Frequently Asked Questions

Yes. If you own a vehicle with at least four wheels and are registering it in Florida, you must have insurance. Florida's minimum coverage is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL) as long as you have a valid Florida tag.

PIP coverage compensates for losses due to injury regardless of who caused the crash. It applies to bodily injury to you, relatives in your home, and passengers, as well as licensed drivers operating your vehicle with permission. PIP also protects you if injured as a pedestrian or bicyclist in a motor vehicle accident.

Bodily Injury Liability coverage pays for serious and permanent injury or death to others when you cause an automobile accident. Your insurance company pays for injuries up to your policy limits and provides legal representation if you are sued.

Property Damage Liability coverage pays for damages you or family members cause to other people's property in a motor vehicle crash. This is one of the minimum required coverages in Florida.

No. The minimum required insurance must be issued through a Florida agent with an insurance company licensed to provide coverage in the state of Florida. Contact us and we will help you transition to a Florida policy quickly and affordably.

An SR-22 and an FR-44 are not insurance policies — they are certificates your insurance company files with the state to prove you carry the required coverage. They are typically required after certain driving convictions, and an FR-44 carries higher liability requirements than an SR-22. Which one applies to you depends on your specific case. See our SR-22 / FR-44 insurance page or call us and we will tell you exactly what your case requires.

No. Standard homeowners, condo and renters policies in Florida exclude flood damage. Flood is a separate policy, written either through the National Flood Insurance Program or through a private flood carrier. See our flood insurance page, or read flood vs. homeowners insurance for a side-by-side comparison.

Most Florida property policies carry a separate hurricane deductible that is calculated as a percentage of your dwelling coverage rather than a flat dollar amount, and it applies when a named storm causes the damage. On a higher-value home the difference between a 2% and a 5% deductible can be substantial. Our hurricane deductible calculator shows what you would actually pay out of pocket.

A wind mitigation inspection documents the features of your home that help it resist wind damage — roof shape, roof-to-wall attachments, opening protection and similar. Carriers commonly offer credits for qualifying features, so the inspection often pays for itself. See our guide to wind mitigation inspections in Florida.

A 4-point inspection reviews the four systems carriers care most about on an older home: roof, electrical, plumbing and HVAC. Many Florida carriers require one before they will write or renew a policy on a home past a certain age. See our guide to the Florida 4-point inspection.

Forced-placed (or lender-placed) insurance is a policy your mortgage company buys on your behalf when it has no proof of your own coverage. It is usually far more expensive than a policy you arrange yourself and it protects the lender, not you. If you are in one, we can almost always replace it — see our forced placed insurance page.

It depends on your industry and how many people you employ — construction businesses hit the requirement at a much lower employee count than most other industries, and the rules treat contractors, subcontractors and corporate officers differently. Rather than guess, call us with your business type and headcount and we will tell you where you stand. See our workers compensation page.

Yes. Certificates of insurance are handled in-house, and for existing clients we can usually turn a standard COI around the same business day. If a job or landlord requires specific additional-insured or waiver-of-subrogation wording, send us the contract language and we will make sure the policy supports it.

Yes. We handle commercial trucking accounts including DOT filings, and we write box trucks, tractor trailers, dump trucks, tow trucks and for-hire transportation. See commercial trucking & DOT filings.

Nothing. Quotes are completely free and there is no obligation. We are an independent agency, so we shop your risk across the carriers we represent and bring you back the options — you decide whether to move.

We are an independent agency representing a broad panel of highly-rated national and Florida carriers. You can see the current list on our carriers page.

To file a claim, please call our office at 954-966-1860 or visit us at 1831 North 66th Avenue, Hollywood, FL 33024. Our team will guide you through the claims process and help you get back on track as quickly as possible. See our claims page for what to have ready.