Question 1

What types of insurance does Tammy Insurance Agency offer?

Accepted Answer

We offer a full range of personal and commercial insurance products including car, home, renters, flood, motorcycle, commercial auto, general liability, workers compensation, professional liability, errors & omissions, inland marine, motor truck cargo, farm liability, garage liability, garagekeepers, environmental liability, ship repairer legal liability, notary public insurance, and more.

Question 2

Where is Tammy Insurance Agency located?

Accepted Answer

We are located at 9531 SW 40th Street, Miami, FL 33165. We serve clients throughout the entire state of Florida.

Question 3

Are you an independent insurance agency?

Accepted Answer

Yes! As an independent agency, we work with multiple top-rated insurance carriers — not just one company. This means we shop around to find the best coverage and price for your specific situation.

Question 4

Do you offer service in Spanish?

Accepted Answer

Absolutely. We proudly serve Miami's bilingual community with services available in both English and Español.

Question 5

Is flood insurance required in Florida?

Accepted Answer

Flood insurance is required if your property is in a designated high-risk flood zone (Zone A or V) and you have a federally-backed mortgage. However, we recommend it for all Florida property owners since standard homeowners policies do not cover flood damage.

Question 6

How can I save money on car insurance in Florida?

Accepted Answer

Common discounts include bundling auto and home insurance, maintaining a clean driving record, taking a defensive driving course, insuring multiple vehicles, and choosing a higher deductible. Contact us and we'll find the best rate across multiple carriers.

Question 7

Does Florida require car insurance?

Accepted Answer

Yes. Florida requires a minimum of $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). We recommend higher limits for better financial protection.

Question 8

Is workers compensation required in Florida?

Accepted Answer

Yes, for most businesses. Construction companies with 1 or more employees must have it. Non-construction businesses with 4 or more employees are required to carry Workers Compensation. Penalties for non-compliance are severe.

Question 9

What is the difference between General Liability and Professional Liability?

Accepted Answer

General Liability covers physical injury and property damage claims from your operations. Professional Liability (E&O) covers financial losses your clients suffer due to errors or omissions in your professional services or advice.

Question 10

Can I get same-day coverage for my business?

Accepted Answer

In many cases, yes! Contact us directly and we'll do our best to get your business covered as quickly as possible.

Question 11

How do I get a quote from Tammy Insurance Agency?

Accepted Answer

You can request a free quote online using our quote form, call us at (305) 485-3999, or visit our Miami office at 9531 SW 40th Street. We'll respond within one business day.

Question 12

How long does it take to get a quote?

Accepted Answer

For most personal lines (auto, renters, home), we can often provide quotes same day. Commercial policies may require 1-2 business days depending on the complexity of coverage needed.

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