Boyd Insurance & Investments - North Florida Division

06/09/2026

One of the most common surprises Florida homeowners run into after a storm is finding out their policy covers wind but not flood, and that the two aren't the same.

If a hurricane rips shingles off your roof and rain blows in through the opening, that's wind damage, and your homeowners' policy usually handles it.

A storm surge that pushes water into your home from the ground up is a different story. That counts as a flood, and a flood needs its own separate policy.

Plenty of homeowners assume flood damage is already covered under their homeowners' policy. It usually isn't.

The good news is that this is an easy thing to check before the season picks up.

Check your policy or reach out to your account manager, and we'll walk through what you actually have and where any gaps might be.

It’s better to sort it out now than when a storm is about to hit.

06/08/2026

Florida weather isn’t always predictable, but your insurance coverage should be.

Mobile homes are especially vulnerable to hurricanes, heavy rain, and high winds.

That’s why having the right insurance matters for your:

- Property protection
- Liability coverage
- Personal belongings
- Temporary living expenses

Whether you’re a new homeowner or reviewing your current policy, mobile home insurance helps safeguard what matters most.

If you have questions, our team can help you review your options with clarity and confidence.

06/02/2026

Hurricane season in Florida is officially underway.

Most people have the supplies, generators and other items ready to go.

But, the piece they often overlook is a quick policy review to make sure their coverage actually does what they think it does.

We're publishing a guide in the next few days that covers the things worth knowing before a storm forms.

In the meantime, reach out to your account manager if you have questions!

06/01/2026

We're hiring a Personal Insurance Advisor to join our personal lines team.

This role is built for someone with a sales-driven, client-first mindset who genuinely enjoys serving their community.

A few of the things our team loves about working here:

- Competitive pay with unlimited earning potential
- Real room to grow and advance
- Generous benefits including health, dental, vision, and 401(k)
- Discretionary time off and continuing education support

If this sounds like you (or someone you know), check out our job listing to apply: https://platform.totalcsr.com/apply/070gBSGChQSRElKnd6BH

06/01/2026

Thank you, Debbie, for all that you do for us!

Please join us in wishing, Debbie Brown from our North Florida location, a happy work anniversary!

Debbie is an Executive Assistant whose dedication to outstanding customer service and support never goes unnoticed.

She plays a key role in helping us meet the insurance needs of our growing client base, and we’re so grateful to have her on our team!

05/27/2026

Scrambling to find your declarations page at the worst possible moment adds stress to the situation.

Our clients don't have to worry about that thanks to GloveBox.

All your policies and important details are in one app that's available through one login.

There's no more digging through old emails or sifting through filing cabinets when you need something.

It's all in one, convenient location.

Whether you're already with us or thinking about making the switch, we'll show you how easy managing your policies can be. Send us a message to get started.

05/25/2026

Freedom isn't free.

Thank you to all the brave men and women who paid the ultimate sacrifice.

Thank you to our heroes 🇺🇸

05/21/2026

We’re looking for an experienced, self-motivated professional who’s ready to serve the community by delivering the best client insurance experience.

This person will sell and renew commercial insurance for businesses across the community and region, pursue new client prospects through networking and referrals, and manage existing client relationships year over year, among other responsibilities.

Some of the perks include, but aren’t limited to:

- Base salary plus commission with unlimited earning potential
- Instant revenue from house accounts
- Equity Development Programs for high achievers
- Discretionary Time Off
- Health, dental, vision, and 401(k)
- Christmas Club savings
- Referral incentives

Full description and application: https://platform.totalcsr.com/apply/070xPIIA3EIuAAU9LljW

If you know someone who’s a great fit, please share this post!

05/20/2026

Hurricane deductibles work differently from the rest of your policy.

Here are three things worth knowing:

1. It only applies during a named hurricane with an active watch or warning from the National Hurricane Center.
2. You only pay your hurricane deductible once a year. If another hurricane hits the same year, you typically won't have to pay it again.
3. The lower your deductible, the higher your premium and vice versa.

If you want yours reviewed, send us a message.

05/14/2026

If part of your home is damaged in a covered loss, your policy pays to repair the damage.

That’s straightforward.

But sometimes the building code requires more.

You might have to tear down and rebuild parts of the house that the storm or fire never touched. So you're paying to demolish sections that were fine the day before the incident.

There's a specific coverage that handles this, and many policies include some of it by default, but the amount varies, and for older homes, it doesn't always stretch as far as you'd think.

We walked through how it works on the blog.

https://boydinsurance.com/ordinance-or-law-coverage-the-part-of-your-homeowners-policy-you-might-not-know-you-have/