairs or replacements needed as a result of normal "wear and tear". Sometimes this doesn't seem to make much sense. I recently found out that one of the big trees in my yard was dying and needed to be taken down. Otherwise, there was a significant risk that it would come down on my house during the next storm.

Home Insurance Quote | Ordinance or Law Coverage: What It Is, Why You Need It

In recent posts, we've talked about how to make sure you have the right coverage to protect your home. There is another element of homeowners insurance that is essential to ensure you have all the coverage you need -- and not having it could leave you unexpectedly out of pocket for thousands and thousands of dollars in the event of a covered loss.

May Your Holidays Be Happy -- And Safe!

The holidays are fun, festive times when we get in touch with what really matters: the people we love and how blessed we are in life. But in the midst of all the get -togethers, feasting, and gift-opening, there are certain risks that come along with celebrating this time of year.

Homeowners Insurance Quote | 12 Home Maintenance Checks You Should Know

Here's a check list to maintain your home in the best possible shape and get the maximum life out all of its components.

Affordable Homeowners Insurance Florida | Unforeseen Loss vs. Neglect

What many homeowners don't understand is that, while their house may experience damage, there's a distinction between unforeseen damage and the kind of damage resulting from neglect or the natural aging of components of your home.

Homeowners Insurance Florida | NOT Home for the Holidays?

The holidays can be a busy time, especially if you plan on traveling. Unfortunately, you might be so focused on your trip you forget to take simple steps to protect one of the most important, if not the most important, assets in your life…your home!

Home Insurance Florida | This time it's your roof! Florida homeowners scammed

When you sign a contract which contains an “Assignment of Benefits,” you sign the rights to your claim and any monies for your damage to that contractor in exchange for the contractor fixing the problem.

Home Insurance Quote Florida | The Real Consequences of Fake Claims

How bad is the insurance fraud problem? Not long ago, the industry staged a phony accident on the New Jersey Turnpike with a bus whose every passenger was a fraud investigator. More than 100 fake claims were filed by people who either jumped on the bus after the accident or were passersby.

Home Insurance Quote Florida | You Won’t Believe These Strange Claims!

Many people are pleasantly surprised to learn all the things that their policies are prepared to cover -- and sometimes they are downright amazed at the things a good policy will take care of for homeowners.

Find Home Insurance Quote | Unfair! My Premium Increased…Again!

Customers are often upset when their homeowner’s insurance premium increases even when they've never had a claim. We understand how frustrating this is and wanted to share some reasons why.

Home Insurance Quote | Don’t worry. We'll take care of everything. Just sign...

Should you do it? If something sounds too good to be true, it usually is. So, “Just say no!”