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Monday, March 13, 2023

Coinsurance is an often-misconstrued term in the world of insurance. In fact, there’s a totally different meaning depending on what insurance you are looking at! For the purposes of Commercial Property insurance, coinsurance is...

Thursday, February 24, 2022

Thursday, December 23, 2021

Tuesday, September 7, 2021

When a Commercial Insurance policy goes into effect, several factors constitute the premium that is paid to the carrier. For many policies, these factors change throughout the year and must be updated through an endorsement (adding a...

Friday, September 3, 2021

We have seen a steep incline in our insurance premiums over the last 12 months that have caused all of us to question the reasons behind them and wonder where to go from here. Premium increases, fewer market choices, and stricter...

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Monday, June 7, 2021

Workers Compensation is one of the most critical insurance coverages that employers purchase. The rating factors vary widely from state to state so monitoring your loss activity can have a meaningful impact on the price you pay versus...

Monday, May 24, 2021

Most insurance policies include two primary components of coverage: property and casualty (liability). Many believe that the most important aspect is property as it provides coverage for things like cars, boat, home, motorcycle, etc....

Monday, May 3, 2021

Most business owners purchase insurance for their commercial property to assist with the cost associated with replacing their buildings and contents following a covered loss. While this is a significant exposure that every business...

Tuesday, April 20, 2021

Understanding the nuances of the many different types insurance policies is our job, not yours. One of the most common scenarios we hear from our clients is the excitement regarding an upcoming renovation project. Often times, the...

Friday, April 9, 2021

Hurricane season officially begins on June 1st so now is the time to review your Business or Condominium Association’s property insurance coverage so you can be financially prepared in the event of loss caused by a windstorm. In...

Tuesday, March 16, 2021

Life Insurance – How Much Do I Need? The amount of life insurance you choose should be based on calculations, not your gut instinct. Carve out 1 minute right now to learn your number and then you can confidently begin to seek out...

Wednesday, March 3, 2021

Commercial Property Coverage Tips – The Coinsurance Clause and the Potential Impact to Claim Payments There are several factors that determine the cost and availability of Commercial Property Insurance. These factors include the...

Monday, February 22, 2021

I would have to say 9 times out of 10 when you talk to an insurance agent you will get a response that they never intended going into insurance, followed by the story of how they ended up in that field. My personal story is not that...

Tuesday, February 16, 2021

It is no secret that homeowner’s insurance premiums are rising. This is the result of increased reinsurance costs and massive roof claim fraud. As a result, some insurance carriers have left our state and those remaining have...

Friday, February 5, 2021

Galt Insurance Group is a swiss army knife for all your insurance needs. Our arms stretch all over the country, so not only can we insure your home in Florida, but also your home up North! If you ever come across a renewal bill that...

Friday, January 29, 2021

2021 is already flying by, with January coming to a close! I’m sure I’m not the only one who is curious to see if we’re all sticking to our New Year’s Resolutions. One of the best ways to accomplish your...

Friday, January 1, 2021

Did you get married? Move? Have a child? Put a new roof on your house? Or, maybe you bought a new puppy! Did you remember to call your insurance agent and have the conversation with him or her? Chances are, you like most people only...

Tuesday, October 27, 2020

As a condominium owner, you have many benefits, but you are also exposed to unique risks. Unlike a single-family homeowner, you have a number of policies in force between your personal insurance and the community insurance. You need to...

Thursday, October 22, 2020

Our agents Ryan Reynolds & Lindsey Rounds shared a couple of their most frequently asked questions received from their clients: Why did my rate go up, even when I didn’t have any claims? OR Why are Florida homeowners and auto...

Wednesday, April 29, 2020

Your homeowner's insurance policy most likely excludes coverage for flooding, which ultimately is defined as rising water. Flooding can occur from storm surge or heavy rains that saturate the ground causing water to creep up and under...

Tuesday, March 26, 2019

Gloves, eye protection, ear buds....you are ready! Of course, there is no better feeling than when you finish cleaning your house. The floors are clean, the counters are wiped down and everything is put in its proper place. Let's also...

Monday, January 7, 2019

Happy New Year! Our team is excited to kick off 2019, and we wanted to remind you of your importance to us. We are coming into our busiest time of the year, which is very exciting. That said, we want to make sure that we are responding...

Tuesday, November 20, 2018

With popularity rapidly increasing in the ride-share industry it is no doubt that the discussion of insurance is top of mind...well at least it is for me. These companies offer great advantages for full time or even part time...

Monday, October 22, 2018

Whether you are a long-time client to Galt Insurance Group, new client or even a prospective client, you may not be aware of what goes on behind the scenes after you speak with your agent that issues your new insurance policy. I'm...

Friday, September 14, 2018

A question I often get is, "who is Galt Insurance Group"? The answer I provide to that question always leaves me feeling like I missed the mark. Is the person asking the question actually interested in knowing the real answer or just...

