Articles by David Degen on ArticleSnatch.com

Florida Condo Insurance Buyers Guide

Fri, 10 Feb 2012 08:39:42 -0500

Over the past year big changes have occurred causing property insurance rates to once again reach new heights. Thanks to the new governor Florida legislative approved a huge increase in rates causing major havoc upon owners and insured"��s. In a time where the economy is struggling to maintain stability, unemployment is at its peak and foreclosures still are a common event insurance rates have increased in various zip codes by as much as 80 percent. It"��s well known the state"��s reserve fund and private insurance carriers maintain inadequate funds to pay for claims when the next major hurricane outbreak occurs. But it seems their logic for the rate increase is to entice the past major insurance carriers that left Florida State many years ago. As an insurance broker/agent I am able to confidently report, the majority of insured"��s are not so concerned in the name and quality as they are with price. When offered an option of better coverage or bigger provider their decision is still based on cost. Keeping cost in mind, I believe it"��s important here to mention how to maximize the benefits to reduce the costs. **End Summary** Topics: Insurance]]> condominium]]> buying]]> purchase]]> HO6]]> home]]> house]]>]]> About the Author: ]]> David Degen has been a property & casualty broker since 1997. An independent agent from New York providing insurance services for Floridians throughout the entire state. He is the creator of Fl Condo Insurance, Fl Home Insurances, Florida Flood Insurances, Fl-Auto insurances websites where consumers can apply for quotes and information. www.FLCondoInsurance.com

FYI Donât Buy Cheap Florida Condo Insurance

Thu, 30 Sep 2010 20:55:30 -0400

As an insurance broker for 15+years and a client as well, I would like to point out why Florida condo insurance is so important to purchase properly. Many insured’s are purchasing insurance based on the cost rather than on the product itself. Seems you have to buy insurance since Florida passed the condo insurance requirement law or your mortgage lender demands you have coverage on your property. So you make some calls or jump on the internet hoping you find dirt cheap Florida condo insurance for almost nothing. As they say you will get what you pay for. First of all you need to understand the insurance basics and the intent of the product. Condo insurance like other insurance products is not to reimburse you for minor losses of $500 or $1000, you could probably do that yourself by not paying the premium for one to two years. Insurance is a product to help you maintain a quality of lifestyle you may have worked hard and long to achieve. For example, you worked hard & planned long to buy your condo so you could finally be the king. **End Summary** Topics: Florida condo insurance]]> home]]> condo]]> insurance]]> quotes]]>]]> About the Author: ]]> David Degen of CheckUp Financial Inc. has been in the insurance business since 1996. Originally from NY, Mr. Degen relocated to south east Florida and established CheckUp Financial. A Florida based Property and Casualty agency where Mr Degen brokers property insurance throughout the entire Florida state. For more information and Fl condo insurance quotes please visit our sites at: http://www.FLCondoInsurance.com http://www.FLHomeInsuranceS.com

Finding new Florida Friends in your Local Area

Wed, 29 Sep 2010 20:45:18 -0400

After moving to the Southeast Florida section from New York, I realized I needed to find new friends for sport activities, socializing and going out once in a while.The problem I faced when trying to find a helpful online source was impossible. They were all about dating and sex. I just wanted aplatonic relationship. With the Face site it want possible as it's not designed to do what I needed as to find new friends in an unknown territory. Then I tried Craig's site but that was full of scammers and drug and sex addicts. So Finally I decided to create a Free site for people like me or couples that are interested in meeting regular people for dinner or go biking with. Here is more information on what I created to find Florida Friends. Florida-Friends.com is a Social Networking site for local people in the Florida state that would like to meet others for friendship. Sport activities, recreational programs, nightlife and socializing with others who may have similar interest. The site is free and it prohibits and dating, business, or illegal activities. This site is strictly for platonic relationships between equal or opposite genders. **End Summary** Topics: friends]]> Florida]]> social]]> networking]]> people]]> friendship]]> buddy]]>]]> About the Author: ]]> David Degen is a graphic Artist, photographer and video producer. He is currently living in south east Florida and producing a new movie project. With 25+ years experience Mr Degen has created many websites and different art works which can be found through Florida-Friends.

Understanding Florida Condo Insurance Discounts & Mitigations

Thu, 30 Oct 2008 00:00:00 -0400

We are going to discuss how to reap the discount benefits from Florida condo insurance and Florida home insurance discounts by understanding and applying mitigation inspection reports. The state of Florida requires insurance companies to offer reduced rates for wind mitigation features. In Florida this reporting system is standardized by all property insurance companies. Years before many carriers used the standardized Citizens insurance companies mitigation inspection forms as the standard. Meanwhile other insurance companies required insuredâ€'s to use their own made non standardized forms. This practice was chaotic with all different forms from one carrier to the next made it difficult for consumers to change carriers or receive insurance discounts they were entitled to. Today we have a standardized form developed by the Office of Insurance Regulation on which the majority of Florida insurance carriers abide to called The Uniform mitigation verification inspection formâ€. This inspection form when completed is valid for a period of 5 years of discounts. Recently many consumers had been taking advantage of this form and the given discounts by misleading the insurance carriers. **End Summary** Topics: Home Insurance discounts]]> condo insurance discounts]]> condo]]>]]> About the Author: ]]> David Degen of CheckUp Financial Inc. has been an insurance agent since 1996. Originally from NY, he relocated to south east Florida and established CheckUp Financial. A Florida condo insurance and Florida home Insurance agency. http://www.FLCondoInsurance.com http://www.FLHomeInsuranceS.com

Reducing Florida Auto Insurance Costs

Thu, 16 Oct 2008 00:00:00 -0400

Florida auto insurance costs have become ridiculously expensive and unaffordable for many with a strapped budget. Not everyone has the privilege of obtaining a scooter and eliminating insurance costs. Here are some common logical ideas which may help in reducing insurance costs in the state of Florida. First you need to understand insurance is a custom fit product, one size does not fit all. You may be living in Miami or Fort Lauderdale and have 2 cars which may run somewhere around $1800 for six months of insurance. Meanwhile the person living next door not more than 20 feet away also has 2 similar cars and pays $900 for similar or the same insurance. Auto insurance is rated on many different factors. First there is your credit score. Why should your credit score determine the cost of insurance? Simply put, statistically it shows a persons responsibility to pay bills on time and be more aware for their actions while driving. Person with a high credit score will have more fear to get behind the wheel of a car if they are intoxicated than one with a low or no credit score. **End Summary** Topics: Florida auto insurance]]> Fl insurance]]> car insurance]]> lowering auto insurance]]> motorcycle]]> car lease]]> insurance quotes]]> fl boat insurance]]> fl insurance]]>]]> About the Author: ]]> David Degen is a Florida Licensed P&C Broker owns Florida"'s No.1 on-line insurance agency CheckUp Financial Inc. They specialize in Auto insurance, Condo and Homeowners ins, Flood insurance, Business insurance, etc. Websites include: http://www.FLAuto-Insurance.com http://www.FLCondoInsurance.com http://www.FLHomeInsuranceS.com http://www.FloridaFloodInsuranceS.com http://www.HealthQuoteFlorida.com

Articles by David Degen on ArticleSnatch.com

Florida Condo Insurance Buyers Guide

FYI Donât Buy Cheap Florida Condo Insurance

Finding new Florida Friends in your Local Area

Understanding Florida Condo Insurance Discounts & Mitigations

Reducing Florida Auto Insurance Costs

FYI Donât Buy Cheap Florida Condo Insurance