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Did You Know You Can Change Your Insurance Carrier at ANY Time?

Wren Insurance Agency

When it comes to home and auto insurance - with very few exceptions - did you know that you can change your insurance carrier at any time? Citizens - the State-backed home insurer is one of the only exceptions to this. Citizens - the State-backed home insurer is one of the only exceptions to this.

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Replacement Cost Value vs. Actual Cash Value When it Comes to Home Insurance

Wren Insurance Agency

At Wren, because we are protection minded, we always quote our home insurance policies using Replacement Cost Value (also known as RCV) on contents, versus Actual Cash Value (ACV). As you can imagine, most items in your home lose value over time.

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What is a "Surplus Lines" Insurance Carrier and Do I Need One?

Wren Insurance Agency

As you know, Florida is a unique state when it comes to insurance. Depending on your circumstances, traditional home, auto or business-related insurances may not be enough to cover your distinctive needs. This is where "surplus lines" insurance comes in.

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Time to Consider a Roof Replacement… Should I Go With Shingle or Metal?

Wren Insurance Agency

The lifespan of asphalt shingles can exceed 15 years, but many insurance carriers won't cover residences with asphalt shingles older than that, due to the number of issues that can degrade their effectiveness over time, including granular loss, peeling, water pooling and cracking (which can lead to leaks), etc.

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Why Insurance Companies Won't Write Policies Before Named Storms

Wren Insurance Agency

Now that we are in the thick of the official hurricane season here in Florida, you may have noticed - if you recently tried to bind a new home insurance policy - that most carriers will stop writing up to a week or two prior to a named storm possibly impacting the state. That annual cap is 14% for 2024 and 15% for 2025.

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How Can I Get Homeowners Insurance After Non Renewal?

TGS

Receiving the news that you can’t just automatically renew your home insurance policy can be shocking and stressful. There are a number of reasons why an insurance carrier can decide not to offer you a home insurance policy renewal. Homeowners insurance non renewal can happen to anyone.

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How Home Renovations Can Affect Your Homeowners Insurance Policy

TGS

Let’s take a look at some of the most common ways that home renovations will impact your insurance policy. Unreported Renovations Can Cause a Lapse in Coverage For significant home renovations, your insurance carrier may require you to notify them about the project up to 30 days before construction starts.