Our Services

We currently provide the following services

  • Automobile Insurance
  • SR-22
  • FR-44
  • Owner’s & Non-owner’s Insurance policies
  • High Risk Insurance
  • Indemnity products
  • Boat Insurance and Personal Watercraft Coverage
  • Marine Products
  • Marine Artisan Liability & General Liability
  • Motorcycle Insurance
  • RV/ Motor Home Insurance
  • Business Owner Policies
  • Builder Risks
  • Bonding: Surety Bonds, Performance Bonds
  • Condo Insurance (HO-6 and Condo Associations/Master Hazard)
  • Contractor’s General Liability & Excess Liability Products
  • Commercial Lines (Retail, Storefronts, Auto Repair Shops, Offices, etc.)
  • Flood Insurance
  • Homeowner’s Insurance
  • Landlord Insurance
  • Life Insurance & Annuities
  • Personal Umbrella Insurance
  • Professional Liability/ E&O
  • Pet Insurance
  • Renter’s Insurance
  • Worker’s Compensation
  • & More!

Frequently Asked Questions

Do I need to buy Insurance before I register my car in Florida or do I insure my car before I register it?

In the State of Florida, you have to insure your car before you register your car with the Tax Collector or Florida Tag agency.

What is the most minimum Insurance I can carry on my Florida car?

Minimum Auto Insurance Limits in the state of Florida consist of two coverages: Personal Injury Protection (PIP) with a minimum limit of $10,000 and Property Damage Liability with a minimum limit of $10,000

How can I compare Auto Insurance Quotes?

Barefoot Insurance Brokers is an independent brokerage in the State of Florida that works with 15 auto insurance carriers to compare the rates for you and offer you the best car insurance value to fit your needs.

Does my credit affect my car insurance rate?

The short answer is yes. Auto Insurers in Florida utilize a Risk Assessment Indicator which is a numerical score based partially off the information on your credit score. Combined with a number of other factors like your age, driving history, accident history and zip code, insurers base your rate on a combination of all of this data.

Does my location affect my auto insurance rate?

Yes. The more metropolitan the area is that you reside, the higher the rates would be compared to life in a rural area. If you reside in an area of Florida that’s considered “risky” like Dade County, Broward County, Palm Beach County, Duval County and Hillsboro county, you are likely amongst the highest auto insurance rates in the country.

Do I need to surrender my license plate when I cancel my car insurance?

Yes. The State of Florida gives you 30 days from the date of cancelling your auto insurance to surrender your license plate back to the FLHSMV. If you fail to handle that within the allotted time, the FLHSMV will move to suspend your driver’s license. The suspension can only be lifted by surrendering the tag and paying a reinstatement fee or insuring your car again to show proof to the DMV and then paying the reinstatement fee.

What is an SR22?

A Florida SR22 requires a driver to carry a split Bodily Injury Liability limit of $10,000 per person and $20,000 per incident on their auto insurance coverage and file a form with the DMV for 3 years from the date of purchasing this financial filing. Usually you would need this Florida SR-22 if you were caught driving without insurance, were involved in a car accident with inadequate insurance limits or if you have exceeded the point threshold on your driver’s license.

What is an FR44?

A Florida FR44 requires a driver to carry a split Bodily Injury Liability limit of $100,000 per person and $300,000 per incident on their auto insurance coverage and file a form with the DMV for 3 years from the date of purchasing this financial filing. Usually you would need this Florida FR-44 if you were charged with a DUI or DWI or Driving while under the influence or intoxicated on a Florida roadway.

How much does it cost to reinstate my Florida Driver’s License if it’s suspended?

It can cost anywhere from $60-$500 to reinstate a suspended driver’s license in fees alone, not including any judgements you may have against you after an accident. Typically if you’re reinstating your license after an insurance suspension, it’s $150 after the first offense, $250 after the second offense or $500 each time after that.

What happens if I don’t surrender my license plate when my car insurance cancels?

If you fail to surrender your Florida license plate after the auto insurance cancels, you will experience a suspension of your driving privilege within about 45 days.

How do I cancel my Florida Car Insurance?

It depends on why you’re cancelling. If you’re dissatisfied with your auto insurance company, it’s important to find replacement coverage in order to cancel your policy…you can’t just cancel because you want to typically since you signed a contract…you have to prove that you have replacement coverage in order to cancel a prior contract. If you’re cancelling because you no longer own a vehicle, its simple to surrender your license plate and cancel your insurance by submitting the Surrender receipt as proof. Were you added onto your parents policy? No problem, just submit a copy of your replacement declaration page and it’s typically very simple for your agent to offer you a cancellation request to e-sign and submit to your carrier.

 What kind of discounts are available on my auto insurance?

Most auto insurance carriers offer an array of discounts on your Florida auto insurance coverage including paperless billing, homeownership discounts, a discount for paying your insurance in full, multi-car discounts, continuous insurance discounts, safe driver discounts, defensive driving class discounts for senior citizens, and discounts for vehicle safety features like lane assist and auto-braking.

Can I bundle my car and homeowner’s insurance in Florida?

In Florida, with our ever-changing homeowner’s insurance marketplace, it is more difficult to bundle your Auto Insurance with your homeowner’s insurance.
On the contrary, with programs like Progressive Insurance, it is very simple to bundle your car and motorcycle, RV Insurance, boat insurance, commercial auto insurance and even your Renter’s insurance. Look no farther for a Progressive agent who can get you started! 

Why did my car insurance premium change?

