Frequently Asked Questions
Get answers to common insurance questions from our experts
General Insurance Questions
Most customers save between 15-40% by comparing quotes and switching to a better policy. The exact savings depend on your current coverage, driving record, credit score, and specific needs. Our agents help you compare multiple providers to find the best rates and coverage.
Yes, we provide insurance services throughout Florida, including Miami, Orlando, Tampa, Jacksonville, Fort Lauderdale, West Palm Beach, Naples, and all surrounding areas. We're licensed to write insurance policies statewide.
Most quotes are provided within 15 minutes during business hours. For simple auto or home insurance quotes, we can often provide immediate estimates. For complex commercial policies or specialty insurance, we typically provide detailed quotes within 24 hours.
For auto insurance: driver's license, vehicle information, current insurance details, and driving history. For home insurance: property address, home details, and current coverage information. For business insurance: business type, number of employees, revenue, and specific coverage needs.
Auto Insurance Questions
Florida requires minimum coverage of $10,000 personal injury protection (PIP) and $10,000 property damage liability. Florida is a no-fault state requiring PIP coverage. However, we recommend higher limits to better protect your assets.
Key factors include your driving record, age, location, vehicle type, credit score, annual mileage, coverage limits, and deductibles. Safe drivers with good credit typically receive the best rates.
Yes, we work with multiple insurance companies that specialize in high-risk drivers. While rates may be higher, we can help you find affordable coverage and work toward improving your rates over time.
Home Insurance Questions
No, standard homeowners insurance does not cover flood damage. In Florida, flood insurance is essential and requires a separate policy through the National Flood Insurance Program (NFIP) or private flood insurance providers.
Your dwelling coverage should equal the cost to rebuild your home (not its market value). Personal property coverage is typically 50-70% of dwelling coverage. Liability coverage should reflect your assets and potential lawsuit exposure.
Replacement cost pays to replace damaged items with new ones of similar quality. Actual cash value pays replacement cost minus depreciation. Replacement cost coverage is more expensive but provides better protection.
Business Insurance Questions
Workers' compensation is required for most businesses with employees in Florida. Commercial auto insurance is required for business vehicles. Professional liability may be required for licensed professionals. Other coverage depends on your industry and business structure.
A BOP combines general liability and commercial property insurance in one package, often at a lower cost than buying separately. It's ideal for small to medium-sized businesses and can include business interruption coverage.
Claims Questions
Contact your insurance company immediately after an incident. Document the damage with photos, gather relevant information, and keep receipts for temporary repairs. Our agents can help guide you through the claims process and advocate on your behalf.
It depends on the type and frequency of claims. At-fault auto accidents and multiple claims may increase rates. Weather-related home claims and not-at-fault accidents typically have less impact. Each insurance company has different policies regarding claims and rate increases.
Still Have Questions?
Our licensed agents are here to help answer any insurance questions you may have.
Contact Us Call (305) 407-0427