University Insurance Group November 2026 Newsletter

November is here, and with it comes a season of gratitude. As we gather around the table this month, we're thankful for you, our clients, who trust us with what matters most.

This fall we also celebrated a milestone: 20 years of University Insurance Group. Two decades of protecting Florida families and businesses, and we couldn't have done it without you. Thank you.

This month's newsletter includes a year-end checkup to tackle before the holiday rush, a teaching moment from Wise-Lee, and a few dates worth celebrating. Let's finish the year strong, together!

The holidays will eat up most of 2026. Before the rush hits, here's a quick checkup to do now, while things are still calm.

🔍 Review Your Policies

Life changes fast. A new car, a home update, a new driver in the family, even a new roof can change what you need. Do your coverage limits still match your life?

👨‍👩‍👧‍👦 Update Your Beneficiaries

Marriages, divorces, new babies, new grandbabies. If your beneficiary designations are more than a couple of years old, give them a fresh look. This one takes five minutes and matters more than almost anything else on the list.

📸 Photograph Your Valuables

Ten minutes with your phone today can save you headaches later. Walk through each room, open the closets, and snap away. Store the photos somewhere safe, like the cloud. If you ever have a claim, you'll be glad you did.

💸 Bundle and Save



One call could lower your total bill before the holidays. If your Auto and Home are with different companies, ask us what bundling could save you.

🤝 How Can We Help



A quick review takes about 15 minutes, and it's free. Just reply to this email, and we'll walk through it with you. No pressure, no jargon.

🦉 Wise-Lee's Wisdom Corner

Did you know? Your homeowners policy may protect your belongings even when they're far from home. That laptop stolen from your car on vacation, or the bike taken from a hotel garage? Most policies include off-premises coverage for personal property, typically a percentage of your contents limit. It's one of the most overlooked perks in the policy. Ask us what your limit looks like, you might be pleasantly surprised.

📰 Florida Insurance News in Brief

The 1% FIGA surcharge is gone. The emergency assessment on all Florida property insurance premiums ended October 1, two years ahead of schedule. Any policy renewing on or after October 1 should no longer show the surcharge on the declarations page. The early end is expected to save Florida policyholders about $650 million over the next two years.

The market keeps stabilizing. Citizens, the state's insurer of last resort, has dropped below 300,000 policies as private carriers return, and regulators continue approving rate decreases across the state. Competition is good news for your wallet.

📖 Further Readings

We've rounded up a few great reads from around the web to keep you informed and entertained this month.

• Hosting a holiday dinner this month? Food Network rounded up their top 50 Thanksgiving recipes, from the perfect turkey to showstopping sides and desserts, everything you need for a great table.

🥧 Thanksgiving Recipes — Food Network

• Have you tried pickleball yet? It's officially America's fastest-growing sport, with over 24 million players. Forbes breaks down how pickleball went from a backyard pastime to a cultural phenomenon, and why even Gen Z can't put the paddle down.

🏓 Pickleball — Forbes

• November is a natural time to slow down and count your blessings. Mayo Clinic shares why practicing gratitude is genuinely good for your health: from better sleep and mood to reduced anxiety and pain.

💖 Gratitude & Health— Mayo Clinic

• Ready to cozy up your home for the season? Architectural Digest has a beautiful collection of fall décor ideas to help make your space feel warm and inviting as the holidays approach.

🍂 Fall Home Décor

📅 Mark Your Calendar

Here are some notable dates you don't want to miss, along with ways to celebrate each:

• November 1: Daylight Saving Ends - Clocks fall back an hour, so enjoy the extra sleep. It's also the perfect reminder to test your smoke detectors and swap those batteries.

• November 3: Election Day - Make your voice heard. Polls are open, and every vote counts.

• November 11: Veterans Day - To all who served, thank you. Consider thanking a veteran in person today, or supporting a local veterans' organization.

• November 13: World Kindness Day - A day for small gestures that cost nothing: hold the door, buy the coffee, check on a neighbor. Kindness is contagious.

• November 26: Thanksgiving - From our family to yours, have a safe and happy holiday. If you're traveling, double-check the house before you lock up.

• November 28: Small Business Saturday - As a small, family-operated business ourselves, this one is close to our hearts. Shop local and support the businesses that make our community home.

• November 30: Last Day of Hurricane Season - We made it through another one, Florida. Before you pack the supplies away, restock what you used so you're ready next June.

😄 A Little Laugh

What did the turkey say to the computer?

"Google, google!" 🦃

That's all Folks!

Thanks for reading this month's newsletter. We're grateful for every one of you.

If you have any insurance needs, questions, or concerns, please reach out. We are here to help.

1860 SW Fountainview Blvd. Suite 100 Port St. Lucie, FL 34986 US