Frequently Asked Questions
We know first hand that insurance can be confusing. This is why we've created an easy-to-read library of answers to commonly asked questions.
Contact us by phone, text, or get an instant quote. . We’ll ask a few quick questions and shop around to find you the best coverage and rate.
Usually just your driver’s license, current insurance info (if you have it), and basic details about what you need to insure. Don’t worry — we’ll walk you through it!
Absolutely. From cars and homes to commercial buildings and work trucks, we’ve got you covered.
That’s what we’re here for! We’ll ask the right questions, explain everything in plain English, and help you find what fits best.
Yes! You can text us at (904) 388-6446 — it’s fast, easy, and we’ll respond just like we would to a phone call.
We recommend checking in once a year — or anytime something changes (new car, new home, new drivers, etc.). We’ll even help you compare to make sure you’re still getting the best deal.
Nope — flood insurance is a separate policy. If you live in Florida, we strongly recommend it (even if you’re not in a flood zone). We’ll help you understand the risks and options. Get a fast free quote now Instant Flood Insurance Quote
Enough to rebuild your home from the ground up — not just what you paid for it. We’ll help you calculate the right amount based on current construction costs, your home's features, and any updates you’ve made.
Most policies cover your home’s structure, personal belongings, liability protection, and additional living expenses if you're temporarily displaced due to a covered loss (like a fire or storm).
Start by getting a free quote. Instant Home Insurance Quote You can call, text or stop by for a free home quote. Our team is ready to help. We are homeowners too.
We shop up to 20 insurance companies. This means you don't need to make 20 phone calls! We are a local insurance agent, and we recommend that you avoid buying home insurance on the internet. Call us so we can shop it for you with a local insurance company to have accountability when you need it the most.
Most policies cover your home’s structure, personal belongings, liability protection, and additional living expenses if you're temporarily displaced due to a covered loss (like a fire or storm).
It depends on your business type, size, and risk — but most need General Liability, Commercial Property, and Workers’ Comp if you have employees. If you drive for business, Commercial Auto is a must. We’ll help you build a custom plan that fits your business and your budget.
If you're using your vehicle for business — deliveries, transporting tools, meeting clients — personal auto insurance won’t cover you in a claim. You need Commercial Auto Insurance to stay protected. We’ll make sure you’re covered the right way.
Yes! Even small businesses face big risks. One client slip-and-fall, one lost laptop, or one missed contract can turn costly. A basic policy is affordable and protects your hard work.
Costs vary based on your industry, size, location, and coverage needs. We shop top carriers to find you the best value — no one-size-fits-all pricing here. We’ll help you find smart protection without overpaying.
Absolutely. Bundling policies like General Liability, Property, and Business Interruption into a Business Owner’s Policy (BOP) can save money and simplify your coverage. We’ll review your options and show you where to save.
At least once a year — or anytime your business grows, changes locations, hires staff, or adds new equipment or services. We make policy checkups quick and painless so you stay protected and current.