5 Things you should know before insurance shopping!

1. Do not LIE, our underwriters will find out if you have hidden information from the selling agent and your policy will be rerated or cancelled.

2. Time. If you are going for a commercial quote, you should be calling at least 30 days in advance. Same goes for construction projects, vacancies, grow ops, etc. Don't be that guy who is starting a business and waits until the landlord/lawyer is handing you the keys, asking you for your insurance certificate.

3. That's a great point. When people take too long to get auto quotes and they miss out on our Future Effective Discount - it's a real bummer.

4. For Auto Insurance -
current address
Driver's names and date of birth's. Driver's license number is also helpful.
Have the year make and model of each car that needs to be covered
coverage limits you are looking for, or current policy
if you have had a few accidents, it is a good idea to know when they were and which ones are not at fault or at fault
Home insurance (Florida specific) -
ADDRESS!!
coverage limits, or square footage
have your windstorm mitigation inspection ready
Dates, details, and payouts of any prior claims
closing date (if applicable)
shut up and let the agent lead the conversation. We have a flow to the questions we need to ask, it will take 1/10th the time if you let us lead the conversation.

5. Your name/address/date of birth, social security number
Knowledge of the property being insured (house- square footage, type of heat, type of plumbing, type of roofing. car- make/model/year of all vehicles being insured. Name, date of birth, drivers license numbers.)
Current carrier and term dates. And for the love of god don't tell your agent you're closing on a house tomorrow and need insurance on it.
Current policy limits, or required limits. Including limits of liability on auto, current coverage on house, necessary coverage for any commercial limits
And have a phone number that works, and use it.