 Featured Product: Flood Insurance |
| Everyone in the state of Florida is in a flood zone. |
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 Florida receives 70 percent of its annual rainfall during the rainy season from June through October. With the rainy season on the horizon, now is a good time to review your flood insurance options.
A homeowners policy does not cover rising water that enters and damages your home. That means you need separate protection.
Flood insurance is affordable. On average, Floridians can insure their homes for less than $350 per year (in non-emergency zones), and in some cases, can get a discount on their homeowners insurance by bundling their flood policy with the same carrier.
Contact Keystone Insurance Group today for more information on policy options. |
| Citizens 2012: Premium Change Factors |
| The state's largest homeowners insurer takes more steps to reduce its exposure. |
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Citizens is implementing changes for personal residential policies, effective on or after May 1 for new business and on or after June 1 for renewals.
One important change is that Citizens no longer will offer coverage for aluminum carports, screened enclosures, patios and awnings, or similar structures constructed to be open to the weather. Read more.
Resources on Citizens' 2012 Annual Rate, Rule, and Form changes: 2012 Summary of Changes, 2012 Premium Change Factors, and 2012 Changes Overview Tutorial |
| Steve Passante celebrates 20 years with Keystone Insurance! |
| "Building relationships with customers is essential." |
 Steve's friendly demeanor and more than three decades of experience ensure that customers leave his office feeling confident with their insurance purchases and the agency as a whole.
His insurance career began more than 36 years ago in his family's agency. "I started out cleaning the office, then became a file clerk after school, then a personal lines associate, and later went into commercial lines with my step-brother's agency." Full interview. |
| Legislative News |
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Gov. signs bill to reduce assessments and FEMA warns officials that homeowners and businesses could lose access to the National Flood Insurance Program. |
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 Gov. Scott signs bill to reduce insurance assessments
The bill will reduce the burden on customers of other insurers by more than $300 if a storm rocks Citizens.
Florida flood insurance put at risk
The Legislature's attempt to speed building permits and
kickstart construction has put the state's homeowners in jeopardy of being booted out of the federal flood program. |
| Condos and HOAs |
| The Federal Government will end the practice of providing associations with rebates on flood insurance premiums, effective October 1, 2012. |
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 FEMA prohibits continued rebating of amounts paid for flood insurance in Florida condos and HOAs
The Federal Emergency Management Agency will no longer allow insurance agents to offer rebates on amounts paid for flood insurance in Florida, according to an April 4 memorandum. |
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National Hurricane Conference Roundup |
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The National Hurricane Conference was held in Orlando at the end of March. |
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 Do not tape home windows during storms
The National Hurricane Center suggests residents living in hurricane-prone areas do not tape their windows.
A quiet hurricane season predicted for 2012
Find out why this hurricane season may not be one for the record books.
Florida's building codes rated best in hurricane protection
Florida tops 18 hurricane-region states for building codes and enforcement. |
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Thank you! |
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| Customer Service: 561-852-1445 Website: www.keystone-ins.com Email: info@keystone-ins.com |
