Hamilton Fox Insurance

Shorter days can mean more deer activity near the road—especially at dawn and dusk. If you are driving during these hours, slow down, stay alert, and give yourself extra space to react.

A few reminders from our team:
• Scan the roadside and watch for more than one deer.
• Use high beams when it is safe to do so.
• If a deer enters your path, brake firmly and avoid swerving into oncoming traffic or off the road.
• If a collision happens, move to a safe location, document the damage, and report the claim promptly.

Not sure whether your Florida auto insurance has the coverage you need for deer-related damage? Hamilton Fox Insurance can help review your policy and explain your options.

https://www.hamfox.com/

A secure home starts with a few smart habits.

From locking doors and windows to keeping exterior areas well lit, simple theft-prevention steps can help make your home less inviting to burglars. Swipe for practical tips our South Florida neighbors can use.

While prevention matters, the right home insurance matters too. Theft coverage can help protect your belongings after a covered loss, but limits, deductibles, and coverage details vary by policy.

Our team at Hamilton Fox Insurance can review your Florida home coverage, answer your questions, and help make sure your protection aligns with what matters most. Reach out to our Pinecrest insurance agency for a personalized insurance review.

Labor Day is all about celebrating the workforce, and the best way to honor hard work is to take a real break from it. So to celebrate, our team is fully committing to the cause by penciling some cat naps into our schedules this weekend.

A quick heads-up: The office is closing Friday, September 4th at 3PM and will reamin closed on Monday, September 7th. We will be back on Tuesday, September 8th — recharged, refreshed, and ready to get to work.

We hope you have a long weekend full of good food, good company, and zero emails!

Telematics insurance promises lower premiums for safe drivers, and in many cases, it delivers. But whether it is worth signing up for depends on more than just your driving record. Swipe through to get a clearer sense of what these programs involve and what to weigh before you decide.

If you have questions about your auto insurance policy or if a telematics policy fits your needs, give us a call today. We are here to help.

Since we are in the midst of hurricane season, our team wanted to share a timely reminder about one important step of the preparation process: reviewing your personal insurance coverages before a storm even hits.

Here are a few key areas we suggest reviewing this hurricane season:

🔵 Hurricane Deductibles - Some homeowners policies in some states may include a hurricane deductible, which is often a percentage of your home’s insured value. This deductible is separate from your standard homeowners deductible and is the amount of money you must pay toward hurricane-related damage before your insurance company starts paying. Know what triggers it and how much you’d owe.

🔵 Flood and Windstorm Coverage - Flood damage typically requires separate flood insurance, and damage from unnamed windstorms may also be excluded from some policies. Reviewing your coverage and filling any gaps before a storm hits can make a significant difference.

🔵 Filing Claims - Ahead of a hurricane, document the state of your home. Then, after the storm, document damage with photos and videos before you begin cleaning up or repairs. This can help fully showcase any potential damage done by a storm. Additionally, as you make repairs, keep receipts for what you spend.

As always, know that we are here to help if you have any questions about your coverage or if you would like to talk through layering on more coverage. Reach out today, and we can get started.

New Home Closing? Not so fast...

Citizens Property Insurance is under Binding Restriction

If you’ve ever loaned your car to a friend or borrowed someone else’s vehicle, you may have wondered what happens if an accident occurs. Would the vehicle owner’s insurance apply — or would the driver’s policy take over?

In most situations, auto insurance follows the vehicle first, not the driver. That means the car's policy is usually the primary source of coverage in the event of an accident. However, that’s not always the case. Swipe for some key details about when the vehicle owner’s policy kicks in and when the driver’s policy is used.

If you’re ever unsure how your coverage applies, want to double-check your policy, or layer on additional auto coverages, we’re always happy to take a look with you. Feel free to give our team a call. We are here to be a resource for you.

Another happy client, another 5-star review! ⭐ ⭐ ⭐ ⭐ ⭐

Non-renewal? No problem, we have your solution. Which in many cases is better covrage at a lower cost.

Looking for reliable coverage and outstanding service? Let’s talk!

855-4A-QUOTE or [email protected]

Great 3-Minute Clip on the State of the FL Housing Market - Palm Beach and Treasure Coast.

Interesting to hear that sellers in that area deal with similiar issues affecting home sales in Dade County... competition with new construction where they offer lower interest rates and waive closing costs.



https://www.wpbf.com/article/housing-market-in-florida/71941717?utm_campaign=snd-autopilot&fbclid=IwY2xjawTHEmNleHRuA2FlbQIxMABicmlkETFHd3hWMllIa3JlMkh2UWs1c3J0YwZhcHBfaWQQMjIyMDM5MTc4ODIwMDg5MgABHoxtMRgJyssmzvOQuaqJDQC55NYIqW4nIkYhdPMGpMIEFPr-RRkgowEXHQLA_aem_CowgBdU0RfQoej2R1w8Xvg

What’s happening in Florida’s housing market? Florida housing market trends explained by Jason Coley of Atlantic Shores Realty Expertise ERA Powered.

Another happy client, another 5-star review! ⭐ ⭐ ⭐ ⭐ ⭐

Thank you for choosing us for your homeowners insurance. We’re honored to help protect your home and peace of mind.

Looking for reliable coverage and outstanding service? Let’s talk!

855-4A-QUOTE or [email protected]