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Monday 8:30am - 5pm Tuesday 8:30am - 5pm Wednesday 8:30am - 5pm Thursday 8:30am - 5pm Friday 8:30am - 4pm

Bird Insurance Group LLC

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United States
Dunnellon, FL
Bird Insurance Group LLC

Dunnellon 352-489-1992
Dunnellon fax 352-489-0384
Open Monday-Thursday 8:30am-5pm, Friday 8:30am-4pm

2 locations to serve you:

Crystal River 352-563-1117 & Dunnellon 352-489-1992
Crystal River fax 352-563-0135 & Dunnellon fax 352-489-0384
Bird Insurance Text message number is 352-290-2639

09/01/2026

September is National Preparedness Month — is your coverage ready?
We're smack in the middle of hurricane season, and September also happens to be National Preparedness Month. Perfect time for a quick insurance gut-check:
✅ Do you know your wind/hurricane deductible? It's often a separate percentage, not a flat dollar amount.
✅ Is your flood coverage current? Standard homeowners policies don't cover flood — that's a separate policy.
✅ Have you photographed your home and valuables recently? A simple phone walkthrough now saves major headaches during a claim.
✅ Is your business's contact info and policy documents backed up somewhere other than your office?
Being prepared isn't about expecting the worst — it's about not scrambling when it happens. Give us a call and we'll walk through your coverage together

08/28/2026

Friday Insurance Tip 💡

Running a small business? Don't let "general liability" lull you into thinking you're fully covered. GL typically protects you from third-party bodily injury and property damage claims — but it usually won't cover damage to your own equipment, your work vehicles, or your employees if they're hurt on the job.

That's where inland marine (for tools/equipment), commercial auto, and workers' comp come in. A solid policy isn't one big blanket — it's several coverages working together to close the gaps.

Not sure where your gaps are? That's what we're here for. Give us a call and we'll walk through it together. 📞

08/25/2026

🏠 Homeowners Insurance: What "Sudden and Accidental" Really Means

A lot of homeowners assume any water damage in their house is covered. It's more complicated than that.

Insurance is built to cover sudden, unexpected events, not the wear and tear that comes from a repair being put off.

✅ Walk your home once a season and check under sinks, around water heaters, and near appliances
✅ Fix small leaks right away — before they become a bigger (uncovered) problem
✅ Not sure what your policy actually excludes? Ask us — we'd rather explain it now than after a claim gets denied

📞 Give us a call at (352) 489-1992 — happy to walk through your coverage.

08/21/2026

You know what pairs well with your weekend plans? Knowing you're covered no matter what those plans include — boat day on the river, grilling in the backyard, or just binge-watching your favorite show on the couch you hope never floods. 😅

Here's to a weekend of good weather, good company, and zero claims! 🌞

Got a question about your coverage before you kick off the weekend? Give us a call — we're here to help! 📞352-489-1992

Have a safe and happy Friday, Dunnellon! 💛

08/18/2026

Coverage Tip: Your umbrella policy isn't just "more insurance."

A lot of folks think an umbrella policy just adds a bigger number to their liability limits. That's part of it — but the real value is what happens when your underlying policy hits its limit or has a gap it doesn't cover.

A good umbrella can step in to cover claims your general liability or auto policy excludes altogether, not just pick up where the limit runs out. That distinction matters a lot when a claim is large or unusual.

If you haven't looked at your umbrella coverage in a while, it's worth a second look — especially if your business has grown since you bought it.

Questions about your coverage? Give us a call — we're happy to walk through it with you.

08/06/2026

It's David Bird's birthday! 🎂
The man, the myth, the reason we're all insured against chaos. Happy Birthday, boss! Hope it's a great one.

08/03/2026

🏠 MONDAY MYTH-BUSTER 🏠

MYTH: "My home is insured for what I could sell it for."

FACT: Your homeowners policy covers the cost to REBUILD your home — not its market sale price. These two numbers can be wildly different.

Market value includes your land, location, and what buyers are willing to pay. Rebuild cost is about materials, labor, and current construction prices — none of which have anything to do with your lot or your neighborhood's appeal.

Here in Florida, rebuild costs have climbed fast (materials, labor, and demand after storms all play a role). If your dwelling coverage hasn't been reviewed in a few years, you could be underinsured without realizing it — meaning a total loss wouldn't fully rebuild your home.

✅ Review your dwelling limit every year, especially after any renovations
✅ Ask your agent how your rebuild cost is calculated
✅ Don't assume your coverage "just keeps up" automatically

Not sure if your home is properly covered? Give us a call — we're happy to take a look. 📞 (352) 489-1992

07/30/2026

☔ Rainy Day Reality Check ☔

Florida showers can turn into flooding fast — and here's something a lot of homeowners don't realize: your standard homeowners policy does NOT cover flood damage. 😳

Wind-driven rain during a storm? Usually covered.
Water that rises up from outside and comes in? That's a separate flood policy.

The difference matters when water's creeping toward your front door. Before the next downpour rolls through, let's make sure you know exactly what your policy does — and doesn't — cover. 🏡💧

📞 Give us a call or stop by and we'll walk through your coverage together. Better to check now than during the next storm watch!

07/28/2026

💡 GL and workers' comp serve two totally different purposes — and your business needs both to be properly protected.

📞 Not sure if your commercial coverage has the right pieces in place? Give Bird Insurance Group / The Insurance Centre of Dunnellon a call — we'll walk through it with you.

07/23/2026

🚗 What To Do After a Car Accident 🚗

Accidents are stressful — but knowing these steps ahead of time can save you a headache (and protect your claim) later:

📸 Document the scene – photos of all vehicles, damage, plates, and road conditions
📝 Exchange info – name, phone, insurance company, and policy number with the other driver
👀 Get witness info – if anyone saw it happen, grab their contact details
🚓 Call the police – get a report number, especially for anything beyond a minor fender bender
🏥 Get checked out – some injuries don't show up right away
☎️ Call us – even if it's not your fault, we're here to help you through the claims process

Bottom line: the more you document, the smoother your claim goes.

Questions about your coverage? Give us a call — we're always happy to help. 📞 352-489-1992

Address

20726 West Pennsylvania Avenue
Dunnellon, FL
34429

Opening Hours

Monday	8:30am - 5pm
Tuesday	8:30am - 5pm
Wednesday	8:30am - 5pm
Thursday	8:30am - 5pm
Friday	8:30am - 4pm

Website

http://www.BirdInsuranceGroup.com/

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