HOMEOWNERS INSURANCE

Home Sweet Home. Your home is one of your most valuable assets, both as your family residence and an investment. If your home becomes damaged or destroyed, you need the peace of mind to know that you are properly protected. Morris & Reynolds Insurance has been writing home insurance since 1950 and represents all of the leading insurers, more than just about any other agency, for this important protection. We offer our client’s the broad, quality, coverage and insurers they deserve and the competitive rates you desire. Our experts will help create coverage that’s unique to your home and needs as well as shop the entire market of leading insurers to determine which company will provide you with the best overall value.

We can insure your life and everything in it including your home, wind and flood insurance. You build your life with hard work, planning and dedication. That’s how we approach providing you with your personal insurance. Morris & Reynolds has been insuring personal exposures since 1950 and today protects over 10,000 individuals and families for every risk imaginable including home, condo, wind and flood insurance, your auto, boat, jewelry and umbrella liability needs and any other risk you face. Protecting your personal assets and exposures is a job that we take very seriously and we accomplish unique results for our clients by unparalleled personal service and a daily passion to exceed your expectations.

Extreme Product Knowledge and Innovation

We train our professional people constantly and have a commitment to TEAM education that is far greater than can be found from our competitors. We dig deep not only on traditional insurance topics and details but on emerging insurance and risk trends that face our personal insurance clients. We take a similar, detailed approach to the review and evaluation of your personal exposures and only then create a tailored program through careful planning that will meet your needs, budget, lifestyle and tolerance for risk.

A True Client Service Commitment to Excellence

Old fashioned, reliable, and responsive care never goes out of style. No matter how ‘modern’ our world and lives and the tools we use become you can count on our professional people to develop sincere relationships with you for years to come. Our passion for service ensures that we act as enthusiastic client advocates, providing the highest-quality service and always working for your best interest, not some insurance company’s.

The truest test of a personal risk management program is the ongoing service you receive. Needs change. Lifestyles change. The best designed and implemented insurance plan can fail to satisfy your expectations if the plan is not professionally managed on an ongoing basis. Your Morris & Reynolds client advocate represents a team that works with hundreds of insurers to provide the best solutions to our personal clients. We specialize in coverage placement for:

  • Automobiles, recreational vehicles and motorcycles
  • Boats, personal watercraft, sailboats and yachts
  • Catastrophic coverage for windstorm and flood and excess flood exposures
  • Collector cars and high value vehicles
  • Domestic Workers’ Compensation and Employment Practices
  • Excess and umbrella liability
  • Farms, ranches and country estates
  • Fine art, antiques and collectibles
  • Home office exposures
  • Identity theft
  • Jewelry, silver, furs
  • Kidnap and Ransom
  • Private aircraft and aviation
  • Residential properties including homes, condominiums

Technology That Matters

Morris & Reynolds prides itself on combining ‘old fashioned service’ with state of the art technology to enhance our client experience. Our professional people are supported by cutting edge technology, online access to our insurers, high speed comparative rating tools and the latest in underwriting tools.

We Do The Shopping For You

If you are like us, you like choices and options. Morris & Reynolds represents and has access to the finest personal insurers in insurance. Every year in the months prior to your renewal we automatically seek competitive quotations from the leading insurers in the market and share the results and our recommendations with you. We do the shopping for you.

Concierge Claims Care

  • Initial claims can be reported directly to our insurers or to your assigned professional Morris & Reynolds Client Service Underwriters.
  • Consultative evaluation will be conducted with client to determine best course of action and to answer your questions.
  • Your assigned Client Service Underwriter will report the claim to the company adjuster and provide your contact information to adjuster.
  • Your Client Service Underwriter will be happy to assist in pursuing a claim with a third party or insurers in situations where the third party is responsible for the damage or loss.
  • Act on your behalf to obtain timely and final claim payments.
  • Monitor all claims to a conclusion to insure that claims are handled in a timely manner with the best possible outcome for all concerned.
  • Visit Our Claims Center

9 Sources of Water Damage »
9-sources-of-water-damageA study conducted by the Institute for Business and Home Safety identified 9 areas in your home where water damage is most likely to occur.
How Much Coverage Does Your Home Need »
How-Much-Coverage-Does-Your-Home-NeedIs your home adequately insured? A recent study of 10,000 homeowner claims found that 70% of the homes were underinsured by an average of an alarming 25%.
Coinsurance – Insurance to Value Revisited »
The need to adequately insure property, whether it be commercial or personal, is one of the most fundamental concepts of insurance. Its importance is acknowledged by insureds, agents and brokers, and carriers alike.
Commercial & Residential Property Vacancy »
Vacant buildings are more susceptible to certain types of damage, and for this reason, most commercial property insurance policies include a vacancy condition that significantly limits or, in some cases, eliminates coverage if the building is damaged.
Homeowners Insurance Coverage Basics »
Understanding basic coverage terms of a typical homeowner’s policy can help you arrange your coverage to best suit your individual needs.
Hurricane Mitigation Credits & Savings »
Insurers offer significant discounts for homes and buildings that have storm shutters, impact glass, certain roof types and coverings as well as hurricane straps and other protective features.
Sinkhole vs Catastrophic Ground Cover Collapse »
Sinkholes have been a serious risk for Florida residents in areas such as Pasco County and Hernando County for decades.

