Does Nationwide Write Home Insurance in Florida?
Tuesday, May 12, 2026
Quick answer. Yes. As of 2026, Nationwide is writing home insurance in Florida again on Nationwide paper, not through a partner company. Augustyniak Insurance Group is one of a select few agencies in Florida appointed...
How Insurance Agents Get Paid (And Why an Independent Agent Costs You Nothing Extra)
Tuesday, May 12, 2026
Quick Answer: You do not pay extra to use an independent insurance agent. The insurance company pays the agent a commission out of its own operating budget. In most cases, your premium is the same whether you buy...
What to Look for in a Jacksonville Insurance Agent After a Rate Increase
Wednesday, May 6, 2026
Quick Answer: When your homeowners insurance goes up, a good agent contacts you before the renewal date, or schedules a proactive annual review, explains why it happened, and shows you competitive options from other...
How Much is Workers' Comp for Electricians in Florida?
Monday, May 4, 2026
How Much Does Workers' Comp in Florida Cost for Electricans? - Short answer: The 2026 Florida rate for electrical contractors is $2.97 per $100 of payroll (NCCI Code 5190). Two electricians with $90,000 total payroll...
EPLI for Restaurants: Harassment & Wage Claim Coverage
Friday, May 1, 2026
Published: May 2026 EPLI for Florida Restaurants: Why Harassment and Wage Claims Are Your Biggest Hidden Risk - Quick Answer: EPLI (Employment Practices Liability Insurance) covers employee lawsuits for harassment,...
Why Jacksonville Insurance Rates Are So High in 2026 (And How to Lower Them)
Tuesday, April 28, 2026
Quick Answer: Jacksonville homeowners pay an average of $3,454 per year for homeowners insurance, based on our analysis of over 2,000 active policies. That is roughly triple the national average. The main reasons:...
Adding a Teen Driver to Auto Insurance in Florida (2026)
Saturday, April 25, 2026
Quick Answer: In our experience, adding a teen driver to your Florida auto insurance typically adds $2,000 to $4,000 per year. The exact number depends on the teen's age, gender, what they will primarily drive, and...
Independent Insurance Agent vs. State Farm: Which Is Better for Jacksonville Homeowners?
Tuesday, April 21, 2026
Quick Answer: A State Farm agent represents one company across your home, auto, and business insurance. An independent agent compares rates from 10 to 80+ insurance companies and shows you the best options side by side....
How to Lower Your Car Insurance in Jacksonville FL
Saturday, April 18, 2026
Quick Answer: In our experience, the biggest rate drops in Jacksonville come from four things: shopping across multiple insurance companies, bundling home and auto, raising your deductible from $500 to $1,000, and...
How Much is Workers Comp for HVAC Contractrors in Florida?
Wednesday, April 15, 2026
How Much Will Your HVAC Business Pay for Workers' Comp in Florida? - Short answer: The 2026 Florida rate for HVAC contractors is $3.0 per $100 of payroll (NCCI Code 5537). Two HVAC techs with $80,000 total payroll costs...