The protection library
Eight in-depth guides, a bilingual glossary and practical tools for families who built something in Florida. Education, not sales.
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 · 10 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 · 9 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 · 9 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 · 9 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 · 9 min read →Tools and references
To look up, print and share with your family or your advisors.
Spanish and English glossary
70 insurance terms explained in both languages, from hurricane deductible to umbrella policy.
→Frequently asked questions
17 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, is anonymous, and shows which parts of your plan are still blank.