Randy Hill

10/12/2026

⛵🧭 You Never Know What You'll Discover Until You Explore!

Columbus set sail looking for new opportunities. Maybe it's time to explore a few of your own!

When was the last time you took a fresh look at your insurance?

With insurance rates changing across Florida, you might be surprised to discover that better coverage, better rates, or even both could be closer than you think!

🏡 Home | 🚗 Auto | 🌊 Flood

The best part? You don't have to navigate the insurance world alone. That's what I'm here for!

Wishing everyone a Happy Columbus Day from Florida All Risk Insurance! 🇺🇸

And remember… a little exploring today could lead to some great savings tomorrow!

10/05/2026

🎃 Fake cobwebs. Fake skeletons. Real tripping hazards.

It’s officially the season when we make our homes look abandoned… then invite the entire neighborhood over for candy. 😂

A quick reminder from your neighborhood insurance agent: keep walkways clear, tuck away extension cords, and leave enough light for little superheroes and princesses to see the steps.

The only thing anyone should leave your house with is candy. 🍬

What’s your Halloween style? Full haunted house or one pumpkin by the door?

09/23/2026

Some welcome news for Florida homeowners. 🏠

Regulators have approved rate decreases for four property insurance companies. That doesn’t mean every homeowner will see a lower renewal, but it’s another sign that more affordable options are becoming available.

Several carriers have already lowered rates, and I’ve been seeing savings for clients when we compare their options. It’s encouraging to finally have some good news to share about Florida homeowners insurance.

State insurance regulators approved property insurance rate decreases for four private carriers, bringing financial relief to tens of thousands of homeowners at policy renewal. ⬇️🔗

09/22/2026

“I thought I was covered” are five words no one wants to say after a claim.

Do you know:

🏠 Whether your roof is covered at full replacement cost?
🚗 If your liability limits could protect your assets after a serious accident?
🌊 Whether flood or water backup damage is covered?
☂️ Where your coverage ends if a major claim exceeds your policy limits?

Most people know what they pay for insurance—but not exactly what their policies will pay.

Know your coverage before you have a claim.

Message me for a complimentary review of your home, auto, flood, boat and umbrella policies.

📱 727-470-0066

Offering homeowners, flood, auto, boat, motorcycle, and life insurance with over 30 different companies

09/16/2026

If another driver causes an accident, will their insurance be enough to cover your injuries?

Uninsured/Underinsured Motorist coverage can help protect you when the at-fault driver has no Bodily Injury coverage—or not enough.

Do you know if your policy includes it? Send me your declarations page and I’ll gladly help you understand your coverage.

Randy Hill
Florida All Risk Insurance
📱 727-470-0066

09/09/2026

When was the last time someone actually explained your insurance coverage to you?

Most homeowners and auto insurance customers know what they pay—but not always how their policy would respond to a claim or where coverage gaps may exist.

Insurance isn’t only about finding the lowest price. It’s about understanding what you’re paying for and knowing you’re properly protected.

If you’re unsure, I’m happy to review your coverage, explain it in plain English and identify any potential gaps—no pressure.

09/04/2026

🇺🇸 Happy Labor Day Weekend!

Labor Day is more than the unofficial end of summer. It’s a day to recognize the contributions and achievements of American workers and the generations of hardworking people who helped build and strengthen our communities.

At Florida All Risk Insurance, we’re proud to help protect what our customers work so hard for.

We hope everyone has a safe, relaxing, and well-deserved Labor Day weekend!

08/31/2026

Florida insurance rates are finally moving in a better direction—but your current policy may not automatically reflect what’s available today.

Some of the reputable insurance companies we work with have recently reduced their rates, making this an especially good time to compare your home, auto, or boat insurance.

This isn’t about finding the cheapest policy and sacrificing coverage. I’ll review what you currently have, compare it with multiple reputable companies, and let you know honestly whether switching makes sense.

A quick review could uncover:
• A better rate
• Better coverage
• A more reputable company
• Discounts you may be missing

There’s no pressure and no obligation. If your current insurance is already the best option, I’ll tell you that too.

Call or text me directly at 727-470-0066, or comment “QUOTE” below and I’ll reach out privately.

— Randy

08/26/2026

Since returning to insurance full time, it’s been great helping people take a fresh look at their coverage.

I just helped another homeowner save more than $1,500 a year on their home and auto insurance while increasing their coverages.

I’m truly grateful for everyone who has trusted me to review their policies and for those who continue to recommend me to friends and family.

Thank you!

08/24/2026

Your homeowners insurance shouldn’t be something you only think about when the renewal bill arrives.

Rates, deductibles, replacement costs, roof requirements, and available carriers can all change. A policy review can help determine whether your coverage still fits your home and your budget.

If your renewal has increased—or you simply want a second opinion—I’d be happy to review it.

📞 727-470-0066
📧 [email protected]