Auto Insurers in Florida are allowed to change their rates up to two times per year with the Department of Financial Services. In addition to allowable rate changes, insurers regularly “Tweak” rating factors to make sure that they’re properly identifying the category of risk that you fall into within their program.


Does the kind of car I drive influence my auto insurance rate?

Yes, it can. Safer cars with lower replacement cost values can often be less expensive than cars that cost more to repair or replace after an accident or claim.

Why do I need to disclose other household residents on my car insurance application?

In Florida, we’re required to disclose every adult over the age of 15, whether licensed or not, on our auto insurance policies. This is because our Personal Injury Protection, or PIP Insurance, can extend to cover any household resident involved in a car accident.


Why is Florida a no-fault state?

A no-fault state doesn’t mean that you’re not at fault in an accident, it simply means that regardless of who was at fault in an accident, you can utilize your own Florida PIP (Personal Injury Protection) insurance to immediately treat for any medical issues sustained in an accident up to the limit of $10,000 (and subject to sub-limits and deductibles). By forcing every driver to carry their own Personal Injury Protection (PIP), we take responsibility for ourselves and minor medical losses are covered on our own policy.

What is covered under comprehensive insurance?

Comprehensive auto insurance coverage is best described as covering “acts of god.” Comprehensive can cover cracked or shattered windshields, hail damage, wind damage, water/rain damage, a tree falling on your car, loss by theft, or even hitting a deer or another animal.

Is my friend covered if they drive my car?

If your auto insurance contract includes a feature called “permissive use,” then your existing Florida coverage should extend to all individuals with permission to drive your car. In order to confirm, please contact your Florida licensed auto insurance agent.

Can I get a free quote for auto insurance?

A licensed Barefoot Insurance Broker is happy to provide you with free auto insurance quotes and car insurance policy analysis at your leisure. Call our office at 954-368-0060 today and dial 1 for a free quote.

Do you provide coverage throughout the State of Florida?

Despite locations in Broward County and Brevard County, Barefoot Insurance Brokers can provide you with auto insurance, car insurance, homeowner’s insurance, marine coverage, aviation insurance, and all lines of commercial insurance throughout the entire State of Florida.

Does a ticket affect my car insurance price?

Yes. Your auto insurance rate is affected by the number of points on your driver’s license.

What does full coverage mean?

If you ask me what full coverage means, I’d tell you that you’d need every available feature on your auto insurance to call it “full coverage.”
Most people are ONLY referring to the comprehensive coverage and collision coverage on the automobile itself when they say FULL COVERAGE which doesn’t necessarily include Bodily Injury Liability, Uninsured Motorist coverage and many other important coverages that you should be considering.

What is GAP Insurance?

GAP insurance is a product designed to cover your financial interests when you finance a new car and you have a GAP in the ACV (Actual Cash Value) of your automobile and your loan.

Can an insurance company deny a claim?

Yes, if you are driving illegally, breaking state or federal laws, or materially misrepresented yourself/ household on an application, the insurance company can deny a claim. It is important to disclose all household members when purchasing an automobile insurance policy.

When should you drop comprehensive and collision coverage?

Comprehensive and collision coverage will only pay out the value of the vehicle less the deductible at most.  If you are driving a vehicle whose value is $1000 or less, the cost of inuring it for comprehensive and collision coverage does not make sense when you consider the deductible.  Knowing the value of your vehicle and the deductible amount for comprehensive and collision coverage is key to making an informed decision.

Is my trailer covered by auto insurance?

In general, most auto insurance policies will provide liability coverage for trailers if you own it. Many auto insurance policies do extend this type of coverage to trailers if they are being pulled by your insured vehicle at the time of an accident. We cannot say for certain if your policy would cover a trailer since state laws and insurance company guidelines and policy terms vary greatly.

Is there a maximum number of claims per year you can file?

While there is no limit, an auto insurance company can refuse to renew your policy.

What is an insurance deductible?

An insurance deductible is the amount of money you pay before your insurance company pays out on the claim.

Can I put anyone on my automobile insurance policy?

You may include members of your household.  They must reside at your address.


Does a parking ticket affect my insurance premium?

A parking ticket should not affect your premium, however moving violations will impact your insurance premium.  It is important to disclose all violations when shopping for an insurance policy to insure you are receiving accurate rates.

Does my auto insurance cover rental cars?

Depending on your coverage and the insurance company you are insured with, you may be covered for a rental car if it is damaged in an accident.  In general, the liability coverage will transfer to the rental car, however, the comprehensive and collision coverage may not. Always check with your insurance agent before renting a vehicle to make sure you are covered.

Do I need commercial auto insurance?

Depending upon your occupation and the use of your vehicle, you may need to carry a commercial policy.  For example, if you are doing deliveries including uber eats and other food delivery services, you will need to have a commercial policy.

Does my auto insurance policy cover mechanical repairs?

Most repairs due to wear-and-tear, are not covered by auto insurance.  However, repairs resulting from vandalism or a car accident may be covered.

How long can my child stay on my auto insurance?

There is no cutoff age on auto insurance. As long as your child lives in your household, they may remain on your policy. They should also be disclosed if they are away at school, but still a resident of your household.

Is my windshield automatically covered by my insurance policy?

No. Your windshield is covered only if you carry comprehensive and collision coverage.

Does my insurance cover storm damage?

Your vehicle may be covered if you carry comprehensive coverage.

Does being married affect my insurance rate?

Yes, marital status does affect insurance rates. Married people are seen as lower risk drivers.