The Florida Insurance Advisor
The Florida Insurance Advisor broadcasts each Wednesday at 3:04 p.m. on 88.9 WFSU FM. (2:04 p.m. central time on WFSW FM 89.1.)
The Florida Insurance Advisor is made possible as a community service of the Earl Bacon Agency and addresses current issues related to the Florida insurance marketplace in an effort to assist listeners in becoming more knowledgeable insurance consumers.
Visit earlbacon.com/.
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If you have a question, please email minutes@wfsu.org. Please reference The Florida Insurance Advisor in the subject line of your message.
Question Archive
Hurricane DeductibleDecember 3, 2025
DeductiblesNovember 26, 2025
Loss AssessmentNovember 19, 2025
VloggingNovember 12, 2025
BoatsNovember 5, 2025
Flood IIIOctober 29, 2025
Flood IIOctober 22, 2025
Flood IOctober 15, 2025
ExclusionsOctober 8, 2025
LimitationsOctober 1, 2025
Personal LiabilitySeptember 24, 2025
Property Saving OptionsSeptember 17, 2025
Florida Property InsuranceSeptember 10, 2025
Distracted Driving PreventionSeptember 3, 2025
Cyber InsuranceAugust 27, 2025
Cybersecurity FrameworkAugust 20, 2025
Cyber Risk for Small BusinessesAugust 13, 2025
Long COVIDAugust 6, 2025
Insurance as a Weapon in UkraineJuly 30, 2025
Reinsurance LegislationJuly 23, 2025
ReinsuranceJuly 16, 2025
Insurance Credit ScoresJuly 9, 2025
Car Insurance RatesJuly 2, 2025
Named Storm and Wind DeductiblesJune 25, 2025
Hurricane Deductible ExamplesJune 18, 2025
Triggering the Hurricane DeductibleJune 11, 2025
Hurricane DeductibleJune 4, 2025
DeductiblesMay 28, 2025
Loss AssessmentMay 21, 2025
VloggingMay 14, 2025
BoatsMay 7, 2025
Flood IIIApril 30, 2025
Flood IIApril 23, 2025
Flood IApril 16, 2025
ExclusionsApril 9, 2025
Distracted DrivingApril 2, 2025
LimitationsMarch 26, 2025
Personal LiabilityMarch 19, 2025
Property Saving OptionsMarch 12, 2025
Florida Property InsuranceMarch 5, 2025
Distracted Driving PreventionFebruary 26, 2025
Cyber InsuranceFebruary 19, 2025
Cybersecurity FrameworkFebruary 12, 2025
Cyber Risk for Small BusinessesFebruary 5, 2025
Long COVIDJanuary 29, 2025
Insurance as a Weapon in UkraineJanuary 22, 2025
Reinsurance LegislationJanuary 15, 2025
ReinsuranceJanuary 8, 2025
Insurance Credit ScoresJanuary 1, 2025
Car Insurance RatesDecember 25, 2024
Named Storm and Wind DeductiblesDecember 18, 2024
Hurricane Deductible ExamplesDecember 11, 2024
Triggering the Hurricane DeductibleDecember 4, 2024
Hurricane DeductibleNovember 27, 2024
DeductiblesNovember 20, 2024
Loss AssessmentNovember 13, 2024
VloggingNovember 6, 2024
BoatsOctober 30, 2024
Flood IIIOctober 23, 2024
Flood IIOctober 16, 2024
Flood IOctober 9, 2024
ExclusionsOctober 2, 2024
LimitationsSeptember 25, 2024
Personal LiabilitySeptember 18, 2024
VloggingSeptember 11, 2024
Distracted Driving PreventionSeptember 4, 2024
Property Saving OptionsAugust 28, 2024
Florida Property InsuranceAugust 21, 2024
Cyber InsuranceAugust 14, 2024
Cybersecurity FrameworkAugust 7, 2024
Cyber Risk for Small BusinessesJuly 31, 2024
Long COVIDJuly 24, 2024
Insurance as a Weapon in UkraineJuly 17, 2024
Reinsurance LegislationJuly 10, 2024
ReinsuranceJuly 3, 2024
Insurance Credit ScoresJune 26, 2024
Car Insurance RatesJune 19, 2024
Named Storm and Wind DeductiblesJune 12, 2024
Hurricane Deductible ExamplesJune 5, 2024
Triggering the Hurricane DeductibleMay 29, 2024
Hurricane DeductibleMay 22, 2024
