Frequently Asked Questions
What types of insurance do you offer?
It Matters Insurance, Inc. helps Florida individuals, families, and businesses explore coverage options for homeowners, auto, commercial, workers' compensation, flood, pet, and specialty insurance, including motorcycles, boats, and travel trailers. Coverage options and availability vary by insurer and eligibility.
How can I get an insurance quote?
You can request a free, no-obligation insurance quote by contacting It Matters Insurance, Inc. by phone, completing our online quote request form, or scheduling a consultation. We'll review your insurance needs and help you explore available coverage options.
Can you help me compare insurance options?
As an independent insurance agency, It Matters Insurance, Inc. can help you explore coverage options from the insurance carriers and providers we work with. We'll review available options, explain important coverage differences, and help you make an informed decision based on your needs and budget.
Can I switch insurance companies before my policy expires?
Yes! In many cases, you can switch insurance companies before your current policy expires. We can help you review your options and coordinate coverage dates to avoid a lapse in protection. Depending on your policy, cancellation fees or refunds may apply. Always confirm your new coverage is active before canceling your existing policy.
Do you offer insurance for small businesses?
Yes! It Matters Insurance, Inc. helps Florida small business owners explore commercial insurance options, including general liability, business owners policies (BOP), workers' compensation, and other business coverages. We can help you review your risks and explore available options based on your business needs and eligibility.
What should I do if I need to file an insurance claim?
If you experience a loss, make sure everyone is safe and take reasonable steps to prevent further damage. Document the damage with photos and contact your insurance company to report the claim. You can also contact It Matters Insurance, Inc. for guidance on locating your carrier's claims information and understanding the reporting process.
Do I need flood insurance if I'm not in a flood zone?
Flooding can happen anywhere, even outside high-risk flood zones. Most standard homeowners insurance policies do not cover flood damage. While flood insurance may not be required for your property, it can provide valuable protection against unexpected flooding. We can help you explore available flood insurance options for your Florida home.
Does homeowners insurance cover hurricane damage?
Many Florida homeowners insurance policies cover damage caused by hurricane winds, subject to policy terms, exclusions, and a separate hurricane deductible. However, flooding caused by hurricanes is generally not covered under standard homeowners insurance and typically requires separate flood insurance. We can help you understand your coverage options and deductibles.
Can I bundle my home and auto insurance?
Yes! Some insurance companies offer discounts when you combine your home and auto insurance policies. Bundling may help you save money and make managing your coverage more convenient. We can help you explore available options and compare whether bundling or keeping separate policies offers better value for your needs.
What information do I need to get an insurance quote?
The information needed depends on the type of insurance you're requesting. Generally, we'll ask for basic contact information and details about your home, vehicle, or business. Having your current insurance policy available can also help us compare coverage options and provide a more accurate quote.
Is workers' compensation insurance required in Florida?
Florida generally requires workers' compensation insurance for construction businesses with one or more employees and non-construction businesses with four or more employees. Different rules apply to certain agricultural businesses and business owners. We can help you explore coverage options based on your business operations and staffing.
Can I pay my insurance premiums monthly?
Many insurance companies offer payment plans, including monthly installments. Available options, down payments, and installment fees vary by insurance company and policy. We can help you review the payment options available when requesting a quote.
