Questions, answered line by line

Under two minutes for auto or renters, three or four for home and commercial. Ava asks the same questions a licensed agent would ask on the phone.

Both, in that order. Ava collects the information, then a licensed agent reviews it, shops it and sends you the actual quotes. Nothing is bound by a machine.

No. We are an independent agency, not a lead broker — your information is never sold. You pick email or text, and that is how we answer.

Yes. The chat and our agents work in English and Spanish, and you can switch language mid-conversation.

Please do. Attach your declaration page as a PDF or a photo and we pull the details from it — faster and more accurate than typing.

No fee, ever. We are paid by the carrier when you choose to place a policy with us.

Yes. Florida is a no-fault state, so your own policy pays your initial medical bills through personal injury protection, whoever caused the crash. The minimum is rarely enough on its own.

It steps in when the driver who hit you has no coverage or not enough of it. Roughly one in five Florida drivers is uninsured, which makes this one of the few coverages that pays for someone else's failure.

On a covered comprehensive claim in Florida, a windshield replacement carries no deductible. Most drivers never know they have it.

If a financed or leased car is totaled, the settlement is based on what the car is worth, not what you still owe. GAP pays the difference so the balance does not land on you.

In Florida it is the single biggest factor in a homeowners rate, and past a certain age many carriers decline the risk entirely. A wind-mitigation inspection often pays for itself in one term.

Never. Flood is always a separate policy, NFIP or private market — and about a third of flood claims come from outside high-risk zones.

Replacement cost rebuilds at today's prices. Actual cash value subtracts depreciation first. On a roof or on contents, that difference can be tens of thousands of dollars.

Sudden pipe breaks are generally covered; long-term seepage generally is not. Knowing which one you have before you file matters more than the deductible.

His policy covers the building, not your belongings, and not your liability if a guest is injured in your unit or if water from your unit damages the one below.

It depends whether it is written “all-in” or “bare walls”. That single document decides what your HO-6 has to pick up, which is why we ask for it before quoting.

In a Florida building, yes. If the association's policy falls short after a major loss, owners are assessed individually — this is the coverage that answers that bill.

Zone X premiums are usually a fraction of high-risk pricing, and a third of claims happen outside high-risk zones. It is the cheapest serious coverage in Florida.

NFIP caps building coverage at 250,000 dollars and contents at 100,000. Private carriers often go higher, sometimes cheaper, sometimes with a shorter wait. We quote both.

NFIP normally has a 30-day waiting period, private flood often much less. Either way, the week a storm is named is too late — that is the point to remember.

No. A flooded vehicle is a comprehensive auto claim, not a flood claim. Two different policies, and people find that out at the worst moment.

Your policy defines navigation limits. The Bahamas usually needs an endorsement, and running outside those limits can void coverage for the trip.

If your boat sinks, you are responsible for removing it. That cost is often larger than the boat's value, and it is a separate limit on the policy.

Sometimes on the boat policy, sometimes on auto, occasionally on neither. We check that before you tow anything.

General liability answers bodily injury and property damage. Professional liability answers financial harm from your advice or your work. Many businesses need both, and each thinks it already has the other.

Usually yes, through hired and non-owned coverage. A personal policy can deny a claim that happened during work, and that gap lands on the business.

It replaces the revenue you lose while a covered loss keeps you closed, and helps with the extra costs of reopening. It is the coverage that decides whether a business survives a fire.

Usually the same day, often within the hour, once your policy is with us.