GreatFlorida Insurance

09/02/2025

🔑NEW FRANCHISE OPENING!🔑

GreatFlorida Insurance is thrilled to announce the newest addition to the GreatFlorida family: GreatFlorida Insurance of Doral—led by our newest agency owner, Gabriel De Varona!

Gabriel brings energy, expertise, and a customer-first mindset to the Doral community, and we couldn’t be more excited to support his growth.

Please join me in welcoming Gabriel and celebrating this next chapter! 🎉

If you’re in or around Doral and looking for a trusted partner for your insurance needs, Gabriel and his team are ready to help.

Learn More Here: https://www.greatflorida.com/blog/2025/greatflorida-insurance-expands-with-new-doral-franchisee-gabriel-de-varona/

08/29/2025

🎬 DID YOU KNOW?! 🎬

🚀 Since January 1, 2023, GreatFlorida Insurance has averaged ONE NEW location opening every single month, and the momentum hasn’t slowed down.

🌴 With new carriers entering the market, existing carriers relaxing their guidelines, and opportunities expanding like never before, the Florida insurance marketplace has truly never been more inviting for both new and existing agents who want to build lasting legacies.

🙌 We are proud of what our team and partners have accomplished together, and even more excited about where we’re headed. As always, a massive thanks to the 55+ Partners/Sponsors who came out to support the 2025 Summer Conference... we couldn't have done it without you!

👉 If you want to learn more about joining GreatFlorida Insurance and writing your next chapter with us, reach out to us today. The best time to start is now!

08/21/2025

🎬 JUST RELEASED! Recap Video of the 2025 GreatFlorida Insurance Summer Conference! 🎬

From powerful networking opportunities and insightful events to the laughter, energy, and fun that brought our GreatFlorida family together, this year’s conference had it all. 🌟

We’re excited to share our official Recap Video, capturing the moments that made this event so special. A huge THANK YOU to everyone who made it possible: our franchise owners, carrier partners, sponsors, and team members. 🙌

If you joined us this year, relive the highlights! If you couldn’t make it, we hope this gives you a glimpse of what awaits, and we can’t wait to see you at the next one! 🧡

👉 Watch the recap video now and share your favorite moment in the comments below!

08/19/2025

🎉 NEW FRANCHISE LOCATION ALERT! 🎉

Please join us in welcoming Edwin Duque as the newest GreatFlorida Insurance Franchise Owner, representing GreatFlorida Insurance of Gainesville! 😎

This milestone is extra special, as it marks the 4th GreatFlorida Agency Location for the Duque Family. From the very beginning, the Duques have been an incredible part of our network, and we are thrilled to now see Edwin spread his wings and grow a brand-new agency on his own.

We can’t wait to watch your journey unfold, Edwin! Congratulations on this exciting next chapter! 💙🧡

Learn More about Edwin's New Agency Here:

FOR IMMEDIATE RELEASE Palm City, FL – 08/05/2025 – GreatFlorida Insurance is proud to announce the opening of its first Gainesville, FL location, owned and operated by new franchisee Edwin Duque. This expansion marks an exciting step for the company as it brings its trusted insurance services to...

08/12/2025

💎 From Diamond Sponsor to Dealer of Unforgettable Nights… Dairyland/The Sentry/The General Insurance, You’re the Real Jackpot! 💎

🎲✨ Year after year, Dairyland Insurance doesn’t just show up for GreatFlorida Insurance, they go ALL IN. As our long-standing Diamond Sponsor of the Summer Conference, they’re the driving force behind one of the most anticipated traditions of the year… GreatFlorida Casino Night 🎲✨

It’s more than just cards, chips, and roulette wheels... it’s about the energy, the laughter, and the connections our Agents make that fuel success long after the evening comes to a close. And none of it would happen without Dairyland Insurance/Sentry/The General®’s unwavering commitment.

