The protection library
Fourteen in-depth guides, a bilingual glossary and practical tools for families who built something in Florida.
Guides
Insuring a high-value Florida home against hurricanes and wind
How replacement cost, the hurricane deductible, ordinance or law coverage and your roof shape what a policy pays after a storm.
Read the guide · 13 min read →
Flood and storm surge: how flood insurance works in Florida
Why a homeowners policy does not pay for rising water, what the NFIP covers, and how excess and private flood policies fill the gap on a high-value home.
Read the guide · 12 min read →
Florida auto insurance: what the law requires and what your assets need you to review
Florida's minimums do little for a family with significant assets; understanding UM coverage, owner liability and household drivers helps reveal the gaps.
Read the guide · 10 min read →
Boat insurance in Florida: what your homeowners policy leaves on the dock
How yacht, boat and personal watercraft insurance works, and what to review before you head out, lend the boat or hire a captain.
Read the guide · 9 min read →
Private aviation in the family: where the usual policies stop
What private aircraft insurance covers, what it asks of the pilot, and what changes when the family flies fractional, on a jet card, by charter or with drones.
Read the guide · 9 min read →
Jewelry, art and collection insurance: what a homeowners policy leaves uncovered
How special limits, scheduled coverage and good documentation work, and why they decide the outcome of a high-value claim.
Read the guide · 10 min read →
Umbrella insurance and personal liability for high-net-worth families in Florida
How an umbrella sits on top of your home, auto and boat policies, where the gaps usually are, and which questions are worth reviewing.
Read the guide · 10 min read →
Household staff and family legacy: insurance, obligations and an organized estate
What changes when a family hires nannies, housekeepers, drivers or caregivers, and how insurance fits into the estate plan.
Read the guide · 10 min read →
Family cyber protection: fraud, extortion and identity in a connected home
What personal cyber insurance covers, what a homeowners policy does not, and how to protect your family, your staff and the devices in your home.
Read the guide · 8 min read →
Kidnap and ransom insurance: what it is, who it is for and how it works
A calm explanation of a discreet coverage: which events it includes, why the response team matters more than the payment and how it fits with your other policies.
Read the guide · 7 min read →
Short-term rentals in Florida: licensing, taxes and the policy that actually responds
What changes when your home or condo hosts paying guests, and how to review your protection before you publish the listing.
Read the guide · 7 min read →
Renovations and construction: how to protect the home while work is underway
What changes in your insurance when the home is renovated or left empty, what to ask contractors for and which documents keep the family from paying twice.
Read the guide · 7 min read →
Board service and family foundations: the personal liability of serving
What the law protects when you serve on a board, what directors and officers insurance covers and which special rules apply to a family foundation.
Read the guide · 7 min read →
Condos and associations in Florida: what the association covers and what falls to you
How the master policy and the unit policy split the risk, why special assessments matter and what changed with milestone inspections and reserve studies.
Read the guide · 7 min read →Mitigation: how to reduce the risk
Every guide ends with concrete steps to prevent losses and document what you did. Go straight to the section you need.
Tools and references
To look up, print and share with your family or your advisors.
Spanish and English glossary
102 insurance terms explained in both languages, from hurricane deductible to umbrella policy.
→Frequently asked questions
29 short answers to the questions Florida families ask most.
→Hurricane season checklist
44 printable steps to prepare, June through November.
→Family inventory: where everything is
A printable sheet so your family knows where the policies, deeds and advisors are.
→Where does your family stand on this?
The Family Protection Map takes three minutes and shows which parts of your plan are still blank.