Meet our licensed agent Davina Kornegay!

Meet our licensed agent Davina Kornegay!

by | Jun 7, 2024 | Florida Insurance, Personal Insurance

Davina Kornegay, licensed insurance Broker with Barefoot Insurance Brokers is working with over 18 unique auto insurance carriers at present to bring you the most competitive pricing for the following Florida insurance products:

  • Automobile Insurance
  • Motorcycle Insurance
  • Antique/ Classic Auto
  • Commercial Auto
  • Heavy Truck Insurance
  • Boat, RV, and ATV Insurance
  • Renter’s Insurance
  • Condo Insurance
  • Homeowner’s Insurance
  • SR-22
  • FR-44
  • Owner’s & Non-owner’s policies
  • Contractor’s General Liability
  • Commercial Lines (Retail, Storefronts, Auto Repair Shops, Offices, etc.)
  • Life Insurance & Annuities
  • Personal Umbrellas
  • AFLAC
  • & More!

Most consumers are currently paying more than they’d like for their Florida insurance Products and I’m interested in helping you find a better value for your Florida insurance needs. I can also work with clients who don’t presently have Florida car insurance but are in immediate need for coverage—I can quote and bind auto insurance on the same day!

The market for insurance is always changing in Florida. Obtaining free quotes is a simple step in finding out whether there is money to be saved or at least become more knowledgeable about that type of insurance you’re purchasing for yourself.

For auto insurance, it might be useful to know how you plan on using your vehicle such as pleasure, commuting, or business use on the Florida Roadways. Especially with heavy trucks, which can carry an assortment of goods or services, it is always best to know exactly what it will be used for, your mileage radius from your home or business headquarters, and how often you’ll be visiting jobsites or new clients. This can be particularly important because it gives me, your insurance agent, a better idea of what carriers will underwrite your particular risk and offer you affordable coverage.

 Davina’s main coverage territories span all over Brevard County including Palm Bay, Melbourne, Titusville, Mims and the coastal areas including Merritt Island, Cocoa Beach and Indian Rocks Beach. Davina Kornegay is a licensed Property & Casualty Insurance Broker in Florida. 

Davina Kornegay will strive to offer you the most competitively priced insurance options for your needs across the State of Florida. Call 321-218-3880 or text (321)222-7965 or email me at davina@barefootins.com today to complete a NO OBLIGATION analysis of your current insurance policies and FREE QUOTES to save you some money on your Florida insurance coverages.

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🛥️ Attention Marine Artisan Contractors! 🛥️

🛥️ Attention Marine Artisan Contractors! 🛥️

by | Apr 24, 2024 | Florida Insurance, Marine Insurance

Navigating insurance can seem like navigating rough waters, but we’re here to make it smooth sailing for you! Did you know that packaging your Marine Operator Legal Liability (MOLL) insurance with a standard General Liability Insurance can be simple and affordable?

Introducing Davina Kornegay, your trusted Independent Insurance Agent with Barefoot Insurance Brokers! Davina specializes in assisting clients in Coastal Indian River county, including Vero Beach, Sebastian, Satellite Beach, Patrick Shores, Indialantic, Cape Canaveral, and throughout Merritt Island with all insurance needs, including coverages for Marine Contractors and Marine Artisan Contractors.

Let Davina guide you through the process and help you find the right coverage tailored to your needs. Protect your business with confidence! ⚓🔒

Contact Davina today to learn more and secure your coverage! Davina is best reached via email davina@barefootins.com or by call/text to 321-222-7965

#MarineInsurance #MOLLIinsurance #GeneralLiability #BarefootInsuranceBrokers #CoastalInsurance #VeroBeach #Sebastian #SatelliteBeach #Indialantic #CapeCanavera l#MerrittIsland

How do I surrender my license plate to the FLHSMV when I move out of Florida?

