We are an Independent Insurance Agency serving our clients since 1992. We are leaders providing Homeowners and Flood Insurance in the State of Florida. We also represent Insurance Companies worldwide, which allow us to insure all kind of risks. There is not a risk too big or too small for us. Email or call us and a real person will take care of you.
We understand how stressful the buying or refinancing process is, that is why we make the insurance transaction as flawless and easy as possible for our customers Our personnel have more than 50 years combined experience in the business and they are all bilingual: English and Spanish. But you can write us in Portuguese and will be happy to assist you.
Check our or any company's record at Florida Department of State and Florida Department of Financial Services. We strive to offer the best customer service possible and to meet or exceed our customer's expectations and needs. Therefore, our representatives will personally walk you through the process of acquiring the insurance policy that best fits your needs.
We understand how stressful the buying or refinancing process is, that is why we make the insurance transaction as flawless and easy as possible for our customers Our personnel have more than 50 years combined experience in the business and they are all bilingual: English and Spanish. But you can write us in Portuguese and will be happy to assist you.
Check our or any company's record at Florida Department of State and Florida Department of Financial Services. We strive to offer the best customer service possible and to meet or exceed our customer's expectations and needs. Therefore, our representatives will personally walk you through the process of acquiring the insurance policy that best fits your needs.
Services
We can write a Homeowners and/or flood Insurance policy anywhere in the State of Florida within minutes; if you are buying or refinancing your home, allow us to write your homeowners policy (give us your mortgage broker or real estate agent information only) in order to close your financial transaction; the insurance premium can be collected at the time of closing.
If you are not going to live in an insured house, you should not purchase a homeowners policy; instead ask for a Dwelling Fire policy which will cost you less.
If you are not going to live in an insured house, you should not purchase a homeowners policy; instead ask for a Dwelling Fire policy which will cost you less.
Before buying a Commercial Auto Insurance Policy, you should first check if your Personal Auto Policy could cover your risk, especially if the business is own by one person.
You might be able to endorse your personal auto as a business used and pay a small difference in premium but not every company in Florida allow this type of endorsement, check with your agent.
Some other factors besides drivers Motor Vehicle Record (MVR) that determine the premium charge on a commercial auto policy are: "vehicle use" for example, mechanics, electrician, carpenters classified as "service use"; deliveries to businesses classified as "commercial use" and deliveries to residential (homes) classified as "retail use"; another factor is " radius of operation" or distance vehicle is driven: 50 miles radius is considered "local"; 51 to 200 miles considered "intermediate"; and interstate and out of State.
You might be able to endorse your personal auto as a business used and pay a small difference in premium but not every company in Florida allow this type of endorsement, check with your agent.
Some other factors besides drivers Motor Vehicle Record (MVR) that determine the premium charge on a commercial auto policy are: "vehicle use" for example, mechanics, electrician, carpenters classified as "service use"; deliveries to businesses classified as "commercial use" and deliveries to residential (homes) classified as "retail use"; another factor is " radius of operation" or distance vehicle is driven: 50 miles radius is considered "local"; 51 to 200 miles considered "intermediate"; and interstate and out of State.
The current market value of lost or damaged property at the time of a covered loss.
For example, a three-year-old car's value is based on similar three-year-old cars selling on a used car lot.
In a home insurance policy, actual cash value is the replacement cost of the property, less depreciation; the balance is reimbursed upon replacement of the property.
An insurance professional skilled in the analysis, evaluation and management of statistical information.
Evaluates insurance firm's reserves, determines rates and rating methods, and determines other business and financial risks.
For example, a three-year-old car's value is based on similar three-year-old cars selling on a used car lot.
In a home insurance policy, actual cash value is the replacement cost of the property, less depreciation; the balance is reimbursed upon replacement of the property.
An insurance professional skilled in the analysis, evaluation and management of statistical information.
Evaluates insurance firm's reserves, determines rates and rating methods, and determines other business and financial risks.
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