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The state of Florida requires every automobile to have a minimum of $10,000 Personal injury Protection (PIP) and $10,000 of Property Damage liability (PD).

PIP covers you in an accident regardless of fault. PIP Pays 80% of medical expenses and 60% of lost wages and has a death benefit.

PD Pays for Damage to Property owned by others accidentally caused by you or the driver of the vehicle.

If you are still making payments on your vehicle then you would need to also carry comprehensive and collision, these two coverage’s protect your vehicle if its damaged the insurance company would fix your car. These coverage usually have a deductible.

Bodily Injury Liability is not mandated by Florida law unless you have demonstrated financial irresponsibility following a previous accident. It is, however, strongly recommended.

Uninsured Motorist coverage pays for Bodily injuries to you, your family members and any other person occupying your covered automobile, should they be caused by the negligence of an uninsured or underinsured motorist.

Home Owner Insurance

Homeowners insurance provides coverage for your home and personal belongings. Liability coverage is another critical component of a homeowners insurance policy.

Many people don’t realize they can save money by having a Wind Mitigation Inspection done on their home.

Following are a few valuable wind mitigation features which provide significant insurance discounts for the homeowner:

  1. Hurricane protection on all your doors and windows
  2. Hip roof
  3. Roof-to-Wall connections installed with hurricane clips/straps
  4. Florida building code-approved roof covering

If your home has one or more of the above features, your homeowners insurance policy may include a discount!

It saves you money to find a professional agent, experienced with writing homeowners insurance policies, and their related discounts!

West Palm Beach and Lake Worth Insurance Agency Offices serving:


  • Juno Beach
  • Jupiter
  • Jupiter Inlet Colony
  • Lake Park
  • Mangonia Park
  • North Palm Beach
  • Palm Beach Gardens
  • Tequesta


  • Atlantis
  • Greenacres
  • Haverhill
  • Highland Beach
  • Hypoluxo
  • Lake Clarke Shores
  • Lake Worth
  • Lantana
  • Ocean Ridge
  • Palm Beach
  • Palm Beach Shores
  • Palm Springs
  • Riviera Beach
  • Wellington
  • West Palm Beach


  • Boca Raton
  • Boynton Beach
  • Briny Breezes
  • Delray Beach
  • Gulf Stream
  • Manalapan
  • South Palm Beach


  • Belle Glade
  • Loxahatchee Groves
  • Pahokee
  • Royal Palm Beach
  • South Bay