How do I surrender my license plate to the FLHSMV when I move out of Florida?

by | Jan 23, 2024 | Florida Insurance, Personal Insurance


To surrender your license plate to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) when you move out of Florida, you can follow these general steps:

  1. Remove the Plate: Take off your license plate from your vehicle. Ensure that you keep the registration sticker, as you may need it for documentation. You’ll probably need to purchase insurance and plate your vehicle in your new home state before taking this step.
  2. Visit an FLHSMV Office: Locate a nearby FLHSMV office or tax collector’s office. You can use the FLHSMV website or contact their customer service to find the nearest office. If you’re out of Florida already, the plate can be mailed. The address is: DHSMV
    Return Tags
    2900 Apalachee Parkway
    Tallahassee, FL 32399
  3. Surrender the Plate: Bring the removed license plate to the FLHSMV office. You may be required to complete a surrender form, which can be provided at the office.
  4. Provide Documentation: Bring any required documentation, such as your driver’s license or identification, vehicle registration, and proof of insurance.
  5. Pay Fees (if applicable): Check with the FLHSMV office to see if there are any surrender or processing fees. Some states may require a fee for surrendering license plates.
  6. Obtain a Receipt: Once you have surrendered the license plate, make sure to obtain a receipt or confirmation that you have surrendered it. This can be useful for your records. If you’ve mailed the plate, mail it certified mail with a return receipt and access the FLHSMV servicing portal here to ensure that your driver’s license doesn’t suspend in Florida in about 45 days from mailing the plate. https://mydmvportal-flhsmv.my.site.com/

It’s always a good idea to check with the specific FLHSMV office you plan to visit or contact their customer service for any additional requirements or information specific to your situation. Keep in mind that the process may vary, and it’s essential to comply with Florida’s regulations regarding license plate surrender when moving out of the state. The Phone number for FLHSMV is 850-617-2000.

*Information was primarily obtained from flhsmv.gov

If you have specific insurance or car insurance related questions within the State of Florida or you’re looking for an indpendent auto insurance broker to provide you with auto insurance quotes when you’re new to Florida, please contact Allie Horblitt with Barefoot Insurance Brokers at 786-440-8242 or by email at allie@barefootins.com.

National Impaired Driving Prevention Month

National Impaired Driving Prevention Month

by | Dec 21, 2022 | Personal Insurance

In the month of December, a handful of organizations have banded together to bring social awareness to impaired driving in the United States. The organizations that have deemed this month: “National Impaired Driving Prevention Month”

The Organizations involved in this alliance include:

  • National Highway Traffic Safety Administration
  • U.S. Department of Transportation
  • White House’s Office of National Drug Control Policy
  • U.S. Department of Health
  • Human Service’s Substance Abuse and Mental Health Services Administration

More vehicular related deaths occur during the holiday season than any other time of year making it the clear choice that December was chosen as the awareness month to prevent impaired driving on American roadways and especially within the State of Florida.

Drunk driving, one of many possible impairments while behind the wheel of a car, contributes to a third of traffic fatalities. According to data collected in 2018, the last week of the year drunk driving fatalities increased to half of all traffic fatalities in the United States and almost laterally to the statistics in the State of Florida.

In 2021 there were over 10,000 deaths due to impaired driving across the United States; out of those 799 deaths occurred on Florida roadways.

The most dangerous cities on Florida Roadways are two of our top travel destinations: Orlando and Daytona. In 2016 Orlando was ranked as the 6th most dangerous city in Florida and Daytona ranked the 9th, according to data published by FLHSMV.

If you’re caught, or worse, involved in an accident while driving under the influence of drugs or alcohol in Florida you are subject to some strict penalties including fines, fees and possible jail time. You’re also, as always, responsible for your third-party Bodily Injury Liability that could arise from an incident on a Florida roadway which could directly translate to a lawsuit. The average amount spent on the costs associated with a DWI/DUI in the State of Florida in 2022 is $14,000 for one driver caught driving under the influence without considering the possibility of an injury or accident. 

In addition to the costs, your license would most likely become suspended or revoked and you’d end up needing to take specific advanced driver education within Florida and be forced to carry a Florida FR44 for 3 years from the date of the conviction. 

What is a Florida FR-44?

An FR-44 certificate is a notice to the State of Florida’s FLHSMV that you’ve obtained the proper coverage to be legal to drive on the roadways, with insurance supervision from the state officials. The FR44 is a requirement for people with severe driving offences, such as a DUI/DWI conviction occuring on a Florida roadway. An FR-44 requires higher liability coverage than a SR-22 which is only a $10,000 per person liability requirement to the Florida DMV or FLHSMV. The cost range is typically $600-$2000 every 6 months for a non-owner policy (like if you need the Florida FR-44 Filing but you don’t own a vehicle) and can range in cost between $700-5000 (sometimes more if your car needs physical damage coverage) every 6 months for the required $100,000 per person liability on the Florida FR44 as a vehicle owner. If your license has been suspended and you then become convicted of a DWI in Florida, an FR44 certificate is required in order to reinstate your license and must be maintained continuously without lapse for 3 years.

