Oracle Insurance Group

Call Directions Website

Oracle Insurance Group Oracle Insurance Group differentiates ourselves by offering superior, consistent service across years and generations.

We work with you to determine the best means of coverage for your family. Our approach is built around the diverse needs of our current and future customers. We’d love to walk you through your options and help you discover a solution that fits within your needs and budget. Let’s explore which tailored insurance plan is perfect for you, your family and your business.

Beyond the Damage: What Flood Insurance May Leave You to ManageFlood insurance can help repair covered damage—but what h...
10/14/2026

Beyond the Damage: What Flood Insurance May Leave You to Manage

Flood insurance can help repair covered damage—but what happens to the rest of your household expenses? If flooding makes a home unlivable, a Florida family may be managing temporary housing, regular monthly bills, deductibles and immediate recovery costs at the same time.

Part 2 of my flood insurance coverage looks beyond the physical damage:
• Where would you live during an extended repair?
• Which expenses could remain outside the flood policy?
• When does new or changed coverage actually take effect?

This is Part 2 of the flood insurance topic—the first coverage line in my hurricane-season series. Next, I’ll look more closely at homeowners coverage, followed by auto, business and umbrella insurance.

The goal is to help Florida homeowners and business owners understand the role each policy plays before they need to rely on it.

Click the link below in the comments to get a full breakdown of this topic.

Get the right coverage at the best price and peace of mind for your family's most valuable asset. Call us TODAY at (813) 259-9600 or visit us online at www.oracleinsgroup.com

You Have Flood Insurance. What Would It Actually Cover?Having flood insurance is an important first step. Understanding ...
10/09/2026

You Have Flood Insurance. What Would It Actually Cover?

Having flood insurance is an important first step. Understanding whether the policy protects the building, the belongings inside it or both—and how the limits, deductibles and valuation terms apply—provides a much clearer picture of what the coverage could contribute after a loss.

During hurricane season, Florida homeowners are often reminded that standard homeowners insurance generally does not cover flooding.

That distinction matters, but the conversation should not end with, “Do you have flood insurance?”

What to Check (10-Minute Review)

Pull out your flood insurance declarations page and look for these five details:

- Building coverage: Confirm the limit protecting the insured structure.
- Contents coverage: Check whether your belongings are insured and identify the separate limit.
- Deductibles: Write down the building and contents deductibles individually.
- Valuation terms: Look for how the policy would value covered damage to the building and personal property.
- Effective date: Confirm when the current coverage and any recent changes became active.

You can begin this review independently and bring anything unclear to your insurance advisor.

Get the right coverage at the best price and peace of mind for your family's most valuable asset. Call us TODAY at (813) 259-9600 or visit us online at www.oracleinsgroup.com

Florida homeowners are more concerned about property insurance than property taxes, and most say they see no signs that ...
10/01/2026

Florida homeowners are more concerned about property insurance than property taxes, and most say they see no signs that the state’s insurance market is improving, according to a new University of North Florida poll.

The poll found 63% of respondents were more concerned about property insurance, compared with 36% who were more concerned about property taxes. Insurance was the top concern among major political groups and across regions of the state.

Get the right coverage at the best price and peace of mind for your family's most valuable asset. Call us TODAY at (813) 259-9600 or visit us online at www.oracleinsgroup.com

Florida homeowners insurance rates are dropping for thousands of policyholders. Florida Insurance Commissioner Mike Yaw...
09/25/2026

Florida homeowners insurance rates are dropping for thousands of policyholders. Florida Insurance Commissioner Mike Yaworsky approved property insurance rate cuts affecting more than 62,000 policyholders across the state.

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

Call Oracle Insurance Group TODAY at (813) 259-9600 or visit us at www.oracleinsgroup.com to take advantage of new lower rates for your home or auto insurance policy!

As the 2026 hurricane season continues, the Florida Office of Insurance Regulation reported that home insurance premiums...
09/18/2026

As the 2026 hurricane season continues, the Florida Office of Insurance Regulation reported that home insurance premiums are falling in 51 counties this year.

Lawmakers say legislation they passed in 2022 to reform the state’s insurance industry is now correcting the market.

They say fewer frivolous lawsuits from homeowners, fewer policies held by the state-run Citizens Property Insurance Corporation and increasing competition among insurance companies are starting to fix Florida’s insurance challenges.

State Rep. David Smith, a Republican serving Seminole County, says the outlook is improving after lawmakers passed reforms three years ago. “Multiple insurers are reducing rates. Multiple new insurance companies are coming into Florida and starting writing policies,” Smith said.

The Florida Office of Insurance Regulation says since 2024, 44 insurance companies in Florida requested a rate decrease, and 48 companies requested a zero percent increase, helping to keep insurance bills in check.