CONDOMINIUM INSURANCE

Condo Sweet Condo. Your residence is one of your most valuable assets, both as your family residence and an investment. If your condo becomes damaged or destroyed, you need the peace of mind to know that you are properly protected. Morris & Reynolds Insurance has been writing home insurance since 1950 and represents all of the leading insurers, more than just about any other agency, for this important protection. We offer our client’s the broad, quality, coverage and insurers they deserve and the competitive rates you desire. Our experts will help create coverage that’s unique to your home and needs as well as shop the entire market of leading insurers to determine which company will provide you with the best overall value.

We can insure your life and everything in it including your condo, wind and flood insurance. You build your life with hard work, planning and dedication. That’s how we approach providing you with your personal insurance. Morris & Reynolds has been insuring personal exposures since 1950 and today protects over 10,000 individuals and families for every risk imaginable including home, condo, wind and flood insurance, your auto, boat, jewelry and umbrella liability needs and any other risk you face. Protecting your personal assets and exposures is a job that we take very seriously and we accomplish unique results for our clients by unparalleled personal service and a daily passion to exceed your expectations.

Extreme Product Knowledge and Innovation

We train our professional people constantly and have a commitment to TEAM education that is far greater than can be found from our competitors. We dig deep not only on traditional insurance topics and details but on emerging insurance and risk trends that face our personal insurance clients. We take a similar, detailed approach to the review and evaluation of your personal exposures and only then create a tailored program through careful planning that will meet your needs, budget, lifestyle and tolerance for risk.

A True Client Service Commitment to Excellence

Old fashioned, reliable, and responsive care never goes out of style. No matter how ‘modern’ our world and lives and the tools we use become you can count on our professional people to develop sincere relationships with you for years to come. Our passion for service ensures that we act as enthusiastic client advocates, providing the highest-quality service and always working for your best interest, not some insurance company’s.

The truest test of a personal risk management program is the ongoing service you receive. Needs change. Lifestyles change. The best designed and implemented insurance plan can fail to satisfy your expectations if the plan is not professionally managed on an ongoing basis. Your Morris & Reynolds client advocate represents a team that works with hundreds of insurers to provide the best solutions to our personal clients. We specialize in coverage placement for:

  • Automobiles, recreational vehicles and motorcycles
  • Boats, personal watercraft, sailboats and yachts
  • Catastrophic coverage for windstorm and flood and excess flood exposures
  • Collector cars and high value vehicles
  • Domestic Workers’ Compensation and Employment Practices
  • Excess and umbrella liability
  • Farms, ranches and country estates
  • Fine art, antiques and collectibles
  • Home office exposures
  • Identity theft
  • Jewelry, silver, furs
  • Kidnap and Ransom
  • Private aircraft and aviation
  • Residential properties including homes, condominiums

Technology That Matters

Morris & Reynolds prides itself on combining ‘old fashioned service’ with state of the art technology to enhance our client experience. Our professional people are supported by cutting edge technology, online access to our insurers, high speed comparative rating tools and the latest in underwriting tools.

We Do The Shopping For You

If you are like us, you like choices and options. Morris & Reynolds represents and has access to the finest personal insurers in insurance. Every year in the months prior to your renewal we automatically seek competitive quotations from the leading insurers in the market and share the results and our recommendations with you. We do the shopping for you.

Concierge Claims Care

  • Initial claims can be reported directly to our insurers or to your assigned professional Morris & Reynolds Client Service Underwriters.
  • Consultative evaluation will be conducted with client to determine best course of action and to answer your questions.
  • Your assigned Client Service Underwriter will report the claim to the company adjuster and provide your contact information to adjuster.
  • Your Client Service Underwriter will be happy to assist in pursuing a claim with a third party or insurers in situations where the third party is responsible for the damage or loss.
  • Act on your behalf to obtain timely and final claim payments.
  • Monitor all claims to a conclusion to insure that claims are handled in a timely manner with the best possible outcome for all concerned.
  • Visit Our Claims Center

Condo Unit & Association Coverage Basics »Owners of condominium units have unique insurance needs. Much of the building structure and common areas are typically insured by the Association’s Master Policy, but the unit owner should carry a condo unit policy… Condo Unit & Association Coverage Changes »During the 2008 legislative session, Senate House Bill 601 made changes to the statute that addresses how insurance coverage must be provided under the condominium master policy and the individual unit owner policies.
Sinkhole vs Catastrophic Ground Cover Collapse »Sinkholes have been a serious risk for Florida residents in areas such as Pasco County and Hernando County for decades.
WINDSTORM PUBLICATIONS

Norcross Visits Morris & Reynolds Insurance »After two record breaking hurricane seasons and with the peak of the 2006 season upon us, Morris & Reynolds Insurance recently hosted famed meteorologist Bryan Norcross at its Palmetto Bay office… The Windstorm Solution »Florida is in the midst of a widnstorm crisis that impacts all consumers. After devatating losses in 2004 and 2005, hurricane (wind) insurance is increasingly neither affordable nor readily available.
New RMS Windstorm Model »In order to predict their catastrophic losses, property insurers purchase reports from businesses that specialize in predicting the impact of large catastrophes and do so by using highly sophisticated computer programs known as catastrophe models.

PERSONAL PROTECTION
Automobile
Boat, Yacht & Watercraft
Collectibles
Condominium Units
Dwellings
Farms & Ranches
Fine Art
Flood & Excess Flood
Homeowners
Jewelry
Mobile Homes
Motorcycles
Motor Homes & RVs
Precious Possessions
Renters
Select Client Protection
Umbrella & Excess Liability
Windstorm

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Trusted Insurance

"Savings & Service Has Been Our Policy Since 1950"
14821 South Dixie Highway, Miami, Florida 33176
P 305.238.1000 | F 305.255.9643
E info@morrisandreynolds.com

Independent agent