Wilcox Family Insurance Company

This is the amount you will pay after a claim before your insurance company pays out for the covered loss. (Ex. If you have a $10,000 loss to your home and you have a $1,000 Hurricane Deductible, than assuming the loss was caused by a hurricane your company would pay our $9,000 of the covered loss.)

You will need to get in touch with your insurance company to file a claim. Please feel free to contact us regarding any claims so that we can provide you with your policy information and provide you with the correct number to call to file your claim.

In some cases, yes. This depends entirely on situation and what type of policy you are trying to cancel. Some policies are guaranteed and cannot be cancelled until they expire or they may only be cancelled for certain reasons (Ex. You sold a vehicle or purchased a different auto insurance policy within first 60 days of new auto insurance policy. )

Yes, typically this holds true and as your house gets older companies may charge you more to insure it.

Yes! The effect on your premium rate may vary depending on what type of insurance it is you are being quoted on but gender does make a difference to an extent.

Depending on the company, your credit score can play a very large role on how much you pay for insurance. Many auto and home insurance companies use this score, along with other factors, to determine your risk which they use to rate you accordingly.

Unless you have a lender requesting coverage (Mortgage Request) you typically have to wait 30 days before coverage you requested today will go into effect. This is due to FEMA’s flood insurance guidelines. However, some private companies have entered the market in recent years which may allow you to obtain coverage sooner.

A red car is no more expensive than a blue, green, or purple car. This is a false myth that is very widely believed to be true. While a sports car may cost you more money due to the vehicles specifications, a 2 door can definitely be more expensive to ensure than an equivalent 4 door model of the same vehicle. (Ex. A Honda Civic Coupe compared to a Honda Civic Sedan)

“Full Coverage” is a term that many people use to refer to when they have physical damage coverage (Comprehensive and Collision). However, “Full Coverage” is not an official coverage and you will not find it on your policy declaration page. There are a great deal of people who are confused on what is included with full coverage as the term can be misleading. If an agent is offering you “Full Coverage” insurance please be sure to review any policy they offer you coverage by coverage to ensure you are purchasing what you think you are.

“No-Fault” Insurance can also be referred to as Personal Injury Protection, which is required in Florida. Personal Injury Protection pays for your own medical bills, lost earnings, and certain other out-of-pocket damages that you sustain after an accident.

This depends on the company and type of policy we are writing or taking a payment on. Please call us before you come in with your form of payment so that we can verify you are good to do so.

Depending on what type of insurance you are looking for this can vary from a few minutes to a few days. For example, we can get an auto quote done with you right over the phone in minutes but due to the sheer number of homeowners insurance companies we work with a homeowners quote may have a 24-48 hour turn around.

Thanks for your question, Bella. Yes, we do offer health insurance services. More information can be found on our website. Don't hesitate to reach out with any further questions!