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Services Offered

home-insurance

Home Insurance

Our experts will help you comfortably cover your home-sweet-home.

personal-auto

Auto Insurance

Comprehensive, collision, liability—whatever your vehicle needs, we’ll make sure you get it.

Renters Insurance

You’re a tenant that wants to protect your belongings? we’ve got you (and them) covered.

Auto and Home

Get the best coverage quote to protect both your auto and home.

Personal Umbrella

Get coverage that is best for your needs.

general-liability

General Liability

Protect your business with the best general liability insurance.

Business Owners Policy

Get coverage that is targeted to your business requirements.

Commercial Trucking

Get your trucking coverage from our team of transportation experts.

Commercial Property

Protect your business with the best commercial property insurance.

Commercial Umbrella

Protect your business with best commercial umbrella insurance.

About Me

Hello, my name is Darby McElravy. I am independent insurance agent located in Sunny Southwest Florida. I became an insurance agent because I wanted to help people navigate tricky policies and offer the best solutions for all their insurance needs. With over 5 years of experience. I pride myself on providing a variety of property and casualty products and services that can help protect your personal assets or your business along with giving you peace of mind. It is my goal to help my clients understand what insurance policies make sense for their unique situation. When I’m not working, I enjoy spending time with family and friends, traveling, outdoor activities and volunteering for Best Buddies.

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What Others have to say about Me...

Brian & Cindy Bartholomew

My wife Cindy and I met with Darby, and found her to be extremely prepared, patient and friendly. More importantly, she was able to find us Flood, Home, Auto and Umbrella policies that were not only a better price than we have been paying, but more importantly, better coverage! And now we have an actual agent we can talk to and trust if issues arise. Highly recommended!!!”

J.C.

My wife and I are new to South West Florida. We were in need of home owners insurance for our new home. A friend had advised us to talk I had the pleasure of working with Darby. She made the experience fast, and easy. The rates were surprisingly affordable and the overall service was great.”

Rick Weldon

Darby McElravy has been wonderful to work with. She was able to get us better coverage for our auto, home, and flood insurance. I strongly recommend Darby and this agency for your insurance needs!”

Charnell Weathers

Darby has gone above and beyond to provide excellent customer support. I highly recommend Darby to help take care of all your insurance needs.”

David Collins Oliver

I have been so impressed by Darby McElravy. When asking about quotes for homeowner's insurance, she was responsive within an hour! Her explanation was so easy to understand. Amazing service.”

Frequently asked questions

  • How can I get a quote or meet with someone to review my current insurance policies?

    Call the office or request a quote online. We know you are busy so we do our best to make it easy for you!

  • What are the advantages to using an agent to purchase insurance?

    By using an agent to purchase insurance, the policyholder receives more personal service. An agent with whom there is direct contact can be vital when purchasing a product and absolutely necessary when filing a claim. A local, independent agent is able to deliver quality insurance with competitive pricing and local personalized service.

  • Do I need to wait until my current policy term is up to switch to your office?

    No, if it is in your best interest to switch to one of our Top “A” rated companies we will take care of everything for you so you don’t have to wait any longer to start saving money.

  • What factors should I consider when purchasing homeowners insurance?

    There are a number of factors you should consider when purchasing any product or service, and insurance is no different. Here is a checklist of things you should consider when you purchase homeowners insurance:

    – Determine the amount and type of insurance that you need. The coverage limit of your house should equal 100% of its replacement cost. If your policy limit is less than 80% of the replacement cost of your home, any payment from your insurance company will be less than the full cost to replace your home – you’ll have to pay the rest out of your own pocket. Also, decide if the personal property and personal liability limits are adequate for your needs.

    – Determine which, if any, additional endorsements you want to add to your policy. For example, do you want the personal property replacement cost endorsement, an earthquake endorsement or a jewelry endorsement?

    – Once you have decided on the coverage you want in your homeowners insurance policy, consult us. We will be able to help you determine if there are any gaps in coverage you might not have been aware of, explain the details of the policy’s exclusions and limitations as well as recommend an insurance company that will live up to your expectations.

  • What factors can affect the cost of my automobile insurance?

    A number of factors can affect the cost of your automobile insurance – some of which you can control and some that are beyond your control. The type of car you drive, the purpose the car serves, your driving record, and where the car is garaged can all affect how much your automobile insurance will cost you. Even your marital status can affect your cost of insurance. Statistics show that married people tend to have fewer and less costly accidents than do single people.

  • Why do some apartment complexes require tenants to have renters insurance?

    Owners of apartment complexes buy insurance policies for their liability and to cover their buildings and personal property. However, these policies do not cover any of the tenant’s property or liability. By requiring their tenants to have renters insurance, the apartment owner is assured that the tenants will not mistakenly believe the apartment complex owner’s policy will provide coverage for a tenant’s property or personal liability. Although this type of requirement benefits that apartment complex owner, there are benefits to the renter as well. We recommend that you purchase renters insurance regardless of what your landlord requires.

  • How do I know if I need a personal umbrella liability policy?

    It used to be that the only people who needed personal umbrella liability policies were wealthy individuals who had sizable amounts of personal assets that would be at risk in a lawsuit. However, in our very litigious society, even individuals with modest incomes and assets are often subjects of large lawsuits. Since they are even less able than a wealthy individual to pay large damage awards, they recognize the need to have coverage limits greater than what can be obtained from their homeowner or auto policies.