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.
Broaden Your Insurance Knowledge Below
Auto Insurance FAQs
How do I get a quote?
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.
What do I need to start a policy?
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!
Can you help with both personal and business insurance?
Absolutely. From cars and homes to commercial buildings and work trucks, we’ve got you covered.
What if I don’t know what kind of insurance I need?
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.
Can I text your office?
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.
When should I review my policy?
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.
Home Insurance FAQs
Is flood insurance included in my home policy?
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
How much home insurance do I really need?
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.
What does a standard home insurance policy cover?
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).
How do I save money on home insurance?
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.
Who is the cheapest homeowners insurance?
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.
What does a standard home insurance policy cover?
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).
Business Insurance FAQs
What types of business insurance do I really need?
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.
What’s the difference between personal and commercial auto insurance?
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.
Do I need business insurance if I’m a sole proprietor or run a home-based business?
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.
How much does business insurance cost?
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.
Can I bundle my business insurance for better savings?
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.
How often should I review my business insurance?
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.