by barefootins | Oct 18, 2025 | Florida Insurance
Welcome to Titusville, Florida â Where Riverfront Charm Meets Affordability
Nestled along the scenic Indian River Lagoon, Titusville, FL is a true coastal treasure for those seeking small-town charm, natural beauty, and affordable home ownership. Itâs the kind of place where you can sip coffee with a waterfront sunrise and still make it to a show or dinner downtownâwithout ever facing city crowds or coastal price tags.
Unique Neighborhoods and Waterfront Living
The Bayview Manor neighborhood features a mix of classic Florida homes, each with its own charm and often framed by majestic river views. For those craving modern luxury, the River Palms Condominiums deliver sleek design, private balconies, and resort-style amenities. And if you prefer a quiet, well-maintained setting, the Pelican Point Condo Association offers gated comfort and community pride, with manicured grounds and easy access to the water.
A Walkable Downtown with Flavor and Culture
Downtown Titusville is small but sophisticated â a few steps can take you from gourmet dining and artisan coffee houses to the Titusville Playhouse, where locals enjoy Broadway-style productions in a beautifully restored theater. Itâs the kind of downtown that invites you to slow down, park once, and enjoy an entire evening on foot.
Outdoor Adventure and Riverside Beauty
Titusville is rich with green space and water access. Locals love Sand Point Park, Space View Park, and the nearby Merritt Island National Wildlife Refuge for morning walks, kayaking, or spotting dolphins and manatees. Itâs a paradise for anyone who loves boating, birding, or simply being near the water.
Affordable Living, Smart Insurance Options
Titusville offers an unbeatable combination of affordable home values and low insurance costs â especially for new residents moving to the Space Coast. At Barefoot Insurance Brokers of Florida, we help homeowners, condo residents, and boat owners find comprehensive coverage that fits their needs and budget.
Whether you need homeowners, flood, auto, or boat insurance, our local expertise helps protect your piece of paradise.
Letâs Get You Settled and Covered
If youâre considering a move to Titusville or recently became a resident, connect with Allie Horblitt, Licensed Florida Insurance Agent and Owner of Barefoot Insurance Brokers of Florida.
đ Call or Text: 786-440-8242
âïž Office: 321-218-3880 x6
đ Visit: www.barefootins.com
Protecting Floridaâs most charming coastal communities â one home at a time.
Alexandra âAllieâ Horblitt is a Licensed Independent Insurance Agent with Barefoot Insurance Brokers bringing over 14 years of industry experience to her clients. She specializes in marine artisan insurance, workersâ compensation including USL&H, general liability, and commercial auto coverage. Allie is licensed to sell commercial insurance products in Florida, Georgia, Alabama, Colorado, Indiana, Ohio, Texas and Virginia. To connect with Allie for customized coverage solutions, email her at allie@barefootins.com or call/text 786-440-8242.
by barefootins | Sep 29, 2025 | Commercial Auto Insurance, Commercial Insurance
At Barefoot Insurance Brokers, we pride ourselves on delivering top-tier insurance solutions to businesses in Florida, Georgia, Colorado, and Texas. We’re excited to highlight recent expansions from Bristol West Insurance Group, a Farmers Company, that are reopening key business classes in their Commercial Auto program. These changes are tailored for service-based operations in our serviced states, providing more flexibility and quoting potential than ever before.
Whether you’re hauling freight in Georgia, renting equipment in Texas, or providing health services in Colorado or Florida, these updates could unlock better coverage for your commercial vehicles. Here’s a closer look at the reopened classes:
Equipment Rental & Leasing
Companies renting furniture and home appliances or party and event supplies (such as tents, tables, and inflatables) now have access to specialized auto insurance options. This is perfect for businesses in our multi-state footprint looking to safeguard their operations efficiently.
Other For-Hire Trucking Operations
Ideal for general freight haulers, independent drivers serving multiple clients, and small fleet operators without specific cargo classifications. If you’re navigating the roads of Florida, Georgia, Colorado, or Texas, this class offers the adaptability your trucking business deserves.
Social & Health Services
This versatile category covers environmental agencies, occupational therapists, rehabilitation centers, and support groups. It’s designed to support the vital work you do, ensuring your vehicles are protected across our key states.
Barefoot Insurance Brokers is committed to helping you capitalize on these opportunities with Bristol West. Our expertise in multi-state coverage means we can customize policies that fit your unique needs.
