Laureate Risk Tips

It’s Home Office Safety and Security Week! Business Owners, did you know that if your home is your headquarters that your homeowners insurance may not necessarily cover your home office... ...

To better understand the unique needs of our clients, we are purposefully situated in the heart of the community we serve.  We have strong partnerships with the builders and Homeowner’s... ...

Always get in touch with your mortgage lender if you must file an insurance claim. In most cases, your lender needs to be made aware of an insurance claim. Why... ...

Use a car service to get home from your holiday parties. Average Uber/Lyft: $25-45 Average DUI Fees: $4000 Average Car Insurance Increase: $1,100 Choose wisely and get home safe! Contact... ...

Having a well-documented paper trail for your insurance claim is key making the process as painless as it can be. Save all your receipts, take pictures of everything, ask for... ...

Deductibles are what you pay before your insurance policy kicks in. By requesting higher deductibles on your auto insurance, you can lower your policy cost. For example, increasing your deductible... ...

Did you know that comprehensive auto insurance covers you and your vehicle with unexpected things such as fire, hail or floods? This is something to consider if you live an... ...

Car insurance takes a variety of factors into consideration for how much it costs such as the price of the car and how much it is to repair it. Be... ...

Replacement cost is how much it will cost to rebuild your home with similar types and quality of materials. Market Value is the actual cash value of the home. These... ...

You may pay a lower homeowners insurance premium if you live near a fire department. There are other factors to consider such as how effective the fire department is, the... ...

Water damage is one of the most common types of homeowners insurance claims and every year 1 in 50 homeowners will file a water damage claim. Be sure to know... ...

When decorating your homes for Halloween, the risk that someone may slip and fall while navigating these spooky displays increases. Homeowners could face insurance claims if guests hurts themselves and... ...

Each year, thousands of animal-related collisions are reported. These accidents can cause serious injuries and costly vehicle repairs. Living in Florida, this is a risk we know all too well,... ...

A working smoke alarm considerably increases your chances of surviving a fire in your home. Replace the batteries twice a year, unless you are using 10-year lithium batteries. Install smoke... ...

While you’ll no doubt get instructions from the local government, it’s wise to create your evacuation plan well before a hurricane. MAKE A PLAN Even if there is no threat... ...

A standard home insurance policy will typically offer a minimum of $100,000 of liability protection for a homeowner. However, we recommend increasing coverage to $300,000 or $500,000 especially if you... ...

You may be able to save on insurance premiums by looking into safety and prevention features that often merit a discount. Consider purchasing monitored burglar alarms and security cameras both... ...

Bundling your renters insurance with your other policies can be an easy way to save money. We can check with your auto insurance company to see if they offer renters... ...

We are in the heart of hurricane season, so it is a good idea to review your homeowner’s insurance policy coverages and deductibles. Are you fully covered in case of... ...

On July 28, 2021, Gulfstream Property and Casualty Insurance Company (“Gulfstream”) was ordered liquidated by the Second Judicial Circuit Court in Leon County, Florida. The Florida Department of Financial Services (“Department”)... ...

In Florida, our AC units are really put to the test during the summer months with temperatures reaching well above the 90’s. The following checklist should be performed on your... ...

Driving around Florida, we all know that construction on the roadways seems to be a never-ending thing. To keep everyone safe, we urge you and all drivers to pay attention... ...

Summer is here and if you have a pool in your backyard, it’s probably a good time to consider all steps you can take to ensure you and your family... ...

WHAT TO DO IF YOU HAVE DAMAGE If you need to report a claim, please contact the insurance company directly. This will ensure the fastest service and processing. We also have... ...

Summer is almost here and with schools closing, that means more time for family vacations! After a year of being inside and now that vaccines are being rolled out more,... ...

Hurricane season is something that Floridians are all too familiar with, but when it comes to being prepared, you can never over do it. Please take a moment to get... ...

If you call Florida home, the potential for floods is nothing new. Even if you don’t live in Florida, you still are at risk to experience flooding. Flooding is one... ...

Trying to live a healthier lifestyle can be a little complicated at times. There are so many different facets of life to improve upon such as weight management, physical health,... ...

