Chapter 1:

What are my options when looking for an agent?

We are an independent insurance agency, which means we are considered non-captive agents as opposed to captive agents. Captive agents typically only write policies for the carrier they represent. They will get you their carriers quoted rate, but they do not shop or compare rates with any other companies for you. Some examples of a captive agency would be Allstate and State Farm.

Because we are not captive agents for one carrier, it means that we represent a wide variety of carriers. This allows us to shop multiple companies for you, in order to get you the best possible rate for the coverage you need.

We choose the companies we do represent very carefully, based on their financial situation and industry rating. In the case of homeowners policies, we use only those companies backed by the Florida Insurance Guarantee Association (FIGA). The FIGA was established by the State of Florida to provide homeowners with protection in the event their property and casualty insurance company becomes insolvent or is otherwise unable to pay a valid claim.

We highly recommend searching all of your options and trying both types of agents. Keep in mind that in high risk situations such as coastal areas, older homes, or exposures like dogs and diving boards, you will typically find the agent with the most options will be able to provide you the better premium for your policy. Also, as an independent agency we work for you, not an insurance company.

F.A.Q - Questions And Answers about Florida Insurance


The privacy of our website visitor’s and our client's is very important to our company. We will respect your privacy and we will not share your information with advertining or marketing companies, and will not sell your information to any mailing lists. We only share your personal information with the companies and the individuals that are necessary in performing our business duties in acquiring and in servicing your insurance needs. Please feel free to contact us immediately if you have any questions about your privacy.


Information contained within this site is the property of Hoffman and Associates Insurance Company and is provided for consumers looking to purchase insurance. Any other use is prohibited. We are not responsible for errors and omissions on this web site. All information contained herein should be deemed reliable but not guaranteed, all representations are approximate, and individual verification is required. Please contact Hoffman Insurance Company at 321-751-2511 before making any purchase decisions based on information contained on this web site to check for validity. This content is copyrighted by Hoffman and Associates Insurance Company and will bring legal action on to anyone who copies the information contained here. PLEASE NOTE THAT COMPLETION OF A REQUEST FOR INFORMATION DOES NOT CONSTITUTE THE PURCHASE OF INSURANCE. NO COVERAGE MAY BE ADDED, CHANGED OR BOUND AS A RESULT OF SUBMITTING A REQUEST FOR INFORMATION. ALL COVERAGE MUST BE CONFIRMED BY THE AGENCY IN WRITING SUBJECT TO AN ACCEPTABLE SIG NED APPLICATION MEETING THE UNDERWRITING GUIDELINES OF THE INSURANCE COMPANY. Please read your policy carefully for your terms of coverage. No information in this website alters the terms of coverage in your individual policy. If you do not agree to these terms please exit this website