To the amazing team behind the scenes: thank you for not just sponsoring this event, but for investing in the growth, wins, and future of our GreatFlorida Agents every single day. 🙌

🏆 Here’s to more wins... on the tables and in business, together! 🏆

08/11/2025

A HUGE thanks to the Monarch National Insurance Company for sponsoring the Friday Night Welcome Reception at our 2025 GreatFlorida Insurance Summer Conference! The Monarch Team certainly knows how to kick things off for us and we appreciate them setting the tone for the rest of the weekend! 🦋

GreatFlorida Insurance appreciates your unconditional support year after year! Here's to our continued growth and partnership... 🧡 🎉

08/05/2025

🌟 Please join us in welcoming our newest Franchise Owner! 🌟

We’re excited to announce that Jovanny Valdes has officially joined the GreatFlorida Insurance family and will be opening GreatFlorida Insurance of Pembroke Pines! 🎉

Jovanny brings with him vast knowledge of the Florida insurance marketplace, a strong track record of success, and an unwavering commitment to serving his community. His experience and leadership make him the perfect addition to our growing network of independent agency owners. We can’t wait to watch Jovanny make an incredible impact as he builds his business under the GreatFlorida banner!

Welcome aboard, Jovanny! We’re proud to have you as part of the GreatFlorida family. 🧡

Learn more about Jovanny here!:

FOR IMMEDIATE RELEASE Experienced insurance professional joins GreatFlorida Insurance network with deep expertise in home, auto, commercial, and marine coverage in Pembroke Pines, Florida. Palm City, FL – August 4, 2025 — GreatFlorida Insurance, Florida’s leading privately‑owned insurance fr...

08/04/2025

🏆 Announcing our 2025 GreatFlorida Insurance Representatives of the Year! 🏆

Each year, GreatFlorida Insurance honors individuals in the carrier community who go above and beyond in their support of our franchise network. These professionals are not just partners—they are champions of our mission, advocates for our agents, and vital contributors to our continued growth across Florida.

This year, we are thrilled to recognize Derek Heard and Ryan Flansbury with Universal Property & Casualty as our 2025 Reps of the Year!

👏 Derek and Ryan exemplify what it means to be true partners in this industry. Their unwavering support, responsiveness, and commitment to helping our agency owners succeed has not gone unnoticed.

To Derek and Ryan—thank you for the energy, expertise, and excellence you bring to the table every day. This recognition is well-earned and deeply appreciated!

Learn more here:

FOR IMMEDIATE RELEASE Palm City, FL – July 31, 2025 – GreatFlorida Insurance is honored to name Derek Heard and Ryan Flansbury of Universal Property & Casualty Insurance Company as its 2025 Representatives of the Year, recognizing their exceptional service, commitment, and partnership support....

07/31/2025

🎉 2025 GreatFlorida Insurance Insurance Rookies of the Year! 🎉

Each year at our Annual Summer Conference, we recognize one standout new agency that hits the ground running — excelling in production, elevating the GreatFlorida brand locally, and setting the bar high for others to follow.

We’re thrilled to announce that this year’s Rookie of the Year honor goes to Yahaira & Jose of GreatFlorida Insurance of Ocoee! 🏆👏

From strong sales to strong community presence, Yahira and Jose have shown what it truly means to be a GreatFloridian. Their drive, dedication, and passion for serving their clients make them a shining example of what’s possible in your first year.

Please join us in congratulating them on this well-earned recognition! 🥳🧡

Click here to learn more about Yahaira & Jose Felix's GreatFlorida journey to ROY!: https://www.greatflorida.com/blog/2025/greatflorida-insurance-names-jose-and-yahaira-felix-2025-rookie-of-the-year/

07/30/2025

🎉 Congratulations to Gena & Kevin Swanson of GreatFlorida Insurance of Brandon, our 2025 Agents of the Year! 🎉

Each year at our annual Summer Conference, the GreatFlorida Insurance Home Office has the honor of selecting one agency to receive our most prestigious title: Agent of the Year. This recognition is reserved for the Agency that best represents what it truly means to be a GreatFloridian, through outstanding business performance, brand representation, and meaningful community involvement.

Gena & Kevin: Your dedication to your clients, your commitment to the GreatFlorida brand, and your consistent pursuit of excellence set a powerful example for our entire network. We’re proud to call you part of the GreatFlorida Family!

