We offer various options for your Auto and Property Insurance
Auto
  •  Auto
  •  Boat 
  •  Motorcycle 
  •  RV 
  •  Classic Cars 
  •  Golf Carts
Property
  •  Home
  •  Mortgage Protection 
  •  Renters 
  •  Condos 
  •  Flood

Auto

The right auto insurance policy with the right coverage can help get you back on the road quickly if your car is damaged or destroyed by an accident, fire, theft, or other event covered by your insurance policy. Your policy may also provide protection against medical or other expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
 
An auto insurance policy is a contract between you and an insurance company. You pay a premium and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy.

How much auto insurance is right for you?

If you have any doubts about the appropriate level of automobile coverage that’s right for you, our team of insurance professionals will be happy to help work with you to determine the coverages best suited to your needs.
Auto insurance requirements vary by state. We write insurance in Florida and would be happy to help you ensure you have the right car insurance coverage.

Even in states where coverage isn’t required, by law drivers must be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:

Collision Insurance
Collision coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

Comprehensive Insurance (Other than Collision)
Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.)

Boat

We understand how hard you work for your personal possessions and how important it is to keep those things safe. That is why we are here to help you find the most affordable rates for your boat, yacht, personal watercraft or PWC insurance. We offer different coverage policies appropriate for your needs and unique financial situation.

Living on the Gulf Coast offers you numerous water-related activities and adventures. It is no surprise to us if this reason has driven you to buy your own fishing boat, speed boat, yacht or Jet Ski. If you need insurance for these personal investments, we can help you find the best one to fit for your needs.

Motorcycle

If you live in Florida, chances are we cover what you ride. We Insurance insures a full spectrum of motorcycles from street cycles, Harley Davidsons, cruisers and touring bikes and ATVs.

You May Qualify for Discounts

One of the great advantages of having your motorcycle coverage through a major insurance company that also has your auto insurance, is that you may save money by having more than one policy with us. You also may be able to save money on your premiums if your motorcycle is stored in a garage, if you belong to certain rider groups, or if you have taken a safe rider course sponsored by the Motorcycle Safety Foundation.

Call us today to discuss what coverage is best for you.

RV

Looking for affordable RV insurance for a new or used motor home?

 
Since motor homes contain items that cars don’t, RV insurance policies are often more complicated. A recreational vehicle functions as both your dwelling as well as your vehicle. That means the property inside the RV should also be covered. In fact, purchasing motor home insurance with broader coverage is always a good idea for owners who travel and live in their vehicle for extended periods. Unlike other motor vehicles, your RV may contain flat-screen TVs, clothing, computers, plumbing, electrical components, camping gear, bicycles, appliances and personal belongings. These items are not only subject to theft but can be damaged during an accident, fire or other disaster.

Like operators of more conventional motor vehicles, RV drivers are required by law to have a minimum amount of liability protection. RV liability insurance provides important coverage for you, your family and others when an accident is deemed your fault and damages and/or injuries must be paid. For frequent travelers, a liability policy should also include protection for incidences that occur in the vicinity of their RV, such as while the vehicle is parked at a campsite.

Classic Cars

Classic Car Insurance in Florida

 Sanctioning car clubs and automotive associations have differing dates of distinction for classifying a vehicle as a classic, historic, antique or vintage car. For vehicle registration and titling as a classic, most states require a vehicle to be at least 20 years old and conform to the manufacturer’s original standards. Once you’ve determined that your vehicle qualifies as a collector car, it’s time to shop for quotes. Classic car insurance is going to be determined by a number of variables such as how, when and where the vintage vehicle will be driven. Fortunately, we can write your classic car policy to specifically cater to the needs of today’s collector.

Value Basis Collector Car Insurance
Conventional auto insurance policies are not designed to protect antique and classic vehicles to their true value. The quality of restoration and cost replacement parts must be considered when selecting a classic car insurance policy. We can help you find vintage car insurance based upon an agreed value basis or with higher amount of repair protection. Carriers that offer this type of coverage may require that you limit the use of your classic vehicles for purposes such as car shows, parades or club events. Value basis collector car insurance policies can offer superior coverage by ensuring you are protected at the current cost of replacement.

If you are one of the many Americans who are a true antique car enthusiast and have taken an interest in owning or restoring historic vehicles, call or contact us today to discuss your specific needs for classic car insurance. Our experienced team will help you determine the best options for insuring your classic car.

Golf Cart

If you use your golf cart for more than just cruising down the fairways, it may be wise for you to invest into golf cart insurance. If you live in a retirement community or in large condo complex, a golf cart is the ultimate convenience.

 Our Florida golf cart insurance can protect your golf cart. As long as your golf cart is only used for personal reasons, our policy can provide coverage for injuries, property damage, collisions, cart accessories, roadside assistance, and cart transport by trailer.

Contact us today to get started, or simply fill out our free Florida golf cart insurance quote form!

Home

Florida Home Insurance
We know the importance of protecting your home, and those who live inside, with comprehensive Florida home insurance that’s why we are here to help you every step of the way!

We are committed to helping you navigate through this important policy decision based on your unique circumstances. In our effort to best serve you with the most appropriate coverage, it’s important that we take the time to fully understand your individual insurance needs.

We have the ability to shop multiple carriers resulting in the best possible Florida homeowners insurance at the most competitive rates and no matter where you are located across the state, we are here to help you protect your family, your home and your assets!

Typical coverage packages for Florida home insurance can include protection for the following:

*The physical structure of your home
*Replacement cost
*Personal possessions
*Additional living expense (in the event of covered loss or a natural disaster)
*Personal Liability

Debating the need for added protection? Need specialty coverage, for unique exposures within your typical Florida homeowners insurance policy? Don’t hesitate to ask one of our expert insurance agents about additional endorsements you can purchase to enhance your Florida home insurance plan! 

