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The Integrity Insurance Group was formed with one purpose in mind: To offer people a True, Friendly, and Personalized experience when shopping for their insurance needs

Here is something most people never learn until they file a claim.Your homeowners or renters policy does not stop at you...
10/17/2026

Here is something most people never learn until they file a claim.

Your homeowners or renters policy does not stop at your property line. Personal property coverage usually follows your belongings anywhere in the world, typically up to a percentage of your total contents limit.

That can include the laptop taken from your hotel room, the bike stolen off the back of your car, or your kid's gear at their dorm.

There are limits, deductibles, and special caps on things like jewelry and cameras, so this is not a blank check. But it is real coverage that a lot of people forget they are already paying for.

Want to know what your policy actually says? Send us a message and we will look at it with you.

Word of the month: hurricane deductible.In Florida this is usually written as a percentage of your dwelling coverage rat...
10/14/2026

Word of the month: hurricane deductible.

In Florida this is usually written as a percentage of your dwelling coverage rather than a flat dollar amount, and it applies only to damage from a named storm. Your regular deductible still handles everything else.

Here is what that looks like in practice. A home insured for four hundred thousand dollars with a 2 percent hurricane deductible means eight thousand dollars comes out of your pocket before coverage starts. At 5 percent it is twenty thousand.

Most people have never done that multiplication on their own policy. It is a two minute exercise and it changes how you think about your emergency fund.

Not sure what yours is set at? Send us a message and we will find it for you.

A 1967 coupe does not lose value the way a 2019 sedan does. Your insurance should know that.A standard auto policy pays ...
10/11/2026

A 1967 coupe does not lose value the way a 2019 sedan does. Your insurance should know that.

A standard auto policy pays actual cash value, which means the insurer applies depreciation and hands you a check based on what they think the car was worth that morning. For a restored classic, that math is almost always wrong.

Classic and collector policies use an agreed value instead. You and the insurer agree on the number in writing when the policy is written, so there is no argument later. Many of these policies also cost less than standard auto coverage, because the car is driven less and stored better.

If there is something special in your garage, let us take a look at how it is currently covered.

Fun fact: modern insurance started in a coffee shop.In the late 1600s, London merchants, ship captains, and underwriters...
10/09/2026

Fun fact: modern insurance started in a coffee shop.

In the late 1600s, London merchants, ship captains, and underwriters gathered at Edward Lloyd's coffee house near the Thames to trade shipping news. If a voyage was risky, several people would each put their name under a share of that risk on a single sheet of paper. That is literally where the word underwriter comes from.

That coffee house grew into Lloyd's of London, and the basic idea never changed. A group of people agree to carry a loss that would ruin any one of them alone.

Three hundred years later, that is still the whole business. Neighbors covering each other's worst day. We just do it over coffee in Palm Coast instead of London.

A flood map is not a force field.FEMA reports that between 2014 and 2024, nearly one third of national flood insurance c...
10/07/2026

A flood map is not a force field.

FEMA reports that between 2014 and 2024, nearly one third of national flood insurance claims came from properties outside high risk flood zones. Water does not check the map first. It follows the pavement, the drainage, and the new construction two streets over.

Two things worth knowing:
- Your homeowners policy does not cover flood. Almost none of them do.
- A new flood policy usually has a 30 day waiting period, so the week a storm is named is already too late.

FEMA also estimates that one inch of water in a home can cause around twenty five thousand dollars in damage.

We can quote flood coverage alongside your current policy so you can see the real number instead of guessing.

Your golf cart is having a great time. Your auto policy may not be paying attention.In a lot of Florida neighborhoods, c...
10/05/2026

Your golf cart is having a great time. Your auto policy may not be paying attention.

In a lot of Florida neighborhoods, carts and low speed vehicles run errands, do school pickup, and cross public roads daily. Coverage does not always follow them. Homeowners policies often cover a cart only on your own property, and standard auto policies frequently exclude them entirely.

That leaves a real gap the moment the cart leaves the driveway, and it covers both the damage to the cart and any injury to someone else.

A few questions worth answering:
- Is the cart street legal and registered as a low speed vehicle
- Who is allowed to drive it, including teenagers
- Where is it actually being driven

It is a short conversation and usually an inexpensive fix.

October gets treated like the victory lap of hurricane season. It is not.The Atlantic season runs through November 30, a...
10/03/2026

October gets treated like the victory lap of hurricane season. It is not.

The Atlantic season runs through November 30, and Florida has been reshaped by storms that arrived well after Labor Day. Late season systems tend to form closer to home, in the Gulf and the western Caribbean, which means less warning time than the long track storms of August.

A quick October checklist:
- Know your hurricane deductible before you need it
- Photograph every room and store it in the cloud
- Confirm whether you have flood coverage, because your homeowners policy does not include it
- Keep your policy number somewhere you can reach it without power

If you are not sure what your policy actually covers, call us. We will read it with you honestly, and if your coverage is already solid, we will tell you to stay right where you are.

Florida has passed 1 million registered recreational vessels, more than any other state. The FWC calls us the Boating Ca...
09/30/2026

Florida has passed 1 million registered recreational vessels, more than any other state. The FWC calls us the Boating Capital of the World, and honestly, look around.

Here is what a lot of boat owners assume: my homeowners policy has it covered. Usually it covers a very small boat and a very limited amount of gear, and that is where it stops.

What a boat policy handles that your home policy typically will not:

- Hull damage and motor damage
- Towing and on water assistance
- Fuel spill liability, which can get expensive fast
- Your trailer
- Your gear, electronics and safety equipment

If your boat lives on a lift, in a slip or behind your truck, let's talk about coverage. Call (386) 259-1000.

Fun fact for your next dinner party.Modern insurance was basically invented in a coffee house.In 1688, London merchants ...
09/27/2026

Fun fact for your next dinner party.

Modern insurance was basically invented in a coffee house.

In 1688, London merchants and ship owners started meeting at Edward Lloyd’s coffee house near the Thames because that is where the freshest shipping news arrived. If your ship was heading somewhere risky, other men in the room would agree to carry part of the loss for a share of the payment. To commit, a man signed his name underneath the details of the ship.

Under. Writer. That is where the word underwriter comes from, and that coffee house eventually became Lloyd’s of London.

Three centuries later the idea has not changed one bit. Neighbors sharing risk so one bad day cannot undo one family. We just do the paperwork in Palm Coast instead of over coffee.

Although we are always up for coffee.

Call (386) 259-1000

The Sunshine State has a nickname problem.Florida records about 305 lightning events per square mile every year, the hig...
09/25/2026

The Sunshine State has a nickname problem.

Florida records about 305 lightning events per square mile every year, the highest lightning density of any state in the country. Our afternoon storms are not a personality quirk. They are a statistic.

Here is the coverage piece most people never think about. A direct lightning strike is generally covered. The power surge that races through your wiring afterward is where it gets murky, and that is what quietly takes out the air handler, the pool pump, the well pump and every router in the house.

Equipment breakdown coverage handles exactly that, and it is usually a few dollars a month added to your policy.

Worth a two minute conversation before the next storm rolls through. Call (386) 259-1000.

Address

5182 N Oceanshore Boulevard Suite C
Palm Coast, FL
32137

Opening Hours

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

Telephone

+13862591000

Website

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