Alexander Insurance

Services

We are a full service insurance agency.

Our products include:
.          Homeowners
.          Automobile
.          Business
.          Life
.          Health
.          Long Term Care
.          Medicare Supplements

Homeowners

Today in Florida there is crises in the home insurance market. Many companies are non-renewing, others are increasing premiums to record highs, and still others are going bankrupt-and few will write any new homeowners.

We are fortunate to have two companies that will write policies for homes built after 1996. We also have Citizens Insurance Company (the state plan) for homes that do not qualify for our other plans.

Everyone should take the time to go over their insurance once a year to make sure their home is insured for the correct amount. After a storm the cost of materials go up and contractors raise their charges because there is so much work available. Most companies require that you insure your home to replacement value, if not you could have real problems when you have a claim.

You should also look at the company you are insured with. Have you gotten a rate increase yet or will you be hit with two years of rate increases based on your renewal date. You do not want to be surprised, so check your current policy.

Automobile

Alexander Insurance currently has ten automobile companies to choose from. We have a comparative rating system that allows our staff to quote all of the companies you are eligible for, to find you the best rate and coverage possible. One size does not fit all with Alexander Insurance. The companies we represent are:

Affirmative PIP/PD	Mercury Insurance
Bristol West Ultra	Drive-Progressive
Gains co Auto	United Auto
FJUA	United Auto Non-Owners
Gainsco Non-Owners	Affirmative Standard

We can provide instant SR-22’S.

Business

Business Insurance today, more than ever, needs to be carefully reviewed at each renewal. Many traditional policies include a great deal of coverage that you may not need or feel that you would want to self insure some coverage's. This is one the best ways to try to lower your premium. Depending upon the risk, we can quote many kinds of businesses in-house for both liability and workers compensation.

Life

There are many uses for Life Insurance and it is important to understand which product best suits your needs. There basically two types of coverage's. Term Insurance, which is like rent, where the benefit is only paid upon death while the policy is enforced. The other type is Permanent Insurance. These types of policies cost more than the term, but builds cash value that can be used to pay future premiums or help fund retirement.

Health

Health Insurance is another area that is in crisis. A large percentage of our population is without health coverage. The cost of coverage is out of reach for many people and many company plans are being drastically changed with the insured bearing higher costs and premiums.

Alexander Insurance has plans available from the traditional to the new discounted plans and other forms of coverage that are not insurance.

Long Term Care

We all need to make time to plan for the future. Many people think that health insurance or Medicare will pay for custodial care (the care one needs after they leave the hospital, doctors, etc.). They will not. The answer to this problem is to buy a Long Term Care policy.

Take the time to find out if you or your parents qualify. Do it before your age or your health cause the cost of the policy to become too expensive. The older you are when you purchase this policy, the more expensive it becomes. Let Alexander Insurance help you make the best choice for your future.

Medicare Supplements

Choosing the right medical insurance for later in life is one of the most important decisions someone will make. There are many rules and deadlines that must be adhered to in order to get the proper coverage. There are only two choices, a Medicare HMO or Medicare Part A, B&D by itself or with a supplement policy to cover the caps in Medicare.

In my opinion straight Medicare with a supplement is the way to go. Once you buy a supplement the premium only changes when Medicare changes. You can choose any doctor, any where. You will find that more doctors will accept Medicare with a supplement than any other form of coverage.

Whatever you choose we have the program that works for you.