Auto
- Liability Coverage – What Does Each Number Mean?
- Do I Need Uninsured Motorist Coverage?
- What is the Difference Between Comprehensive and Collision Coverage? Do I Need Both?
- Do I Need Full Coverage? When Should I Remove Comprehensive and Collision Coverage?
- I Paid Off my Vehicle. What Does That Mean for my Insurance?
- Who Do I Need to Have Listed as a Driver on my Policy?
- Can Someone Borrow my Vehicle?
- Am I Covered to Rent a Car?
- Am I Covered to Rent a U-Haul / Moving Truck?
- Am I Covered to Rent a Motorhome / RV?
- Moving to Florida
Home
- Why Do I Have Other Structures Coverage on my Policy?
- What is Personal Property Replacement Cost vs Actual Cash Value (ACV)
- What is an Open Perils vs Named Perils Policy?
- What Happens When I Pay my Insurance with my Mortgage?
- Do I Have Sinkhole Coverage?
- Do I Have Hurricane Coverage?
- What is Condo Unit Owners Special Coverage A? Do I Need That?
- What is Additions and Alterations Coverage? Do I Need It?
- What is Ordinance or Law Coverage?
- Can I get a free roof? Should I let this company do a free roof inspection?
- Moving to Florida
- Where to Buy Homeowner’s Insurance in Florida
Umbrella
Commercial
Think Safe
Q: What makes Think Safe Insurance different?
A: Think Safe Insurance is a locally owned, independent insurance agency in Brandon, FL that focuses on education first, not just selling the next policy. Every quote includes a clear explanation of your home, auto, or flood insurance options so you understand your coverage, deductibles, and gaps before you buy. Clients consistently mention how much more their coverages make sense after speaking with our team and how confident they feel about their protection and price.
Q: What services do you provide?
A: Think Safe Insurance provides home insurance, auto insurance, flood insurance, landlord and real estate investor insurance, condo insurance, renters, umbrella, boat, motorcycle, RV, and small business/commercial insurance across Florida. As an independent Brandon insurance agency, we compare multiple top-rated carriers to tailor coverage for homeowners, drivers, and investors while keeping premiums competitive.
Q: Are you an insurance broker?
A: Think Safe Insurance is an independent insurance agency in Brandon, FL, which means we work with many different insurance companies instead of just one. You provide your information once, and we shop multiple carriers for your home, auto, and flood insurance to find smart coverage options that fit your budget and risk.
Q: How long have you been in business?
A: Think Safe Insurance was founded in Brandon, Florida in 2020 and has been serving clients across the state ever since. While the agency is newer, the team brings many years of combined experience helping Florida families, homeowners, investors, and business owners protect what matters most.
Florida & Brandon-local Q&As
Q: Do you only serve Brandon, FL or all of Florida?
A: The office is located in Brandon, FL, but Think Safe Insurance writes policies throughout the entire state of Florida. Whether you live in Tampa Bay, Orlando, Miami, Jacksonville, or anywhere along the Gulf or Atlantic coast, our team can quote and service your home, auto, flood, and rental property insurance.
Q: Can you help with Florida homeowners and flood insurance?
A: Yes, homeowners and flood insurance are two of our core specialties, especially for Florida properties exposed to hurricanes and heavy rain. We help you understand hurricane deductibles, wind and hail coverage, and FEMA flood zone requirements so you can choose a home and flood policy that truly protects your house and your equity.
Q: Do you work with real estate investors and landlords?
A: Think Safe Insurance works extensively with Florida real estate investors, landlords, and property managers. We offer insurance for rental homes, duplexes, small apartment buildings, and fix-and-flip properties, with options designed to protect both your structure and your liability exposure.
Q: Can you review my current home or auto policy?
A: Absolutely—policy reviews are one of the most common reasons people contact Think Safe Insurance. Our team will walk through your existing home, auto, or flood policy line by line, explain what each coverage actually does, and show you where you may be overpaying or underinsured.
Experience, service, and process Q&As
Q: What is it like to work with Think Safe Insurance?
A: Clients often describe working with Think Safe Insurance as easy, responsive, and educational. You can start your quote online or by phone, then we compare multiple carriers, explain your options in plain language, and help you choose coverage that fits your goals instead of pushing a one-size-fits-all policy.
Q: How fast can I get an insurance quote?
A: Many home and auto insurance quotes can be turned around the same day, and often within one business day once we have your information. For more complex situations—such as multiple rental properties or specialized commercial insurance—we still work quickly while taking the time to shop the right carriers for your risk.
Q: Do you help when there is a claim?
A: Yes, the relationship does not stop once the policy is issued. If you have a claim, Think Safe Insurance can help you understand your coverage, guide you on the next steps, and coordinate with the insurance company to make the process smoother and less stressful.
Pricing, carriers, and savings Q&As
Q: Are you more expensive than going direct to an insurance company?
A: Working with Think Safe Insurance usually does not cost more than going directly to a single insurance company, and often results in better value. Because we are independent, we compare multiple carriers for you, which can uncover savings or stronger coverage at a similar price that you might not see by shopping one website at a time.
Q: Which insurance companies do you work with?
A: Think Safe Insurance partners with a range of respected national and regional carriers that actively write policies in Florida. This mix changes as the Florida market evolves, but our focus stays the same: carriers that offer solid coverage, competitive pricing, and dependable claim service for home, auto, flood, and investor policies.
Convenience and digital experience Q&As
Q: Can I work with you completely online or by phone?
A: Yes, many clients complete the entire insurance process with Think Safe Insurance by phone, email, or online—from quotes and applications to e-signatures and policy delivery. This makes it convenient for busy families, investors, and new Florida residents who want a local Brandon agency with a modern, digital experience.
Q: What types of clients do you work best with?
A: Think Safe Insurance is a great fit for Florida homeowners, drivers, and investors who want a local expert to explain coverage and shop multiple carriers for them. Whether you are buying your first home, relocating to Florida, or building a rental portfolio, our team helps you make confident insurance decisions tailored to your situation.