• "Tom just saved $500 by switching from Geico to Mercury"
  • "FIS saved a client $569 semi-annually by switching from Mercury to Stillwater"
  • FIS Insures Your Peace of Mind
  • "FIS saved a client $720.00 annually by switching from Progressive to Travelers"

Auto Insurance

Motor Vehicle Image

Motor Vehicle

Car insurance policies may seem pretty similar and it can be tempting to simply choose the cheapest policy you see. However, it’s critical to examine the levels of coverage your policy includes and determine if you have too little coverage or too much.

A typical policy might include any of the following standard coverage options:

  • Bodily Injury Liability If you cause an auto accident and someone else in injured, this insurance covers the injury to the person or people. It also provides for legal defense, but does not cover your car.
  • Property Damage Liability If your car damages property whether it be another car, a light post, guardrail or fence, this insurance covers the damages, plus legal defense.
  • Collision Coverage This optional insurance can cover damage to your vehicle caused by a collision with another car or object.
  • Comprehensive Coverage Another optional insurance, this covers your car from non-collision damages like theft, flood or fire.

Florida Insurance Specialists can help you make sure you have the liability coverage, car replacement, and rental car reimbursement coverage you need.

Motorcycle Image


A motorcycle is an expensive investment, and you deserve coverage that will protect your bike on the open road and beyond. Florida Insurance Specialists have access to a wide variety of insurance policies ranging from new motorcycle replacement, better bike replacement, to accessory coverage.

  • Accessories Coverage This insurance can cover your seats, backrest, saddlebags, radios, chrome pieces and helmets, among other accessories.
  • Bodily Injury Liability Coverage In the event that you injure someone while using your motorcycle, this insurance covers certain damages as well as legal defense.
  • Collision Coverage If your motorcycle hits or is hit by another vehicle, this insurance covers the damages to your bike.
  • Comprehensive Physical Damage This insurance will take care of losses related to anything outside of a collision including fire or theft.
  • Medical Payments This insurance covers the costs of certain medical expenses for you and any motorcycle passengers.
  • Property Damage Liability If you incur property damage while using your motorcycle, this insurances covers damages and legal defense.
  • Uninsured/Underinsured Motorist This insurance pays expenses related to any injuries you suffer as a result of a crash caused by an uninsured driver.

Whether you have a motorcycle, cruiser, scooter, dirt bike, or sports bike, we can help you find the perfect insurance policy.

Boat Image


Accidents can happen any time and often occur when we least expect them to, including when we are relaxing on the water. The friendly agents at Florida Insurance Specialists can help you find a policy that will give you confidence that your boat, yacht, Jet Ski or other watercraft is protected.
Boat insurance policies can provide invaluable coverage for:

  • Damage to your watercraft after a collision with another boat or object
  • Loss of personal property housed on your boat
  • Damage to your watercraft after a collision with another boat or object
  • Towing assistance and gas delivery

You can choose from boat insurance policies that cover your physical watercraft including the sails, hulls, furnishings, motor, machinery and trailer. Coverage can range from liability only to a new boat replacement. You can also select a policy that covers medical payments, damage to property, fishing equipment, hurricane haul out, freeze and more.

Umbrella Image


Life can truly change in an instant. How can you be sure that you will be fully protected in the event of a catastrophic accident? What happens if a child from the neighborhood gets hurt at your home? Or what if your child damages property at school? Or if your tenant’s dog bites a delivery man? For an extra level of liability coverage to guard you and your assets from lawsuits, you may want to consider Umbrella Insurance.

Offering $1 million in protection, Umbrella Insurance is an overarching policy that covers other policies you own including home, auto, boat and more. Umbrella Insurance is triggered once you reach the liability limits on your other policies. It can also fill in the liability gaps that are not included by other liability policies including slander, libel, false arrest and more.
Umbrella Insurance call cover:

  • Damage to property
  • Specific lawsuits
  • Personal liability matters
  • Injuries

You simply cannot put a price on peace of mind. To find out if Umbrella Insurance is right for your family, call Florida Insurance Specialists today.


The objective of the information above is to provide a general description of the coverage options. They do not represent any specific contract of insurance nor do they change definitions stated in any existing contracts. Please call your Florida Insurance Specialists agent and refer to your policy for specific coverage information.