Make sure you and your family have the best coverage and the best rates on your biggest asset. Have the experts at Oracle Insurance Group find the right homeowners insurance policy for your needs! Call us at (813) 259-9600 or visit us at www.oracleinsgroup.com

Hurricane preparation goes beyond supplies and shutters. A 10-minute review can help Florida homeowners identify gaps in...
09/11/2026

Hurricane preparation goes beyond supplies and shutters. A 10-minute review can help Florida homeowners identify gaps in their records, household arrangements and understanding of insurance before those details become harder to manage.

Most hurricane checklists focus on the days immediately around a storm: gather supplies, secure the property and know when and where to evacuate.

There is another part of preparation worth thinking through: how you would manage your household if you could not return home, retrieve your paperwork or follow your usual routine.

What to Check (A 10-Minute Review)

- Open your essential records from your phone.
- Confirm you can find policy numbers, claims contacts and identification copies.
- Check which documents you can access without an internet connection.
- Locate your protected document storage.
- Decide which papers would travel with you in a waterproof pouch and which would remain in a secure, appropriately rated waterproof container.
- Review your latest home photos. Look for missing rooms, major purchases or renovations that need documenting.
- Write down your deductibles in dollars.
- Identify where you would access that money and flag any coverage or payment terms you cannot explain.
- Confirm your household arrangements. Identify a realistic place to stay and make sure another adult knows where to find the plan.

Click the link in our comments for a complete Hurricane Preparedness Guide!

To see how you can save money with the best rates for the right coverage on your auto or homeowner insurance policy, call the experts at Oracle Insurance Group TODAY at (813) 259-9600 or visit us at www.oracleinsgroup.com

A new study commissioned by the American Property Casualty Insurance Association (APCIA) and conducted by Moore Actuaria...
09/04/2026

A new study commissioned by the American Property Casualty Insurance Association (APCIA) and conducted by Moore Actuarial Consulting and James Lynch Casualty Actuary shows that Florida Policyholders Paid Nearly $3 Billion Less for Home and Auto Insurance in 2025.

The study states that Florida’s 2022-2023 legal system abuse reforms have successfully stabilized and strengthened the state’s property insurance market, lowered insurance costs for consumers, and reduced excessive litigation.

To see how you can save money with the best rates for the right coverage on your auto or homeowner insurance policy, call the experts at Oracle Insurance Group TODAY at (813) 259-9600 or visit us at www.oracleinsgroup.com

The Florida legislature passed laws in 2023 that changed the way property insurance works there. Three years since the l...
08/31/2026

The Florida legislature passed laws in 2023 that changed the way property insurance works there. Three years since the laws went into effect, some homeowners, lawyers and insurance company insiders say the reforms created a new set of predicaments.

It’s a strain that’s spreading, according to Carolyn Kousky, a member of the Coalition for an Insurable Future, a nonpartisan group working to mitigate the insurance market collapse in the U.S.

“There is a tension between availability of insurance and affordability of insurance,” Kousky says. “Climate changes are making insurance ever more necessary because, as the planet warms, more people are having to suffer through disaster.

Unfortunately, those same trends are also making insurance harder to provide, making it less available and more expensive at the moment we need it more than ever.”

The laws are changing how insurance disputes play out in Florida. Their effects are only beginning to impact homeowners now as claims slowly snake their way through the legal system.

Make sure you and your family have the best coverage and the best rates on your biggest asset. Have the experts at Oracle Insurance Group find the right homeowners insurance policy for your needs! Call us at (813) 259-9600 or visit us at www.oracleinsgroup.com

The Florida Office of Insurance Regulation reported that home insurance rates have decreased in 51 counties so far this ...
08/17/2026

The Florida Office of Insurance Regulation reported that home insurance rates have decreased in 51 counties so far this year. Lawmakers say legislation they passed in 2022 to reform the state’s insurance industry is now correcting the market.

State Rep. David Smith, a Republican serving Seminole County, says the outlook is improving after lawmakers passed reforms three years ago. “Multiple insurers are reducing rates. Multiple new insurance companies are coming into Florida and starting writing policies,” Smith said.

Get the right coverage at the best price and peace of mind for your family's most valuable asset. Call Oracle Insurance Group at (813) 259-9600 or visit us online at oracleinsgroup.com

With Hillsborough County going back to school this week, August also kicks off the Florida Department of Highway Safety ...
08/10/2026

With Hillsborough County going back to school this week, August also kicks off the Florida Department of Highway Safety and Motor Vehicles’ (FLHSMV) child safety awareness month.

Their campaign aims to educate and encourage Florida’s motorists, parents, caregivers, and children to Know Their Zone and be aware of the critical safety areas around school buses, school zones, and neighborhoods where children are walking, biking, or being picked up and dropped off.

It is essential that all motorists understand and adhere to the need to properly stop for school buses, ensuring the safety of all of Florida’s children.

To get the best rates for the right coverage for your vehicle, let the experts at Oracle Insurance Group help. Call us at (813) 259-9600 or visit us at www.oracleinsgroup.com

Address

2605 South MacDill Avenue
Tampa, FL
33629

Opening Hours

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

Telephone

+18132599600

Website

Alerts

Be the first to know and let us send you an email when Oracle Insurance Group posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category