SHARE Insurance LLC powered by Renegade

07/14/2026

07/14/2026

🏡🚗 What if you didn’t have to be out of pocket for your insurance deductibles?

One of the biggest concerns I hear from clients is:
“What happens if I have to pay my deductible?”

That’s exactly why I wanted to share Deductible Defender.

For just $249 per year (discount on the package) this optional protection plan can provide over $3,000 in potential benefits, including:

🏠 Home Protection Plan
✅ Up to $2,500 deductible reimbursement (1 claim every 12 months)
✅ Appliance & electronics repair reimbursement
✅ Emergency lodging reimbursement if your home becomes uninhabitable
✅ Home glass breakage reimbursement
✅ Home lockout service reimbursement

🚙 All-Vehicle Protection Plan
✅ Up to $1,000 deductible reimbursement per covered loss
✅ Mechanical repair reimbursement
✅ Emergency travel reimbursement for lodging and meals
✅ ID theft restoration services
✅ Warranty Vault to organize your warranties in one place

Life happens. Whether it’s a burst pipe, hail damage, a breakdowns, fire, or an unexpected auto claim, this program can help soften the financial impact of those surprises.

💡 While insurance helps cover major losses, Deductible Defender helps with many of the out-of-pocket expenses that often catch people off guard.

If you’d like to learn whether this program is a good fit for your household, send me a message or give me a call. I’d be happy to walk you through the details and answer any questions!

📞 Roxane Hodgkins
SHARE Insurance LLC powered by Renegade
239-790-8400

Nationwide deductible reimbursement for auto and home insurance. Enroll today and cut your out-of-pocket costs after a covered claim.

07/13/2026

🚗 Let’s talk telematics…

Telematics programs (those apps or devices that monitor your driving) can be a great way to earn discounts on your auto insurance—but not all programs are created equal.

Every insurance company has its own rules, and they don’t all measure the same driving habits. Depending on the carrier, they MAY evaluate things like:

✅ Hard braking
✅ Rapid acceleration
✅ Speed
✅ Phone usage while driving
✅ Time of day you drive
✅ Mileage driven

Here’s what many people don’t realize: The discounts—and the potential impact on your premium—can vary significantly from one company to another.

Some programs offer a guaranteed participation discount with the opportunity to save even more based on your driving. Others may use your driving data when determining your renewal premium, meaning your rate could increase if your driving habits don’t meet their standards.

Before you sign up, it’s worth understanding exactly what your carrier measures, how your data is used, and whether the program is the right fit for your driving habits.

As an independent insurance agent, I can help you compare carriers and explain how each telematics program works so there are no surprises.

📞Send me a message or give me a call—I’d be happy to help you make an informed decision before you opt in.

[email protected]
239-790-8400

07/06/2026

07/06/2026

💥 It only takes one accident.

One distracted driver.
One injury claim.
One lawsuit.

And suddenly a business owner is facing expenses that could reach tens or hundreds of thousands of dollars.

Commercial auto insurance helps protect your business assets when the unexpected happens.

The question isn’t:

“What’s the cheapest policy?”

The better question is:

“Will my policy protect my business when I need it most?”

That’s the conversation I have with every client.

I help business owners understand:
✔ Liability limits
✔ Hired and non-owned auto coverage
✔ Employee drivers
✔ Physical damage coverage
✔ Uninsured motorist protection

If your business relies on vehicles, let’s make sure you’re properly protected.

📞 Reach out today for a commercial auto quote or coverage review.

SHARE Insurance LLC – A Renegade Insurance Agency

07/02/2026

🎇 Just because something is legal doesn’t always mean it’s covered by insurance.

With Independence Day right around the corner, here’s something worth thinking about…

In Florida, many consumer fireworks—including mortars—can legally be used during designated holidays like the Fourth of July. But here’s the question:

If those fireworks accidentally set your roof on fire or damage your neighbor’s property… would your homeowners insurance cover it?

The answer is one of my least favorite insurance phrases:

It depends.

Coverage can vary based on the circumstances of the loss, your specific policy language, whether negligence was involved, and even whether local ordinances or burn bans were violated.

Many homeowners assume that if fireworks are legal, any resulting damage is automatically covered. Unfortunately, insurance isn’t always that simple.

As an insurance agent, my advice is this:
✅ Celebrate responsibly.
✅ Know your local fireworks laws.
✅ Don’t assume your policy will respond the way you expect.

The best time to understand your coverage is before you ever need to file a claim.

Have a safe, happy, and memorable Fourth of July! 🇺🇸🎆

Question for you: Do you think insurance should cover accidental fireworks damage, or should homeowners be responsible when they choose to light them?

06/29/2026

🚛 Commercial auto insurance isn’t just about finding the cheapest premium.

It’s about making sure your business can survive an accident.

When business owners work with me, they get:

✅ Access to multiple insurance carriers
✅ Coverage reviews tailored to their business
✅ Guidance on liability limits
✅ Help understanding policy exclusions
✅ Local service when questions arise
✅ An advocate during claims

Whether you own:
🔨 A contracting company
🌳 A landscaping business
🚚 A delivery service
🏠 A property management company
⚡ An electrical or plumbing business

I can help you evaluate options and make informed decisions.

Insurance should protect your business—not create surprises.

Let’s talk about your current coverage.

📩 Send me a message for a no-obligation review.

06/25/2026

🚚 Business owners, let’s talk about commercial auto insurance.

One of the biggest mistakes I see is business owners assuming their personal auto policy covers business use. In many cases, it doesn’t.

If you:
✅ Transport tools or equipment
✅ Visit job sites
✅ Deliver products
✅ Have employees driving company vehicles
✅ Use your vehicle primarily for business

You may need commercial auto coverage.

The right policy can help protect your business from:
✔ Liability claims
✔ Vehicle damage
✔ Medical expenses
✔ Uninsured motorists
✔ Costly lawsuits

As an independent agent, I work with multiple carriers to help find coverage that fits your business and budget.

Before you find out the hard way, let’s review your coverage.

📞 Call or text me for a complimentary commercial auto insurance review.



Comment “AUTO” and I’ll send you a checklist of what information is needed for a commercial auto quote.

06/22/2026

🌴 Florida homeowners—your insurance policy should never be “set it and forget it.”

Florida’s insurance market changes constantly.

Coverage options change.
Carriers update underwriting guidelines.
Discount opportunities shift.
Your home’s value may increase.

Yet many homeowners go years without reviewing their policy.

Here’s why an annual review matters:

✅ Make sure your dwelling coverage reflects current rebuild costs
✅ Check for new discounts
✅ Review deductibles
✅ Confirm your roof coverage terms
✅ Make sure endorsements still match your needs

A policy that was a great fit two years ago may no longer be the right protection today.

An annual review isn’t about making changes just to make changes—it’s about making sure your coverage keeps up with your life.

If it’s been more than a year since you’ve reviewed your homeowners policy, now is a great time.