Home insurance gotcha down? - There is Good News!

2012JnetJeanette Lawrenson was a successful, full-time Realtor in Belleair, Florida when the aftermath of the 2005-2006 hurricane season left her scrambling to find homeowners insurance. Whatever the ‘big boy’ insurance companies pulling out of the state wanted to call it, Jeanette, like most of her friends, neighbors, and associates, was dropped, cancelled, and nonrenewed.

Under the new insurer, her premiums more than tripled. She suffered along with everyone else before realizing that her insurance company had not explained choices that dramatically impacted her costs. Getting through the maze of understanding her own homeowner’s insurance nightmare left the Florida native confused, exasperated, then angry when she learned that a friend was paying 30 percent less for the same coverage.

She quickly discovered that insurance, although a necessity, can be very confusing and leaves you feeling that you’re at the mercy of the insurance companies. She hated that feeling and knew there had to be a better way. She enrolled in school, earned her license to sell insurance, and away she went. First, she ‘shopped’ homeowner’s policies for friends, family, and associates and saved them money. Jeanette took the time to educate them about their coverage and deductible choices. They told everyone they knew and Florida Best Quote was born.

With one simple revelation – represent multiple, top notch insurance companies and ‘shop’ the same coverage with multiple carriers – Jeanette not only saved her clients money, but often increased their coverage.

By taking the time to educate clients, shop several carriers, and last but not least, use the Florida Wind Mitigation Program, she saves almost all clients an average of 25 to 40 percent on homeowner’s coverage, and the savings continue year after year. Jeanette didn’t stop with homeowners. She applied the same principle to auto, boat, and other types of insurance and found their savings easily equates to more than a $100 month.

And the future for Jeanette and Florida Best Quote? Jeanette sums it up best.

“Insurance is something we need and insurance companies need to understand that they must compete for business just like any other product or service. Florida Best Quote makes them earn your business everyday so you will never pay too much again. And that’s a promise.”

The Most Referred, Consumer Driven Insurance Agency


I just wanted to say thank you so much for all the hard work you did and for helping me out with any questions I had. I have already referred your company to a couple of friends for both home and car insurance. Once again, Thank you.

Kevin Corbett

Jeanette, thanks for everything — you were the most pleasant thing about this house closing.

Sarah Cleveland, Major, USAF

Just wanted to share with you the great news. Our . . . representative reviewed the Wind Mitigation inspection report and explained that . . . we will save $1,686. We are delighted to say the least. Today, I contacted Jeanette Lawrenson about cost comparisons of insurance plans.

Peg and Peter Alongi

Thank you so much for your help. I have been calling people all morning…. This young couple needs someone they can count on. Again, thank you…

John Weeks, Miami

Jeanette…We are pleased to announce that you have been selected as one of The Thorn Collection’s Preferred Vendors. We are pleased to refer you to our clients and their friends based on your excellence in service. We devote ourselves to serving the needs of our clients before, during and after each transaction. Therefore we are constantly referring special vendors to our buyers and sellers. We are currently the #1 Real Estate Team in West Central Florida, with over $106 Million in sales since 2011! We have updated your information on the Preferred Vendors link on our website… We are happy to have you as one of our exceptional vendors…

Jeanette. . . just wanted to thank you again for your hard work and creative thinking to get the job done. You really are a life saver and a true professional who knows her stuff! I recommend you to everyone . . . It’s so nice to have someone on my side who has such pride in what they do and cares about getting things done right.

Joe Ruffino IV

John, Thank you for helping Misty with her insurance for her new home. Her loan officer had sent her referrals but it was you that came through for her. I told her she had a great agent and you would be there for her with all her insurance needs. You guys are the best!

Brenda Trevino

Thank u so much….u r all so intune to gr8 customer service.

Carmen Bassage

You’re the best … I am so referring every single state attorney to you…..

H. Grissinger

Your the greatest !! I am so blessed to have you to work with.

