Fiorentino Insurance Group

⚠️ Mind the gap! Common insurance mistakes. 🚧

Are you covered? Most people assume they're "mostly covered." The tricky part is that "mostly covered" can still mean a very expensive surprise when a claim comes in. 😬

Insurance policies have exclusions, limits, and conditions that aren't always obvious until you need them. A few common assumptions that catch people off guard:

🏠 "My homeowners' insurance covers everything on my property." → Not during a remodel or new build.
🚗 "My personal auto covers me for deliveries." → Usually not for business use.
💼 "My general liability covers all my business risks." → Not always—especially for professional errors or cyber incidents.

The good news? A quick conversation with us is usually all it takes to find out where you actually stand: no judgment, no pressure, just an honest talk about what you really need.

Drop a comment or send us a DM with a coverage question, and we'll give you a straight answer. 💬

🏗️ Building something? Get Builder’s Risk to cover it. ✅

There's a lot of excitement that comes with a new build, whether it's your dream home, a commercial space, or a renovation project. But here's something many people don't realize: your regular property insurance usually won't cover a building that's still under construction. 🚧

That's where Builder's Risk insurance comes in.

Builder's Risk is a temporary policy that protects a structure during construction. It covers:

🔨 The structure as it goes up
🛡️ Materials on site or in transit
⚡ Damage from fire, theft, and vandalism
🌧️ Many weather events, such as floods, wind in coastal areas, and earthquakes, are typically excluded unless added by endorsement

Whether you're the property owner, a contractor, or a developer, this coverage keeps your investment protected from day one to move-in day.

If you have a project on the horizon, let's talk before the first nail goes in. 📩

🏠 Smart Home = Smart Discount? 🤔

You see them online all the time: smart thermostats, video doorbells, leak detectors, even complete home security systems. They look incredible for what they do, and some of them are. 📱🔔

But do they save you money on your homeowners? 💸

The truth is that not all smart devices save you money on your insurance. The next thing to know is that your agency won’t know you have new tech unless you tell them. 🛡️

If you’re thinking about getting smart devices for your home, let’s talk. We can help you choose something that may give you a deal, as well as tell you what won’t. 🤝

Just don’t ask us to help install them. 😅