If something happened to you tomorrow...
Would your family be able to keep the house? Pay the bills? Keep the kids in their school?
Most people avoid this question. But the families who answer it are the ones who never have to worry.
Life insurance isn't about death. It's about making sure the people you love most don't have to start over from zero.
$500K in coverage can cost less than your Netflix subscription.
DM us "LIFE" and we'll show you exactly what it costs for your family.
bellandlyons.com | 954-998-3860
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Et si quelque chose vous arrivait demain...
Votre famille pourrait-elle garder la maison? Payer les factures? Maintenir les enfants dans leur école?
La plupart des gens évitent cette question. Mais les familles qui y répondent sont celles qui n'ont jamais à s'inquiéter.
Une assurance vie à 500 000$ peut coûter moins cher que votre abonnement Netflix.
Écrivez-nous "VIE" en message privé et on vous montre les tarifs.
bellandlyons.com | 954-998-3860
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Si algo te pasara mañana...
¿Podría tu familia mantener la casa? ¿Pagar las cuentas? ¿Seguir con los niños en su escuela?
La mayoría evita esta pregunta. Pero las familias que la responden son las que nunca tienen que preocuparse.
Un seguro de vida de $500,000 puede costar menos que tu suscripción de Netflix.
Escríbenos "VIDA" por DM.
bellandlyons.com | 954-998-3860
#LifeInsurance #FamilyProtection #SouthFlorida #MiamiInsurance #BellAndLyons #FamilyFirst #LifeInsuranceMiami #ProtectYourFamily #FloridaInsurance #SundayVibes #Familia
🔥 Right now, over 11,000 acres are burning in the Everglades.
The Max Road Fire started Sunday near Krome Avenue — right on the Broward/Miami-Dade line. The National Guard is out there. Helicopters doing water drops. Smoke so thick Pembroke Pines residents can barely see the sky.
A second fire near Florida City forced Card Sound Road to close — the gateway to the Keys.
No homes destroyed yet. But here's what most people don't realize:
Smoke damage IS covered under most Florida homeowners policies. Soot in your HVAC. Discoloration on your walls. That smell that won't leave your furniture. All coverable.
But you have to document it immediately.
Here's what we're telling our clients today:
✅ Take video of every room NOW
✅ Check your policy for smoke, fire, and loss of use coverage
✅ Know your deductible — hurricane deductibles DON'T apply to wildfire
✅ Call your agent for a free coverage check
Free policy reviews this week for anyone in Broward or Miami-Dade.
Comment "FIRE" or call us. 954-998-3860 | bellandlyons.com
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🇫🇷 Plus de 11 000 acres brûlent près de Miami. Les dégâts de fumée SONT couverts. Révisions gratuites cette semaine. Commentez "FEU". 954-998-3860
🇪🇸 Más de 11,000 acres ardiendo cerca de Miami. El daño por humo SÍ está cubierto. Revisiones gratis esta semana. Comenta "FUEGO". 954-998-3860
#EvergladesWildfire #SouthFloridaFire #MaxRoadFire #FloridaWildfire #SmokeDamage #HomeownersInsurance #FloridaInsurance #MiamiDade #Broward #PembrokePines #BellAndLyons #InsuranceMiami #FreePolicyReview #SouthFlorida #ProtectYourHome #InsuranceBroker #FloridaHomeowners #WildfireSeason
The World Cup is coming to Miami. 33 days. ⚽🏟️
This summer, Hard Rock Stadium hosts 7 matches. 1M+ visitors are expected across South Florida — and whether you're a homeowner, business owner, or just driving to the game, NOW is the time to check your coverage.
🏠 Renting your place on Airbnb? Your homeowners policy might not cover short-term guests.
🚗 More tourists = more traffic. Make sure your auto coverage is current.
🏢 Running a bar, restaurant, or shop near the action? Your commercial liability needs a second look.
⛵ Hosting on a yacht or boat? Don't forget marine coverage.
Don't wait until kickoff to find out you're underinsured.
📩 Comment REVIEW below or DM us — we'll check your policies before the first whistle. Free, no obligation.
🇫🇷 La Coupe du Monde arrive à Miami. 33 jours. Vérifiez vos assurances avant le coup d'envoi. Envoyez-nous un message.
🇪🇸 El Mundial llega a Miami. 33 días. Revisa tu cobertura antes del pitazo inicial. Escríbenos.
📞 954-998-3860 | bellandlyons.com
#FIFAWorldCup #WorldCup2026 #MiamiWorldCup #HardRockStadium #FIFA2026 #SoccerMiami #InsuranceMiami #SouthFloridaInsurance #MiamiInsurance #AirbnbInsurance #CommercialInsurance #AutoInsurance #MarineInsurance #BellAndLyons #ProtectWhatMatters #MiamiBusiness #WorldCupReady #MiamiEvents #SummerInMiami
The Devil Wears Prada 2 is in theaters. But the real flex? She insures it. 👜🔥
Your Birkin. Your Submariner. Your Cartier Love bracelet. That vintage Chanel jacket you waited 3 years to find.
