Insurance Questions, Answered Plainly

Typically 2 minutes or less to send us your details online or by phone. A local AJP agent then reviews your options and gets back to you during office hours.

Yes. Pick every coverage you're interested in on the quote form and we'll look at them together, so you have one agent for everything.

Yes. Quotes are free and there's no obligation to buy.

No. You can get a quote online or over the phone. If you'd like to talk face to face, our Sunrise office is open Monday to Friday 9am to 6pm and Saturday 8am to 12pm.

The right plan depends on your needs, budget, family situation, and coverage preferences. AJP Agency can help you explore available options and make a more informed decision.

Florida requires personal injury protection (PIP) and property damage liability on registered vehicles. Many drivers also choose bodily injury liability, uninsured motorist, collision and comprehensive for fuller protection. Your agent can confirm current requirements for your situation.

No. "Full coverage" usually means liability plus collision and comprehensive. Every policy has limits, deductibles and exclusions, which we explain before you buy.

Many Florida policies cover wind damage from hurricanes, usually with a separate hurricane deductible. Flooding from storm surge is typically not covered without a flood policy. We'll walk you through your policy's details.

It depends on your property and your lender, but flooding can happen outside high-risk zones, and standard home policies usually exclude it. Ask us to look at flood options alongside your home quote.

Usually not. A landlord's policy typically covers the building and their liability, not your belongings or your liability.

Life insurance can help provide financial protection for your loved ones, helping them manage expenses and maintain financial stability if you're no longer there to support them.

Term is usually more affordable and fits needs with an end date, like a mortgage or raising children. Permanent coverage lasts longer and can build cash value. We'll explain both plainly.

Health insurance may help cover eligible medical expenses, including hospital stays, treatments, and other healthcare services, depending on your selected plan and policy terms.

Health insurance pays providers for medical care. Critical illness insurance pays you a lump sum on diagnosis of a covered condition, which you can use however you need.

Many pet insurance plans let you visit any licensed vet. We'll confirm for the plan you choose.

Usually only up to a low limit for theft, and some losses may not be covered at all. A personal articles policy covers each item at its scheduled value.