Insurance FAQ.

An independent agency is appointed with many carriers instead of one. We shop your risk across those markets, compare coverage and price, and place the policy with the carrier that fits best. If that carrier raises rates or tightens eligibility later, we can move you without you starting over.

No. Carrier rates are filed with the Florida Office of Insurance Regulation, so the same policy costs the same whether you buy it direct or through us. Our compensation comes from the carrier, not an added fee.

We are licensed throughout Florida, with offices in Coral Springs, Deerfield Beach and Homestead. You can find office details and directions on our Locations page.

Yes. A coverage review is free and usually surfaces gaps, missing discounts or limits that no longer match the value of what you own.

For home, condo, flood and mobile home you can quote online in a few minutes. For auto, business, life, umbrella and specialty coverage, submit the quote form and a licensed advisor will shop multiple carriers and follow up.

The amount you pay out of pocket on a covered claim before the insurer pays. Higher deductibles lower your premium but increase what you absorb at claim time. Florida property policies usually carry two: a hurricane deductible expressed as a percentage of the dwelling limit, and a lower flat all-other-perils deductible.

Replacement cost pays what it costs to replace the item today. Actual cash value pays replacement cost minus depreciation. The gap is largest on roofs, older contents and vehicles.

It requires you to insure property to a stated percentage of its value. If your limit falls below that threshold, the insurer pays only a proportional share of a partial loss. It appears most often on commercial property policies.

An exclusion is a peril or situation the policy will not pay for — flood on a homeowners policy, wear and tear, intentional acts. Some exclusions can be bought back by endorsement; others require a separate policy.

Enough to protect your assets and future income, not just the state minimum. A practical approach is to raise home and auto liability to the carrier's higher limits and then add an umbrella policy over the top, which is usually the least expensive way to add protection.

Florida combines dense coastal development, hurricane and flood exposure, high rebuild costs and elevated claim and litigation activity. Reinsurance — the coverage carriers buy to fund catastrophe losses — is also priced higher for Florida risk, and that cost flows into premiums.

Generally no. Carriers place binding restrictions once a tropical storm or hurricane watch or warning is issued for the area, and NFIP flood policies typically carry a 30-day waiting period. Review coverage well before hurricane season, not during it.

It is an inspection documenting features that help a home resist wind: roof covering and deck attachment, roof-to-wall connections, roof shape, secondary water barrier and opening protection such as impact glass or shutters. Florida carriers are required to offer discounts for qualifying features, and the credits often exceed the cost of the inspection.

It is worth quoting. FEMA reports that flooding occurs outside mapped high-risk zones as well, and premiums in moderate- to low-risk areas are generally much lower. Flood is never covered by a homeowners policy. See our flood insurance page for details.

You will receive advance notice of nonrenewal under Florida law. Bring it to us as soon as it arrives so we can re-shop the market before the expiration date and avoid a lapse, which affects both eligibility and price.

Report the loss to your carrier as soon as it is safe to do so, document the damage with photos, and make reasonable temporary repairs to prevent further damage. Contact us and we will help you open the claim and follow it through. You can also start the process from our customer service page.

It can, depending on the type of claim, the amount paid and your prior history. For losses close to your deductible, it is worth discussing the tradeoff before you file.

Request it from our customer service page. Auto ID cards and evidence of property insurance are usually issued the same business day, and commercial certificates typically go out within hours once coverage is in force.

Send us the new lender's mortgagee clause and loan number through the customer service form and we will submit the endorsement to the carrier. Escrow-billed policies also need the new servicer notified so the premium is paid on time.

No. No coverage can be bound, amended or confirmed through digital communication. Every policy change requires confirmation from a licensed DTRT Insurance Group representative, and endorsements remain pending until our team confirms them.

Most premiums are paid directly to the carrier. Our payments page lists each carrier with its payment instructions and portal.