Frequently Asked Questions

In Florida, state law requires a minimum of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). However, we recommend additional coverages such as uninsured motorist insurance, collision, and comprehensive coverage to better protect your vehicle.

• Collision Insurance: Covers damage to your car from an accident, regardless of fault.
• Comprehensive Insurance: Covers non-accident-related damage such as theft, vandalism, floods, or falling objects.

Yes! Florida has a high number of uninsured drivers, and uninsured motorist coverage helps cover medical expenses and damages if you’re hit by someone without insurance.

Roadside assistance insurance provides help if your car breaks down, runs out of gas, has a flat tire, or needs towing. If you travel frequently, having this coverage in Sanford can be a lifesaver!

If your car is in the shop after an accident, rental reimbursement coverage pays for a rental car. This coverage is especially useful if your insurance claim takes time to process.

Standard homeowners insurance covers:

✔ Your home’s structure (dwelling coverage)

✔ Personal belongings (furniture, electronics, valuables)

✔ Liability protection (lawsuits, accidents on your property)

✔ Additional living expenses (if your home is uninhabitable)

No, flood and earthquake coverage are NOT included in standard homeowners policies. If you live in an area prone to flooding or seismic activity, we recommend adding separate coverage.

Umbrella insurance provides extra liability protection beyond your homeowners and auto insurance limits. It’s especially useful if you have significant assets, a swimming pool, or frequently host guests.

✔ Install security systems & smoke detectors

✔ Maintain good credit

✔ Bundle home & auto insurance

✔ Choose a higher deductible

Renters insurance protects your personal belongings against theft, fire, and water damage. It also provides liability coverage if someone is injured in your rental unit.

Renters insurance doesn’t cover structural damage to the building (your landlord’s policy does). It also excludes flood damage unless you add separate flood coverage.

To determine your coverage amount, calculate the total value of your belongings, including furniture, clothing, electronics, and jewelry.

• Term Life Insurance: Covers you for a set period (10, 20, or 30 years). It’s affordable and great for families.
• Whole Life Insurance: Covers you for life and builds cash value over time. It’s more expensive but provides long-term benefits.

✔ Flexible premiums & coverage amounts

✔ Cash value growth (earn interest over time)

✔ Ideal for estate planning

A good rule of thumb is 10-12 times your annual income to ensure your family is financially secure in case of unexpected loss.

We offer:

✔ Individual & family health plans

✔ Short-term health insurance

✔ Sanford employer health coverage options (for businesses)

Yes! Dental & vision insurance can be added to your plan to cover exams, cleanings, and prescription glasses or contacts.

Consider:

✔ Your budget and monthly premium costs

✔ Deductibles & out-of-pocket expenses

✔ Doctor & hospital networks

✔ Bodily injury claims

✔ Property damage lawsuits

✔ Advertising & copyright infringement

If you own a business location, office, or warehouse, commercial property insurance protects your building, equipment, and inventory from damage or theft.

Yes! If you have employees, workers’ comp is required and covers:

✔ Medical bills for work injuries

✔ Lost wages for injured employees

If you provide legal, financial, or consulting services, this coverage protects against negligence claims and lawsuits.