One spill. One theft. One "it was in my bag and now it's gone" moment — and it's just… gone.
Scheduled Personal Property coverage protects the pieces that make you, you.
No deductible. Full replacement value. Worldwide.
Because if it's worth wearing, it's worth insuring. 💎
📞 954-998-3860
🌐 bellandlyons.com
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🇫🇷 Le Diable assure son Prada. Vos pièces de luxe méritent une vraie protection — sans franchise, valeur totale, partout dans le monde.
🇪🇸 El Diablo asegura su Prada. Tus piezas de lujo merecen protección real — sin deducible, valor total, cobertura mundial.
#TheDevilInsuresHerPrada #DevilWearsPrada2 #LuxuryInsurance #MiamiLuxury #BellAndLyons #ScheduledPersonalProperty #PradaBag #LuxuryLifestyle #MiamiFashion #InsureYourStyle #HighFashion #DesignerBags #WatchInsurance #JewelryInsurance
Don't just wear it. Insure it. 💎👜⌚
Your Hermès bag, your Rolex, your diamond ring — they're more than accessories. They're investments. And standard homeowners insurance often doesn't cover their full value.
Scheduled Personal Property coverage protects your most prized items against loss, theft, and damage — no deductible, worldwide coverage.
What can you insure?
✅ Jewelry & watches
✅ Designer handbags
✅ Fine art & collectibles
✅ Furs, cameras & musical instruments
Don't wait until it's too late. One phone call. Full protection.
📞 954-998-3860
🌐 bellandlyons.com
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🇫🇷 Ne vous contentez pas de le porter. Assurez-le.
Votre sac Hermès, votre Rolex, votre bague en diamant — ce sont des investissements. L'assurance habitation standard ne couvre souvent pas leur pleine valeur.
La couverture des biens personnels programmés protège vos objets les plus précieux : bijoux, montres, sacs de luxe, œuvres d'art.
📞 954-998-3860 | bellandlyons.com
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🇪🇸 No solo lo uses. Asegúralo.
Tu bolso Hermès, tu Rolex, tu anillo de diamantes — son inversiones. El seguro de hogar estándar a menudo no cubre su valor total.
La cobertura de propiedad personal programada protege tus artículos más valiosos: joyas, relojes, bolsos de diseñador, obras de arte.
📞 954-998-3860 | bellandlyons.com
#ValuablesInsurance #JewelryInsurance #LuxuryInsurance #WatchInsurance #HermèsBag #RolexWatch #BellAndLyons #MiamiLuxury #SouthFlorida #PersonalPropertyCoverage #DesignerBags #FineArt #InsuranceProtection #FloridaInsurance #ProtectYourInvestments
Is your watch insured?
You spent $80K+ on a timepiece. You wear it to dinner, on vacation, through airports.
But if it's stolen off your wrist in Barcelona — or lost at a hotel in Aspen — does your homeowner's policy actually cover it?
Most don't. Or they cap jewelry coverage at $5K–$10K.
That means your Nautilus, your Royal Oak, your Daytona — they're sitting on your wrist unprotected.
A scheduled personal property endorsement covers:
→ Theft — anywhere in the world
→ Mysterious disappearance — no proof of theft needed
→ Accidental damage — dropped, scratched, cracked crystal
→ Travel coverage — full protection abroad
→ No deductible on most policies
Cost? Often under $50/month for a $100K watch.
Your broker should have told you this.
DM us or call for a free policy review. We'll tell you exactly what's covered — and what's not.
bellandlyons.com | 954-998-3860
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🇫🇷 Votre montre est-elle assurée ? Vol, perte, voyage — la plupart des polices ne couvrent pas vos montres de luxe. Contactez-nous pour une révision gratuite.
🇪🇸 ¿Tu reloj está asegurado? Robo, pérdida, viajes — la mayoría de las pólizas no cubren relojes de lujo. Contáctanos para una revisión gratuita.
#BellAndLyons #LuxuryWatch #WatchInsurance #PatekPhilippe #MiamiLuxury #FloridaInsurance #WatchCollector #PersonalArticles #HighNetWorth #InsuranceTips
$3,800 saved. Same coverage. One phone call.
A Florida driver came to us paying $6,200/year on his auto policy. Same car. Same zip. Same limits.
We ran one review.
His previous broker never applied:
→ Safe driver discount (zero accidents in 5 years)
→ Multi-policy bundle with his homeowner's
→ Anti-theft device credit
Three things nobody checked. $3,800 back in his pocket. Every. Single. Year.
And this isn't the exception. This is what happens when nobody shops your policy.
Florida auto rates are up 30% since 2022. If you haven't had your rate reviewed — you're leaving money on the table.
We find savings like this every week.
Comment SAVE or DM us for a free policy review. Takes 5 minutes.
bellandlyons.com | 954-998-3860
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🇫🇷 $3 800 économisés. Même couverture. Un seul appel. Votre courtier n'a jamais vérifié vos rabais. Commentez SAVE pour une révision gratuite.
