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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!

What makes Innovative Insurance unique in the industry?

We are a full-service insurance agency, with excellence in customer service as our number one priority. We specialize in insurance options for builders and contractors, and our staff is able to write all lines of insurance. Since our establishment in 1992, we have worked hard to be a one-stop insurance solution for our clients, and continue to handle all business and personal insurance needs with courtesy and confidentiality. We proudly serve areas in South Florida from Coral Springs and Ft. Lauderdale all the way to West Palm Beach.

What types of business or commercial insurance do you offer?

As a business owner, commercial insurance plays an important role in being successful. Our staff understands this and offers insurance options that include workers compensation, construction insurance, general liability, commercial property, flood, wind, and group health, among many others. We offer coverage through top-rated carriers to ensure you receive the best possible coverage at the most competitive prices.

What types of businesses do you insure?

We pride ourselves with our specialization in the construction industry of South Florida; from our office in Coral Springs we serve Ft. Lauderdale, Palm Beach, and all other areas in South Florida. We also offer insurance coverage for condominium associations and HOAs, along with restaurants and nightclubs, retail stores, manufacturers, and professional offices.

What specific insurance options are available for the construction industry?

Among the many programs available, our staff writes programs for general contractors specializing in residential, commercial, and remodeled structures. In addition, we provide many coverage options for artisan contractors including plumbers and painters, as well as specialists in electrical industries, AC/HVAC, flooring, drywall, roofing, landscaping, concrete, cabinetmakers, and carpenters, with one sure to be exactly what you need.

In addition to personal and business insurance options, do you offer any other services?

Along with full-service insurance options, we also provide a range of payroll solutions designed to ensure your payroll requirements are met in an efficient and timely manner. We work with a network of payroll providers, and allow you to compare the rates and services of various payroll companies to select the option that best fits your regular payroll needs and individual budget.

We Pride Ourselves On Our Service!