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Who is Frederick Insurance?

Frederick Insurance Agency has been serving the Lutz community since 2003. Our agency's core values are based on Jim's 18 years of experience at Prudential Insurance. He learned that an insurance agent needed to be ethical, honest and dependable.

To learn about us, visit our About Us page.

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Welcome to Frederick Insurance 

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Having the right insurance policy is important. You are different from your neighbor and those living around you. The needs of your family to protect your home, car and other aspects of life will not only differ from your neighbors, but it will evolve as time goes by and as life continues to evolve.

That's why we at Frederick Insurance are here to assist you with all of your Florida insurance needs. Whether you want to protect your first-time driver or you're looking to switch to a different insurance provider, we're here to assist you every step of the way. 

Finding the Right Insurance For You

No two people are the same. This means no two insurance needs are the same. It's all about finding what is best for you and your personal needs. You address a few basic questions, and you'll receive insights as to what coverage options are available.

If these numbers interest you, or you'd like more specific information, our team of insurance agents are here to provide you with the professional assistance you need. After all, insurance should never be a one size fits all approach, and our team here at Frederick Insurance wants to treat you like an individual.

The Right Insurance For Your Budget

Finding the right insurance policy is also about fitting your budgetary needs. You need quality insurance you can afford and protection that fits into your budget. By working with your available budget, we can look at the best available options for what you're looking for.

Contact us

At Frederick Insurance, we want to be your Florida insurance provider. So whether we already provide you with coverage and you're interested in new services, or you're shopping around for a new provider, please feel free to give us a call or stop by the office at your convenience.

We also provide an online rating tool so you can get quotes on home and auto insurance from your computer. Reach out to us for more information.

Social Inflation:

Predator contractors swarm neighborhoods promising "free," insurance-funded roof replacements. Dishonest contractors will often create or exaggerate damages or offer to illegally waive the policy deductible. Thousands of claims are being reported LONG after an event has passed, for both hurricane and non-hurricane storms, claiming damage to roofs not actually caused by a covered peril but instead of wear and tear, or lack of maintenance. This is called Social Inflation; it is not something carriers can predict accurately from an actuarial standpoint as it is happening at such an unprecedented scale statewide and has never occurred to this extreme before. These roofing schemes have led to OVER $2 Billion in rate increases - a hidden tax to consumers that must get legislation passed to fix!

  • We must reduce the statute of limitations for filing claims. It should not take 3 years after a weather event to discover a loss has occurred.

The effects of fee multipliers and "social inflation" combined cause reinsurance to continue to rise (along with claims caused by covered perils).
 

When carriers pay more, so will insureds!

Our Partners

  • American Traditions
  • Bankers
  • Federated National
  • Foremost
  • Geovera
  • Hagerty
  • Heritage
  • Infinity
  • Mercury
  • Metlife
  • Modern USA
  • Monarch National
  • Olympus
  • Progressive
  • Safeco
  • Safe Point
  • Security First
  • Southern Oak
  • Hartford
  • Travelers
  • United UPC
  • Universal North America
  • Universal Property and Casuality