DeductiblesMay 15, 2024
Loss AssessmentMay 8, 2024
BoatsMay 1, 2024
Flood IIIApril 24, 2024
Flood IIApril 17, 2024
Flood IApril 10, 2024
Distracted DrivingApril 3, 2024
ExclusionsMarch 27, 2024
LimitationsMarch 20, 2024
Personal LiabilityMarch 13, 2024
VloggingMarch 6, 2024
Distracted Driving PreventionFebruary 28, 2024
Property Saving OptionsFebruary 21, 2024
Florida Property InsuranceFebruary 14, 2024
Cyber InsuranceFebruary 7, 2024
Cybersecurity FrameworkJanuary 31, 2024
Cyber Risk for Small BusinessesJanuary 24, 2024
Long COVIDJanuary 17, 2024
Insurance as a Weapon in UkraineJanuary 10, 2024
Reinsurance LegislationJanuary 3, 2024
ReinsuranceDecember 27, 2023
Insurance Credit ScoresDecember 20, 2023
Car Insurance RatesDecember 13, 2023
Named Storm and Wind DeductiblesDecember 6, 2023
Hurricane Deductible ExamplesNovember 29, 2023
Triggering the Hurricane DeductibleNovember 22, 2023
Hurricane DeductibleNovember 15, 2023
DeductiblesNovember 8, 2023
Loss AssessmentNovember 1, 2023
BoatsOctober 25, 2023
Flood IIIOctober 18, 2023
Flood IIOctober 11, 2023
Flood IOctober 4, 2023
ExclusionsSeptember 27, 2023
LimitationsSeptember 20, 2023
Personal LiabilitySeptember 13, 2023
VloggingSeptember 6, 2023
Distracted Driving PreventionAugust 30, 2023
Property Saving OptionsAugust 23, 2023
Florida Property InsuranceAugust 16, 2023
Cyber InsuranceAugust 9, 2023
Cybersecurity FrameworkAugust 2, 2023
Cyber Risk for Small BusinessesJuly 26, 2023
Long COVIDJuly 19, 2023
Insurance as a Weapon in UkraineJuly 12, 2023
Reinsurance LegislationJuly 5, 2023
ReinsuranceJune 28, 2023
Insurance Credit ScoresJune 21, 2023
Car Insurance RatesJune 14, 2023
Named Storm and Wind DeductiblesJune 7, 2023
Hurricane Deductible ExamplesMay 31, 2023
Triggering the Hurricane DeductibleMay 24, 2023
Hurricane DeductibleMay 17, 2023
DeductiblesMay 10, 2023
LimitationsMay 3, 2023
Personal LiabilityApril 26, 2023
Property Saving OptionsApril 19, 2023
Florida Property InsuranceApril 12, 2023
Distracted DrivingApril 5, 2023
Loss AssessmentMarch 29, 2023
BoatsMarch 22, 2023
Flood IIIMarch 15, 2023
Flood IIMarch 8, 2023
Flood IMarch 1, 2023
ExclusionsFebruary 22, 2023
LimitationsFebruary 15, 2023
Personal LiabilityFebruary 8, 2023
VloggingFebruary 1, 2023
Distracted Driving PreventionJanuary 25, 2023
Property Saving OptionsJanuary 18, 2023
Florida Property InsuranceJanuary 11, 2023
Cyber InsuranceJanuary 4, 2023
Cybersecurity FrameworkDecember 28, 2022
Cyber Risk for Small BusinessesDecember 21, 2022
Long COVIDDecember 14, 2022
Insurance as a Weapon in UkraineDecember 7, 2022
Reinsurance LegislationNovember 30, 2022
ReinsuranceNovember 23, 2022
Insurance Credit ScoresNovember 16, 2022
Car Insurance RatesNovember 9, 2022
Cyber InsuranceNovember 2, 2022
Cybersecurity FrameworkOctober 26, 2022
Cyber Risk for Small BusinessesOctober 19, 2022
Long COVIDOctober 12, 2022
Insurance as a Weapon in UkraineOctober 5, 2022
Reinsurance LegislationSeptember 28, 2022
ReinsuranceSeptember 21, 2022
Insurance Credit ScoresSeptember 14, 2022
Car Insurance RatesSeptember 7, 2022
Named Storm and Wind DeductiblesAugust 31, 2022
Hurricane Deductible ExamplesAugust 24, 2022
Triggering the Hurricane DeductibleAugust 17, 2022
Hurricane DeductibleAugust 10, 2022
DeductiblesAugust 3, 2022
LimitationsJuly 27, 2022
Personal LiabilityJuly 20, 2022
Property Saving OptionsJuly 13, 2022
Florida Property InsuranceJuly 6, 2022
Loss AssessmentJune 29, 2022
