Frequently Asked Questions

We offer comprehensive coverage for personal and commercial needs including auto insurance, homeowners insurance, flood insurance, life insurance, motorcycle insurance, and commercial insurance. As an independent agency, we work with multiple carriers to find you the best coverage at competitive rates.

Getting a quote is easy! You can request a quote online through our website forms, call us at (813) 656-8300, or email us at info@conservatorins.com. We provide fast quotes—usually within 60 seconds for most coverage types.

While we specialize in the Tampa Bay area (Tampa, St. Petersburg, Clearwater, Brandon, Wesley Chapel, and surrounding areas), we can provide coverage throughout Florida. Our deep knowledge of Florida insurance regulations and coastal property challenges benefits customers statewide.

We combine 40+ years of local experience with modern technology. As an independent agency, we're not tied to one carrier—we shop multiple companies to find your best rate. You get real people who answer the phone, fast quotes, and genuine advocacy when you need it most.

Florida requires $10,000 Personal Injury Protection (PIP) and $10,000 Property Damage Liability (PDL). However, these minimums often aren't enough. We recommend higher liability limits and uninsured motorist coverage to fully protect yourself.

Common ways to reduce premiums include bundling home and auto policies, increasing deductibles, maintaining good credit, taking defensive driving courses, and asking about available discounts. Shopping multiple carriers through an independent agent like us also helps ensure competitive rates.

No. Standard homeowners policies in Florida exclude flood damage. You need a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private flood insurer. We strongly recommend flood insurance for Tampa Bay residents due to significant storm surge and flooding risks.

Florida faces unique risks including hurricanes, high humidity, sinkholes, and expensive rebuilding costs. Coastal properties pay higher premiums due to hurricane exposure. We help clients find ways to reduce premiums through wind mitigation upgrades, higher deductibles, and carrier shopping.

A wind mitigation inspection documents your home's wind-resistant features (hurricane shutters, impact windows, roof type, etc.). This inspection can result in significant premium discounts—often 20-40% or more. We highly recommend getting one if you haven't already.

While not required, it's recommended. About 25% of flood claims come from outside high-risk flood zones. Tampa Bay's geography makes it vulnerable to storm surge even in areas not designated as flood zones. Plus, flood insurance outside high-risk zones is often very affordable ($400-600/year).

There's typically a 30-day waiting period before flood insurance coverage begins. This is why you can't wait until a storm is approaching to buy coverage. Get your flood policy in place before hurricane season starts.

A common guideline is 10-12 times your annual income, but everyone's situation differs. Consider your mortgage balance, other debts, income replacement needs, children's education costs, and final expenses. We'll help you calculate the right amount based on your specific circumstances.

Term life covers you for a specific period (10, 20, 30 years) and is typically more affordable. Whole life covers you for life and builds cash value but costs more. For most people, term life provides the best value for protecting their family during working years.

Contact us immediately at (813) 656-8300. We'll guide you through the process, help you document damages, and advocate on your behalf with the insurance carrier. We're here to ensure you get fair treatment and fast resolution.

First, ensure everyone's safety and call 911 if needed. Exchange information with other drivers, take photos of the scene and damage, get witness contact information, and call us to report the claim. Don't admit fault at the scene—let the insurance companies and police determine liability.