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Frequently Asked Questions

  1. Can Sipowski Insurance provide me the best prices on insurance?
    1. At Sipowski Insurance, we have been helping clients, friends and family for over 30 years. We know the in’s and the out’s of the business – whether it’s hurricane’s, natural catastrophes, or adjustments in the industry. We have the most qualified, experienced professionals in the field that will explore every resource to find you the best insurance for the best price through an array of providers.
  2. Can I get a quote online without you calling me?
    1. Absolutely. The internet today is a wonderful tool and while you can generate a quote for your insurance yourself, the final product may not match your needs. We have qualified professionals that will walk you through the process step by step, discount by discount to get the best insurance for your needs, while ensuring that the discounts that you are owed, are applied. Just give us a call, or fill out our quick online form to get started.
  3. Do I have to pay more for insurance if I use an agent? Can’t I get a better price on my own like they say on the “Progressive” insurance commercials?
    1. Insurance agents save you money on insurance quotes. They don’t cost you money and rates or quotes are not puffed-up to cover the cost of an agent. Sipowski Insurance Agency has a contract with Insurance Companies that already covers our costs giving you the best of both worlds. Quality insurance through a reputable family owned business with A+ Rated national providers. Our Sipowski Insurance Agents are available to you as a free resource to save you money, ensure you get the right product, and protect your wealth from any misunderstandings or devious practices from others throughout the term of your policy.
  4. Can you reappraise the value of my home to make sure I’m not overpaying for insurance?
    1. Sipowski Insurance has discovered that most Floridians are over-insured! Several factors are responsible for causing this problem. One is the improper listing of construction materials used on your home. Another is the improper listing of size or value of your home. Additionally, if you’ve been accepting routine annual inflation raises of 2-3% for the past 10-20 years, you are probably 50-75% over-insured on your home and paying far more than you need to for insurance. Let us work with you on a free and true valuation of your property and save you money on insurance!
  5. Do you have options other than Citizens that can help lower my homeowners insurance rates?
    1. We are very happy to say “yes!” We are now able to reduce most homeowners insurance rates by nearly 50%. If you have Citizens insurance and have been told your home is “uninsurable”, please give us a call. Sipowski Insurance has options for Floridians who are tired of paying high insurance rates for Citizens Homeowners Insurance.
  6. Why is Sipowski Insurance more qualified than calling the Insurance Companies directly?
    1. There is a simple answer to this complex question — Experience. When you call Sipowski Insurance you will be talking to agents who all have the highest certifications possible in the industry. Experience in cases like this equates to dollars saved. Calling an 800 number and speaking with an operator on the other end that just finished reading their manual does not compare to someone who has learned over decades, the “in’s and out’s” of that manual. At Sipowski Insurance, you not only get our personalized experience in catering policies & discounts to your needs, but you also get the benefit of our field experience as building engineers, insurance adjusters, and personal injury lawyers. Find out where your current policy may be falling short. Get a quote now.