FAQ
Frequently asked questions about insurance!
Frequently Asked Questions
We know insurance can feel overwhelming — but it doesn’t have to be. Our goal is to simplify the process, answer your questions honestly, and help you feel confident every step of the way. Below are answers to some of the most common questions we get from clients across Florida, Maryland, and Virginia.
We offer a wide range of personal and commercial insurance products including homeowners, flood, auto, commercial auto, specialty “toy” insurance (like boats, ATVs, RVs), and pet insurance. Whether you're a homeowner, a business owner, or an outdoor enthusiast, we’ve got you covered.
Yes! Many properties in Florida experience flooding even outside designated zones. Flooding can happen due to heavy rainfall, hurricanes, or drainage backups — and standard homeowners policies don’t cover flood damage. We’ll help assess your risk and find an affordable flood policy if needed.
As an independent agency, we’re not tied to one insurer. Instead, we work with 10+ top-rated carriers, comparing options to find you the best coverage and pricing. This gives you more flexibility, better value, and truly personalized service.
Yes! While we’re based in Cape Coral, FL, we’re licensed to serve clients in Maryland and Virginia as well. No matter where you live, we provide the same warm, transparent guidance to help you make informed insurance decisions.
Absolutely. One of our core values is education without pressure. We take the time to walk you through your coverage — what’s included, what’s not, and what your options are — so you feel confident and informed.
Just give us a call or use our contact form to request a free, no-obligation quote. We’ll ask a few questions to understand your needs, compare policies from multiple carriers, and guide you through your best options.
Yes, many of the carriers we work with offer discounts when you bundle policies, like home and auto or auto and specialty coverage. We’ll look at all available savings and help you bundle smartly.
No — and that’s exactly what makes us different. We’re a small, family-run agency, just myself and my husband. That means you get personal, friendly service every time — not a call center or cookie-cutter advice.
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