Gulfshore Insurance > Gulfshore Blog > Personal Insurance

water-damageDid you know that water damage is one of the most commonly cited claims on home insurance? This should not come as a total surprise considering the many possible causes of water damage – heavy rain, bursting of pipes, and the bathtub accidentally overflowing. After making sure that you and those you live with are safely out of harm’s way, here are five important steps you should take if you experience water damage in your home. Read more

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Many buyers in Florida deed their homes to Trusts or LLC’s for tax and/or probate purposes. What these buyers may not know is that they may face higher premiums by going this route rather than personally deeding the property. Reason being, some of the more competitive insurance companies in Florida do not necessarily want to insure properties owned by LLC’s and in some cases, will not insure the Trust depending on who is assigned as grantor/trustee because it creates a greater liability exposure. Read more

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Every home will have a market value and replacement cost estimate; however, each value is totally independent and applied to difference uses. Read more

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jewelry1Jewelry is known to be a popular gifting option for loved ones. Whether it’s for their birthday, an anniversary, Christmas, or even Valentine’s Day, a piece of jewelry says it all. However, the less exciting part about buying or receiving jewelry is worrying about what could happen to it. That’s why there’s insurance jewelry, to make sure that if something does happen to your favorite piece of jewelry, you can have it fixed or replaced.

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The National Hurricane Center’s declaration that Sandy became a “post–tropical storm” just before it made landfall, provided cost savings to homeowners along the northeast coast. Although Sandy was designated a hurricane for the majority of time it traveled up the coast, it failed to sustain hurricane-force winds at landfall, so it was officially a tropical storm. … Read more

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