Question 1

What information do I need to get an insurance quote?

Accepted Answer

For most quotes, having basic details ready helps — such as your contact information, property or vehicle details, current policy information if you have it, and your desired coverage start date. Our quote request form guides you through what's needed, and a team member can help gather any remaining details during follow-up.

Question 2

How quickly can I receive a quote?

Accepted Answer

After you submit a request, a member of Jill Insures Florida reviews your information and follows up promptly — typically within one business day. Some quotes may take longer depending on the coverage type and information needed. You can also schedule a consultation to speed things up.

Question 3

Can you help with homeowners and auto insurance?

Accepted Answer

Yes. We assist with both homeowners and auto insurance, along with flood, business, and general liability coverage. If you're interested in multiple policies, select 'Multiple Policies' on the quote form and our team can review your options together.

Question 4

Do Florida homeowners need flood insurance?

Accepted Answer

Flood insurance is an important consideration for many Florida property owners. It's often separate from standard homeowners coverage, and whether it's required can depend on your flood zone and lender requirements. We can help you understand your situation — but we can't determine your flood zone status without verified data.

Question 5

What's the difference between homeowners insurance and flood insurance?

Accepted Answer

Homeowners insurance generally covers damage from certain perils like fire, wind, and theft — but typically excludes flooding from rising water. Flood insurance is a separate policy designed to cover flood-related water damage. Many Florida properties benefit from having both, but coverage specifics depend on the policy and carrier.

Question 6

What does general liability insurance cover?

Accepted Answer

General liability insurance is designed to help protect businesses from third-party claims of bodily injury, property damage, and personal/advertising injury. It's commonly used by contractors, small businesses, and service providers. The specific coverage depends on the policy terms and limits selected.

Question 7

What insurance might a small business need?

Accepted Answer

It varies by business type and operations. Common considerations include general liability, commercial property, a business owners policy (BOP), commercial auto, and workers compensation. We help Florida businesses evaluate which coverages may be appropriate — never implying every business needs every coverage.

Question 8

Can I request a policy review before my renewal?

Accepted Answer

Absolutely. A policy review before renewal is a great time to evaluate whether your current coverage still fits your needs. Request a policy review through the quote form and note your renewal date in the additional notes field.

Question 9

Can I schedule a call instead of completing everything online?

Accepted Answer

Yes. You can schedule a 15–30 minute quote consultation directly through our booking page. We're available Monday–Friday, 8 AM – 6 PM Eastern. You can also call us directly during business hours.

Question 10

What areas do you serve?

Accepted Answer

Jill Insures Florida, representing Florida All Risk Insurance Agency, is based in St. Petersburg and serves clients across all of Florida. Whether you're in Tampa Bay, South Florida, the Panhandle, or anywhere in between, reach out and we'll let you know how we can help.

Question 11

Is Luna a licensed insurance agent?

Accepted Answer

No. Luna is our virtual insurance assistant designed to help you identify which insurance service you might need, answer general questions, collect lead information, and initiate quote requests. Luna is not a licensed insurance professional. For specific coverage advice, our human team follows up with you.

Question 12

Does submitting a quote request bind coverage?

Accepted Answer

No. Submitting a request does not create, bind, modify or guarantee insurance coverage. Coverage is subject to eligibility, underwriting, policy terms and carrier approval. A quote request is simply the first step in exploring your options.

Frequently Asked Questions

Your Insurance Questions Answered

Learn More About Each Coverage Type

Homeowners Insurance

Auto Insurance

Flood Insurance

Business Insurance

General Liability Insurance

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