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SJR Insurance Blog

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It’s important to understand your home insurance policy and how it works. Before you agree to a new policy, it helps to learn as much as you can about it. One key factor to consider is how much the policy will pay to you if there is a claim. Consider the difference between actual cash value and replacement value coverage. READ MORE >>

The holidays are a common time of year to travel, and although its fun to see family and friends in faraway places, it does leave your home exposed to burglary, vandalism and other dangers in ways it isn't the rest of the year. Here are 12 ways to keep your home safe while you're gone this holiday season. READ MORE >>

With every disaster come the swamp rats who can't climb out of their holes fast enough to take advantage of desperate people.  They flock here from all over the country to collect the low-hanging fruit that often is insurance money.  The money paid out by insurance is YOUR money to pay for YOUR damage to be fixed. READ MORE >>

Don't be caught off guard! It is always a good idea to keep basic supplies on hand throughout the year in case of power outage or some other short-term emergency, but hurricane season is makes it more vital! In addition to the checklists here, keep in mind to keep in mind: Know your evacuation route and alternates. READ MORE >>

Florida Statute § 627.714 requires that residential condominium unit insurance policies issued or renewed after July 1, 2010, must include at least $2,000 in property loss assessment coverage. This coverage would pay up to the stated amount for any assessments made upon each insured unit owner. READ MORE >>

Condo associations are commonly required to insure common element structures.   With the passage of time, building codes and ordinances change to reflect new standards in construction.  These changes generally relate to fire safety, structural integrity (especially here in Florida) and energy efficiency of buildings. READ MORE >>

10 Factors New Homebuyers Should Take in Account July 18, 2016 at 4:24 pm | No comment | Category: Uncategorized So you’re in the process of buying a new home, and you’re wondering what the deal is with home insurance. You need it, obviously, but how should you go about finding it, and what factors do you need to take into account? READ MORE >>

Florida has more sinkholes than any other state in the nation. A recent change in Florida law requires authorized insurers to cover “catastrophic ground cover collapse,” but damage caused by a sinkhole may not be covered by your policy. READ MORE >>

Most people think you only need to talk to a home insurance agent when you need to file a claim, such as when a tree falls on your roof or a fire or storm damages your property. But actually, you have plenty of reasons to talk to your homeowners insurance agent that have nothing to do with filing a claim, and most of those reasons might help you save money. READ MORE >>

Good new for Homeowners! If you live in Florida and you have not had your property insurance quoted in some time you could be missing out on saving hundreds if not thousands of dollars.  For so long in Florida people were just happy to find an insurance company that would cover there home or condo; but times have changed! READ MORE >>

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