🏆 2025 GreatFlorida Insurance Agent of the Year 🏆

FOR IMMEDIATE RELEASE Stuart, FL – July 22, 2025 – GreatFlorida Insurance is proud to announce Kevin and Gena Swanson as the 2025 Agents of the Year, honoring their outstanding service, commitment, and leadership within the GreatFlorida network. Owners and operators of a long-standing GreatFlori...

07/22/2025

🚨 New Franchise Alert! 🚨

Please join us in welcoming Maria Munoz and Roxana Mendoza to the GreatFlorida Insurance family! They will be proudly representing GreatFlorida Insurance of Davenport!

With decades of combined experience across both the agency and carrier side of the business, Maria and Roxana bring a powerful blend of passion, professionalism, and local knowledge to the residents and businesses of Davenport and surrounding communities.

Their decision to join GreatFlorida is a testament to the strength of our brand, the support of our network, and the opportunity that awaits those ready to take control of their future.

👏 Welcome to the team, Maria & Roxana — we’re thrilled to have you on board and can’t wait to see the impact you’ll make!

Learn more here:

GreatFlorida Insurance is proud to announce the opening of its newest franchise location in Davenport, Florida, led by the dynamic sister duo Maria Munoz and Roxana Mendoza. With a combined 30+ years of experience in both the agency and carrier sides of the insurance industry, Maria and Roxana bring...

07/11/2025

🔥 The countdown is ON for the 2025 GreatFlorida Insurance Summer Conference, and it’s already shaping up to be our BIGGEST event yet!

Last year set the bar high… but this year? We’re blowing past it.
✅ 57 Trade Show Vendors
✅ 375+ Registered Attendees
✅ $190,000+ in Sponsorships Raised

This isn’t just another conference; it’s THE Florida Insurance Franchise Event of the Year. A true celebration of our unstoppable momentum, thriving franchise network, and the incredible partners who help make it all happen.

We can’t wait to bring the GreatFlorida family together next week for a weekend of inspiration, connection, and next-level energy!
📍JW Marriott Orlando, Grande Lakes
🗓️ July 18–20, 2025
Let’s go make some magic. 💥
Here's last year's video recap to help you get even more excited!

09/03/2024

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Unlock a world of possibilities with ZappyCards - the leading provider of high-quality NFC cards. Discover the power of seamless connectivity as you effortlessly bridge the gap between your digital and physical life. Our innovative NFC cards offer unparalleled convenience, security, and versatility,...

07/09/2024

Different Home Insurance Coverage Options in Florida

Home insurance in Florida is a necessity for homeowners due to the state’s unique environmental risks, such as hurricanes, tropical storms, and flooding. Given these hazards, homeowners must carefully consider their coverage options to ensure comprehensive protection. Various insurance policies cater to different needs, each with its scope, benefits, and limitations.

1. Standard Homeowners Insurance (HO-3):
The most common type of home insurance in Florida is the HO-3 policy, which provides coverage for the structure of the home, personal belongings, liability protection, and additional living expenses if the home becomes uninhabitable. This policy covers damages from perils like fire, windstorms, hail, theft, and vandalism. However, it typically excludes flood and earthquake damage, necessitating additional coverage for these risks.

2. Flood Insurance:
Given Florida’s susceptibility to flooding, especially in coastal and low-lying areas, flood insurance is crucial. Standard homeowners insurance does not cover flood damage, so homeowners must purchase a separate policy, often through the National Flood Insurance Program (NFIP). This coverage protects against damage from rising water and typically includes the building and its foundation, electrical and plumbing systems, and major appliances.

3. Windstorm Insurance:
Hurricanes and tropical storms pose significant threats to Florida homes, making windstorm insurance another essential coverage. While standard policies cover wind damage to some extent, areas at higher risk, such as coastal regions, may require additional windstorm insurance. This can be obtained through private insurers or state-backed entities like the Florida Windstorm Underwriting Association.

4. Citizens Property Insurance Corporation:
As a state-run insurer of last resort, Citizens Property Insurance Corporation provides coverage for homeowners unable to secure insurance from private companies. It offers various policies, including standard homeowners, wind-only, and mobile home insurance. Citizens aim to stabilize the market by offering an alternative for those in high-risk areas or with homes that do not meet private insurers’ criteria.