Judi Taulbee, Green Lion Realty LLC

We checked around and the quote you gave us was excellent. Another insurer told us he was very impressed that you were able to get it so low.

Amanda Savage

Thank you so very much Jeanette - YOU’RE SO AWESOME!!!! I loved Mark’s report- it stated boldly No leaks and is tightly sealed! . . . I’m just so thankful you had someone that could get the job done and I totally don’t mind paying for it! My mom asked if Mark did commercial real estate and he said he inspected anything with 4 walls and a roof! Haha! So she’ll be using him in her business too!
I’ve told my parents how great you’ve been (and my mom has seen it first hand). My dad said he’d be contacting you for a quote when the company auto and commercial insurances are up next year. I’ll be passing your information along to everyone I know too. Can’t wait to see what we can do for auto :)

Krista Foster

YEAH!!! You are the best, Lindsey. Thank you for asking all the questions so I am able to receive the best quote.

Sarah Schrader

Dear Jeanette, Thank you so much for all your help! It has been wonderful working with you.
Kind regards,

Cynthia A. Ipach

Jeanette…you’re the best! Thanks so much for handling . . . that and every other thing that has come up for our insurance in the last two years. I really appreciate it. I’ve recommended you to about 5 people who mostly were buying houses. I hope they called you. Thanks again and we will be using you and recommending you for a long time.

Scott Flumerfelt

You have just become my new friend..MUAH! First of all thank you for answering all my questions you’re just AWESOME.

D’Andrea Dula

Erin, You have been the most responsive and helpful of anyone I have dealt with so far.  I wanted to take the opportunity to express my gratitude for your assistance today. It’s not often that someone is as eager to assist someone in a kind and responsive manner.

Heidi Holler

Kristin, thank you for overseeing all of his insurance.  You are a great agent!

Candis Reynolds

Can I share with you how my career has skyrocketed because of Kim Willis? As a newer agent several years ago and now in my 3rd year, no question was too ridiculous. Now, as a seasoned agent, dealing with everything from sink holes to flood zones and the tricky situations this has put us all in, Kim has been the ‘glue’ that has made deals happen. She is an outstanding individual!

I cannot speak highly enough of her. She is not only thorough and knowledgeable, but she responds always in a timely manner, even on weekends and way after hours. She is kind and persistent and tactful and such a blessing! I love working with her. You have an incredible gem on your team. I don’t find this often and when I do, I am so grateful!

I refer Kim Willis and Florida Best Quote to EVERY client and new agents in our office. I really appreciate everything that FBQ and Kim has done for so many people. Thank you for all you do! And please thank Kim as well!

Stephanie Slavick

I spoke to Kacey this morning regarding a cancellation that I tried to execute with the Heritage Insurance company on April 1st.  (They did not follow through, and I only know this because I received a renewal notice). When I explained the situation to Kacey, she was understanding and had a great attitude.  She asked me to send over the information and she followed up with me quickly.  The policy is now pending cancellation.

I just wanted you to know that Kacey provided me with excellent customer service today.  When I need insurance again, I’ll be sure to call your office.

Amy Wenke

Over the past month I have had the pleasure of working with Bella Rincon. She has demonstrated excellent customer service with her prompt follow-up and pleasant attitude. When I first started this journey to buy my home I had so many questions, and Bella really took the time to answer all my questions, no matter how silly, and provided me with the resources if I needed further clarification. I truly appreciate all the time and effort that she has put in to assisting me through this process. She is a gem, and I will recommend your agency and Bella to others in the future due to the excellent service she has provided.

Thank you to Bella and your agency for making the challenging process of buying a home, a little easier!
Iannie Rodrigues

I just wanted you to know that I had a sale that went south because of flood insurance and thank fully Kevin spoke at our February meeting and I’m waiting for my buyers to come to the office now to close on a $291,000 house in Hudson FL.
He did an awesome job and Mrs. Buyer is a loan officer in Winter Haven and so she’s referring people like crazy to Kevin as well. He is an asset!!!!!

Kathy Bond