Your Coastal Insurance Specialists Since 1997


10480 Stringfellow Rd. Suite 4
St. James City, FL 33956


(239) 283-6136


(239) 283-6141


About one in 15 insured homes has a claim each year.

Source: Insurance Information Institute, 2017

What's covered by my homeowners policy? How much liability insurance do I need? What's the best way to take an inventory of my home?

Our newsletter articles are designed to provide helpful information on a wide range of timely topics. Simply click on one of the headlines below and the full article will appear. And keep checking month after month. You never know what story may address your individual situation.


  • Hot Cars: How to Protect Against Auto Theft

    More than 700,000 motor vehicles were stolen in 2015, an average of one theft every 45 seconds. That’s a serious concern, but the good news is that vehicle thefts have dropped dramatically since 1991, due in part to more sophisticated anti-theft technology. Here are some tips that might help protect your car.


  • Smooth Sailing: Boat Safety and Insurance

    Before you hit the water, make sure that you have appropriate insurance coverage and follow safe boating practices.

  • Stay Safe in Your Pool or Spa

    A backyard spa or swimming pool can provide hours of family fun, but it could pose a serious danger, especially to young children. These tips may help protect your family and friends.


  • House Hunters Should Check for Insurance Issues

    Thus far in 2017, Americans have been buying homes at a rapid pace. Here’s why it’s important to consider the price and availability of homeowners insurance — even before purchasing a particular property.


  • Hurricane Season on the Horizon: Are You Prepared?

    The 2017 Atlantic hurricane season is projected to be less severe than 2016, but every hurricane season brings the potential for danger. Consider these tips for protecting your house, planning for evacuation, and carrying appropriate insurance.


  • Factors That Drive Up the Cost of Auto Insurance

    Auto policy premiums can vary widely because they are customized using mathematical formulas that reflect the perceived level of risk. This article includes suggestions to help lower your own premiums.


  • Protecting Yourself from Uninsured Motorists

    Despite compulsory auto insurance laws in almost every state, about one out of eight drivers gets behind the wheel without coverage — creating a potential liability not only for themselves but also for insured drivers.

  • Flood Insurance: Rising Waters, Rising Costs

    Flooding is the most common and expensive natural disaster in the United States, causing billions of dollars in losses annually. Learn how you can purchase coverage through the National Flood Insurance Program, and how recent federal reforms might affect your policy.