Summer is right around the corner! While many of us may be ready to hit the water — we at Laureate Insurance want to make sure you are equipped with... ...

If 2020 has taught us anything, it is to expect the unexpected. That is why is it crucial to get prepared before an emergency arises. We have put together a... ...

Have you heard that saying, “the days go by slow, but the years go by fast?” That saying seems so apropos when it comes to home maintenance. While it feels... ...

The holiday season is a great time to celebrate with family and loved ones, a day to eat, drink, and be thankful for all we have. While we know that the... ...

Giving Jewelry for the Holidays As with most celebrations, jewelry is at the top of the list for gift giving. Thinking of gifting a piece of expensive jewelry or a... ...

MAKE YOUR HOUSE LOOK OCCUPIED To prevent theft or vandalism, we recommend making your home look occupied. Leave on lights inside your home if you’re not going to be there... ...

  PREPARE YOUR HOME WHILE AWAY When you are traveling for the holidays, burglars could target your home. Having an alarm system installed can help keep burglars out and in... ...

Lightning can cause damage to you, your home, and your valuables. It’s critical to take steps to prevent the dangerous effects of lightning and to keep you and your family... ...

In its simplest form life insurance policies are designed to cover loss of income, end-of-life expenses, funeral costs or other financial needs that your family may have in the unfortunate... ...

After a natural disaster, unethical vendors or public adjusters may approach you with schemes promising to put you in a better position than you were before the catastrophe. These schemes... ...

A week ago today most of Central Florida was preparing for what was expected to be a direct hit from Hurricane Dorian.  We saw how quickly it grew into a... ...

While we hope the storm doesn’t impact you or your family, we want all of you to know that we are fully prepared to help you or your business in... ...

Equipment breakdown insurance fills the gaps in your homeowner’s insurance since most policies don’t cover the cost of repairing and replacing your home equipment when it breaks down.  However, that... ...

Safely Share the Road with School Buses: If you’re on an undivided road then do no pass a bus from any direction. Traffic must stop if the yellow or red... ...

Guide to Flood Insurance Watch as Laureate Insurance Personal Risk Advisor, Julie Newman, discusses pertinent information regarding flood coverage in Central Florida . Contact the Laureate team here for more... ...

Key Things to Know about Back to School Tax Free Weekend 2019  ·        It lasts 5 days vs. last year’s 3 days Friday, August 2nd – Tuesday, August 6th  ... ...

At Laureate Insurance, we understand the differences between owning a home and renting. And when it comes to protecting your town home, it’s important to understand that insurance for a town... ...

Click below to watch this interview of our Personal Risk Advisor Julie Newman to learn more! https://www.youtube.com/watch?v=t1BtA57ErI0&feature=youtu.be ...

ASSIGNMENT OF BENEFITS Have you heard of assignment of benefits or AOB for short? More importantly do you understand the impact of signing an assignment of benefits over to a... ...

4TH OF JULY WEEKEND Independence Day festivities are well underway and we hope that all of our neighbors have a happy and safe 4th of July weekend!  For that reason... ...

Summer Safety Tips BEAT THE HEAT Summer is all about being outside, but make sure that the heat doesn’t ruin all of the the fun for you and your family. ... ...

Boat Safety Summer is finally here! While many of us may be ready to hit the water — we at Laureate Insurance want to make sure you are equipped with... ...

Sinkhole Coverage  WHAT IS A SINKHOLE? Florida law defines a sinkhole as “a land form created by subsidence of soil, sediment, or rock as underlying strata are dissolved by groundwater.... ...

Giving Jewelry this Mother’s Day As with most celebrations, jewelry is at the top of the list for gift giving. Thinking of giving your mom a piece of expensive jewelry... ...

Tips on Preventing Water Damage Here are a few tips to prevent water damage:  ·        Leaky plumbing and water heaters – plumbing should be inspected annually and repaired for signs... ...

Savings Are in Bloom This spring, we want to make sure that you are taking full advantage of all the discounts you can possibly get when protecting the things that... ...

Don’t Stress About Your Homeowner’s Insurance In order to understand the unique needs of our clients, we are purposefully situated in the heart of the community we serve.  We have... ...