INSURANCE BLOG

Byron Pelt Insurance

Is It Time to Review Your Business Insurance Policy?

Whether you’re a small startup or a large enterprise, you no doubt have business insurance to protect your investment and hard work. It’s easy, however, to operate on autopilot without assessing your insurance coverage periodically. Is it time to review your coverage? Read on to learn more. — When…

Top Home Improvement Projects That Can Increase Your Home Value

When you tackle home improvement projects, it’s wise to prioritize those that add the most to your property’s value, especially if you might put your home on the market in the next few years. Here are the renovations that give you the biggest return on your investment. — Kitchen Remodels — If you’…

Energy Efficient Landscaping for Your Commercial Property

With increasing energy costs, businesses are always on the lookout for ways to save money. Did you know that you can cut heating and cooling expenses by strategically landscaping your commercial property? Here are four tips you can put to use to lower your utility bills. — Plant Shrubs and Bushes…

How to Save Money on Commercial Auto Insurance

Commercial auto insurance is a must if you or your employees use vehicles for work. While this costs money upfront, it can save you in the long run. Just one bad accident without sufficient coverage can expose your business to liability damages that could force you to close your doors. Here’s how…

Save Money With These Smart Home Devices That Make Your Home Safer

Homeowners today have never had more ways to save money through technology. Here are five smart home devices that will help you cut down on your bills and improve your home’s safety. Better safety can mean fewer insurance claims and less hassle for you. — Smart Programmable Thermostat — A…

Preparing Your Teen Driver for Different Road Conditions and Situations

If you have a young driver in your home, you may be fearful about them driving on their own, especially in bad weather or road construction. Here are some tips to share with them to improve safety by adapting their driving to current conditions. — Rain, Snow and Ice — It’s not always possible to…

Wind Mitigation Inspections

In Florida, a wind mitigation report is often required by insurance companies as part of the homeowner's insurance application process. This report provides information about the construction features of your home that can help reduce damage caused by windstorms, such as hurricanes. By having a…

Navigating the Waters: Admitted vs Excess and Surplus Carriers

Insurance is a critical component of risk management, providing individuals and businesses with financial protection against unforeseen events. In Florida, as in many other states, insurance options can be broadly categorized into two main types: admitted insurance carriers and excess and surplus (…

Insurance and Hurricanes

Here are the top five things policyholders need to understand about insurance and hurricanes: — Hurricane deductibles: Most homeowners’ insurance policies contain specific provisions related to damage caused by hurricanes, and a key feature is often higher deductibles for losses resulting from a…

Hurricane Preparedness

Trusted Choice® — Hurricane Preparedness — — Be Prepared for the Hurricane — The hurricane survival experts at the Florida Division of Emergency Management offer you advice for before, during and after the storm. — Countdown Checklist: Before the Storm — Properly preparing for a hurricane…

When Should I Review My Home Insurance Coverage?

Insurance is an important part of being a homeowner. Not only does it protect you from damages caused by things like fire and vandalism, but it can also protect your personal property or additional structures like garages, and provide liability coverage. — But when is it time to review your…