April 29, 2025
AgencyThe Role of Credit Scores in Determining Auto Insurance Rates
Credit-based insurance scores are derived from traditional credit scores but are tailored to the insurance industry. These scores are calculated using factors such as payment history, outstanding debt, length of credit history, types of credit used and recent credit inquiries. Insurers use these scores to predict the likelihood of a policyholder filing a claim. The […]
March 25, 2025
AgencyAuto Insurance for Hurricanes and Natural Disasters in Florida
Living in Florida means enjoying beautiful landscapes but also facing natural disasters. Hurricanes, floods and severe storms are common in the area and can cause significant damage to vehicles. That’s why understanding how auto insurance protects you during these events is essential. Comprehensive Coverage: Your Response to Natural Disaster Damage Comprehensive auto insurance is essential […]
February 20, 2025
AgencyHow to Lower Your Auto Insurance Premiums in Florida
Auto insurance premiums can be a significant expense for Florida residents, but there are several strategies you can use to reduce your costs. Improve Your Driving Record Maintaining a clean driving record is one of the most effective ways to lower your auto insurance premiums. Insurance companies assess risk based on your driving history, and […]
December 23, 2024
AgencyDo Home Insurance Policies in Florida Include Flood Insurance?
Home insurance policies in Florida are essential for protecting your property against various risks, but it’s important to understand what these policies typically cover. One common misconception is that standard home insurance policies automatically include flood insurance. Most standard home insurance policies do not cover flood damage. This exclusion can be particularly concerning for Florida […]
November 23, 2024
AgencyBenefits of Working with an Independent Insurance Agent for Your Home Insurance Needs
Finding the right home insurance policy can be challenging. Partnering with an independent insurance agent can simplify the insurance buying process. Unlike captive agents representing just one insurer, independent agents compare various policies and coverage options from several providers, helping you find the best coverage at the best price. Consider the following advantages of working […]
June 24, 2024
AgencyThat “Free” Windshield Could Cost You Big Money
A rock flies up from the highway and hits your windshield, chipping it. You’ve heard that if you have full coverage auto insurance, you can get your windshield repaired or replaced for free. Is this true? And if so, are there any drawbacks? Florida is one of a few states in which windshield repair or […]
June 10, 2024
AgencyNew Florida Residents—Get Ready for Hurricane Season
With an estimated one million people moving to Florida between 2020 and 2023, it’s likely that many new residents are facing their first hurricane season. Even those who have lived here for a couple of years may be a little rusty on hurricane prep since in 2023, Florida was only hit by one hurricane. There’s […]
May 27, 2024
AgencyHomeowners Insurance Renewing? Make Sure You Do This One Thing
If you have homeowners insurance in Florida, you know how hard it is to find a policy you can afford with the coverage you need. You might think you’re home free once you do—and then it’s time to renew your policy. Hopefully, you’ll receive a renewal offer from your current homeowners insurance company. The first […]
May 6, 2024
AgencyWhat You Don’t Know About Flood Damage Could Hurt You
Since we’re just coming out of Florida’s dry season, Bradenton and Sarasota homeowners are probably not thinking about the dangers of flooding—and that could be a big mistake. According to Floridadiaster.org, “Flooding is the most common and damaging natural disaster in the country.” And Florida’s geography and proximity to water make it especially vulnerable to […]
May 1, 2024
AgencyWhy You Should Work With an Independent Insurance Agency
Sometimes, you might see advertisements for cheap auto insurance that offers fast, easy enrollment online without the hassle of talking to a pushy salesperson. This might sound like it’s a simple, practical way to get the auto insurance you need as efficiently as possible. However, is it really a wise step to take? Should you […]