Question 1

What types of insurance does Just Insurance Svcs offer?

Accepted Answer

We offer a full range of personal and commercial insurance lines including Health Insurance, Medicare (Advantage, Supplement, Part D), Life Insurance, Auto Insurance, Homeowners Insurance, and Commercial/Business Insurance. We work with multiple top-rated carriers to find the best coverage and rates for Florida residents.

Question 2

Is Just Insurance Svcs licensed in Florida?

Accepted Answer

Yes. Just Insurance Svcs is a fully licensed Florida insurance agency (License #L047919). Our agents are licensed, trained, and compliant with all Florida Department of Financial Services requirements.

Question 3

How do I get a free insurance quote?

Accepted Answer

You can get a free quote in several ways: use our online quote tool for Auto or Home insurance, call us at (716) 424-5479, or book a free consultation appointment online. There is no obligation and no cost to compare rates.

Question 4

Do you work with multiple insurance carriers?

Accepted Answer

Yes — we are an independent insurance agency, which means we are not tied to a single carrier. We compare rates and coverage from multiple top-rated insurance companies to find the best fit for your needs and budget.

Question 5

How do I file an insurance claim?

Accepted Answer

Claims are filed directly with your insurance carrier. Log in to your carrier's portal through our Client Center, or call your carrier's claims line (found on your ID card or policy documents). Our agents are also available to guide you through the process — call us at (716) 424-5479.

Question 6

What is the Open Enrollment Period for health insurance in Florida?

Accepted Answer

The ACA Open Enrollment Period (OEP) typically runs from November 1 through January 15 in Florida. Outside of OEP, you may qualify for a Special Enrollment Period (SEP) due to life events such as losing job-based coverage, getting married, having a baby, or moving. Contact us to find out if you qualify.

Question 7

Can I get health insurance if I have a pre-existing condition?

Accepted Answer

Yes. Under the Affordable Care Act (ACA), health insurance plans sold on the marketplace cannot deny coverage or charge higher premiums based on pre-existing conditions. We can help you find a plan that covers your specific health needs.

Question 8

What is the difference between an HMO and a PPO health plan?

Accepted Answer

An HMO (Health Maintenance Organization) requires you to use a network of doctors and get referrals for specialists — typically lower premiums. A PPO (Preferred Provider Organization) gives you more flexibility to see any doctor without a referral, but usually costs more. We help you compare both options based on your doctors, medications, and budget.

Question 9

Do you help with ACA marketplace enrollment?

Accepted Answer

Yes. We are certified to assist with ACA marketplace enrollment. We can help you compare plans, check if you qualify for premium tax credits or cost-sharing reductions, and enroll in the right plan for your household.

Question 10

What is a Health Insurance Consent Form and why do I need to sign one?

Accepted Answer

The CMS-required consent form authorizes a licensed agent to assist you with your health insurance enrollment. It is required by the Centers for Medicare & Medicaid Services (CMS) before an agent can help you select or enroll in an ACA marketplace plan. You can complete and sign it securely on our website.

Question 11

What is the difference between Medicare Advantage and Medicare Supplement?

Accepted Answer

Medicare Advantage (Part C) replaces Original Medicare and is offered by private insurers — it often includes extra benefits like dental, vision, and hearing. Medicare Supplement (Medigap) works alongside Original Medicare to cover out-of-pocket costs like copays and deductibles. The best choice depends on your health needs, budget, and preferred doctors.

Question 12

When can I enroll in Medicare?

Accepted Answer

Your Initial Enrollment Period (IEP) begins 3 months before you turn 65 and ends 3 months after. The Annual Enrollment Period (AEP) runs October 15 – December 7 each year, allowing you to switch or join Medicare Advantage or Part D plans. Special Enrollment Periods may apply if you are still covered by employer insurance.

Question 13

Does Medicare cover prescription drugs?

Accepted Answer

Original Medicare (Parts A & B) does not cover most prescription drugs. You need a Medicare Part D plan or a Medicare Advantage plan that includes drug coverage (MAPD). We can help you compare Part D plans based on your specific medications to minimize your out-of-pocket costs.

Question 14

Is there a cost for your Medicare consultation?

Accepted Answer

No — our Medicare consultations are completely free. As a licensed Medicare agent, we are compensated by the insurance carriers, not by you. There is never a fee to compare plans or enroll through Just Insurance Svcs.

Question 15

What is the minimum auto insurance required in Florida?

