Self-service for current Capital Partners clients.

An independent agent like Capital Partners Insurance represents multiple insurance carriers — not just one. We shop your coverage across 20+ carriers to compare the options available to us and recommend the one that best fits your situation. A captive agent can only offer products from a single company. With us, if your carrier raises rates or changes coverage, we simply move you to a better option without you having to find a new agent.

Getting a quote is easy. Call us at (386) 672-2827, fill out our online quote form, or stop by our Ormond Beach office. For homeowners insurance we'll need your property address, year built, and current coverage details. For auto, we'll need your driver's license and vehicle information. Most quotes are ready within one business day.

For homeowners: property address, year built, construction type, square footage, and any recent upgrades (roof, windows, A/C). For auto: driver's license number, vehicle year/make/model/VIN, and your current policy if you have one. For business insurance: business type, annual revenue, number of employees, and location.

Yes — we strongly recommend it. According to FEMA, roughly one-third of National Flood Insurance Program claims come from properties outside high-risk flood areas (FEMA/FloodSmart, claims data 2014–2024). Florida's flat terrain and heavy rainfall make flooding a real risk everywhere in the state. Since FEMA's Risk Rating 2.0 took effect in April 2023, NFIP premiums are priced individually for each property — based on distance to water, flood type and frequency, foundation type, the height of your lowest floor, and replacement cost — rather than by flood zone. That means there is no standard “starting price,” and many policies increase annually until they reach their full-risk rate. Private flood carriers price differently again. We'll quote NFIP and private markets side by side so you can see your actual numbers.

Wind mitigation refers to features of your home that reduce damage from high winds — impact-resistant windows, hurricane straps, a hip roof, or reinforced garage doors. A licensed inspector evaluates your home and completes Florida's wind mitigation form (OIR-B1-1802, revised effective April 1, 2026). Credits apply to the windstorm portion of your premium and are set by each carrier's filed rating plan. Savings vary widely — homes with several qualifying features often see meaningful reductions, while a home with no qualifying features may receive little or no credit. An inspection typically costs $100–$200 and is usually worth doing before renewal if your home has any of the features above, or if your last report is more than five years old. Call us and we'll tell you whether it's likely to pay for itself in your case.

Florida's insurance market has faced significant pressure in recent years — increased hurricane frequency, litigation costs, and reinsurance price increases have all pushed premiums higher across the board. The good news: as an independent agency, we can re-shop your coverage across multiple carriers to find a better rate. Call us before your renewal and we'll review your options.

A standard Florida homeowners policy covers your dwelling structure, personal belongings, liability, and additional living expenses if you're displaced. It does NOT cover flooding (requires a separate flood policy) or earth movement. Many policies also carry a separate, higher deductible for hurricane damage. We recommend reviewing your policy with us annually so you know exactly what you have.

Florida requires a minimum of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Florida is a no-fault state, meaning your own PIP coverage pays your medical bills regardless of who caused the accident. However, these minimums are quite low — we recommend adding Bodily Injury Liability and higher limits to properly protect your assets.

PIP pays 80% of reasonable medical expenses and 60% of lost wages, up to your PIP limit — $10,000 under a standard Florida policy — regardless of who caused the accident. It applies to you, relatives living in your household, and passengers without their own PIP. Two Florida rules matter enormously and are easy to miss. First, you must receive initial medical care within 14 days of the accident; if you do not, PIP benefits are not available at all (Fla. Stat. § 627.736(1)(a)). Second, benefits are limited to $2,500 unless a qualified medical provider determines you had an emergency medical condition, in which case the full $10,000 limit applies. PIP does not pay for damage to your vehicle and does not cover pain and suffering. This is a general summary, not a statement of your coverage — your policy language and limits control. Call us at (386) 672-2827 to review yours.

Yes — we strongly recommend it. Florida has one of the highest rates of uninsured drivers in the country (roughly 1 in 5). Uninsured motorist coverage protects you if you're hit by a driver with no insurance or not enough to cover your damages. Without it, you could be left paying your own medical bills and repair costs after an accident that wasn't your fault.

First, make sure everyone is safe. Then: (1) Document all damage with photos and video before cleaning anything up. (2) Make temporary repairs to prevent further damage and save all receipts. (3) Call your carrier's claims line — numbers are on our Claims Hub page. (4) Call us — we'll help you understand the process and make sure your claim reaches the right person at the carrier. Take the time you need to document the loss fully before you agree to a settlement figure, and ask for anything you don't understand in writing. Capital Partners is a licensed insurance agency; we are not public adjusters and we do not adjust, negotiate, or settle claims.

That depends on the amount of the damage relative to your deductible, your policy's notice requirements, and how a claim may affect future pricing. Reporting a loss to your carrier is not the same as filing a claim, and most Florida policies require prompt notice of a loss — so tell us or your carrier what happened even if you are unsure whether you'll pursue it. Call us at (386) 672-2827 and we'll walk through the considerations with you; the decision is yours.

Simple claims (minor water damage, small auto accidents) are often settled within 1–3 weeks. Complex claims — major storm damage, total losses, disputed liability — can take months. For residential property claims, Florida law generally requires the insurer to acknowledge your communication within 7 calendar days, to begin its investigation within 7 days of receiving your proof-of-loss statements, and to pay or deny the claim within 60 days of receiving notice — subject to tolling and to factors outside the insurer's control (Fla. Stat. § 627.70131, as amended effective March 1, 2023). Different rules apply to auto and other lines. These deadlines change with legislation; confirm the current requirement with the Florida Department of Financial Services Insurance Consumer Helpline at 1-877-693-5236 or with counsel before relying on a date. If your claim is taking longer than expected, contact us and we'll help you follow up with the carrier.

Call us at (386) 672-2827 or email us and we'll handle it. Common changes include adding or removing vehicles or drivers, updating your address, adding a new property, adjusting coverage limits, or adding an umbrella policy. Some changes can be made the same business day; others require the carrier's underwriting review and are not effective until the carrier issues the endorsement. A change is not in effect until we confirm it to you in writing — please do not assume coverage is in place based on a voicemail or an email you have sent us. If you need coverage effective on a specific date or time, call us at (386) 672-2827 during business hours (Mon–Fri, 9:00 AM – 5:00 PM ET) and tell us the deadline.

That's exactly where having an independent agent works in your favor. If your carrier raises rates, provides poor service, or stops writing in your area, we can re-shop your coverage across our 20+ carrier network and move you to a better option — without you having to find a new agent. Just call us and we'll do the work.

At least once a year, ideally before your renewal date. You should also review coverage after any major life change: buying or renovating a home, purchasing a new vehicle, getting married, starting a business, having a child, or a significant change in income. Call us for a free annual review — it takes about 20 minutes.