5. Personal Property Insurance:
Personal property insurance is an optional coverage that can be added to a standard policy to provide greater protection for belongings. It covers personal items like furniture, electronics, and clothing against perils such as theft, fire, and vandalism. Homeowners can choose between actual cash value (ACV) and replacement cost coverage, with the latter offering a higher payout to replace lost or damaged items without accounting for depreciation.

6. Liability Insurance:
Liability insurance is included in standard policies but can be enhanced for better protection. It covers legal expenses and damages if someone is injured on the property or if the homeowner is responsible for damage to someone else’s property. This is particularly important in Florida, where litigation risks can be high.

7. Additional Living Expenses (ALE):
Additional Living Expenses (ALE) coverage pays for temporary housing and related expenses if a home is uninhabitable due to a covered peril. This coverage is typically included in standard policies but can be increased if necessary. It ensures that homeowners have the financial means to maintain their standard of living while repairs are being made.

Conclusion:
Navigating home insurance options in Florida requires a thorough understanding of the available coverages and their importance in mitigating the state’s unique risks. From standard homeowners insurance to specialized policies for floods and windstorms, each type of coverage plays a crucial role in protecting homeowners from significant financial losses. By carefully evaluating and combining these options, Florida residents can achieve comprehensive protection for their homes and personal property.

06/27/2024

Renters Insurance in Florida: A Guide for First-Time Renters

Renters insurance is a crucial yet often overlooked component of financial planning for first-time renters in Florida. It provides a safety net that protects against unforeseen events that could otherwise lead to significant financial hardship. Understanding what renters insurance covers, why it’s important, and how to choose the right policy can help first-time renters in Florida make informed decisions.

What is Renters Insurance?

Renters insurance is a type of insurance policy designed to protect tenants. Unlike homeowners insurance, which covers the structure of the home, renters insurance covers the personal belongings of the tenant and provides liability protection. This means that if a covered event, such as a fire, theft, or vandalism, damages or destroys personal belongings, renters insurance can help cover the cost of replacing these items.

Coverage and Benefits

A standard renters insurance policy typically includes three main types of coverage:

1. Personal Property Coverage: This covers the cost of repairing or replacing personal belongings that are damaged or stolen. In Florida, where natural disasters like hurricanes are a concern, this coverage can be particularly valuable.
2. Liability Coverage: This provides protection if the renter is found legally responsible for causing injury to another person or damage to their property. For instance, if a guest slips and falls in your apartment, liability coverage can help cover medical expenses and legal fees.
3. Additional Living Expenses (ALE): If a covered event forces the renter to temporarily relocate, ALE coverage can help cover the additional costs of living away from home, such as hotel bills and restaurant meals.

Importance of Renters Insurance in Florida

Florida presents unique challenges that make renters insurance especially important. The state is prone to natural disasters such as hurricanes, tropical storms, and flooding. While standard renters insurance policies typically do not cover flood damage, they do cover damage from other perils like wind and theft. Renters should consider purchasing additional coverage for floods if they live in flood-prone areas.

Moreover, Florida has a high rate of property crime compared to the national average. Renters insurance provides peace of mind by ensuring that personal belongings are protected against theft and vandalism.

Choosing the Right Policy

When selecting a renters insurance policy, first-time renters should consider the following:

1. Coverage Amount: Conduct an inventory of personal belongings to determine how much coverage is needed. It’s essential to choose a policy that provides sufficient coverage to replace all possessions in the event of a total loss.
2. Deductibles and Premiums: A deductible is the amount the renter pays out of pocket before the insurance kicks in. Higher deductibles usually mean lower premiums, but it’s important to choose a deductible that is affordable in the event of a claim.
3. Exclusions and Additional Coverage: Review the policy to understand what is excluded. For example, standard policies may not cover flood damage, so additional coverage might be necessary. Some insurers offer endorsements for valuable items like jewelry or electronics.
4. Insurance Provider: Research different insurance companies to find a reputable provider with good customer service and claims handling. Reading reviews and seeking recommendations can help in making an informed choice.

