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Insurance 101

BEWARE of Cheap Home Insurance

Beware of Cheap Premiums – Too Good to be True! This month, we are sharing coverage education, insight into industry trends and expectations, and explaining that cheaper is not always better when it comes to home insurance. While the information we share may seem alarming, we want you to know we are 100% in the […]

Happy 20th Anniversary

Happy 20th Anniversary!

A lot can happen in 20 years… 2002 feels both like it was just yesterday and also a lifetime ago. To give you a better sense of that, here are some things that happened in 2002: The first Spider-Man film staring Tobey Maguire was released in theaters. Lilo & Stitch made its debut. Kelly Clarkson […]

family in front of their home

Insurance St. Johns, Florida

    Insurance Coverage in St. Johns is Unique The 32259 area code as well as all of St Johns County is one of the fastest growing areas in Florida. In fact, it’s grown by over 22% since the year 2000. Many parts of this area are expected to grow even more in the years […]

Life Insurance under a magnifying glass

How I Work With Clients on Life and Long Term Care Insurance

By: Benny Smith My clients work with me because they worry about how the financial risks caused by death, disability, taxes, retirement, and the costs of long term care will affect their families, business, investments, and other assets. We complete a comprehensive needs analysis with each client to determine his or her financial objectives and […]

Protect What Matters Most Life Insurance Illustration

5 Reasons To Consider Life Insurance

Guaranteed protection. If you have family or others that depend on you, life insurance is a safety net. Pay Final Expenses. Funerals and burials can easily be tens of thousands of dollars. Without life insurance, this can pose a financial burden on those already suffering emotionally from the death of a loved one. Pay Off […]

Liability Limits and Deductibles chart

Liability Limits and Deductibles

Each state has it’s own minimum liability limit requirements for Bodily Injury and Property Damage. While many drivers think they are saving by carrying only the state minimum limits (which we highly recommend against), raising your limits could actually help make sure you are getting the best rates! By carrying higher liability limits, you are […]

home maintenance

Escrow Analysis, Home Insurance, & Home Maintenance – Oh My!

It’s that time of year again – the annual escrow analysis! Most lenders complete an escrow analysis once a year, typically near the end of year to ensure enough funds are being collected for upcoming home insurance premiums and property taxes. We usually see an influx of requests to shop insurance policies due to the […]

client insurance agent diagram

What is the Role of an Insurance Agent?

As your agent, our primary goal is to learn your specific insurance needs, and help guide you to the right policy. We help facilitate the connection with your insurance carrier. We will usually be your first point of contact. Not only do we quote insurance, we will continue to service your policy. It doesn’t just […]

home insurance costs

Why Home Insurance Premiums are Rising in Florida

Cause and Effect As the saying goes – for every action, there is an equal and opposite reaction. One of the most popular questions we get is: Why? Why: is my premium so high? am I being non-renewed/cancelled? did my renewal increase so much? So, how did we get here? What are the causes behind […]

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