Looking for Your St. Augustine Insurance Partner?

Whether you are new to the St. Augustine FL area, or you are simply interested in changing your insurance coverage, you should talk with the Tim Huber Insurance and Financial Services Agency. 

In business for 13 years, this is a family business created by husband and wife team Tim and Tammy Huber. The team took a leap of faith while their sons were both still in diapers, and they’ve never looked back. Instead, they built a local agency with the support of their community. 

Both Tim and Tammy Huber had prior experience in the industry; Tim was a successful Sales Professional and Tammy worked her way up from operations into Underwriting. Obviously, there is a wealth of industry knowledge within this friendly agency at 28 Clark Street.

Today, the Tim Huber Agency represents over 50 different insurance companies with wide-ranging criteria and policy programs. What that means for consumers is great coverage and great pricing! It allows Tim to shop around and find the perfect coverage for your needs and your budget. He is not limited to only one company and can cover a much larger range of situations with the multiple companies that he works with on a daily basis. 

In Florida, like almost all of the 50 states, automobile insurance coverage is mandatory. The required minimum coverage limits are $10,000 for personal injury protection and $10,000 for property damage coverage. While these coverage amounts are the only mandatory ones, you would be wise to discuss other coverage types with Tim, as well as higher limits, to better protect yourself in the event of an accident or other incident.

Every driver’s circumstances are different, so the best way to find out what options are available to you is to contact the Tim Huber Insurance Agency and speak with the professionals about your needs.


Top 5 Florida Homeowners Insurance Questions

Perils that a typical homeowner can face include damage or loss to their home or property from fire, theft, lightning, hail and wind. While no one plans to lose their St. Augustine, FL home due to these risks, it happens every day. If your home was ever damaged or destroyed, how would you pay to repair or rebuild it? That’s where homeowners insurance has got you covered. Here are the top five questions property owners have about homeowners insurance:

What is Homeowners Insurance?

Homeowners insurance is an insurance policy that protects the investment you have made in your home and property. It provides you with coverage for specific hazards or covered lawsuits.

What Determines My Home Insurance Premium?

While every insurance company is different, and your premium will be calculated on the coverages and limits of your specific policy, there are several basic universal underwriting factors included in most policies, which include:

  • The cost to rebuild (not the market value of) your home, including materials and labor
  • Location
  • Wind resistance upgrades to doors and windows that meet Florida Building Codes

What is Actual Cash Value vs. Replacement Cost Coverage?

Insurance coverage for your personal belongings will reimburse you in the event of a covered loss. Actual cash value reimbursement is typically the amount to replace the item with new property of similar quality – minus depreciation for age. With replacement cost coverage, you will be reimbursed for the value of a new item of similar quality in today’s market.

What Factors Should I Consider When Selecting Homeowners Insurance?

While price is obviously a factor, it’s not the most important things. It is a good idea to compare several home insurance companies by using a comparative checklist before making a decision. Some of the criteria to consider include:

  • The company’s financial stability rating
  • How much reinsurance they purchase for hurricanes and other disasters
  • Service accommodations, availability and convenient hours
  • Location of the company office

Why Does My Homeowners Policy Have Two Deductibles?

Your deductible is the portion of costs you must pay for a covered loss. Florida is one of many states that have a separate deductible for hurricanes and “all other perils (AOP).” AOP deductibles cover damage from calamities such as fire, lightning or interior plumbing disasters. After Hurricane Andrew in 1992, due to the devastation, the Florida Legislature introduced separate hurricane deductibles during hurricane season, to make insurance more affordable.

How Can I Lower the Cost of My Homeowners Insurance?

Tim Huber Insurance offers a variety of discounts which can include discounts for the age of your home’s construction, opening protection, policyholder age, burglar/fire/sprinkler systems, roof age/shape, and gated community. Besides discounts, you may be able to make adjustments to your selected policy. Contact our office today to discuss how to arrive at the perfect amount of homeowners insurance coverage for your specific needs.