Conclusion

Renters insurance is a vital protection tool for first-time renters in Florida. It offers financial security against personal property loss, liability claims, and additional living expenses due to covered events. Given Florida’s susceptibility to natural disasters and property crimes, having renters insurance is a prudent decision. By carefully evaluating coverage needs, deductibles, exclusions, and choosing a reputable provider, first-time renters can ensure they are adequately protected in their new homes.

06/11/2024

Homeowners Insurance: Florida

Florida home insurance presents a unique set of challenges and opportunities, shaped by the state's geographical features, climate, and insurance market dynamics. With its extensive coastline and susceptibility to hurricanes, floods, and other natural disasters, Florida home insurance is a vital safeguard for homeowners seeking protection against potential risks.
One of the defining features of Florida's home insurance landscape is the prevalence of hurricanes. The state is particularly vulnerable to these destructive storms, with hurricane season spanning from June to November each year. As a result, insurance providers in Florida must assess and mitigate the risks associated with hurricane damage, which often involves higher premiums and specialized coverage options.
In response to the increased risk of hurricanes, the Florida Legislature established the Florida Hurricane Catastrophe Fund (FHCF) to provide a stable and affordable source of reinsurance for insurers operating in the state. This fund helps to reduce the financial burden on insurers and policyholders in the event of a major hurricane, ensuring that homeowners have access to essential coverage even in the face of widespread damage.
In addition to hurricanes, Florida is also prone to other natural disasters such as flooding and sinkholes. Flooding, in particular, poses a significant threat to homeowners, especially those located in low-lying areas or near bodies of water. While standard home insurance policies typically do not cover flood damage, many insurers offer separate flood insurance policies through the National Flood Insurance Program (NFIP) or private insurers.
The unique risks associated with Florida's environment and climate contribute to the complexity of the state's home insurance market. Insurers must carefully evaluate factors such as location, constructión materials, and building codes when determining premiums and coverage options for homeowners. Furthermore, the regulatory environment in Florida plays a crucial role in shaping the availability and affordability of home insurance coverage.
Despite the challenges posed by Florida's natural hazards, home insurance also provides homeowners with valuable peace of mind and financial protection. In the event of property damage or loss, insurance can help cover the cost of repairs, replacement, and temporary living expenses, ensuring that homeowners can recover and rebuild after a disaster.
In conclusion, Florida home insurance is a critical omponent of homeownership in the Sunshine State, offering protection against the unique risks posed by hurricanes, floods, and other natural disasters. While the state's geographical and climatic factors present challenges for insurers and homeowners alike, effective risk management strategies and regulatory measures help ensure the availability and affordability of home insurance coverage for residents across Florida.

06/11/2024

Importance of Auto Insurance in Florida:

Auto insurance in Florida is a crucial component of responsible vehicle ownership. Florida, known for its bustling highways and diverse terrain, mandates that drivers maintain certain levels of insurance coverage to protect themselves and others on the road. Understanding the nuances of auto insurance in the Sunshine State is essential for both residents and
visitors alike.
First and foremost, Florida operates under a "no-fault" insurance system, which means that regardless of who is at fault in an accident, each party's insurance provider is responsible for covering their respective medical expenses and related costs. This system aims to streamline the claims process and provide prompt compensation to accident victims, regardless of legal fault.
Under Florida law, drivers must carry Personal Injury Protection (PIP) insurance with a minimum coverage of $10,000. PIP coverage helps pay for medical expenses, regardless of fault, for the policyholder and passengers injured in an accident. This coverage is designed to provide swift access to medical care and reduce the burden of legal battles following an accident.
Additionally, Florida requires drivers to carry Property Damage Liability (PDL) insurance with a minimum coverage of $10,000. PDL coverage pays for damages to another person's
property, such as their vehicle or other structures, in the event of an accident for which the policyholder is at fault. This coverage helps ensure that victims of accidents receive compensation for their property damages.
While PIP and PDL are the minimum requirements mandated by law, many drivers opt for additional coverage options to provide greater financial protection. Optional coverages such as Bodily Injury Liability, Uninsured/Underinsured Motorist Coverage, and Collision and Comprehensive coverage can help safeguard against a wider range of risks, including injuries and damages not covered by the minimum requirements.
Factors such as driving history, age, vehicle type, and location can influence auto insurance rates in Florida. Additionally, the state's unique weather patterns, including hurricanes and tropical storms, may impact insurance premiums and coverage options for comprehensive protection against weather-related damages.
Moreover, Florida's status as a popular tourist destimation introduces additional considerations for auto insurance. Visitors driving in the state may need to secure temporary coverage or ensure that their existing policies provide adequate protection while traveling.
In conclusion, auto insurance in Florida plays a vital role in protecting drivers, passengers, and property on the state's roadways. Understanding the minimum requirements, optional coverages, and factors influencing insurance rates is essential for making informed decisions about coverage options. By prioritizing responsible driving and maintaining adequate insurance protection, motorists can navigate Florida's roads with greater peace of mind.
Address: 650 N Alafaya Trail, Suite 110, Orlando, FL. 32828