Don’t miss out â reach out to us for a no-obligation consultation and explore how these expansions can benefit your business. Head to our site or contact our specialists today!
About the Author
Julia Dourvetakis is a Licensed Independent Insurance Agent with Barefoot Insurance Brokers, bringing over 30 years of experience to the insurance industry. Julia specializes in commercial auto, commercial auto fleets, coastal property insurance, workersâ compensation, general liability, and professional liability coverage. Julia is licensed to sell commercial insurance products in Florida, Mississippi, North Carolina, and Colorado. To connect with Julia Dourvetakis for tailored insurance solutions, email her at julia@barefootins.com or call/text 954-866-5723.
by barefootins | Sep 9, 2025 | Florida Insurance, Personal Insurance
FR-44 Insurance Made Simple with Barefoot Insurance Brokers
If youâve been convicted of DUI in Florida and need an FR-44 filing to reinstate your driver license, Barefoot Insurance Brokers can helpâquickly and affordably. We shop a broad network of Florida carriers that file FR-44s so you get a competitive price without the hassle. Based in Broward & Brevard, we serve drivers in Coral Springs, Parkland, Coconut Creek, and Margate every day.
What is an FR-44?
An FR-44 is a certificate your insurer files with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) to prove you carry higher-than-standard liability limits after certain alcohol-related convictions (like DUI). In Florida, FR-44 policies must carry at least $100,000 / $300,000 for bodily injury liability and $50,000 for property damage (or a $350,000 combined single limit) and must be maintained for 3 years after license reinstatement.
SR-22 vs. FR-44: Both are proof-of-insurance filings, but an FR-44 requires higher liability limits than an SR-22 because itâs tied to DUI convictions. In some states, an alcohol related conviction is handled through an SR22 but Florida requires the heightened FR44 insurance requirement.
Who needs an FR44 Insurance Filing in Coral Springs, Parkland, Coconut Creek & Margate?
If a Broward County court record shows a DUI conviction and your license is suspended, youâll need an FR-44 on an active Florida auto policy (or a qualifying non-owner policy if you donât own a car) before FLHSMV will reinstate your driving privilege. This needs to be maintained for 3 continuous years to satisfy the requirement.
What affects your FR-44 price?
- Driving record & violation history
- Vehicle type and garaging ZIP (e.g., 33065, 33071, 33076, 33063, 33066, 33068)
- Coverage selections & deductibles
- Prior insurance and any lapses
Because rates vary widely between companies, shopping multiple FR-44 carriers is the #1 way to save. Thatâs where we come in. We work with Bristol West, Kemper, Progressive, National General, GEICO and Dairyland — all of the most competitive insurance providers of the FR44 filing in Florida.
Why Barefoot Insurance Brokers
- We shop the market: We compare rates across many Florida carriers that file FR-44s to target the most competitive price for your situation.
- Fast filing: We coordinate the FR-44 electronic filing to help you move from quote â bind â filing with minimal downtime. (Processing times vary by carrier.)
- Owner & non-owner FR-44 options: Whether you own a vehicle or just need to satisfy the requirement to drive, weâll guide you to the right policy type.
- Local guidance: Clear, judgment-free help from a Florida independent agency that knows Broward and the surrounding areas.
What youâll need to get started
- Driver license number and DUI details (conviction/reinstatement dates)
- Vehicle information (if you own one)
- Address in Coral Springs, Parkland, Coconut Creek, Margate or elsewhere in FL
- Prior insurance info (if any)
FAQs
How long do I need to keep the FR-44?
Three years from the date you reinstate your privilege. If you cancel or lapse during that period, your license can be suspended again.
What limits are required?
At least 100/300/50 or a $350,000 combined single limit, per FLHSMV. Choosing higher limits can better protect your assets.
Is a non-owner FR-44 available?
Yesâif you donât own a car, a non-owner liability policy can often satisfy the filing requirement. (Availability/eligibility vary by carrier; weâll advise case-by-case.)
Ready to file your FR-44 in Broward?
Call Barefoot Insurance Brokers at 954-368-0060 or start at barefootins.com. Weâll compare the market for you and file the FR-44 fastâso you can focus on moving forward.
