Discovery Insurance Agency

09/23/2026

A parking-lot bump and a stolen car involve two different parts of an auto policy. Do you know which is which?

• Collision generally helps cover damage to your vehicle from a crash with another vehicle or object, or a rollover.
• Comprehensive, sometimes called “other than collision,” generally helps cover losses such as theft, vandalism, fire, windstorm or flood.

Both depend on the coverage you carry, your policy’s terms and any applicable deductible. Having liability insurance alone doesn’t mean either is included.

Before your next drive around Celebration or Davenport, check your declarations page for these coverages and their deductibles.

Not sure what you’re looking at? Discovery Insurance Agency can help explain the details.

09/21/2026

Your landlord insures the building—but what about your laptop, sofa and clothes?

If you rent in Celebration, Davenport or nearby, don’t assume the landlord’s policy protects your belongings. Renters insurance can help cover personal property damaged or stolen in a covered loss, subject to the policy’s terms.

Before choosing a policy, ask:
• Is personal property covered at replacement cost or actual cash value?
• What deductible and special limits apply?
• What liability and additional living expense coverage is included?

A useful first step: estimate what it would cost to replace your everyday essentials. The total may surprise you.

Discovery Insurance Agency can help you review the details before you need to make a claim.

09/17/2026

One question worth asking before the next rainy day: does my home insurance cover flooding?

Most homeowners policies do not cover flood damage. Flood insurance provides separate protection, and the details matter.

For our Celebration and Davenport neighbors, here are three questions to ask when reviewing your options:

• Does the policy cover the building, belongings, or both?
• What limits and deductibles apply?
• When does coverage actually begin?

NFIP policies typically have a 30-day waiting period, with exceptions—so don’t assume coverage starts the day you buy it.

Have questions about your current policy? Contact Discovery Insurance Agency for help reviewing it.

Learn more: https://www.floodsmart.gov/policy-terms

09/11/2026

Could you list everything in your living room from memory? A home inventory gives you a helpful record before you need it.

Here’s a manageable weekend project for our Celebration and Davenport neighbors:

• Start with one room: take photos or a slow video of your belongings.
• Record brands, models and serial numbers for larger items.
• Save receipts and purchase dates when available.
• Keep a backup somewhere you can access if your home or phone is damaged.

Florida’s Department of Financial Services recommends documenting belongings to help prepare an accurate, detailed insurance claim. An inventory documents what you own; your policy determines coverage.

Start with one room this weekend, then build from there.

09/30/2024

Thank you for your referrals!

09/29/2024

Uncharted Waters: How to Navigate the Future of Leadership and Business?

To be the best leader you can be today, do the things that your future business and people will thank you for.

09/28/2024

Do you wake up feeling sluggish most mornings? Have caffeinated beverages become a necessity to help power you through the day? If this sounds familiar, it's time to ditch the quick fixes you rely on, and develop an energy management plan. http://smartinsurance.tips/7-tips-to-live-a-happier-life/

09/27/2024

A cross liability coverage is seen as a standard addition to any commercial general liability (CGL) policy in order to distinguish between the individual insureds. Read this article to learn if you need it or not. http://smartinsurance.tips/what-is-cross-liability-coverage/

09/26/2024

Life is everything!