06/11/2024

Understanding Renters’ Insurance in Florida

Renting a home or apartment in Florida offers numerous advantages, from the sunf weather to vibrant communities. However, just like anywhere else, unforeseen events such as theft, fire, or natural disasters can disrupt your life. That's where renters' insurance comes into play, offering peace of mind and financial protection for tenants.
Renters' insurance is a type of policy designed specifically for tenants who do not own the property they reside in. In Florida, this insurance is especially crucial due to the state's susceptibility to hurricanes, flooding, and other weather-related risks.
One of the primary components of renters' insurance is personal property coverage. This. aspect protects your belongings, including furniture, electronics, clothing, and other valuables, in case of damage or theft. With Florida's unpredictable weather patterns and the potential for water damage from hurricanes or flooding, having this coverage is essential to safeguard your possessions.
Liability coverage is another vital aspect of renters' insurance. This part of the policy protects you if someone is injured while on your rented property and decides to sue. It helps cover legal expenses and medical bills, providing financial protection and peace of mind in case of accidents.
Additionally, renters' insurance in Florida often includes additional living expenses coverage.
In the event that your rented property becomes uninhabitable due to a covered peril, this coverage helps pay for temporary accommodations, such as hotel expenses or renting a new place, until your home is repaired or replaced.
When purchasing renters' insurance in Florida, it's essential to understand the specific risks and coverage options available in the state. Factors such as the location of your rental property, its próximity to flood zones or hurricane-prone areas, and the value of your belongings can influence the cost and extent of coverage needed.
Moreover, it's crucial to review your policy regularly and update it as necessary to ensure adequate protection. As your circumstances change, such as acquiring new valuables or moving to a different rental property, adjusting your coverage can help keep you adequately insured against potential risks.
In conclusion, renters' insurance is a valuable investment for tenants in Florida, offering protection and peace of mind in the face of unexpected events. By understanding the coverage options available and tailoring your policy to your specific needs, you can ensure that your belongings and finances are safeguarded, no matter what challenges may arise.
These are two of the many options we offer
Of course! Here are a couple of examples of types yf insurance policies that could be relevant to renters in Florida:
1. Standard Renters' Insurance Policy: This is the most common type of renters' insurance policy, offering coverage for personal property, liability, and additional living expenses. It typically provides protection against perils such as fire, theft, vandalism, and certain types of water damage. For example, if a fire damages your rented apartment and destroys your furniture and belongings, a standard renters' insurance policy would help cover the cost of replacing those items.
2. Flood Insurance: Given Florida's susceptibility to flooding, renters may opt to purchase separate flood insurance to protect their belongings against flood-related damage. Standard renters' insurance policies typically do not cover flood damage, so obtaining a separate flood insurance policy is essential for tenants in flood-prone areas. For instance, if a hurricane causes flooding in your rented property and damages your electronics and appliances, flood insurance would help cover the cost of repairing or replacing those items.
These examples illustrate how different types of insurance policies can offer specific protections tailored to the unique risks renters face in Florida. By combining standard renters' insurance with additional policies like flood insurance, tenants can ensure comprehensive coverage against a wide range of perils, providing greater peace of mind and financial security.