In the month of December you can display a blue ribbon to bring awareness to impaired driving on the Florida roadways. 

Are you interested in more information on how to prevent impaired driving and what you can do as a consumer and citizens?

Do you need assistance with your Florida FR-44 Insurance filing? If you’re in the market for new FR44 quotes, rates, a new policy or information, call 321-218-3880, extension 6 to speak with Allie Horblitt. 

Allie Horblitt, Insurance Agent with Barefoot Insurance Brokers, works out of both the South Florida and Central Florida offices and can write Florida FR44 Insurance across the state, but specializing in Car insurance coverage in Duval County, Nassau County, Jacksonville, St Johns County, St Augustine, Yulee, all through the Space Coast and the Greater Tampa Area. 

Holiday Shopping & Comprehensive Insurance

Holiday Shopping & Comprehensive Insurance

by | Dec 6, 2022 | Personal Insurance

The winter holidays are here and our shopping has commenced! While gift shopping for your loved ones this winter season, your Insurance agent at Barefoot Insurance Brokers wants to make sure to take extra precautions to protect your valuables and yourself from all of the perils of the holiday season.

 

Some safety tips to keep in mind this holiday season are:

 

– Keep your shopping bags out of plain sight and in your trunk if possible. Take the “out of sight, out of mind” approach to protecting your holiday purchases and keep thieves from breaking into your car in crowded parking lots. Did you know that your comprehensive insurance on your Florida auto insurance policy doesn’t cover the cost of replacement for your side windows if broken, unless you exceed your deductible amount?

– Lock your vehicle. Locking your car can prevent unnecessary theft of your vehicle and it’s contents during the shopping rush. Many criminals will walk through rows of cars in shopping mall parking lots checking door handles to steal your belongings without forceful entry. 

– Park your vehicle in well-lit areas. The more well-lit the parking lot is while shopping at night, the more you’d deter unwanted entrance in your vehicle or even people approaching you while you’re in public.

– Have your keys in hand when approaching your car. Many victims of theft aren’t paying attention to their surroundings. Your prospectus in a parking lot should be to enter your vehicle and safely pull away as quickly as possible and not to loiter around. You don’t want to attract any unnecessary attention when you exit a store alone with expensive merchandise.

 

When and if an incident does happen, it’s important to know that there are car insurance coverages that protect and help ease the financial burden of a loss. Comprehensive auto insurance coverage is an optional coverage on your Florida auto insurance policy that protects you against non-collision damage to your vehicle: theft, vandalism, glass (exceeding the deductible) and windshield damage, weather related damages and other acts of nature. Your comprehensive auto insurance can be included on your existing state required PIP and Property Damage Liability coverage and you likely carry this portion of physical damage coverage if you’re currently financing or leasing your vehicle. In the State of Florida when you have comprehensive insurance coverage and your windshield has a crack, your insurance will cover a replacement, unlike your side windows and rear windshield that may be subject to your deductible.

 

In the event of theft of your personal belongings or purchased merchandise from your vehicle, your existing renter’s insurance, Florida Condo Insurance or homeowner’s insurance could couple with the auto insurance company to provide financial relief. Comprehensive will cover components and features that are permanent in your car but not the merchandise.

 

Your major credit card company like Visa, Mastercard, American Express and Discover may also have sublimits within the user agreement that help to reimburse you for expenses or costs related to lost or stolen merchandise. If you’re a victim of a  burglary related crime in Florida this holiday season, you may have several options available to recuperate the expenses related to your circumstance.

 

A licensed insurance broker with Barefoot Insurance Brokers of Florida can better help you understand what’s covered on your existing auto insurance as well as help you find more affordable and efficient insurance products. We recommend that you reach out to Julia Dourvetakis via call or text at 954-866-5723 this holiday season for helpful insurance insight, advice and quotes to protect you and your loved ones.

 

Julia Dourvetakis can service your property insurance needs across the State of Florida with a focus on the coastal regions of Central and South Florida including Titusville, Merritt Island, Cocoa Beach and Indialantic Florida and an emphasis on high-risk regions in Palm Beach, Broward, Dade and Monroe Counties.