The Herrera Insurance Group

Many companies would have you believe that bundling home and auto would save you money. That might have been the case few years ago but  according J.D. Power many cunsumers have seen a benefit is breaking up policies due to increases in auto insurance premiums. (Insurance Jornal) Overall satisfaction and retention rates have fallen within the averge consumer due to the rising auto premiums increases in loss cost due to rising claims. "Sky-high auto loss costs and resultant auto premium increases are creating ripple effects throughout the insurance industry and, as a result, one area that is being severely disrupted is the home and auto insurance bundle,” said Robert M. Lajdziak, director, global insurance intelligence at J.D. Power. “Homeowners, and particularly bundlers, have traditionally been less price-motivated than the typical monoline auto customer, but we are beginning to see cracks in that foundation. That puts the focus for insurers squarely on the overall brand experience their customers are receiving—across all lines—and on understanding how changes in one area, such as telematics adoption in an auto policy, can affect the entire customer journey.” If you would like a free no obligation quote for your home or auto please contact our offices at (305) 264-0177

Hurricae season is in effect from June 1 to November 30. Dont wait till there is a loss to check your homeowners policy .Here are some guidelines to assist you through the season. 1.. Check your homeowners policy to confirm you have the correct coverage. Review with your agent that the coverage for your structure is correct. If you have other structures such as fence , pool, deck that it is covered under other structure. 2.Make sure that you have adequate personal property. Personal property does not cover valuable jewels, art or furs. These must be scheduled under a jewlers block policy. 3. Review carefully your insurance policy to confirm you are covered for hurricane (wind/hail ). 4. Homeowners Policies exclude flooding make sure if you are in a flood zone to have a separate flood policy. it is important to annually review your policy as your insurance needs might have changed .  if you would like a free no obligation review of your current policy please contact our office and we will be happy to assist you (305) 264-0177