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Gene Smith Insurance Blog

View the latest blog posts from Gene Smith Insurance.

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Friday, May 30, 2025

Auto Insurance in Florida

The Sunshine State includes many exciting attractions and bustling metropolitan areas for motorists to explore and traverse. However, whether you’re enjoying a trip up the coast or running daily errands, even the most skilled drivers must prioritize suitable auto insurance. How Does Auto Insurance Work? READ MORE >>

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Monday, April 28, 2025

Do I Need Wind Insurance in Florida?

Living in Florida means enjoying plenty of sunshine, but it also comes with the risk of hurricanes and intense seasonal storms. One of the most common questions homeowners in Dade City and surrounding areas ask is whether wind coverage is truly necessary. READ MORE >>

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Thursday, March 20, 2025

What to Know About Wind and Hail Coverage

Residing in Florida presents a distinct set of challenges, particularly regarding the weather. The state frequently experiences hurricanes, tropical storms and severe weather conditions that can lead to substantial wind and hail damage. Understanding your insurance options is crucial to protect your property. READ MORE >>

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Monday, February 24, 2025

DUI Auto Insurance

SR-22-compliant auto insurance is a type of coverage required for drivers deemed high-risk by the state. This designation often follows serious driving offenses such as driving while under the influence (DUI) convictions, multiple traffic violations or driving without insurance. READ MORE >>

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Friday, January 31, 2025

Seasonal Maintenance Tips: Protecting Your Home and Getting Affordable Insurance Rates

Maintaining your home throughout the year is crucial, especially in Dade City, Florida, where the climate can vary significantly. Proper seasonal maintenance ensures your home remains in good condition and can help keep your insurance rates low by preventing costly damages. Key Steps for Home Maintenance This Year READ MORE >>

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Thursday, December 19, 2024

Winter-related Business Interruption—How to Prepare

Winter can be a challenging season for businesses, with severe weather conditions posing significant risks to operations. As a business owner, it’s crucial to prepare for potential disruptions and ensure you have the right insurance coverage to protect your business. Assess Risks READ MORE >>

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Thursday, November 14, 2024

Am I Required to Offer Workers’ Comp to My Employees?

Workers’ compensation insurance is a critical safeguard that can provide financial protection to employees who suffer injuries or illnesses related to their jobs. However, not all businesses are legally required to provide this coverage. READ MORE >>

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Thursday, August 29, 2024

Understanding Salvage, Rebuilt and Clean Car Titles

When navigating the used car market, you may encounter various types of car titles—salvage, rebuilt and clean. Understanding these terms is crucial for making an informed purchasing decision and obtaining appropriate insurance coverage. What Is a Salvage Title? READ MORE >>

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Friday, July 12, 2024

How Much Does Condo Insurance Cost?

Owning a condominium comes with unique risks, necessitating adequate insurance to protect against potential financial setbacks. By offering financial security against unexpected events, condo insurance allows owners to enjoy their investments confidently, free from worries about unforeseen financial burdens. READ MORE >>

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Monday, May 20, 2024

Do You Have to Carry Bodily Injury Insurance in Florida?

Understanding the state’s insurance laws and requirements is crucial for ensuring compliance and protecting yourself in the event of an accident. In most states, including Florida, drivers are required to carry some form of liability insurance to help cover bodily injury and property damage after a covered accident. READ MORE >>

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