Sources: Key FR-44 requirements from FLHSMV (liability limits and 3-year maintenance) flhsmv.gov
by barefootins | Jun 10, 2025 | Florida Insurance
After nearly a decade of financial instability, Floridaâs property insurance market is finally posting profitsâfor the first time in eight years. According to a recent article from PropertyCasualty360, insurers across the state have reported positive net income, reflecting improved underwriting discipline, rate adequacy, and fewer catastrophic losses in recent years.
One particularly eye-catching headline is the reported $21 million salary of Slide Insurance CEO Bruce Lucas in 2024, signaling renewed profitability and confidence among private insurers in Floridaâs volatile property insurance landscape.
Why Arenât Florida Property Insurance Rates Decreasing?
While increased profitability is a positive sign for the long-term health of the industry, many Florida homeowners and business owners are left wondering: Why arenât my insurance premiums going down?
The answer lies in the larger economic context. Several factors are currently keeping property insurance costs elevated in 2025:
- đŠ Trade tariffs and global economic uncertainty are driving up the cost of building materials.
- 𧱠Labor shortages and inflation are impacting repair and replacement costs.
- đ Insurers continue to account for litigation risk and reinsurance expenses, especially in coastal markets like Cocoa Beach, Satellite Beach, and Margate.
These pressures are keeping premiums from droppingâeven as carriers improve their bottom lines.
What Can Florida Policyholders Do?
At Barefoot Insurance Brokers, we understand how confusing and frustrating the current insurance environment can be. Thatâs why our licensed agents work with clients across Brevard County, Broward County, and the Treasure Coast to help navigate:
- đ Property insurance policy sublimits and exclusions
- đ The difference between water damage and flood coverage
- đ Premium comparisons across multiple carriers
- đ ïž Coverage options that align with local construction and replacement costs
Whether you’re in Cocoa, Port St. John, Margate, Coral Springs, or Hutchinson Island, weâre here to help you make sense of your policy and identify opportunities to optimize your coverage and costs.
đ Contact Us for a Personalized Policy Review
If youâre concerned about rising insurance premiums or want to better understand what your current policy covers, reach out to Laurel Schwartz at laurel@barefootins.com. We’re happy to offer a no-obligation review of your Florida homeowners or property insurance policy.
by barefootins | Jun 5, 2025 | Florida Insurance, Personal Insurance
In the state of Florida, Progressive Insurance generally follows standard auto insurance practices when it comes to temporary substitute vehicles and coverage transfers, but it’s important to review your specific policy for exact terms. Here’s a general breakdown of what is typically considered a temporary vehicle and how liability coverage may transfer:
â
Definition of a Temporary Vehicle
A temporary substitute vehicle is usually defined as:
âA vehicle you do not own, which is used temporarily in place of your covered vehicle when your vehicle is out of normal use because of breakdown, repair, servicing, loss, or destruction.â For the sake of this post, lets consider that you rented a car from a major rental car agency like Enterprise, Avis or Thrifty, for example and fully paid out of pocket for the rental car.
đ Requirements for Liability Coverage to Transfer
For Progressive to transfer liability coverage to a temporary vehicle in Florida, the following conditions usually must be met:
- You must have an active auto policy with Progressive.
- The temporary vehicle is:
- Not owned by you or a resident of your household.
- Being used as a replacement while your covered vehicle is disabled or unavailable.
- The use must be temporary (short-term use).
- The replacement must be similar in use to your insured vehicle (e.g., replacing a private passenger car with another private passenger car, not a commercial vehicle).
đ« When Coverage May Not Transfer
- If the temporary vehicle is rented or leased for an extended period.
- If youâre using a friendâs or relativeâs car not as a replacement, but just for convenience.
- If the vehicle is used for business or commercial purposes, unless your policy includes such use.
đ Important Caveat:
Progressive (like other insurers) may differ slightly in their policy wording, especially for commercial policies or if you have endorsements added to your plan.
đ Best Practice:
To be 100% sure, it’s always best to:
- Review your declarations page and policy wording under the section “Temporary Substitute Vehicle” or “Other Vehicles.”
- Or, call Progressive Customer Service or your local Progressive insurance agent to confirm how your liability coverage would apply in a specific situation.
Are you seeking a local Progressive Insurance Agent? Look no farther than Barefoot Insurance Brokers in Margate, FL, servicing Progressive Insurance clients in Margate, Coral Springs, Tamarac, Coconut Creek and Parkland. Call us today at 954-368-0060 and dial x 1 for new quotes.
