Frequently Asked Questions

We offer several types of property insurance including homeowners' insurance, renters' insurance, flood insurance, and commercial property insurance. Additionally, we offer auto, liability, and recreational insurances.

Financial Protection:

• Bodily Injury Liability: Pays if you hurt someone in an auto accident.
• *Property Damage Liability: Pays if you damage someone else’s property in an auto accident.

Driver and Passenger Protection:

• Uninsured Motorist Bodily Injury: Pays if an uninsured or underinsured driver injures you or your passengers.
• “Stacked” is your selected limit multiplied by the number of cars on your policy.
• *Personal Injury Protection: Pays if you or your passengers are injured in an auto accident.

Protect your Vehicle:

• Comprehensive: Covers damage caused by something other than another vehicle such as hail, theft, or collision with an animal.
• Collision: Covers damage to your vehicle caused by impact with an object other than an animal.

Additional Coverages:

• Rental Reimbursement:
• Roadside Assistance
• Loan Payoff

The length of time a ticket or accident affects your driving record and insurance prices can vary based on the insurance company. In general, most carriers pull the driving record of the past five years. However, the impact on your insurance prices may lessen over time, especially if you maintain a clean driving record after the incident. 

You can lower your insurance premium by increasing your deductible, bundling your policies, and taking advantage of available discounts.

Florida is prone to hurricanes, tropical storms, and other severe weather events, leading to higher property insurance costs to cover potential damage. Other factors may include high density population, higher-than-average rate of lawsuits related to personal injury and property damage, and a highly regulated insurance industry. 

No. Flood is an excluded peril on standard homeowners' insurance policies. To be protected, you must purchase a separate flood insurance policy. Flood coverage applies to damage caused by rising water — not wind-driven rain or plumbing leaks.

In Florida, flood insurance is strongly recommended for all homeowners. Our state is surrounded by water and extremely prone to flooding, and over one-third of people who seek Federal Disaster Assistance after floods live outside designated flood zones.

No. Flood is an excluded peril on standard homeowners' insurance policies. To be protected, you must purchase a separate flood insurance policy. Flood coverage applies to damage caused by rising water — not wind-driven rain or plumbing leaks.

In Florida, flood insurance is strongly recommended for all homeowners. Our state is surrounded by water and extremely prone to flooding, and over one-third of people who seek Federal Disaster Assistance after floods live outside designated flood zones.