Wayne Lucas Insurance

October is Breast Cancer Awareness Month. To those navigating a diagnosis, celebrating milestones, supporting someone they love, or remembering someone special, we’re thinking of you. Behind every pink ribbon is a personal story. 💗

Imported stone. Custom millwork. A kitchen designed around the way you live. Those details belong in your home insurance conversation, too.

After a renovation, ask whether your rebuilding estimate reflects the finishes and craftsmanship you selected.

Let’s give the details their due.

Did you know today's luxury homes can contain tens of thousands of dollars in sophisticated systems behind the walls.

Smart-home technology, elevators, generators, HVAC systems and other equipment may benefit from specialized equipment-breakdown coverage, depending on the policy.

The more advanced the home, the more important it is to understand how it's systems are protected.

Dropping off a valuable ring for resizing, cleaning or repair?

Before handing it over, check how your jewelry coverage applies while it's in the jeweler’s care. It’s also smart to ask the jeweler about their coverage for customers’ property.

Fall is a great time for a Florida home checkup!

Clean gutters, trim branches away from the roof, check drainage, and look for signs of roof damage.

A little preventive maintenance can help catch small issues before they become bigger problems—and photos are a great way to document your home's condition.

🔑 Did you know how a luxury property is titled can matter to your insurance?

High-value homes are sometimes owned through trusts, LLCs, or other legal arrangements. Your policy should accurately reflect the property's ownership and the parties that need to be insured.

If the title to a property changes, an insurance review should be part of the conversation.

🏡 Closing your Florida vacation home for the off-season?

Before you leave, add an insurance review to your checklist. Ask your agent whether seasonal occupancy or an extended vacancy affects any part of your coverage.

A quick review can help keep your policy information up to date.

A collector car isn't always best insured like an everyday vehicle. 🏎️

Specialty policies may offer agreed-value coverage, where you and the insurer establish the vehicle's insured value in advance, subject to policy terms.

For rare, exotic or collectible vehicles, how the car is valued matters.

Did you know your homeowners policy may limit coverage for camera equipment used for business purposes.

If you use professional camera gear to earn income, it's worth reviewing your homeowners policy to understand what is and isn't covered.

📱 Drive for a rideshare service occasionally?

Your personal auto coverage may change once the rideshare app is turned on, even before you've accepted a passenger.

If you use your personal vehicle for rideshare, check how your policy treats each stage of the trip.