Guides
Florida, written like we talk at the desk.
Miami-Dade and Florida guides, by line. The Palmetto approach — no maze, a quote when you are ready.
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Teen drivers and SR-22 in Palmetto Bay: adding a driver without wrecking the policy
How Miami-Dade families add a teen, handle SR-22 filings, and keep a household auto policy from becoming the most expensive line in the house.
Read the guide · 6 min readAuto
Full coverage in Miami: collision, comprehensive, and what lenders actually require
What “full coverage” means in Miami-Dade — collision, comprehensive, deductibles, and the lender requirements that surprise people after a flooded street or a hit-and-run.
Read the guide · 6 min readAuto
Florida no-fault and PIP in Miami-Dade: what the 10/20/10 actually covers
Florida is a no-fault state. How PIP, property damage, and bodily injury work after a crash in Miami-Dade — and why the state minimum leaves a hole.
Read the guide · 6 min readHome
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Citizens coverage gaps Florida homeowners actually hit: flood, roofs, and deductibles
What a Citizens homeowners policy typically does not replace — flood, hurricane deductibles, roof payment, and contents — written for Miami-Dade households comparing residual paper to private forms.
Read the guide · 6 min readHome
Citizens eligibility in Florida: last resort, comparable coverage, and the Clearinghouse idea
How Florida decides when a home can sit in Citizens — last-resort rules, comparable private offers, and what Miami-Dade households should expect before residual paper is even on the table.
Read the guide · 6 min readHome
Citizens vs. the private market in Miami-Dade: how Florida’s residual roof actually works
An educational look at Citizens Property Insurance as Florida’s residual homeowners market — eligibility, what the form is not, and how it compares with private paper in Miami-Dade.
Read the guide · 6 min readHome
HO-6 in Doral and Brickell: walls-in coverage after the master policy
Miami-Dade condos: what the association master policy covers, what HO-6 still has to do, special assessments, and milestone-inspection fallout for unit owners.
Read the guide · 6 min readHome
Wind vs. flood in South Florida: why your HO-3 does not cover the surge
Hurricane season in Miami-Dade: wind deductibles, water from the sky vs. water from the bay, and why homeowners insurance and flood insurance are different policies.
Read the guide · 6 min readFlood
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Flood insurance and your South Florida mortgage: escrow, zones, and closing dates
How Miami-Dade lenders force flood insurance, what escrow does to the bill, and how to bind NFIP or private flood in time for a Palmetto Bay or Doral closing.
Read the guide · 6 min readFlood
Storm surge vs. rainfall flood in Miami-Dade: same policy, different water
How storm surge, rainfall, and drainage-backup flooding work in Miami-Dade — and which flood insurance actually responds when Biscayne Bay or a summer cell is the cause.
Read the guide · 6 min readFlood
NFIP vs. private flood in Palmetto Bay: two markets, one canal
Compare NFIP and private flood insurance for Palmetto Bay and Miami-Dade homes — limits, waiting periods, elevation certificates, and when private flood actually fits.
Read the guide · 6 min readHealth
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Self-employed health insurance in Doral: household plans, not “business group” myths
How 1099 and LLC households in Doral and Palmetto Bay buy health insurance — marketplace subsidies, ICHRA, and when a group plan is real versus a brochure.
Read the guide · 6 min readHealth
Leaving a job in Miami-Dade: COBRA vs. marketplace vs. a new employer plan
What to do with health insurance when you leave an employer in Miami-Dade — COBRA deadlines, marketplace special enrollment, and how families avoid a coverage gap.
Read the guide · 6 min readHealth
Florida health insurance in Miami-Dade: marketplace, off-exchange, and the subsidy math
How Miami-Dade families use the ACA marketplace vs. off-exchange plans, APTC subsidies, networks from Kendall to Doral, and what to check before open enrollment.
Read the guide · 6 min readLife
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How much life insurance does a Palmetto Bay family actually need?
A practical way to size term life for Miami-Dade families — income, childcare, mortgages, and college — without a 20× income slogan.
Read the guide · 6 min readLife
Life insurance for Florida’s self-employed: key person, buy-sell, and the household
How Doral and Palmetto Bay business owners use term, key-person, and buy-sell life insurance — and why the personal policy still comes first.