Accepted Answer

Florida requires a minimum of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). However, these minimums are often insufficient to fully protect you financially. We recommend higher liability limits and uninsured motorist coverage given Florida's high rate of uninsured drivers.

Question 16

Why is auto insurance so expensive in Florida?

Accepted Answer

Florida has some of the highest auto insurance rates in the nation due to a high number of uninsured drivers, frequent weather events, high traffic density, and historically high rates of insurance fraud. Working with an independent agent like Just Insurance Svcs helps you compare multiple carriers to find the most competitive rate for your profile.

Question 17

Does Florida require bodily injury liability coverage?

Accepted Answer

Florida does not currently require Bodily Injury Liability (BIL) for most drivers, but it is strongly recommended. Without it, you could be personally liable for injuries you cause in an accident. We always recommend adding BIL to your policy for complete protection.

Question 18

Can I get auto insurance with a bad driving record?

Accepted Answer

Yes. We work with carriers that specialize in non-standard auto insurance for drivers with tickets, accidents, DUIs, or lapses in coverage. Rates may be higher, but coverage is available. We can also help you find programs to improve your rate over time.

Question 19

Why is homeowners insurance so expensive in Florida?

Accepted Answer

Florida's home insurance market is heavily impacted by hurricane and tropical storm risk, high litigation rates, and reinsurance costs. Many national carriers have reduced their Florida presence, which has driven up prices. As an independent agency, we compare multiple Florida-licensed carriers — including Citizens Property Insurance — to find you the best available rate.

Question 20

Does homeowners insurance cover hurricane damage in Florida?

Accepted Answer

Standard homeowners policies in Florida typically cover wind damage from hurricanes, but most have a separate hurricane deductible (usually 2–5% of your home's insured value). Flood damage from storm surge is NOT covered by standard homeowners insurance — you need a separate flood insurance policy through the NFIP or a private carrier.

Question 21

Do I need separate flood insurance in Florida?

Accepted Answer

Yes, if you live in a flood zone or want protection from flooding. Standard homeowners insurance does not cover flood damage. Flood insurance is available through the National Flood Insurance Program (NFIP) or private flood carriers. We can help you determine your flood zone and find the right coverage.

Question 22

What is Citizens Property Insurance and should I use it?

Accepted Answer

Citizens Property Insurance Corporation is Florida's state-backed insurer of last resort for homeowners who cannot find coverage in the private market. While it provides an important safety net, private market options often offer broader coverage and comparable rates. We always check private carriers first before recommending Citizens.

Question 23

How much life insurance do I need?

Accepted Answer

A common rule of thumb is 10–12 times your annual income, but the right amount depends on your debts, dependents, income replacement needs, and financial goals. Our agents can walk you through a needs analysis to determine the right coverage amount for your family's situation.

Question 24

What is the difference between term and whole life insurance?

Accepted Answer

Term life insurance provides coverage for a specific period (10, 20, or 30 years) and is typically the most affordable option for income replacement. Whole life insurance provides permanent coverage with a cash value component that grows over time. The right choice depends on your goals — protection, savings, or both.

Question 25

Can I get life insurance if I have health issues?

Accepted Answer

Yes, in many cases. Some carriers offer simplified issue or guaranteed issue life insurance policies that do not require a medical exam. Rates may be higher, but coverage is available. We work with multiple carriers to find options for clients with various health histories.

Question 26

What commercial insurance does a small business in Florida need?

Accepted Answer

Most Florida small businesses need at minimum: General Liability Insurance (required by many clients and landlords), Commercial Property Insurance (if you own or lease a space), and Workers' Compensation (required if you have 4+ employees, or 1+ in construction). A Business Owner's Policy (BOP) bundles general liability and property coverage at a lower cost.

Question 27

Is workers' compensation required in Florida?

Accepted Answer

Yes, for most businesses. Florida requires workers' compensation for businesses with 4 or more employees (full or part-time). Construction businesses must carry it with even 1 employee. Agricultural businesses have different thresholds. Penalties for non-compliance can be severe — we can help you get covered quickly.

Question 28

What is a Business Owner's Policy (BOP)?

Accepted Answer

A BOP bundles General Liability and Commercial Property insurance into a single, cost-effective policy designed for small to mid-sized businesses. It is often the most affordable way for a small business to get comprehensive coverage. We can customize a BOP with additional endorsements based on your industry.

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