Thursday, June 28, 2018

A common theme surrounding the Florida insurance market is that insureds have not necessarily heard of the companies writing homeowner's insurance. Why is that? Where are the national giants we see on every other commercial and why can...

Thursday, March 15, 2018

Do you own a business? Do you have a friend that owns a business? Do you ever enter a business? Ok, you get it. Galt Insurance Group is ready to chat with you about your business insurance! After hurricane Irma I heard a lot of...

Wednesday, August 23, 2017

Leaky pipe? Busted washing machine hose? Hot water heater blow out? You are covered for the damage caused by all of the water on your brand new hard wood floors, right? Well.....maybe..... Water losses and claims from water damage are...

Thursday, July 20, 2017

Auto insurance rates are up across the board....why? Most of my clients will vent frustration with seeing double digit rate increases because they specifically did not have any accidents, get tickets or file claims. So why in the world...

Thursday, May 18, 2017

If I had a nickel for every..... alright, maybe it's not that bad, but it's pretty bad. We get calls all the time wanting to discuss the price of insurance, and rightfully so. The funny part is that often times the first thing I hear...

Monday, May 1, 2017

Where are you going? Heading back up north for the summer or taking the kids on a trip out west for a month should have you considering how to properly protect your home while you are away. Lock it up and run, right? Wrong. Without a...

Thursday, April 6, 2017

When was the last time you had your roof checked? If you are like most.....probably never. Even when you know your roof is getting old and maybe some tiles are missing you just hope and pray that it will be okay and you do everything...

Friday, March 31, 2017

Why would you pay $25 per year for animal liability insurance? Your dog is a good boy....he is old.....he is small.....he never bites! No reason to concern yourself with animal liability insurance, right? Wrong. The average dog-related...

Friday, March 17, 2017

As many times as I brace myself for this inevitable response i still cringe every time I hear a client refer to his or her auto insurance limits as being "I have full coverage." What does "full coverage" really mean? I guess the more...

Friday, March 3, 2017

Ever wonder why your insurance policy is thicker than Tolstoy's War and Peace? It is because your insurance policy has definitions, coverage language, policy conditions, exclusions and endorsements. Should you rush home to read your...

Monday, January 23, 2017

Do you need condo insurance? Yes. People who own a condominium often, incorrectly refer to their insurance needs as "contents only". The word "contents" in the insurance world refers to your personal belongings such as; furniture,...

Friday, December 30, 2016

Want to know the percentage of people that are actually successful in achieving their New Year's Resolution? Commit to reading this short blog, and the answer will be revealed.... Most of us get caught up in the excitement and will...

Thursday, December 22, 2016

"Do I need flood insurance?" I get this question a lot, and I often wonder what the person on other end of the phone actually expects me to say. You are asking an insurance agent if you need insurance.....come on. The question I like...

Monday, December 12, 2016

Ever wonder how much the insurance cost is on that home built in the 70's on stilts with a view of the water? You guessed it..... it's high! Well, higher than that home built in 2016 that is 8 miles inland. We often get phone calls...

Wednesday, November 9, 2016

It can happen in the blink of an eye and cause thousands of dollars worth of damage to your home. Water damage is among the highest reported causes of loss in the home, resulting in the #1 claim in Florida. The high rate of claims has...

Monday, October 31, 2016

Open enrollment for 2017 is upon us! So roll up your sleeves, tape your ankles and pack a lunch.... this won't be easy! More than ever, I STRONGLY encourage everyone to seek advice from a licensed health insurance agent when navigating...

Monday, October 17, 2016

I can't afford it. It's too hard to get it. I will get it later. Wrong, wrong and doubtful. There have never been more excuses in this world than there are for reasons to NOT buy life insurance. I can't afford it: Last week I met with...

Monday, October 10, 2016

Proper preparation is always the best source of loss prevention in any storm. Hopefully you have taken the necessary precautions to protect your home and belongings, but even so often times damage is inevitable. The American Red Cross...

Monday, October 3, 2016

So your roof is getting old and starting to show signs that it is in desperate need of replacement and you come up with the idea to call and file a homeowner's insurance claim to replace your roof, and are stunned to learn that your...

Monday, September 26, 2016

Have you ever heard someone talk about their umbrella insurance? Most likely you nodded and smiled, and somewhere in the back of your mind you were thinking... "they must have a really nice umbrella!" Don't feel bad! Most people are...

Monday, September 19, 2016

Who picked that amount of insurance for your home? Did you tell your insurance agent that number, was it the bank, or was it pulled out of a hat and plugged into your policy? Hopefully for your sake, it was derived from a conversation...

Monday, September 12, 2016

We have all been there. Opening your auto insurance renewal invoice with one eye closed and fingers crossed. How much did the rate increase? If you are fortunate, you can breathe a sigh of relief seeing that your rate stayed the same,...