Further coverage options can include:

*Flood Insurance policies
*Umbrella Insurance policies (additional liability)
*Animal Liability (liability issues due to household pets)

We know what may work for one Florida homeowner, your neighbor or your cousin won’t necessarily work for you. We create custom insurance plans that reflect the distinct needs of you, your family and your home. We focus on getting our clients the best possible coverage for the best possible price with the best possible carrier.

Give us a call today, to learn more about our dependable Florida homeowners insurance policies. One of our insurance specialists would be happy to provide you with a complete coverage evaluation as well as offer you a free Florida home insurance quote!

Mortgage Protection

Mortgage Protection is life insurance which will issue payment to a beneficiary to pay off your mortgage in the event of a unexpected or untimely death. Term insurance products are affordable and provide a great level of protection for you and your family. Plus, the premiums remain the same over the life of the term. The primary reason a family would want to explore their mortgage protection options is to allow the family to continue on living in the home if the primary income provider dies.

There are several riders available for mortgage protection and term life products. A Return of Premium rider allows for repayment of premiums to the policyholder at the end of a term policy. Accelerated Death Benefit riders allows an early partial payment of the face amount of the policy if life expectancy is determined to be less than 12 months. Waiver of Premium riders allow for the payments of premiums and/or policy fees to be waived in the case of disability and in some cases unemployment. These are just a few of the riders available on the policies we offer. 

For more information, fill out an online quote request to be contacted by an agent. Having a Mortgage Protection policy in place above and beyond your existing life insurance will allow you and your family the peace of mind that comes with knowing that they will be able to stay in your home for years to come. Contact our life insurance specialist to learn more about the coverage you need for your family.

Renters

Florida Renters Insurance
We want to ensure that our clients are sufficiently covered in all aspects of their lives’ no matter where they live or what kind of car they drive. That’s why our team is committed to developing insurance strategies for our clients including Florida renters insurance.

Renters insurance acts as a homeowners insurance policy for those who rent their place of residence. Whether you live in a condo, apartment, house, duplex, etc., renters insurance in Florida can protect you and your assets. Having renter’s insurance can help devoid costs of damages should anything happen to a rental property that you are living in.
Do not assume your landlord’s homeowners insurance will cover you and your assets this is a common mistake that you can avoid! A landlord’s policy covers only the physical structure of the rental property, not your possessions. If the person who owns the building has dwelling insurance, they will be protected from costs to them should something happen to the building, but they are not responsible for covering your belongings.

Purchasing Affordable Rental Insurance in Florida
If you are a renter, it is important to have insurance coverage to protect your computer, clothes, TVs, furniture, electronics and other personal belongings. When you purchase renters insurance, take the time to compile a complete inventory with a photo log of the personal belongings you intend to be protected by the coverage such as:
*List Items by Brand/Make/Model/Year
*Note Which Room Each Item is Located
*Keep Receipts or Denote Purchase Price
*Establish a Replacement Value for Unique Items
*Include Appliances & Musical Instruments
*Keep Inventory List & Photos Offsite

Our expert insurance specialists are here to help you distinguish the risk exposures you face and ensure that you are prepared and protected.
Contact us today for more information and fill out our free Florida renters insurance quote form!

Condos

Florida Condo Insurance
Your condo needs insurance protection in Florida. Our experienced team ofagents will offer you the best condo insurance quotes and coverage and the best possible prices so you know you are protected. We offer a variety of condo insurance carriers and will locate the policy that is right for your Florida condo.
What type of insurance do I need for my condo?
If you have purchased a condominium and you have a mortgage, the bank will require insurance to protect its investment in your home. You may, however, need more insurance to cover your personal items, liability or fees that may be charged to you regarding shared areas of the building like the lobby. Even if you don’t have a mortgage you should carry insurance on your condominium to protect your property, your additions and alterations to your unit, for liability protection and from assessment from your association from losses not covered by their insurance.
Your own insurance policy.

Flood

According to the Federal Emergency Management Association (FEMA), flooding is the number one natural disaster in the United States. In Florida, the potential for flooding is higher than many other states due to the countless tropical storms and hurricanes our state receives each year.

 
In addition to floods caused by hurricanes and tropical storms, floods can also occur from rising river waters and heavy rain. Although it may not seem like much, just a few inches of water can cause serious damage to your home and possessions’ not to mention the repairs, which could end up costing thousands of dollars to fix or replace!
Since standard home insurance doesn’t cover flooding, it’s important to have protection from floods associated with hurricanes, tropical storms, heavy rains and other conditions that impact the U.S.

In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves. The NFIP offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP. Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding. Find out more about the NFIP and how it can help you protect yourself.

Flood Insurance Coverage
*Flood insurance protects two types of insurable property: building and contents. The first covers your building, the latter covers your possessions; neither covers the land they occupy.

*Building coverage includes
*The insured building and its foundation
*The electrical and plumbing system
*Central air conditioning equipment, furnaces, and water heaters
*Refrigerators, cooking stoves, and built-in appliances such as dishwashers
*Permanently installed carpeting over unfinished flooring

Contents coverage includes

*Clothing, furniture, and electronic equipment
Curtains
*Portable and window air conditioners
*Portable microwaves and dishwashers
*Carpeting that is not already included in property coverage
*Clothing washers and dryers

Give us a call today, to learn more about our dependable Florida flood insurance policies. One of our insurance specialists would be happy to provide you with a complete coverage evaluation as well as offer you a free Florida flood insurance quote!
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