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Why Chose Us?Every insurance agency is going to speak to their outstanding service. But, what do their customers have to say? We have a 5 star Google rating! How have we earned this rating? It's simple...We return all calls received before 5pm same day and those after 5pm first thing the next business day. We deliver quotes within 1 business day. But the most important reason is we spend time with our customers explaining what they are buying and answering questions.
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Client Testimonials
"My house insurance was to expire and renew with just one day remaining. I called Teal and they 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. Teal resolved the issue and my new insurance policy was approved with a savings of $1,100."
Mel F. |
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Personalize Coverage
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Dwelling CoverageDid you know that the home insurance dwelling coverage limit is the most an insurance company will pay to rebuild your home? If your limit is below what is needed you'll have to come out of pocket for the difference! When trying to lower the cost of your home insurance, this is not one of the limits you want to skimp on. Insuring to 100% of the estimated reconstruction cost is the best choice.
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Contents CoverageIn the event of a covered loss, you want to be sure your personal possessions are replaced. That said, you don't want to over insure which can cost you hundreds of dollars per year. However, you don't want to under insure either. We will work with you to find the right limit and coverage options to make sure your annual premium savings is maximized while insuring your personal belongs are replaced in the event of a covered cause of loss.
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Personal LiabilityThe home insurance personal liability limit is the amount the insurance company will pay for legal defense costs and the financial judgement should you be found legally liable. This is another coverage area where there are options that can add to or subtract from the annual cost of your homeowners insurance. We will walk you through the things you should consider when selecting the coverage limit best for you.
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Flood CoverageEvery home is in a flood zone that range from low risk to high risk. However, home insurance does not cover losses resulting from flood damage. Even if you are in a condo, storm surge can cause damage to your unit. We provide a flood insurance quote to all of our clients and we recommend homeowners add this coverage. It's not something you have to purchase, but we believe it's an important coverage you should consider.
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Financial Stability Rating
There have been multiple insurance companies go out of business in Florida the past 3 years. We only work with A rated insurance companies that are approved by Fredie Mac and Fannie Mae. Demotech provides the financial stability rating for most of the insurance companies doing business in Florida. We recommend you confirm for yourself the financial stability rating of any insurance company you are considering placing coverage with. Just click on the buttom below to go directly to Demotech's site.
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Expectations?Do you look at reviews before you select go to a restaurant, select an auto mechanic, choose a doctor or other professional service? We recommend you do the same when selecting the insurance agent you will work with. Click the button below to see what our customers say about us on Google.
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