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About Our Agency
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Over the past 25 years I have served in leadership roles with companies like Travelers, Safeco, The Hartford, Kemper and Atlantic Mutual. I left corporate life to start my own agency that specializes in Florida personal and commercial property. Our objective is not to be one of the large generalist agencies, but rather a small consultative group of specialists. This way we can devote more time to working with our clients.
Take a look at our Google reviews, they tell the real story of what you can expect when you select me as your property insurance agent. Tony Prete, Owner & Managing Agent |
Client Testimonials
"My house insurance was to expire and renew with just one day remaining. I called Tony and he worked with me and answered all my questions and ended up offering me a new policy and saved me over $1,200."
Rayan A. |
"Very Honest!, extremely knowledgeable and professional. He answered all of my questions. Believe me he knows the insurance business."
Joseph C. |
"A problem came up with my former insurance company when I owned my home in NY. Tony resolved the issue and my new insurance policy was approved with a savings of $1,100."
Mel F. |
We're proud to represent A Rated insurance carriers like:
July, 2022
Last week Demotech, the primary financial stability rating company for Florida homeowner insurance companies, sent letters to 27 insurance companies notifying them they would be loosing their A rating and would be downgraded to either S or M. This is significant because most mortgage companies require an A rating. So, this would require home insureds with these companies to find new coverage or face being force placed by their mortgage provided. If 27 companies were downgraded it would impact hundreds of thousands of home insurance policies across the state.
The Florida Office of Insurance Regulation quickly challenged Demotech's intended downgrades. On Monday Demotech postponed the downgrades to give additional time for review. That doesn't mean companies will not be downgraded, only that there is a pause while additional information is considered.
We'll keep you updated as the situation continues to develop.
July, 2022
Yet another Florida home insurance is facing difficulties. United Property and Casualty has announced they are looking to sell or merge with another company. United Property and Casualty stopped writing new policies earlier in 2002 and has approximately 180,000 policy holders.
June, 2022
Homeowners are finding it increasingly difficult to find affordable home insurance in southeast and central Florida. Many companies have simply stopped offering new policies and others have put restrictions in place that include only offering coverage for newer homes. If you've had a water claim in the past five years it's likely your only choice will be Citizens Insurance which is considered the insurer of last resort and offers lower coverage limits than available in the retail market. The Florida Legislature recently passed additional insurance reforms, but even the legislature agreed these reforms will not provide relief until sometime Q2 2023. In the mean time, homeowners will face additional premium increases in 2022 and in some cases cancellation of their policy. We still have a few companies open for new business, so if you need help please give us a call at (954) 678-2658 or email me directly at tony@justasktim.com.
June, 2022
In June we've had 3 more insurance companies go down; Mason, Federated National Insurance Company, and Southern Fidelity. This makes a total of 6 since February of this year. Additionally, many of the Florida Insurance companies have chosen to stop writing business in Florida with most now not writing new business in Miami-Dade, Broward, Palm Beach, Orange, Seminole, Osceola and Lake counties. Now more than ever you need a solid independent agent to help you find coverage at a price you can afford.
June, 2022
The Florida Senate passed two bills during their special session, SB-2D and SB-4D and the governor signed both into law. Click HERE for highlights.
May, 2022
Lighthouse Property Insurance Corporation was forced into liquidation and all policy holders will receive a cancellation notice stating they no longer have coverage after May 28th, 2022. If you are currently insured through Lighthouse Property Insurance you should contact your agent immediately.
April, 2022
Governor Ron DeSantis issued a proclamation, calling for a special session to consider legislation related to property insurance, reinsurance, and changes to the Florida Building Code to improve the affordability of property insurance in Florida. The Legislature will convene a special session on May 23rd, 2022 and end no later than May 27th, 2022. You can read the full proclamation by clicking HERE.
Last week Demotech, the primary financial stability rating company for Florida homeowner insurance companies, sent letters to 27 insurance companies notifying them they would be loosing their A rating and would be downgraded to either S or M. This is significant because most mortgage companies require an A rating. So, this would require home insureds with these companies to find new coverage or face being force placed by their mortgage provided. If 27 companies were downgraded it would impact hundreds of thousands of home insurance policies across the state.
The Florida Office of Insurance Regulation quickly challenged Demotech's intended downgrades. On Monday Demotech postponed the downgrades to give additional time for review. That doesn't mean companies will not be downgraded, only that there is a pause while additional information is considered.
We'll keep you updated as the situation continues to develop.
July, 2022
Yet another Florida home insurance is facing difficulties. United Property and Casualty has announced they are looking to sell or merge with another company. United Property and Casualty stopped writing new policies earlier in 2002 and has approximately 180,000 policy holders.
June, 2022
Homeowners are finding it increasingly difficult to find affordable home insurance in southeast and central Florida. Many companies have simply stopped offering new policies and others have put restrictions in place that include only offering coverage for newer homes. If you've had a water claim in the past five years it's likely your only choice will be Citizens Insurance which is considered the insurer of last resort and offers lower coverage limits than available in the retail market. The Florida Legislature recently passed additional insurance reforms, but even the legislature agreed these reforms will not provide relief until sometime Q2 2023. In the mean time, homeowners will face additional premium increases in 2022 and in some cases cancellation of their policy. We still have a few companies open for new business, so if you need help please give us a call at (954) 678-2658 or email me directly at tony@justasktim.com.
June, 2022
In June we've had 3 more insurance companies go down; Mason, Federated National Insurance Company, and Southern Fidelity. This makes a total of 6 since February of this year. Additionally, many of the Florida Insurance companies have chosen to stop writing business in Florida with most now not writing new business in Miami-Dade, Broward, Palm Beach, Orange, Seminole, Osceola and Lake counties. Now more than ever you need a solid independent agent to help you find coverage at a price you can afford.
June, 2022
The Florida Senate passed two bills during their special session, SB-2D and SB-4D and the governor signed both into law. Click HERE for highlights.
May, 2022
Lighthouse Property Insurance Corporation was forced into liquidation and all policy holders will receive a cancellation notice stating they no longer have coverage after May 28th, 2022. If you are currently insured through Lighthouse Property Insurance you should contact your agent immediately.
April, 2022
Governor Ron DeSantis issued a proclamation, calling for a special session to consider legislation related to property insurance, reinsurance, and changes to the Florida Building Code to improve the affordability of property insurance in Florida. The Legislature will convene a special session on May 23rd, 2022 and end no later than May 27th, 2022. You can read the full proclamation by clicking HERE.