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.
Call the office at 239-744-6649 or request a quote online. We know you are busy so we do our best to make it easy for you!
Purchasing insurance using an agent can make a huge difference and make the entire process easier. The policyholder can receive more personal service. Moreover, direct contact with an agent can be vital and absolutely necessary when filing a claim. A local, independent agent is able to deliver quality insurance with competitive pricing and local personalized service.
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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:
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 single people.
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 the apartment complex owner, there are benefits to the renter as well. We recommend that you purchase renters insurance regardless of what your landlord requires.
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.