Is Bundling Your Insurance Policies Right for You?
You’ve probably seen TV commercials that talk about bundling your insurance coverage, and you may be wondering if bundling—buying more than one type of insurance policy from the same insurance…
Five Reasons to Work With an Independent Insurance Agent
When you need insurance coverage, you have many decisions to make. One of the first ones may be whether to go with a captive insurance agent, or an independent insurance…
2021 Hurricane Season Dos and Don’ts
The 2021 hurricane season is upon us. We were lucky last year, and Florida didn’t have to cope with a direct hit from a hurricane. But that’s not our norm,…
Homeowners Insurance Skyrocketing? Policy Canceling? L & M Can Help!
The Florida homeowners insurance market is in turmoil, and Florida homeowners are paying the price—literally. Premiums are rising fast, and just recently two more homeowners companies received permission from the…
Plan Ahead Before a Natural Disaster Strikes
While we in Florida are fortunate not to have to deal with the freezing cold and heavy snows of more northern states, we’re not exempt from nature’s wrath. In fact,…
L & M Insurance Group Combines Personalized Service with Insurance Companies You Can Trust
Independent insurance agencies like L & M Insurance Group, offer many advantages to insurance consumers. One of the main ones is that we are independent—we represent many different insurance carriers,…
Own a Townhouse or Condo? Which Homeowners Policy Do You Need—an HO-3 or an HO-6?
If you’re buying a townhouse or condo, you might think that because your unit is one of a larger building, your home insurance needs will be different. This is not…
Don’t Let Your Holiday Go Up in Flames!
The holiday season is upon us—finally something to celebrate in this challenging year! Most of us are decorating the house, wrapping or mailing gifts for loved ones, and planning (cautious)…
Insurance 101: Terms You Should Know
Just like any specialized industry, insurance has its own vocabulary. When you’re shopping for a new policy—or trying to make sense of the policy you already have—it helps to understand…
What Your Homeowners Insurance WON’T Cover
You expect your homeowners insurance to protect you if your home is damaged or destroyed by a disaster like a hurricane, if you’re burglarized, even if your home is hit…