Do Insurance Companies Require Home Inspections?

Closeup of yellow construction helmet being held

In Florida’s changing insurance market, many homeowners are confused about what they need in order to get (or retain) coverage. You may even have received notice that your insurance company is requiring you to submit an inspection report, even if you’ve been in your home for years. As an independent insurance agency, Darr Schackow Insurance […]

What Is a 4 Point Inspection (& Why Do You Need One)?

aerial view of suburban neighborhood

If you’re a first-time homeowner, it may surprise you that insurance companies have requirements that you need to fulfill before they will issue coverage. There are a number of things that can affect your home insurance eligibility (not all of them in your control), but there is one in particular that you should know about […]

How a Water Sensor Can Save You Money on Your Home Insurance

Person checking their water sensor in their home on their cell phone.

Home insurance is one of the most costly policies for many individuals—especially in Florida. While the insurance market is still somewhat unpredictable—and rising premiums are seemingly a given—there are still ways you can keep your costs down without jeopardizing your coverage. We’ve spoken about bundling your insurance policies to unlock savings and of course working […]

Does Liability Insurance Cover Your Pets?

Does Liability Insurance Cover Your Pets?

You might already know that homeowners insurance offers personal liability coverage for third parties that are injured on your property. But does this coverage extend to damage caused by your pets? If you have a dog or cat in your home, it’s important to understand how animal liability insurance works in Florida. In this guide, […]

Why Are Floods Not Covered by Homeowners Insurance?

A Florida home flooded and damaged after Hurricane Ian in 2022

If there’s one thing that’s on every Florida homeowners’ mind these days, it’s their home insurance. Specifically what’s covered and what their premium is. Something many homeowners have had to learn in recent years is that flood damage is not covered by your standard home insurance policy, which is why many Florida homeowners are debating […]

10 Things That Affect Your Home Insurance Eligibility

10 Things That Affect Your Home Insurance Eligibility

While home insurance is not mandatory under Florida law, most people agree that finding good coverage is an important part of homeownership. (Not to mention, most mortgage lenders require you to have it!) As a result, it may come as a shock to find that certain things can make you ineligible for home insurance, leaving […]

What Are Wind Mitigation Retrofits & How Do Wind Retrofits Work?

What Are Wind Mitigation Retrofits & How Do Wind Retrofits Work?  When you invest in wind mitigation retrofits, you’re hoping to get a discount on your homeowners’ policy. But how do these retrofits work, what do they do for your home, and how can you make the most of this investment? Certainly, homeowners and windstorm […]

Tips for Homeowner’s Insurance Rate Increases

Tips for Home Rate Increases Blog

We are seeing a lot of rate increases in the insurance market right now, and many of our clients want to know what they can do about it. Here are some options to consider if you are looking to lower your homeowner’s insurance premium. Bundle your home and auto insurance. Many carriers offer discounts when […]

Why Gainesville Residents Choose DSI for Homeowners Insurance

If you recently bought a home in the Gainesville, FL, area, one of the first things you will want to do is shop around for the best homeowner’s insurance. Buying a home in Florida can come with some risks, such as severe weather, sinkholes, and flooding, but at DSI our goal is to make the […]

Best Way to Protect Your Household: Do a Home Inventory


When the new year arrives, it’s a great time to take a home inventory. You may have gotten a special holiday gift (jewelry, collectibles, heirlooms or firearms) that needs to be insured, redecorated your home with a new piece of art, or made other changes to your home over the past year that would all […]