Lewis Insurance Agency

01/20/2026

Did you know your homeowners insurance does NOT cover flood damage? 🏠💧

Even if you're not near the Suwannee River, flooding can happen almost anywhere in North Florida. In fact, 25% of all flood insurance claims come from properties OUTSIDE high-risk flood zones.

Heavy rain, poor drainage, and overwhelmed storm systems can all put your home at risk.

The good news? Flood insurance is more affordable than most people think, and you have options:

✅ National Flood Insurance Program (NFIP)
✅ Private flood insurance (often 20-50% cheaper)

Lewis Insurance can help you compare both options and find the right coverage for your Lake City or North Florida home.

📞 Call us at 386-755-0050 or visit www.lewisinsurance.com

01/19/2026

Rocky Tip #8 🦝

One in eight drivers on the road has no insurance. In Florida, the numbers are even worse.
Uninsured motorist coverage costs about twenty bucks a month. If someone without insurance hits you, that $20 could save you thousands.

Math is math.

Lewis Insurance Agency — Serving North Florida Since 1981

(386) 755-0050 / www.lewisinsurance.com

01/16/2026

Rocky Tip #7 🦝

You owe $25K on a car worth $18K. It gets totaled.

Insurance pays $18K. You still owe $7K.

That's the gap. And yes—there's insurance for that.

If you're financing or leasing, ask about gap coverage.

Lewis Insurance Agency — Serving North Florida Since 1981

(386) 755-0050 / www.lewisinsurance.com

01/14/2026

Rocky Tip #6 🦝 - Think "comprehensive" means everything? Think again.

Comprehensive covers stuff that ISN'T a collision—hail, theft, a deer launching through your windshield. Yes, that happens. A lot.

Know what your policy actually covers.

Lewis Insurance Agency — Serving North Florida Since 1981

01/14/2026

🏠 LAKE CITY HOMEOWNERS: What insurance documents should you keep for taxes?

Form 1098 (mortgage interest)
Policy declarations pages
Premium payment statements
Wind mitigation inspection reports

Even if most insurance isn't deductible, these records matter for your financial picture.

Questions? Call Lewis Insurance: 386-755-0050

Is homeowners insurance tax deductible in Florida? What documents do you need? Complete 2026 guide for Florida homeowners.

01/13/2026

📋 TAX SEASON TIP FOR FLORIDA HOMEOWNERS

Did you know standard homeowners insurance ISN'T tax deductible?

But there ARE exceptions!

✅ Home office use
✅ Rental property insurance
✅ Casualty losses from declared disasters

Plus, good news: PMI becomes deductible again in 2026!

Read our complete guide to insurance tax documents → https://lewisinsurance.com/florida-insurance-tax-documents-2026

Is homeowners insurance tax deductible in Florida? What documents do you need? Complete 2026 guide for Florida homeowners.

01/12/2026

Rocky Tip #5 🦝

Your roof has a birthday—and your insurance company never forgets it.

After 15 years, they start asking questions. After 20? They might start declining coverage altogether.

Know your roof's age before your insurer reminds you.

Lewis Insurance Agency — Serving North Florida Since 1981

01/09/2026

Rocky Tip #4 🦝

Actual cash value = what your stuff is worth TODAY (spoiler: depreciation hurts)

Replacement cost = what it costs to actually replace it

One of these leaves you whole. The other leaves you shopping at the discount bin.

Check your policy. Know what you have.

Lewis Insurance Agency — Serving North Florida Since 1981

01/08/2026

📋 Your 2026 Florida Homeowners Insurance Checklist

When was the last time you REALLY reviewed your policy? Here's what to check:

🏠 Dwelling Coverage — Does it reflect current rebuild costs? Construction prices are up 5-10% annually.

🌀 Hurricane Deductible — Do you know yours? A 5% deductible on $300K coverage = $15,000 out of pocket.

🌊 Flood Insurance — Your homeowners policy does NOT cover flood damage. Even from hurricanes.

🏗️ Roof Condition — Roofs 15+ years need inspection proving 5+ years of life remaining.

💨 Wind Mitigation — Have you had an inspection? Could save you 10-45% on premiums.

We help North Florida homeowners review their coverage every day. Want a free policy review?

📞 386-755-0050

🌐 https://lewisinsurance.com/homeowners-insurance-florida-2026

Complete 2026 Florida homeowners insurance guide. Rate decreases, coverage checklist, and savings strategies for North Florida homeowners.

01/07/2026

Rocky Tip #3 🦝

State minimum liability sounds like enough... until it isn't.

The average accident costs way more than those minimums cover. That "sincere apology" won't pay the difference.

Lewis Insurance Agency — Serving North Florida Since 1981

01/06/2026

🚗 Is your auto insurance ready for 2026? Florida drivers face big changes this year — including a potential end to PIP coverage in July.

Our complete guide breaks down:

✅ What's happening with rates (finally some good news!)
✅ The major coverage changes coming to Florida
✅ 10+ proven ways to lower your premium
✅ Why telematics could save you up to 40%

Whether you're in Lake City, Live Oak, or anywhere in North Florida, this is a must-read before your next renewal.

👉 Read the full guide: https://lewisinsurance.com/auto-insurance-florida-2026

Questions? Call us at 386-755-0050 — we've been helping North Florida families since 1978.

01/05/2026

Rocky Tip #2 🦝

Higher deductible sounds like free money... until you need to use it.

Pick a deductible you can actually afford to pay out of pocket. Your future self will thank you.

Lewis Insurance Agency — Serving North Florida Since 1981