Insurance Tips & Resources
Expert advice to help you make smarter insurance decisions.
Can You Insure a Car Registered to Someone Else in FL?
If the title says one name and the driver is someone else, insuring that car gets tricky in Florida. Here's how the main options compare, and what I'd actually tell my own family to do.
When to Drop Collision Coverage on an Older Car
Not sure if your older car still needs collision coverage? Coastal Kayla walks through the exact numbers to check, when it makes sense to drop it, and what you're really giving up if you do.
How to Choose a Hurricane Deductible You Can Afford
Hurricane deductibles work differently than your regular home deductible, and picking the wrong one can leave you short thousands after a storm. Here's a step-by-step way to choose an amount you can actually cover.
Condo Insurance vs. HOA Master Policy: Who Covers What?
Your HOA master policy and your condo policy are designed to work together, but they do not cover the same things. Here is how Palm Beach County condo owners can sort out building coverage, personal property, liability, deductibles, flood losses, and special assessments.
How Much Liability Coverage Does a Florida Driver Need?
Florida’s required auto coverage is not the same as enough liability protection. Learn how to choose practical bodily injury and property damage limits based on your assets, household, vehicle use, and risk exposure in Palm Beach County.
How to Read a Florida Homeowners Declarations Page
Your homeowners declarations page is a one-page snapshot of your entire policy. Most people never read it until a claim is denied. This guide walks you through every line so you know exactly what you have, and what you might be missing.
How Adding a Teen Driver Changes Florida Auto Insurance
Adding a teen driver changes more than your premium. Learn when to notify your insurer, how Florida coverage applies, which limits matter most, and practical ways Palm Beach County families can protect their household.
5 Gaps in Standard Florida Homeowners Policies That Surprise New Owners
Florida homeowners policies look thorough on paper, but five common gaps catch new owners completely off guard. From flood exclusions to mold limits, here is what your standard HO-3 probably does not cover, and what to do about it.
Agreed Value vs. Actual Cash Value: Which Boat Policy Wins?
Choosing between agreed value and actual cash value boat coverage can mean thousands of dollars at claim time. This guide breaks down how each works, who benefits most, and how to decide which fits your boat and budget in South Florida.
Home-Based Business in Florida: Does Your Homeowners Cover It?
Your homeowners policy probably covers a lot less of your home-based business than you think. Here is exactly what standard policies exclude, what your options are, and what I would tell my own family before choosing a coverage path.
How Florida's No-Fault Auto Law Affects Your PIP Claim
Florida's no-fault law means your own insurance pays your medical bills first, no matter who caused the crash. Understanding PIP rules before an accident can save you thousands and keep your claim from getting denied.
Florida Workers' Comp: Who Needs It and What It Costs
Florida's workers' compensation rules catch a lot of small business owners off guard. This guide breaks down exactly who must carry coverage, how premiums are calculated, and the fastest way to get compliant without overpaying.
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