The quoting process
Yes, we have real people available to answer your questions. Call the phone number on the top left of our site for assistance. Average wait time is under 10 seconds. Please note our office hours of operation,
If you enter accurate information about yourself, your drivers, and your vehicles and it matches the information we obtain from third parties, such as your driving and claims history reports, your quote will be accurate. What you see is what you pay. In some states, the law may require the inclusion of additional coverages that may increase your quote, unless you reject such coverages as required by law.
Auto Insurance Quoting
Yes! You should add all vehicles in your household that are driven by any drivers covered by your policy and not insured by another company. Give us a call for specifics as this can affect your policy coverages.
Include any person who drives any vehicle on your policy, regardless of whether that person lives with you. Be sure to include any relative, age 15 or older who resides in your home, even if he or she does not drive the vehicles. Also include any child who lives away from home and who drives a vehicle on your policy, even occasionally. Give us a call for specifics as this can affect your policy coverages.
Your spouse should always be added to your policy, but you can choose to exclude him/her from coverage.
All accidents, regardless of fault, should be included up to 5 years. Also, make sure to list incidents related to weather, theft, and vandalism.
No, do not include parking tickets. You should, however, include all moving violations for the past 5 years.
We will only collect this information over the phone and only if you agree to provide it. This record is unique to you, our third party insurance partners can use it to help ensure that they have your correct information when they check your credit and calculate your insurance score. Your insurance score is used to help ensure you receive the most accurate rate possible with each company. Please note, not all companies will ask for a social security number.
When you quote or buy insurance on our Website, we collect your e-mail address so that we can send you e-mails concerning your transactions with us. We may also send updates with other information we think you’ll find useful. You can stop receiving these updates by using the links provided in the emails. We will not sell your email address to other companies.
Most insurance carriers may not insure vehicles that have a history of title issues or vehicles that were significantly damaged due to natural disasters (for example, by flood, fire or hail), totaled, reconstructed, rebuilt and/or sustained structural damage. Give us a call for specifics as this can affect your policy coverages
This is not an insurance term; but rather, street jargon than usually confuses consumers. There is no such thing as “full coverage” in any insurance product. Every insurance product is quite the opposite; meaning, it is subject to deductibles, conditions and financial interest in order to be affordable for the consumer. When “full coverage” term is used by an insurance agent or company representative, find a new agent. At SOL Insurance, we never use the term.
Auto insurance products that imply basic coverages usually refer to State required coverage only. Property coverages that are covered under the basic form refer to the property is covered by conditions that are quite limited and usually sold by request of the customer for budget purposes. Give us a call for specifics as this can affect your policy coverages and premiums.
Property Insurance Quoting
Each fire protection agency (including your local fire department) is reviewed by the Insurance Services Office (ISO) and ranked based on their fire protection services, such as fire equipment, staffing and available water supply. The ranking is called the Public Protection Class (PPCTM) with 1 being the best score and 10 being the worst score. Many insurance companies use the PPC rating and the distance your home is from the nearest legally responding fire department to determine whether they will insure your home and how much to charge. For more information, Give us a call for specifics as this can affect your policy coverages and premiums.
Your home is probably the single largest investment you’ll ever make. By insuring your home, you are helping to protect your investment.
Estimating the cost to rebuild your home will help you decide the amount of insurance you’ll want to purchase. The primary factors that’ll determine the cost to rebuild your home include:
- Local construction costs
- The square footage of your home (and the number of bathrooms and other rooms)
- The type of exterior wall construction – frame, masonry (brick or stone) or veneer
- The type of roof
- The number of floors (one to four stories, bi-level or split level)
- Special features like attached garages, fireplaces, exterior trim and arched windows
- Quality of materials and finishes throughout the home
Give us a call for specifics as this can affect your policy coverages and premiums.
If the unexpected happens, losing your home contents could be distressing as well as financially devastating. Your homeowners, Townhouse, Condo and Renters policies cover the loss of your personal belongings, subject to the policy limits and conditions.
There are two distinct ways to insure your personal possessions:
- Replacement cost coverage. This coverage pays you the dollar amount needed to replace personal property without any deduction for depreciation, but is limited to a maximum dollar amount.
- Actual cash value. This coverage pays you an amount equal to the replacement value of damaged property minus depreciation. Unless a homeowners policy specifies that property is covered for its replacement value, the coverage is for actual cash value.
Many people make the mistake of underestimating the value of their home contents. This mistake is easily made when you consider the amount of new items we purchase each year. Under-insurance can lead to heartache and inconvenience should the unexpected happen. Our insurance professional is available to assist you with insuring your home contents.
A deductible is the amount you’re responsible for in the event of a covered loss. In most covered loss cases, you are responsible for any amounts up to your deductible level and your insurance would cover anything beyond that up to your coverage limit. For example, if you select a $1,000 deductible and have a $4,200 covered loss, you would receive a claim payment of $3,200 after deducting the $1,000.
A homeowners deductible applies to each claim. If you have more than one claim in a policy period, you will be responsible for the deductible amount for each individual claim regardless of the number of claims you have during that policy period.
Florida Homeowners have two different deductibles on their policy. There is a hurricane deductible for any named storm and an “All other peril” deductible which is applied when the coverage is not a named storm (IE vandalism, fire, water damage).
No. Flood insurance is an insurance product most commonly issued separately from the homeowner or property policy.
Lawsuits are common today. If you accidentally injure someone or damage their property, you could be sued. And more and more, juries are awarding very large verdicts. Your homeowners, property and auto policies may provide substantial liability limits, but juries can award sums that exceed those limits.
Homeowners insurance policies typically do not cover but not limited to damage resulting from the following:
- Earth movement
- Nuclear hazard
- Neglect or failure to make repairs
- Corrosion, deterioration, decay or rust
- Wear and tear
- Increased cost due to enforcement of any building ordinance or law
- Government actions
- Power failure
- Animals or pests
Give us a call for specifics as this can affect your policy coverages and premiums
A wind mitigation report is a recognized industry report that will provide industry standard documentation that could result in will identify credits that insurance companies will recognize and Property owners that own homes or buildings built on or after 2002 may not be subject to a wind mitigation report as the building will adhere to all mitigating credits due to south Florida construction code. Homes and building built prior to 2002 will have varied construction codes that will.