Realtors| Morris & Reynolds Insurance

Helping Real Estate Professionals Close Sales Since 1950

Since 1950 Morris & Reynolds Insurance has been helping real estate professionals including realtors, mortgage brokers, title agents and lenders close sales. We are grateful for your referrals and have a dedicated team of insurance professionals focused on meeting your client’s insurance needs on their new purchase or refinance so you can close the sale.

All Forms of Insurance

Morris & Reynolds Insurance provide all forms of insurance including home, windstorm and flood protection. We are expert at the issues your clients face and the solutions they need. No one knows more about arranging the coverage a client or lender requires, flood elevations, mitigation or replacement cost topics than the expert agents and underwriters at Morris & Reynolds Insurance.

More Competitive Insurer Choices Than Just About Anyone

When you suggest Morris & Reynolds to your client’s you are assured that we offer more quality, competitive, insurer’s than anyone else. Prior to making a suggestion to our client’s we scour the market and obtain competitive quotes with our Automated Comparative Rater that often provides several trusted insurer options.

A Unique Commitment To Your Industry

Morris & Reynolds Insurance is an active member of your industry and has been for decades. We insure our local real estate association’s and trade groups. We offer unique tools that you can use on a day-to-day basis such as our Home & Wind Insurance Cost Estimator, in-depth newsletters on topics of importance to you and your clients as well as dozens of Insurance Educational Seminars at local real estate professional’s offices each year.


Home & Wind Insurance Cost Estimator / Miami Dade Low Cost Insurance Estimator	Citizens Windstorm » Citizens Property Insurance Clearinghouse » The state insurer of last resort, Citizens, has grown to become Florida’s largest home insurer, as well a common solution for dwelling fire policies used for rental properties and a range of commercial policies for wind and multi-peril coverage. New Law To Raise Flood Insurance Rates Dramatically » Hurricane Katrina devastated New Orleans. The storm that caused extensive flooding in the Crescent City and along the Gulf Coast has, in the years since, also nearly destroyed the National Flood Insurance Program (NFIP).	‘Take-Out’ Insurance Blog Post » If you use or have considered the state of Florida’s insurer Citizens for your wind or multi-peril property insurance chances are good that in recent months you have heard the term ‘take-out company’ or that you will soon hear it. Feb 2014 Real Estate Insurance Report » For over six decades Morris & Reynolds has proudly helped realtors close sales by assisting your clients with their insurance needs.

REALTORS PUBLICATIONS

Flood HFIAA 2015 Changes
2005’s Hurricane Katrina changed everything. That storm contributed greatly to the National Flood Insurance Program’s current $24 Billion deficit and has since caused many in Washington to look for ways to change the program so as to lower both that deficit and to discontinue federal subsidies that have been included in the rates NFIP charges for decades and that make this flood coverage affordable.

Flood Verification of Primary Residence Form »
Section 8 of the Homeowner Flood Insurance Affordability Act og 2014 (HIFFA) requires a collection of an annual premium surcharge for NFIP flood insurance policues of $25 on all primary residences and $250 for policies on non-residential properties and non-primary residences.

Private Flood Insurance »
The ink was hardly dry on the President’s signature of The Biggert-Waters Flood Insurance Reform Act of 2012 (BW12) when a flurry of private companies started to announce that they suddenly had an appetite for private flood insurance.

Private Flood Insurance Be Aware of The Risks »
The use of private flood insurance policies for risks in the Special Flood Hazard Area (A and V zones) has increased substantially over the past year. The Biggert-Waters Flood Insurance Reform Act of 2012 (BW12) created this opportunity as some pre-FIRM premiums increased by 1,000 percent or more when full risk rates were applied.

Flood Insurance Premium Increase »
Effective October 1, 2009, changes to the National Flood Insurance Program will result in premium rate increases for various risk zones, coverage limits for building & contents as well as standard deductibles offered for pre- and post- FIRM properties.

New Citizens Rules On Older Homes »
Effective September 1st 2012 for new business and October 1st for renewals, Citizens is implementing new inspection procedures on older homes.

Wind Insurance On Larger Homes »
In an effort to reduce exposure to claims the State of Florida’s insurer of last resort, Citizens, ceased writing new policies with a Dwelling limit above $ 1,000,000.00 as of February 1, 2012 and began non-renewing their existing clients with such limits as of May 1, 2012.