Category: Uncategorized

Introduction

If you’re a Florida homeowner, there’s a good chance you’ve heard of Citizens Property Insurance Corporation — or maybe you’re even insured through them. What many don’t realize is that Citizens isn’t a typical insurance company. It’s a state-run, nonprofit insurer of last resort, created to provide coverage when private companies can’t or won’t.

But as Florida’s insurance market has tightened, Citizens’ policy count has grown to near-record levels — and that’s where the “depopulation program” comes into play.

Here’s what Citizens depopulation means, how it works, and what you should know if your policy is selected for takeout.

Continue reading “Understanding Citizens Insurance Depopulation: What It Means for Florida Homeowners” →

Introduction

When Florida storm season hits, most homeowners know they have hurricane coverage — but few actually understand what their deductible means.

That “2%” or “5%” you see on your policy isn’t a small number taken off your claim. It’s a percentage of your home’s insured value, which can translate to thousands of dollars out of pocket before your insurance even kicks in.

At Tampa Bay Insurance, we’ve seen how confusing these terms can be for homeowners — especially after a storm. So let’s break down what hurricane deductibles really mean and how they impact your wallet.

Continue reading “Hurricane Deductibles Explained: Why That 2% Isn’t What You Think” →

Introduction

With storm season never far away, Florida homeowners know how essential flood insurance is to protecting their property and peace of mind. But what happens when the federal government shuts down?

One of the most significant effects of a funding lapse is on FEMA’s National Flood Insurance Program (NFIP)—the source of most flood policies across the U.S. During a shutdown, NFIP temporarily loses its authority to issue new policies or make certain updates, leaving homeowners and homebuyers uncertain about their options.

Here’s what you need to know if a government shutdown occurs and how Tampa Bay Insurance can help you stay protected.

Continue reading “Government Shutdown & FEMA Flood Insurance: What to Know” →

Why wind mitigation matters in Florida

Hurricanes and tropical storms make Florida one of the most wind-exposed markets in the country. The single biggest lever most homeowners have to reduce premiums is a wind mitigation inspection and the credits it unlocks.

At Tampa Bay Insurance, we’re not home inspectors and we don’t perform inspections. But we do help you understand which home features typically qualify for windstorm credits and how to work with a licensed home inspector to document them properly for your carrier.

Continue reading “How Wind Mitigation Lowers Florida Home Insurance Costs” →

Discover the 5 most common insurance mistakes Florida families make and learn how to avoid them. Tampa Bay Insurance helps you protect your home, auto, and family with the right coverage.

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Introduction

When it comes to protecting your home, car, and family, the right insurance coverage makes all the difference. Yet too often, Florida families fall into the same insurance traps—leaving them underinsured, overpaying, or unprotected when disaster strikes.

At Tampa Bay Insurance, we’ve served families across Florida since 2001, and we’ve seen firsthand the costly mistakes that can be avoided with the right guidance. Here are the five most common insurance mistakes we see—and how you can sidestep them.

Continue reading “5 Common Insurance Mistakes Florida Families Make (and How to Avoid Them)” →