Read the guide · 6 min readLife
Term vs. whole life for Miami-Dade homeowners: mortgage, kids, and what to skip
How Palmetto Bay and Doral families choose term or whole life — income replacement, mortgage protection, cash value, and the version that actually gets issued.
Read the guide · 6 min readBusiness
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Florida workers comp for small businesses: who must carry it, and who is playing chicken
Florida workers compensation thresholds, construction vs. other classes, 1099 vs. W-2 in Miami-Dade, and how we place comp without a last-minute job-site panic.
Read the guide · 6 min readBusiness
BOP vs. separate policies for a Doral storefront: when the package is enough
Businessowners policy vs. standalone GL and property for Doral and Miami shops — wind deductibles, business income, and the risks a BOP quietly excludes.
Read the guide · 6 min readBusiness
General liability for Miami contractors: job sites, additional insureds, and the GC email
What Miami-Dade contractors actually need on a GL policy — limits, additional insured endorsements, completed ops, and why the certificate is not the coverage.
Read the guide · 6 min readCommercial
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Certificates of insurance for Miami GCs: how to pass the site packet without lying
How D Insurance Group issues COIs for Miami-Dade jobs — additional insured, waivers, primary and noncontributory, and the difference between a certificate and an endorsement.
Read the guide · 6 min readCommercial
Commercial property in South Florida: wind deductibles, roofs, and a building that has to reopen
How Miami-Dade commercial property insurance treats hurricane deductibles, ordinance or law, business income, and older roofs on Palmetto Bay and Doral buildings.
Read the guide · 6 min readCommercial
Commercial auto in Miami-Dade: deliveries, last-mile, and the personal policy that will not pay
When a personal auto policy fails Miami-Dade business driving — commercial auto, hired and non-owned, box trucks, and last-mile delivery contracts.
Read the guide · 6 min readLiability
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Premises liability for Miami shops: floors, parking lots, and the claim that starts in the rain
How Doral and Palmetto Bay retailers and offices handle premises liability — slip-and-fall, parking lots, contractors on site, and the GL limits landlords require.
Read the guide · 6 min readLiability
Landlord liability in Miami-Dade: DP-3, premises, and the tenant who has no renters policy
How Miami-Dade landlords insure rental houses and condos — dwelling property vs. HO-3, premises liability, animal exclusions, and why tenant renters insurance is not your GL.
Read the guide · 6 min readLiability
Personal umbrella vs. business GL in Florida: which excess actually sits over what
How a personal umbrella, commercial umbrella, and general liability stack for Miami-Dade households and shop owners — boats, rentals, and the lawsuit that does not care which LLC you formed.
Read the guide · 6 min readPet
Breed lists in Florida pet insurance: mixes, “bully” labels, and how we still place coverage
How pet insurers treat breed restrictions in Florida — mixed-breed labeling, liability vs. medical, and what Miami-Dade owners should disclose on day one.
Read the guide · 6 min readPet
Hurricane prep for Florida pets: boarding, evacuation, and what pet insurance will not pay
How Miami-Dade pet owners prepare for named storms — boarding, evacuation, lost-pet risk — and the gaps in pet insurance, homeowners, and flood when the power is out.
Read the guide · 6 min readPet
Pet insurance vs. wellness plans in Miami: ER visits, deductibles, and the $4,000 afternoon
How Miami-Dade pet owners compare accident-and-illness insurance with wellness plans — vet ER costs, waiting periods, and what reimburses vs. what is prepaid.
Read the guide · 6 min readCollectible
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Art and wine in Brickell and Coral Gables: agreed value, humidity, and the HO-3 contents cap
How we schedule fine art and wine collections in Miami-Dade — breakage, mysterious disappearance, climate, and why homeowners contents is the wrong vault.
Read the guide · 6 min readCollectible
Classic car insurance in South Florida: agreed value, heat, hurricanes, and the daily driver test
How Palmetto Bay and Doral collectors insure classic and collector cars — agreed value vs. actual cash value, usage limits, and storm storage in Miami-Dade.
Read the guide · 6 min readCollectible
Scheduling jewelry and watches in Miami: the HO-3 sublimit is not a vault
How Miami-Dade households schedule jewelry and watches — appraisals, pair-and-set, vault credits, and why a homeowners policy will not replace a Brickell watch at full value.
Read the guide · 6 min read