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

Did you know that your General Liability coverage excludes injuries to yourself and to your employees? Florida law requires employers to purchase workers' compensation coverage. Under a workers' compensation policy, employees are compensated for occupationally incurred injuries, regardless of fault. This coverage makes employers immune from some injury lawsuits by employees. If you have employees, you must provide a safe working environment and the right protection. Worker's Compensation insurance covers both you and your employees after a work-related injury or illness. As the employer, you will have peace of mind by allowing your business to flow and avoid expensive civil litigation that can eat at your profits.  Worker's compensation provides support to the injured employee helping them recover and return to work quickly. Let us assist you in getting the adecuate coverage . We value your business

A flood can occur in an area at any given time. Even if you are not in a so-called Flood zone Area. The past couple of weeks have proven that if it rains, it can flood. Flooding can occur not just for wind and hail like a hurricane or tropical storm it can also be due to a breakage in the piping or debris in the sewer. The meaning of Flood according to NFIP is rising water. Did you know that flood is not covered by your homeowner's insurance? Yes, that is correct you need a separate policy that covers your structure and also protects your personal property. Also, Business Property Insurance does not cover floods. The most a flood policy will cover your Dwelling for is $250,000 The commercial structure max limit is $500,000. food insurance claims can be filed anytime your property experiences flooding impacts. A flooding event is considered to be any flooding that affects two or more acres of land or two or more properties. There will be a 30-day waiting period if you decide to purchase this valuable coverage. Be wise and protect your valuables If you need assistance obtaining a flood quote call Herrera Insurance at (305) 264-0177 and as always we will be happy to assist you.  To find out the risk level of your property location, visit FloodSmart.gov/Flood-Map-Zone

insurance companies see pets as property. If your beloved fido bite your neightbor or accidently slip or fall on your property. you will be responsible. Dog incidents are more common than you might think . Every year, roughly 500 people in Florida suffer dog bites that require hospitalization. .  Therefore if your dog bites Homeowners insurance policies provide financial protection in case of unexpected event. If your dog were to bite someone who does not live in the home with you, like a friend or neighbor, the liability coverage on your homeowners insurance policy may extend coverage to help cover the medical costs if you are found legally liable. Liability coverage may also cover legal fees and court judgments from the lawsuit. However, Did you know that your homeowner's policy may exclude your beloved pet? That right, according to most insurance companies the following breeds are excluded from homeowners policies: Pit Bulls & Staffordshire Terriers Doberman Pinschers Rottweilers Chows Great Danes Presa Canarios Akitas Alaskan Malamutes German Shepards Siberian-Huskies Wolf-Huskies or Mix of any of the above Not all dog claims are due to dog aggression or dog bites. There might be other instances that your pet may be liable for another's injury. If you have a restricted dog breed you might attempt: 1. Obtaining an exemption from the insurance company 2. Look for new Insurance Carriers 3. Accept the dog exclusion 4. Buy an umbrella liability policy - Some Umbrella policies will cover liability for dog bites. 5. Buy a standalone "Canine Liability Policy" We encourage you to read your insurance policy thoroughly to know what is covered. Protect yourself and your family from a claim. Contact us for an insurance quote today.

Starting your own business can be exciting but also overwelming. Business Insuance is important for anyone who owns a company of any size. You may work out of your home or might have multiple locations , Regardless of your size you are at risk . It is imperative that you protect your business and your assest accordingly. Having the correct amount of insurance for your business will give you the peace of mind you need to focus on other aspects of your busineess. As you e. grow your insurance needs will also grow that is why choosing an insurance professional that is vested in you is so important. Here are some basic terminalogy to assist you : General Liability - Is third party liability . This protects your business against unforseen claims. While this insurance is not required by law it can be required by certain contraxts or lease agreements. Property or Contents Insurance : Protects your personal business items from damages covered by the policy - exp. theft, fire , wind/hail Business Incom e: Covers in the event of a disruption caused by a covered perirl. This coverage helps you get temporary assistance to operate your business. Property coverage or Building coverage must be included in the policy in order to have Business Income. Workers Compensation: If you have employees, then you need workers' compensation insurance. Most states require it if you have even one employee . State fines and penalties will be due if your employee gets hurt and you dont have coverage . The state could even close your business if you dont have workers compensation. Umbrella Coverage : If you have a claim that exceeds the limits of your current liabiity policy, umbrella insurance can provide extra coverage to protect your business and assets from financial risk. You have more exciting things to do than worry about insurance . Let us help you get the coverage you need . If you need assistance with your business insurance contact our office and we will be happy to assist you (305) 260177