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Insurance in Florida

Frequently Asked Questions

How long does it take to usually get a quote?

Depending on what type of insurance you are looking for this can vary from a few minutes to a few days.  For example, we can get an auto quote done with you right over the phone in minutes but due to the sheer number of homeowners insurance companies we work with a homeowners quote may have a 24-48 hour turn around. 

Can I pay Cash/Credit Card/Check?

This depends on the company and type of policy we are writing or taking a payment on.  Please call us before you come in with your form of payment so that we can verify you are good to do so.

Are your agents salaried or commissioned?

Out individual agents earn their income from salary and have no hidden incentives to sell you more than you want or need. 

Are you open on the weekends?

We are open on Saturdays, our two offices are open different hours which are listed below:
Cape Coral: Open Saturday 9 AM – 1 PM
Fort Myers: Open Saturday 11AM – 3 PM


What is “No-Fault” Insurance?

“No-Fault” Insurance can also be referred to as Personal Injury Protection, which is required in Florida.   Personal Injury Protection pays for your own medical bills, lost earnings, and certain other out-of-pocket damages that you sustain after an accident.  

What is “Full Coverage”?

“Full Coverage” is a term that many people use to refer to when they have physical damage coverage (Comprehensive and Collision).  However, “Full Coverage” is not an official coverage and you will not find it on your policy declaration page.  There are a great deal of people who are confused on what is included with full coverage as the term can be misleading.  If an agent is offering you “Full Coverage” insurance please be sure to review any policy they offer you coverage by coverage to ensure you are purchasing what you think you are.

Does a red car or 2 door sports car make my auto insurance more expensive?

A red car is no more expensive than a blue, green, or purple car.  This is a false myth that is very widely believed to be true.  While a sports car may cost you more money due to the vehicles specifications, a 2 door can definitely be more expensive to ensure than an equivalent 4 door model of the same vehicle. (Ex. A Honda Civic Coupe compared to a Honda Civic Sedan)

Why do I have to wait a certain period for flood insurance coverage?

Unless you have a lender requesting coverage (Mortgage Request) you typically have to wait 30 days before coverage you requested today will go into effect.  This is due to FEMA’s flood insurance guidelines.  However, some private companies have entered the market in recent years which may allow you to obtain coverage sooner.

Does my credit score effect my rate?

Depending on the company, your credit score can play a very large role on how much you pay for insurance.  Many auto and home insurance companies use this score, along with other factors, to determine your risk which they use to rate you accordingly. 

Does being a male/female effect my rate?

Yes!  The effect on your premium rate may vary depending on what type of insurance it is you are being quoted on but gender does make a difference to an extent.

If I own an older home will I pay more for insurance?

Yes, typically this holds true and as your house gets older companies may charge you more to insure it.

Can I cancel my policy early?

In some cases, yes.  This depends entirely on situation and what type of policy you are trying to cancel.  Some policies are guaranteed and cannot be cancelled until they expire or they may only be cancelled for certain reasons (Ex. You sold a vehicle or purchased a different auto insurance policy within first 60 days of new auto insurance policy. )

How do I file a claim?

You will need to get in touch with your insurance company to file a claim.  Please feel free to contact us regarding any claims so that we can provide you with your policy information and provide you with the correct number to call to file your claim.

What is an insurance deductible?

This is the amount you will pay after a claim before your insurance company pays out for the covered loss.  (Ex. If you have a $10,000 loss to your home and you have a $1,000 Hurricane Deductible, than assuming the loss was caused by a hurricane your company would pay our $9,000 of the covered loss.)

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