If you have settled on Original Medicare, the next question is what to do about the bills it leaves behind. Original Medicare pays most of a hospital stay or a specialist visit, but you owe deductibles and 20% coinsurance with no yearly ceiling, and one bad year can be expensive. The Medicare supplement plans Florida […]
Hardening a Treasure Coast home against hurricanes is expensive, and the work that matters most, like stronger roof connections or impact-rated openings, is hard to see once it is done. The my safe florida home program exists to help with exactly that: a free hurricane mitigation inspection for eligible homeowners and, for those who qualify, […]
Your surgeon says six to eight weeks before you can go back to work. The knee will heal; the question at the kitchen table is how the mortgage, the car payment and the power bill get paid in the meantime. Short term disability insurance answers that question by replacing part of your income while an […]
The short term health insurance Florida residents can buy is a useful tool, but only for the right person in the right gap. It is built for a healthy person who needs to be covered for a specific stretch, such as the weeks before a new job’s benefits begin, and it can cost less than […]
Most people weighing term vs whole life insurance are not choosing between two products so much as between two kinds of promises. One is a promise to your family for a set stretch of years, while the mortgage is big and the kids are small. The other is a promise that someone will receive money […]
Florida law lets most drivers register a car without buying any insurance for the people they might injure. So if someone runs a red light on US-1 and puts you in the hospital, there is a real chance their policy has nothing to pay you with. Uninsured motorist coverage is how you protect yourself from […]
Plenty of people approaching 65 assume Medicare simply arrives on their birthday. For some it does, but many Floridians who are holding off on Social Security have to sign up themselves, and the month they choose decides when coverage starts. Your Medicare initial enrollment period is a seven-month window: the three months before the month […]
Your building can be rebuilt. Your lost revenue while it sits empty is a different problem, and it’s the one that closes businesses for good. A commercial property policy pays to repair walls, roofs, and equipment after a covered loss, but it does nothing to replace the paychecks, rent, and utility bills that keep coming […]
That renewal notice from your landlord, or the line in a new lease that says “proof of renters insurance required,” has a way of stopping you mid-scroll. Maybe a neighbor’s apartment flooded last hurricane season and you started wondering what would happen to your own furniture, laptop, and clothes if the same thing happened to […]
You just renewed your home and auto policies, and everything looks fine on paper. But maybe your teenager just got a license, or you added a pool last summer, or your neighbor mentioned a lawsuit that made you wonder what would happen if something like that landed on your own doorstep. That nagging feeling that […]
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