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Florida Insurance & Financial Services Florida Insurance and Financial Service's offers clients the best possible protection for all of their insurance needs. Call today to receive a quote!

Florida Insurance and Financial Services offers insurance coverage from most Florida Markets. Margie Tann, experienced Insurance broker with over 35 years’ as an agent, can quote all of your insurance needs on a wide range of insurance products. Florida Insurance and Financial Services specializes in automotive, home, motorcycle, marine, worker’s comp, umbrella, small business, commercial and life insurance. A trusted agency built on referrals, Florida Insurance and Financial Services can be reached at 239.317.1040.

Your declarations page, often just called the "dec page," is the one-page summary at the front of your policy. It's easy...
10/15/2026

Your declarations page, often just called the "dec page," is the one-page summary at the front of your policy. It's easy to skip past, but it's actually the most useful page in the whole document:
• Who and what's covered
• Your coverage limits
• Your deductibles
• Your policy period (start and end dates)

If you've never actually read yours, it's worth five minutes. It's the fastest way to understand what you're paying for.
Not sure where to find it? We can walk you through your own.

Another common misconception: credit has nothing to do with insurance pricing. In most states, including Florida, that's...
10/13/2026

Another common misconception: credit has nothing to do with insurance pricing. In most states, including Florida, that's not accurate. Insurers can factor in credit-based insurance scores when setting rates, alongside other factors. 99% of insurance carriers run an insurance score. This is not a hard hit like a credit card but a soft hit, which means it never affects your credit score.
It's not the only thing that matters, and it's not something to stress over. But it's worth knowing it's part of the picture, especially if you're working on improving your credit for other reasons too.
Questions about what goes into your rate? We're happy to walk through it.

We hear this one a lot: the cheapest policy must be the best deal. Not always true.A lower premium can mean a higher ded...
10/08/2026

We hear this one a lot: the cheapest policy must be the best deal. Not always true.
A lower premium can mean a higher deductible, tighter coverage limits, or exclusions you won't notice until you actually need to file a claim. The real question isn't "what's the lowest price." It's "what am I actually getting for that price."
That's exactly why comparing coverages side by side matters more than just chasing the smallest number.
Let's compare your options. Reach out anytime.

Here's something worth knowing any time of year, not just during storm season: standard homeowners’ insurance doesn't co...
10/06/2026

Here's something worth knowing any time of year, not just during storm season: standard homeowners’ insurance doesn't cover flood damage. That's always a separate, specific policy, regardless of whether you're in a high risk flood zone. After all we are ALL in a flood zone.
A surprising share of Florida flood claims each year come from homes outside mapped high-risk zones. Heavy rain doesn't check the map first.
If it's been a while since you looked at whether flood coverage makes sense for your home, this is a good time for that conversation. No storm needs to be in the forecast to make it worthwhile.
Ask us about your flood coverage options.

Even in a quiet season, Florida's afternoon downpours don't take a break. A few easy habits that pay off year-round, not...
10/02/2026

Even in a quiet season, Florida's afternoon downpours don't take a break. A few easy habits that pay off year-round, not just during an active storm:
• Keep gutters and downspouts clear so water actually drains away from the house
• Check that your yard's grading still slopes away from the foundation
• Peek at your roof from the ground after a heavy rain. Small issues are a lot cheaper to catch early.

None of this requires a storm on the radar. Just good Florida homeowner habits. 🌧️
Questions about what your policy covers for water damage? We're happy to help.

What an endorsement is (and why it matters)You've probably seen the word "endorsement" on your policy paperwork and skip...
09/29/2026

What an endorsement is (and why it matters)
You've probably seen the word "endorsement" on your policy paperwork and skipped right past it. Here's the plain-English version:

An endorsement is simply a change or addition made to your existing policy — like adding scheduled jewelry, updating your dwelling coverage after a renovation, or adding a driver. It's one of the easiest ways your coverage stays accurate as life changes.

If it's been a while since anything's been reviewed, that's worth a quick conversation.

Generator safety basicsIf you're running a generator this season, a few basics are worth a reminder:• Always run it outd...
09/25/2026

Generator safety basics
If you're running a generator this season, a few basics are worth a reminder:

• Always run it outdoors, at least 20 feet from windows and doors
• Never run it inside a garage, even with the door open
• Let it cool completely before refueling
• Keep it dry and covered when not in use

Carbon monoxide can build up fast and you can't see or smell it — a little extra caution goes a long way.

Storm season doesn't mean staying inside every weekend! If you're looking for something local to do with the family this...
09/22/2026

Storm season doesn't mean staying inside every weekend! If you're looking for something local to do with the family this September, keep an eye out for community events around Cape Coral, Fort Myers, and Pine Island — farmers markets, school fundraisers, and neighborhood gatherings are a great way to shake off the summer heat.

Know of a great local event coming up? Drop it in the comments — we love supporting our SWFL community. 🌿

Insurance Tip: Comparing carriers actually mattersNot all insurance companies price — or cover — things the same way. Tw...
09/18/2026

Insurance Tip: Comparing carriers actually matters
Not all insurance companies price — or cover — things the same way. Two carriers can look nearly identical on paper and still land very differently once you compare coverage limits, exclusions, and claims handling side by side.

That's the advantage of working with an independent agency: we're not tied to one company, so we can actually compare options for you instead of just quoting one.

Filing a claim can feel like a mystery if you've never had to do it. Here's what the process actually looks like, step b...
09/15/2026

Filing a claim can feel like a mystery if you've never had to do it. Here's what the process actually looks like, step by step:

1. You report the loss directly to your carrier — we'll give you the claims number and info you need to get it started
2. A claim number is issued and an adjuster is assigned
3. The adjuster inspects the damage — in person or sometimes virtually
4. You receive a settlement offer based on your policy's coverage
5. Repairs move forward once everything's finalized

Every carrier's timeline looks a little different, but the steps are usually close to this. Knowing what to expect makes a stressful moment a little less stressful.

Address

4524 SE 16th Place, Unit 4
Cape Coral, FL
33904

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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