Ponte Vedra Beach, FL Insurance

1. About Us Ryan Locke Founder and President Insurance is something you should have and hope you never have to use. The Locke Insurance Group, founded in 2015 is a unique solution for insurance as we are not tied to any one insurance company. We are an independent company that can issue your customized insurance policy from more than 20 companies (underwriters). Additionally in the unlikely event you have a claim we also have a team of dedicated professionals to walk you through every step of the process in the most expedited manner. In essence we have extreme flexibility and fantastic follow-thru; all for the same price if not lower than anyone else. Out goal is to make sure that all of our clients are adequately protected come claim time.

2. Homeowner Insurance Whether you own or rent, live in a two-story house or high-rise condo, your home and its contents are likely among your biggest investments and making sure they're protected is a priority here at The Locke Insurance Group. We will match your needs with our carriers to provide you with the best policy based on your needs at the very best price. When it comes to protecting your investments, there are few things more important than insuring your home, whether you own or rent, live in bungalow or beach-side high-rise, your home and its contents are likely among your most valuable possessions. The Locke Insurance Group can help you get the best coverage at the best rate through comparing what our numerous carriers have to offer. Property insurance offered: Home Owners Renters Manufactured Homes Condominium Owners Auto Insurance At The Locke Insurance Group, our agents take the time to get to know you on a personal level, which means we care about you and your automobiles needs. We work with nearly a dozen insurance carriers, giving us the ability to search the market, insuring that you are getting the best policy at the very best price. As Florida natives ourselves, we understand the unique automobile insurance needs of Florida residents and can advise and educate you in the best coverage. Here are a few of the options you have when it comes to your auto insurance needs: Personal Injury Protection (PIP) - In Florida, Personal Injury Protection is required to be purchased by all owners of motor vehicles registered in this state. PIP coverage makes the individual responsible for their own injuries in an accident regardless of fault. Collision - Insures the policyholder from loss during a collision with another vehicle or object. Comprehensive - Protection for the policyholder's car from damage and loss resulting from incidents other than collision. Medical - Generally pays for medical costs for you and your passengers

3. after you are hurt in a car accident, regardless of who is found at fault for the accident. Uninsured Motorist Coverage - covers medical treatment of the policyholder's injuries in the event of a collision with an uninsured driver. In addition, we offer more specialized plans that cover: Antique Auto Insurance Coverage We also offer specialized Antique Auto coverage liability and Physical Damage insurance for the Antique and Collector Car industry. Motorcycle Insurance we insure most types of motorcycles including: Cruiser bikes, Sports bikes, Endures, dirt bikes, scooters, trikes and most custom bikes. RV Insurance we take pride in giving you the specialized RV insurance overages that ordinary auto insurance doesn't provide. Life Insurance Finding the right life insurance policy for you and your loved ones can be very tough. We are here to help you find a policy ,whether it be a permanent plan with Living Benefits that you can use in your lifetime or a term policy that is available for a specific amount of time. We'll help you understand your options and figure out how much and what kind is right for you The Locke Insurance Group offers several types of life insurance to match your needs, so you can get the assurance of knowing you're covered, protecting your family's future while meeting your financial goals, giving your loved ones one less thing to worry about during difficult times. Key Features of Term Life Insurance * Affordable coverage * Death Benefit * Option to Convert to Permanent Life Insurance Whole Life Insurance Also, sometimes called "straight life," or "ordinary life", is an insurance policy which is guaranteed to remain in force for the insured's entire lifetime or to the maturity date. Premiums are fixed, based on the age of issue, and usually do not

4. increase with age. Whole life polices can generate cash value over the course of time, as do other types of permanent life insurance, this cash value is one of the key elements of whole life insurance. Key Features of Whole Life * Death Benefit * Guaranteed premiums that will never increase * Dividends * Guaranteed cash value that accumulates on a tax-deferred basis over time Insurance is something you have to have, but hope you never have to use. We take pride in making sure that all of our clients are adequately protected come claim time. Contacts