🇪🇸 $3,800 ahorrados. Misma cobertura. Una llamada. Tu agente nunca verificó tus descuentos. Comenta SAVE para una revisión gratuita.
#BellAndLyons #FloridaInsurance #AutoInsurance #SaveMoney #MiamiInsurance #InsuranceSavings #FloridaRates #CarInsurance #InsuranceTips #MiamiLife
5 miles out. Engine cuts. Radio's sketchy. And another boat just clipped your stern.
Who's paying for the hull damage? The towing bill? The guy on the other boat who's now holding his neck?
If you don't have the right boat insurance — you are. Out of pocket. In Florida, where 900,000+ vessels are registered, most owners carry the bare minimum. Some carry nothing at all.
Here's what proper coverage actually looks like:
— Hull & machinery (your boat's value, protected)
— Liability (when someone gets hurt)
— Medical payments (your passengers, covered)
— On-water towing & fuel delivery
— Uninsured boater coverage
Starting around $25/month depending on your vessel. That's less than a tank of gas for your outboard.
One call. We'll match you with the best rate from 50+ carriers.
954-998-3860 | bellandlyons.com
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🇫🇷 5 milles au large. Moteur en panne. Radio instable. Qui paie les dommages? Avec la bonne assurance bateau — coque, responsabilité, remorquage, passagers. Dès $25/mois. Appelez: 954-998-3860
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🇪🇸 5 millas mar adentro. Motor muerto. Radio intermitente. ¿Quién paga los daños? Con el seguro de bote correcto — casco, responsabilidad, remolque, pasajeros. Desde $25/mes. Llámanos: 954-998-3860
#BoatInsurance #FloridaBoating #MiamiBoats #MarineInsurance #BellAndLyons #SouthFlorida #BoatLife #FishingFlorida #LuxuryYacht #FloridaInsurance #BoatOwner #Aventura #BrowardCounty #MiamiDade #InsuranceTips
This doesn't happen often.
Florida home insurance rates are dropping — some homeowners are seeing 10% to 40% reductions for the first time in a decade. 17 new carriers entered the market. Roof age limits are loosening. If your renewal went UP this year, your agent didn't do their job.
Here's what changed:
→ Legal reforms killed the lawsuit abuse that was driving premiums through the roof
→ More competition = better rates for you
→ Citizens Insurance approved an 8.7% average cut — 13.9% in Miami-Dade, 14.1% in Broward
And the timing matters: it's Hurricane Prep Week. NOAA is reminding every Floridian to review their coverage before June 1.
Two things to do this week:
1. Call your agent and ask if they've shopped your policy
2. Check if you have flood insurance (your homeowner's policy doesn't cover it — and Citizens will require it by 2027)
We shop 50+ carriers. If your rate went up, we'll find out why — and fix it.
954-998-3860 | bellandlyons.com
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🇫🇷 Les tarifs d'assurance habitation en Floride baissent enfin — jusqu'à 40% pour certains propriétaires. 17 nouveaux assureurs sur le marché. C'est aussi la Semaine de préparation aux ouragans : vérifiez votre couverture avant le 1er juin.
📞 954-998-3860 | bellandlyons.com
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🇪🇸 Las tarifas de seguro de hogar en Florida están bajando — hasta un 40% para algunos propietarios. 17 nuevas aseguradoras entraron al mercado. Esta semana es la Semana de Preparación para Huracanes: revisa tu cobertura antes del 1 de junio.
📞 954-998-3860 | bellandlyons.com
#FloridaInsurance #HurricanePrepWeek #HomeInsurance #SouthFlorida #MiamiDade #Broward #BellAndLyons #InsuranceRates #FloridaHomeowners #HurricaneSeason2026 #SaveMoney #KnowYourCoverage
$25,000.
That's the average damage from just ONE INCH of water inside your home.
And here's the part nobody tells you: your homeowner's insurance doesn't cover it. Not a dollar. Not a cent. Flood damage requires a separate policy — and most South Florida homeowners don't have one.
Hurricane season starts June 1. One storm. One surge. One busted pipe during a tropical depression. That's all it takes.
A flood policy through Bell & Lyons starts at around $400/year. That's $33/month to protect everything you own.
Don't wait for the water to remind you.
954-998-3860 | bellandlyons.com
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🇫🇷 25 000 $ — c'est ce qu'UN SEUL POUCE d'eau peut coûter. Et votre assurance habitation ne couvre PAS les inondations. Appelez-nous avant la saison des ouragans.
954-998-3860 | bellandlyons.com
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🇪🇸 $25,000 — eso es lo que UNA PULGADA de agua le puede costar. Y su seguro de hogar NO cubre inundaciones. Llámenos antes de la temporada de huracanes.
954-998-3860 | bellandlyons.com
#FloodInsurance #SouthFlorida #Miami #HurricaneSeason #HomeProtection #BellAndLyons #FloridaInsurance #FloodDamage #ProtectYourHome #InsuranceTip
