Author Archive: The Baldwin Group
"The Flood That Taught Me About Umbrella Insurance"
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I can't remember many summers growing up in Southern California that were as hot as a typical Florida summer. However, there was one year …
Golf Carts 101
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It was 1999, and I was driving without a license. I was on vacation in a new city and state and, just as my mother had warned me, I had …
Florida’s Flood Reality: What Homeowners Need to Know
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Flooding continues to cause major damage across the United States, and Florida is one of the states most at risk. In 2025 alone, widespread …
Understanding the Difference Between Roof Age in terms of “Warranty” vs “Insurance”: What Homeowners Need to Know
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Your roof is one of the most important components of your home, shielding your property, loved ones, and belongings from the elements. As …
Same Home, Different Coverage: Understanding Why Property Insurance Varies Even for Similar Homes
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It’s easy to assume that identical homes in the same neighborhood should have the same property insurance coverage and cost. After all, …
Is Bundling Your Insurance Always the Best Option? Not Necessarily!
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For a long time, bundling insurance policies—combining your home, auto, and other types of coverage with one insurance company—has been …
Properties Deeded to Trusts: Why It Matters for Your Insurance
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When it comes to estate planning, one of the most common strategies involves transferring property into a trust. By placing real estate …
In the Market for a Golf Cart? A Key Awareness Guide
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It's exciting to be in the market for a golf cart. For many, it's seen as a convenient mode of transport, particularly in communities like …
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