BoatsJune 22, 2022
Flood IIIJune 15, 2022
Flood IIJune 8, 2022
Flood IJune 1, 2022
ExclusionsMay 25, 2022
LimitationsMay 18, 2022
Personal LiabilityMay 11, 2022
VloggingMay 4, 2022
Distracted Driving PreventionApril 27, 2022
Distracted DrivingApril 20, 2022
Property Saving OptionsApril 13, 2022
Florida Property InsuranceApril 6, 2022
DeductiblesNovember 26, 2025
Loss AssessmentNovember 19, 2025
VloggingNovember 12, 2025
BoatsNovember 5, 2025
Flood IIIOctober 29, 2025
Flood IIOctober 22, 2025
Flood IOctober 15, 2025
ExclusionsOctober 8, 2025
LimitationsOctober 1, 2025
Personal LiabilitySeptember 24, 2025
Property Saving OptionsSeptember 17, 2025
Florida Property InsuranceSeptember 10, 2025
Distracted Driving PreventionSeptember 3, 2025
Cyber InsuranceAugust 27, 2025
Cybersecurity FrameworkAugust 20, 2025
Cyber Risk for Small BusinessesAugust 13, 2025
Long COVIDAugust 6, 2025
Insurance as a Weapon in UkraineJuly 30, 2025
Reinsurance LegislationJuly 23, 2025
ReinsuranceJuly 16, 2025
Insurance Credit ScoresJuly 9, 2025
Car Insurance RatesJuly 2, 2025
Named Storm and Wind DeductiblesJune 25, 2025
Hurricane Deductible ExamplesJune 18, 2025
Triggering the Hurricane DeductibleJune 11, 2025
Hurricane DeductibleJune 4, 2025
DeductiblesMay 28, 2025
Loss AssessmentMay 21, 2025
VloggingMay 14, 2025
BoatsMay 7, 2025
Flood IIIApril 30, 2025
Flood IIApril 23, 2025
Flood IApril 16, 2025
ExclusionsApril 9, 2025
Distracted DrivingApril 2, 2025
LimitationsMarch 26, 2025
Personal LiabilityMarch 19, 2025
Property Saving OptionsMarch 12, 2025
Florida Property InsuranceMarch 5, 2025
Distracted Driving PreventionFebruary 26, 2025
Cyber InsuranceFebruary 19, 2025
Cybersecurity FrameworkFebruary 12, 2025
Cyber Risk for Small BusinessesFebruary 5, 2025
Long COVIDJanuary 29, 2025
Insurance as a Weapon in UkraineJanuary 22, 2025
Reinsurance LegislationJanuary 15, 2025
ReinsuranceJanuary 8, 2025
Insurance Credit ScoresJanuary 1, 2025
Car Insurance RatesDecember 25, 2024
Named Storm and Wind DeductiblesDecember 18, 2024
Hurricane Deductible ExamplesDecember 11, 2024
Triggering the Hurricane DeductibleDecember 4, 2024
Hurricane DeductibleNovember 27, 2024
DeductiblesNovember 20, 2024
Loss AssessmentNovember 13, 2024
VloggingNovember 6, 2024
BoatsOctober 30, 2024
Flood IIIOctober 23, 2024
Flood IIOctober 16, 2024
Flood IOctober 9, 2024
ExclusionsOctober 2, 2024
LimitationsSeptember 25, 2024
Personal LiabilitySeptember 18, 2024
VloggingSeptember 11, 2024
Distracted Driving PreventionSeptember 4, 2024
Property Saving OptionsAugust 28, 2024
Florida Property InsuranceAugust 21, 2024
Cyber InsuranceAugust 14, 2024
Cybersecurity FrameworkAugust 7, 2024
Cyber Risk for Small BusinessesJuly 31, 2024
Long COVIDJuly 24, 2024
Insurance as a Weapon in UkraineJuly 17, 2024
Reinsurance LegislationJuly 10, 2024
ReinsuranceJuly 3, 2024
Insurance Credit ScoresJune 26, 2024
Car Insurance RatesJune 19, 2024
Named Storm and Wind DeductiblesJune 12, 2024
Hurricane Deductible ExamplesJune 5, 2024
Triggering the Hurricane DeductibleMay 29, 2024
Hurricane DeductibleMay 22, 2024
DeductiblesMay 15, 2024
Loss AssessmentMay 8, 2024
BoatsMay 1, 2024
Flood IIIApril 24, 2024
Flood IIApril 17, 2024
Flood IApril 10, 2024
Distracted DrivingApril 3, 2024
ExclusionsMarch 27, 2024
LimitationsMarch 20, 2024
Personal LiabilityMarch 13, 2024
VloggingMarch 6, 2024
Distracted Driving PreventionFebruary 28, 2024
Property Saving OptionsFebruary 21, 2024
