What a Good Insurance Agent Knows That a Bad One Doesn't
Tuesday, June 9, 2026
Quick Answer: Florida has insurance rules that most people never hear about until it costs them money. Your roof age affects whether you can get a policy. Your auto minimum does not include bodily injury coverage. Your...
Bundling Home and Auto Insurance in Jacksonville: Does It Actually Save Money?
Tuesday, June 9, 2026
Quick Answer: Bundling home and auto with the same company typically saves 5% to 15%. But that is only one of three ways to save. Some companies offer better rates when your agency handles both policies, even with...
How Much Is Workers Comp for Florida Restaurants?
Sunday, May 31, 2026
Published: May 2026 Workers' Comp for Florida Restaurants: What Every Owner Needs to Know - Key Takeaway: Florida law requires workers' compensation for restaurants with four or more employees (Florida Statute § 440.02)....
What 2,250+ Google Reviews Tell You About a Jacksonville Insurance Agency
Tuesday, May 26, 2026
Quick Answer: When evaluating a Jacksonville insurance agency, look beyond the star rating. Review volume (hundreds vs. dozens), recency (this month vs. years ago), and detail (do reviewers mention specific people,...
Florida Liquor Liability Insurance - Dram Shop Law for Restaurants
Thursday, May 21, 2026
Published: May 2026 Florida Liquor Liability and Dram Shop Law: What Restaurant Owners Need to Know - Key Takeaway: Florida Statute § 768.125 is one of the most alcohol vendor-friendly dram shop laws in the country. In...
5 Questions to Ask Before Switching Insurance Agencies in Florida
Tuesday, May 19, 2026
Quick Answer: You can switch insurance agencies in Florida at any time. You do not have to wait for renewal. But before you switch, ask about company access, whether your current discounts transfer, how claims are...
How Insurance Agents Get Paid (And Why an Independent Agent Costs You Nothing Extra)
Tuesday, May 12, 2026
Quick Answer: You do not pay extra to use an independent insurance agent. The insurance company pays the agent a commission out of its own operating budget. In most cases, your premium is the same whether you buy...
Does Nationwide Write Home Insurance in Florida?
Tuesday, May 12, 2026
Quick answer.Yes. As of 2026, Nationwide is writing Florida home insurance directly through Nationwide again, not through a partner insurance company. Augustyniak Insurance Group is one of a limited number of Florida...
What to Look for in a Jacksonville Insurance Agent After a Rate Increase
Wednesday, May 6, 2026
Quick Answer: When your homeowners insurance goes up, a good agent contacts you before the renewal date, or schedules a proactive annual review, explains why it happened, and shows you competitive options from other...
How Much is Workers' Comp for Electricians in Florida?
Monday, May 4, 2026
How Much Does Workers' Comp in Florida Cost for Electricans? - Short answer: The 2026 Florida rate for electrical contractors is $2.97 per $100 of payroll (NCCI Code 5190). Two electricians with $90,000 total payroll...