Frequently Asked Questions (FAQs)

Why do I need homeowners insurance?
Having a homeowners insurance policy gives you coverage when your home is damaged due to fire, weather,or any unforeseen circumstances. Living in South Florida, we are subject to severe and unpredictable weather throughout the entire year. Each year thousands of homes in Broward, Dade and Palm Beach County are damaged by tropical storms, hurricanes, and tornadoes. The cost of home repairs can devastate personal finances if the proper coverage is not obtained.

What will the cost be for a homeowners policy?
There are different policies for each individual’s needs. Our knowledgeable agents will explain all the details of your home insurance policy and can give you a quote today! We have the right policy to suit your needs and easily structured for any budget.

Why do I need auto insurance?
Auto insurance is a requirement in South Florida. Driving without auto insurance is illegal in Broward, Dade, and Palm Beach County. An uninsured driver can be punished with a fine or suspension of his or her driver’s license if caught driving without coverage. Auto insurance protects you from expenses related to accidents and damage to yourself or others in an accident. While auto insurance is mandatory, full coverage insurance is only required while a car is being financed. Not having enough coverage can make a bad situation even worse. Instead of just paying a deductible to fix your car, you might end up paying the entire bill. Talk to one of our agents today and discuss which auto insurance option is best for you!

How many types of auto insurance do you offer?
We offer a variety of options, including: collision, no fault, bodily injury, property damage liability, uninsured and underinsured motorist coverage, comprehensive, and more. Our knowledgeable agents will be able to customize a policy to suit your needs and stay within your budget. Contact one of the agents at our Coral Springs office for a quote today!


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Business, Liability, & Worker's Comp Insurance

Innovative insurance offers the following Business/Commercial Insurance products: General Liability Insurance, Workers Comp Insurance, Construction Insurance, Business Insurance, and Commercial Auto. For Personal Insurance, we offer: Auto and Homeowners Insurance. From our office in Coral Springs, Florida, we serve Ft. Lauderdale and all surrounding cities, Palm Beach County, and the rest of South Florida. Our address is 5461 N. University Drive, Suite#103 Coral Springs, FL 33067. Our phone number is (954) 340-9551.