Independent agencies work for you, not the insurance companies. We shop from multiple top-rated carriers to find the best coverage at the best price, customized to your needs, not a one-size-fits-all plan.

We’re local, we’re personal, and we’re experienced. With over 50 years of combined industry knowledge, we take pride in protecting families with insurance that fits real life, not just the fine print.

Absolutely! We’ll walk you through the process, review your current policy, and make sure your transition is smooth!

We’ll guide you every step of the way. While your insurance company handles the actual claim, we’re your advocate in helping you understand the process and making sure things stay on track.

Once a year is a good rule of thumb. Life changes. Buying a new car, installing a new roof, or even adding a teen driver can all affect your coverage and rate.

Homeowners insurance is not legally required in Florida, but if you have a mortgage, your lender will require you to carry it. Cash purchases don't legally require insurance, but it's highly recommended given Florida's hurricane exposure.

Standard Florida homeowners policies typically cover the structure of your home, personal property inside, liability protection if someone is injured on your property, additional living expenses if your home becomes uninhabitable, and other structures like detached garages or sheds.

Standard policies exclude flood damage (requires separate flood insurance), earthquake damage (requires separate coverage), normal wear and tear, maintenance issues, and intentional damage.

Actual cash value (ACV) pays the original cost minus depreciation. Replacement cost coverage pays what it actually costs to rebuild or repair with new materials, without factoring in depreciation. Replacement cost is typically more expensive but provides better protection.

Your dwelling coverage should equal the actual cost to rebuild your home in today's market, not its market value. Use a replacement cost estimator or consult an insurance agent to determine accurate coverage.

A hurricane deductible is a separate, typically higher deductible that applies specifically to hurricane damage. In Florida, options are usually $500, 2%, 5%, or 10% of the insured dwelling value. The higher the deductible you choose, the lower your premium.

Yes, hurricane damage from wind is covered under standard homeowners policies in Florida. However, damage from flooding that occurs during a hurricane requires separate flood insurance. Wind damage from named storms is a covered peril.

No, you do not need a separate policy. Wind and hurricane coverage is included in standard homeowners policies in Florida. However, you may have a separate, higher hurricane deductible applied.

Insurers can cancel for non payment of premiums, home condition, too many claims, etc. They typically must provide 10 days notice before cancellation.

No. Standard policies cap jewelry coverage at around $1,500 and art at similar limits. For valuable items, you can add scheduled endorsements (floaters) to increase coverage limits.