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On average, the cost of homeowners insurance in Florida has gone up by 32.5% since 2016. This is more than three times higher than the average rate change than the rest of the country experienced during this time (10.9%). More and more of my clients are analyzing the pros and cons of self-insuring instead of carrying a wind insurance policy. Self-insurance entails setting aside money for a potential loss in lieu of purchasing a third-party insurance policy. Depending on the losses your home faces, this could either save or cost more money than conventional insurance coverage. The logic behind self-insurance is…

Caveat Emptor, “Let the buyer beware.” is a real estate principle that warns buyers to “beware” and do their due diligence. It is of paramount importance, for Florida real estate buyers, since the majority of real estate agents are transactional agents.  When a purchase contract for property says the buyer is to take the property “as is,” the seller truly means “as is.” Under the doctrine of caveat emptor, property buyers are held responsible for inspecting the quality and condition of the land or building before the final execution of the purchase contract. If the buyer does not exercise due diligence during…

  The 4th of July is here, and if your pet is afraid of fireworks and loud noises, you may need just a little more preparation to make sure your pet stays happy and relaxed during the celebration. Set up a safe space in advance.Create a “happy place” where your pet can retreat to and feel secure. Choose a spot in your house where your pet usually likes to relax that will also buffer the sights and sounds of the fireworks, such as a walk-in closet or a room with blackout curtains. Fill it with comfortable beds and some favorite…

With higher temperatures often comes…higher energy bills, as we attempt to combat the heat outside with cool, air-conditioned interiors. To help you shave a few dollars off your energy bills all summer long, here are some tips and tricks for reducing your energy consumption and saving some money. From little fixes to some more major projects, these changes will help you stay calm, cool, and collected this summer. Install a Smart Thermostat. Smart thermostats can automatically adjust your home’s temperature when you’re asleep or away to whatever your preferences are. While these…

A bidding war is when at least two prospective buyers have made legitimate offers for a home that are similar and the Seller wants to select the best offer and terms for themselves. Bidding wars are common—in most of 2020, over half of home offers presented have faced competitive bids, according to Redfin’s study. Although historically low interest rates have sparked buying activity recently, some neighborhoods are always sought-after and attract multiple offers whenever a home comes up for sale.  Exclusive Buyer Agents are experts in winning bidding wars and…