With a combined 45 years of personal lines experience you will be served by a team of dedicated, diligent agents who promote coverage not price with special attention to detail and the desire to educate our clients on their coverage’s and options for protection.
Serving all of Volusia county and nearby counties for over 30 years for home and auto.
We represent a number of different companies so we can search for the best policy and protection for you and your family. Our Agents can help you protect your home, auto, recreational vehicles, boats, rental properties, and anything else that falls under the personal lines umbrella.
Please click on the appropriate icon to fill out the proposal request form.
The cost of homeowners insurance in Florida can vary significantly based on several factors including geographic location, type of construction, the dwelling value, mitigation features and the amount of deductibles. Click on the icon to fill out the form to get your personalized proposal, and one of our agents will be in contact with you.
Your boat is not covered by your homeowners insurance in most cases. Many homeowners policies will have a minimal amount of coverage for really small boats with either no engine or a very small engine, like a sailboat, however, if you’re buying a $10,000 or more boat, your homeowners policy is not going to cover you for what you need.
Like auto insurance, boat coverage typically includes coverage for bodily injury that your boat inflicts on others, property damage your boat inflicts on docks and other boats, and physical damage to your boat should you hit something or run aground. You can also purchase comprehensive coverage against theft, vandalism, fire and flood, personal property coverage for your fishing gear, uninsured boater insurance and even roadside assistance in the event you need a tow.
While your landlord has homeowners insurance coverage for the physical dwelling, as a renter, you need insurance to cover your personal property, such as clothing, furniture or electronic equipment, in the event of loss from fire or theft or other perils.
Renter’s insurance will also help protect you if you are responsible for bodily injury or property damage to others, for example, if a visitor trips over a rug and breaks a leg. Please click the icon to fill out a proposal form.
If you own a motorcycle or moped and want―or need―to establish financial responsibility for it, you might be able to choose one of the following methods:
Purchase liability coverage from an insurance carrier licensed to do business in Florida. This is the most common way to establish financial responsibility for any vehicle.
Obtain a Financial Responsibility Certificate from the Bureau of Financial Responsibility after you:
Post a surety bond with a state-licensed company.
Deposit cash or securities with the Department of Highway Safety and Motor Vehicles (DHSMV).
Obtain a Self Insurance Certificate from the Bureau of Financial Responsibility after you provide evidence of possessing a net encumbered capital.
Financial Responsibility Law
You might want to use the state’s minimum liability coverage requirements for private passenger vehicles as outlined in the Financial Responsibility Law as guidelines:
- $10,000 for 1 person in bodily injury liability
- $20,000 for 2 or more people in bodily injury liability
- $10,000 per crash in property damage liability
(Information taken from DMV.org)
Do you have an RV? Do you need to insure it or would like to obtain a FREE proposal on insuring it? Please click on the icon to fill out the form.
Pet liability insurance used to be included automatically in your home insurance policy, whether you had a pet or not. This was especially convenient for people who bought their home insurance prior to ever thinking about getting a pet or purchasing pet insurance. More than 30 states hold the dog owner responsible for injuries or deaths that are caused by the dog, making pet liability insurance a financial necessity. Pet liability insurance can be purchased as an add-on to your home insurance policy to cover liability in the event your dog bites or attacks someone.
If you have any other questions regarding proper coverage, and types of coverage please contact us. We are here not only to help you protect your assets, but also educate you and help you understand and come to the conclusion on what is best for you and your family.