lmagency

If a guest slips at your pool party and breaks their arm and then hires an attorney are you protected? Most Florida homeowners assume they are. Some are right. Many would be shocked to find out how thin their protection actually is. Coverage E and F are the liability sections of your homeowners policy, and […]

Most homeowners know they have insurance on their house. What they don’t know is what the rest of their policy actually does. Let me walk you through Coverage B, C, and D the parts of your policy that quietly protect you in ways you probably haven’t thought about. Coverage B: Other Structures Coverage B covers […]

If you only understand one number in your homeowners insurance policy, it should be your Coverage A your dwelling coverage. Everything else flows from this number. And in Florida, getting it wrong is one of the most expensive mistakes a homeowner can make. Coverage A is the portion of your policy that covers the physical […]

Most people sign their homeowner’s insurance policy without fully understanding what’s inside it. They know they need it. They know their lender requires it. But when something goes wrong a storm, a leak, a lawsuit that’s when the confusion turns into a crisis. My name is Cary Pacheco. I’m the owner of Las Margaritas Insurance, […]