We are dedicated to helping our clients find the proper policy or policies that will fit their individual needs.
As a Southwest Florida native, Roxane knows what to recommend to keep you properly protected. Every client is treated like a member of our family. We practice being genuine, honest, and trustworthy.
Insurance is as unique as your fingerprint…no two are the same. If we compared both policies, homes, and policy owners, then we will find many small differences that add up.
Many carriers offer a 3-year accident-free discount which can decrease the policy, but it will never be the same as it was before the accident. The reason for this is the ever-increasing costs of parts, labor, and the high number of liability claims. These factors can cause a carrier to take a rate increase that affects not just your policy, but everyone who is with that particular carrier. This is why it’s wise to review and/or shop your policy at least every three years.
It takes several years before we can begin to feel the effects of a single storm. We won’t feel the effects of Hurricane Ian (2022) until about 2025. The reason being is because it will take that long to get through and settle. Any Hurricane claim filed is considered an “Act of God” and not surcharged by carriers. A natural disaster or “Act of God” ultimately means the carrier will need to raise the rates of all insured’s. The bigger the disaster, the bigger the increase in premium.