Florida Property InsuranceFebruary 14, 2024
Cyber InsuranceFebruary 7, 2024
Cybersecurity FrameworkJanuary 31, 2024
Cyber Risk for Small BusinessesJanuary 24, 2024
Long COVIDJanuary 17, 2024
Insurance as a Weapon in UkraineJanuary 10, 2024
Reinsurance LegislationJanuary 3, 2024
ReinsuranceDecember 27, 2023
Insurance Credit ScoresDecember 20, 2023
Car Insurance RatesDecember 13, 2023
Named Storm and Wind DeductiblesDecember 6, 2023
Hurricane Deductible ExamplesNovember 29, 2023
Triggering the Hurricane DeductibleNovember 22, 2023
Hurricane DeductibleNovember 15, 2023
DeductiblesNovember 8, 2023
Loss AssessmentNovember 1, 2023
BoatsOctober 25, 2023
Flood IIIOctober 18, 2023
Flood IIOctober 11, 2023
Flood IOctober 4, 2023
ExclusionsSeptember 27, 2023
LimitationsSeptember 20, 2023
Personal LiabilitySeptember 13, 2023
VloggingSeptember 6, 2023
Distracted Driving PreventionAugust 30, 2023
Property Saving OptionsAugust 23, 2023
Florida Property InsuranceAugust 16, 2023
Cyber InsuranceAugust 9, 2023
Cybersecurity FrameworkAugust 2, 2023
Cyber Risk for Small BusinessesJuly 26, 2023
Long COVIDJuly 19, 2023
Insurance as a Weapon in UkraineJuly 12, 2023
Reinsurance LegislationJuly 5, 2023
ReinsuranceJune 28, 2023
Insurance Credit ScoresJune 21, 2023
Car Insurance RatesJune 14, 2023
Named Storm and Wind DeductiblesJune 7, 2023
Hurricane Deductible ExamplesMay 31, 2023
Triggering the Hurricane DeductibleMay 24, 2023
Hurricane DeductibleMay 17, 2023
DeductiblesMay 10, 2023
LimitationsMay 3, 2023
Personal LiabilityApril 26, 2023
Property Saving OptionsApril 19, 2023
Florida Property InsuranceApril 12, 2023
Distracted DrivingApril 5, 2023
Loss AssessmentMarch 29, 2023
BoatsMarch 22, 2023
Flood IIIMarch 15, 2023
Flood IIMarch 8, 2023
Flood IMarch 1, 2023
ExclusionsFebruary 22, 2023
LimitationsFebruary 15, 2023
Personal LiabilityFebruary 8, 2023
VloggingFebruary 1, 2023
Distracted Driving PreventionJanuary 25, 2023
Property Saving OptionsJanuary 18, 2023
Florida Property InsuranceJanuary 11, 2023
Cyber InsuranceJanuary 4, 2023
Cybersecurity FrameworkDecember 28, 2022
Cyber Risk for Small BusinessesDecember 21, 2022
Long COVIDDecember 14, 2022
Insurance as a Weapon in UkraineDecember 7, 2022
Reinsurance LegislationNovember 30, 2022
ReinsuranceNovember 23, 2022
Insurance Credit ScoresNovember 16, 2022
Car Insurance RatesNovember 9, 2022
Cyber InsuranceNovember 2, 2022
Cybersecurity FrameworkOctober 26, 2022
Cyber Risk for Small BusinessesOctober 19, 2022
Long COVIDOctober 12, 2022
Insurance as a Weapon in UkraineOctober 5, 2022
Reinsurance LegislationSeptember 28, 2022
ReinsuranceSeptember 21, 2022
Insurance Credit ScoresSeptember 14, 2022
Car Insurance RatesSeptember 7, 2022
Named Storm and Wind DeductiblesAugust 31, 2022
Hurricane Deductible ExamplesAugust 24, 2022
Triggering the Hurricane DeductibleAugust 17, 2022
Hurricane DeductibleAugust 10, 2022
DeductiblesAugust 3, 2022
LimitationsJuly 27, 2022
Personal LiabilityJuly 20, 2022
Property Saving OptionsJuly 13, 2022
Florida Property InsuranceJuly 6, 2022
Loss AssessmentJune 29, 2022
BoatsJune 22, 2022
Flood IIIJune 15, 2022
Flood IIJune 8, 2022
Flood IJune 1, 2022
ExclusionsMay 25, 2022
LimitationsMay 18, 2022
Personal LiabilityMay 11, 2022
VloggingMay 4, 2022
Distracted Driving PreventionApril 27, 2022
Distracted DrivingApril 20, 2022
Property Saving OptionsApril 13, 2022
Florida Property InsuranceApril 6, 2022