Need the Best Insurance Options in Southwest Florida?

(239) 939-1010 or (888) Tim-Shaw (1-888-846-7429) is the only number you need when you are looking for the best insurance options in southwest Florida!

Tim Shaw Insurance-Acentria are the leading insurance experts in Florida offering competitive rates on Florida home insurance, automobile insurance, life insurance, business insurance, Flood Insurance, and Florida tax-sheltered annuities.

Annuities help investors defer taxes on your schedule, not the governments. Click on tax deferred annuities to learn why annuities are an excellent method to shelter your investments from high taxes.

We also provide online homeowners insurance quotes in the convenience of your home 24 hours per day, please choose: Fort Myers Florida homeowners insurance quotes, or Naples homeowners insurance quotes for the most competitive rates on home insurance in Florida.

Why Choose Our Agency to Care for Your Needs?

It’s true that there are many companies and agents offering insurance in Florida, and like any industry you have both good and bad insurance agents selling insurance.

How can you tell the difference?

We have noticed that some agents will take shortcuts in providing coverage to their policyholders. In just a moment I will explain why a Florida insurance agent may be tempted to take this step.

Keep this important thought in the back of your mind when it comes to taking shortcuts on insurance coverage:

When an insurance agent or representative takes a shortcut on your coverage this may cause you, as the policyholder, to pay a significant amount of money out of pocket, or worse you may receive a claim denial from the insurance company!

Example of How Bad Advice Could Lead to Significant Out-Of-Pocket Expenses!

Let’s assume for a moment you are looking for Fort Myers home insurance and you call a few agents with the goal of finding the best price on homeowners insurance in Fort Myers.

Some agents will intentionally remove coverage from your Florida home insurance policy to lower the price.  This practice will only serve to harm you financially in the event of a claim.

How can your coverage be removed without your knowledge?

Florida law allows agents to modify certain coverage within the home insurance policy that may leave you completely uncovered for certain types of claims such as replacement cost vs. actual cash value (garage sale value) when it comes to settling your claims.  Additionally personal property coverage can be significantly lowered, and in some cases eliminated without your knowledge.

Removing this coverage from your policy will leave you financially exposed!

Watch Out For This Bait and Switch Hurricane Deductible Trick.

Another trick some unscrupulous insurance agents hope that you will not notice is by intentionally increasing your hurricane deductible!

If you are not sure what a hurricane deductible is, click on hurricane deductible to learn how this applies to your homeowners insurance policy.

If your current hurricane deductible is 1%, another agent may quote a 5% hurricane deductible on your Fort Myers homeowners insurance policy, leaving you exposed to significant out-of-pocket expenses in the event your home is damaged or destroyed by the next hurricane. 

For instance, if your home is insured for $400,000 with a 1% hurricane deductible, you must pay a $4000 hurricane deductible before the insurance company begins payments.  But on the other hand, if you purchase a Florida homeowners insurance policy that turns out to have a 5% hurricane deductible, your out-of-pocket expense increases to $20,000!

Why do agents sometimes remove valuable insurance coverage or increase hurricane deductibles?

They are taking advantage of the volatile fluctuation in Florida homeowners insurance pricing and preying upon homeowners who are simply trying to lower their cost.

The unscrupulous insurance agent’s goal is to entice you with a cheap Florida home insurance price, regardless of coverage. If you do not buy a policy they do not make a commission.

Our Home and Auto Insurance Agents Are Not Paid by Commissions!

As an agency owner, I chose to eliminate the temptation of this practice by paying our agents a salary versus paying them a commission. This means they get paid even if you don’t choose our agency.

Our agents have no incentive to strip coverage or increase hurricane deductibles to gain your business. We only want your business after a well discussed plan that includes your choices as to how much risk you are willing to accept.

Engaging in ethical and fair business dealings is very important to me personally and I’m sure you value that as well.  There is one other important reason that I would like to share with you on why we truly are the best independent insurance agency in Fort Myers Florida.

We Look Out For Your Best Interest, Not the Insurance Companies!

As an independent insurance agency we represent the top insurance companies offering homeowners insurance in Florida. But even more importantly, we solidly believe in the Golden rule, treating others as we wish to be treated.

As an agency our main objective is to be there when you need us most.

The reason why we purchase insurance is to protect our financial assets and here at Tim Shaw Insurance-Acentria, we feel that we provide this service better than any agency in the area.

That’s why I personally would like to invite you to speak with one of our highly skilled, trained, and professional representatives for a free policy review.

We Care about Your Future!

We are local, we are your neighbors, and we actively support our local community.

I am 100% positive that you will be satisfied with your decision to choose us for your insurance needs no matter if it is Homeowners insurance, Florida automobile insurance, Life insurance, Business insurance, Fort Myers Flood Insurance, and Florida tax-sheltered annuities.

We’re connected, we care, and we want you as a client!

Why not give us a call today?  You can reach us directly at 239-939-1010 or toll-free 888-Tim-Shaw. (888-846-7429).