We can insure homes of any size from the most modest to those worth millions of dollars. We can write homes throughout the state of Florida including high value oceanfront.
Not all homes are created equal. Therefore we offer over 30 different homeowners insurance companies to cover the broad range of our customer’s needs.
We represent some of the leading auto insurance companies including Travelers, MetLife, Safeco, and Progressive. As a result we are bound to have a competitive offering for you. Most importantly you can contact us directly to act on your behalf with your insurance carrier. Whether it be a question or help settling your claim, we are just a call away.
With us as your agent we will work hard to be sure that you receive all of the credits you are entitled to in order to provide a competitive premium.
We strongly advise everyone to consider an umbrella liability policy which provides you with a million dollars or more of extra protection in case you are involved in an unfortunate accident for which you are responsible.
This extra coverage can make all the difference in the world to protect your assets and best of all it is affordable, with umbrella policies starting at less than $300 per year.
Many people don’t realize that a homeowners policy has very limited coverage for valuable items such as jewelry, silverware, antiques, and fine arts.
A valuable items policy provides the broadest coverage available at specified values to protect your collections at premiums that are reasonable.
Flood is an ever present danger to any resident living in South Florida. A flood policy insures against the peril of rising water and floods don’t always occur near the ocean, they can and often do occur many miles inland.
Many customers can be eligible for the lower priced preferred risk policies from the National Flood Insurance Program. In many cases flood insurance costs only a few hundred dollars per year.
We insure boats of all types, whether you have a small boat for the lake or an ocean going yacht, we can provide a policy that meets your needs.
There are policies designed to cover the unique exposures, whether you are renting a property or if you own a property you are renting out. Give us a call and we can help you protect your assets whether it is your personal property or an investment property.
General liability protects your business if someone is injured or if you damage property. We offer a wide range of liability coverages, including but not limited to retail stores, offices, homeowner and condominium associations, and contractors.
We also offer professional liability which covers “malpractice” by professionals and specialists such as lawyers, architects, engineers, and accountants.
We have unlimited capacity to cover buildings of all types up to the largest buildings and we can insure anywhere in the state of Florida, even on the ocean. We have highly competitive markets resulting in highly competitive premiums.
We insure from single vehicle businesses up to businesses with large fleets of trucks. For the businesses which don’t have vehicles we make sure that we provide Non-Owned and hired vehicle liability to cover the gaps in your insurance program.
Group life insurance not only helps protect the employees of a business but it can help a business retain employees as a benefit. People are living longer, therefore insurance rates are continuing to go down as time passes making this valuable coverage more affordable.
Group health insurance rates can be more competitive than individual health insurance rates so many business offer group health as an incentive for employees and to help retain employees.
We offer umbrellas starting at $1 million limits which can go as high as you need. Umbrella liability provides extra coverage above your general liability, workers compensation, and business auto liability which will protect your business should a serious claim occur.
Life insurance is the most important estate planning tool you can use. Life insurance benefits are typically not taxed and they are paid directly to the beneficiary outside of probate. This means there is very little delay in payment after the loss of your loved one.
Annuities provide safe and reliable income for your investment dollars.
Long Term Care can protect your nest egg by providing the funding to take care of your loved ones if they require extended in-home nursing care. This provides peace of mind, helping a difficult situation become more manageable.
Medicare supplements are very popular as they fill many of the gaps in the Medicare program.
As an independent agency, we have access to many companies in order to have the best market for your particular risk whether it’s your personal insurance such as automobile or homeowners or if you have a business ranging from simple office & retail store risks up to industrial risks such as contractors or crane companies.
Our staff has been with us for 20 years or more which reflects the deep experience and knowledge as well as the dedication to serving our clients, some of whom have been with our agency since it started! No matter how big or small your insurance needs, we have a program for you.
We make having personal contact with our customers the centerpiece of an insurance program designed just for you. Often in our initial meetings with prospective customers we find gaps of coverage for which we propose fixes and we can identify exposures never before pointed out to our customers by competitors. Harvey Brown Jr. is a member of the Florida Bar and has found that his legal perspective gives our agency an advantage in determining if coverages are sufficient.
The Harvey L. Brown Agency understands your insurance needs and has the expertise to tailor a competitive insurance program with a goal of keeping you a satisfied customer for many years.