Sales hours: Monday-Friday 8:30 am till 5:30 PM
Call: (850) 244-2111
Text: (850) 244-2112
Email: service@harrisinsurance.com
Mailing address: 123 Miracle Strip Parkway SE,
Fort Walton Beach, Florida 32548
Frequently Asked Questions
Appointments are not necessary as you will quickly be assisted by one of our first-available experienced agents during normal business hours.
For your Convenience, we can arrange to conduct entire transactions by phone, fax, mail or email. We can even send you documents electronically for e-signatures.
We accept Cash, Check, Money Order, Discover, Visa & Master Card for down payments.
All installment payments are handled directly by our insurance companies. We are happy to post them for you if you wish to make the payment at our office.
We can initiate your coverage effective immediately upon receiving your signature on the application and your payment. Additionally, electronic signing by email is available for immediate coverage and your convenience.
Since insurance is a legal contract between you and the insurance company, all of our carriers require your express authorization in order to change or modify you policy in any way. We can accept your change request the following ways:
A recorded phone call to (850) 244-2111
Email Service@HarrisInsurance.com,
Fax 850-243-5265 or
US Mail at 123 Miracle Strip Pkwy SE, Fort Walton Beach, FL. 32548.
Many companies may also accept your request by phone or email directly however you will need to provide your policy number in addition to the named insured as listed on the policy.
You can also use our quick links to request common changes. Please be aware that coverage is not attached immediately until accepted by the insurance company. Your request does not automatically bind coverage.
Remove a driver from my policy
Remove a vehicle from my policy
Most policy renewals are offered directly by your insurance company approximately 30 days prior to the policy expiration. Unless notified otherwise, continuation of your policy is automatic upon the insurance company receiving your payment.
If at any time you feel you would like for us to shop your rate with our other companies, please contact us at Service@HarrisInsurance.com and we will be happy to do so.
Sometimes it is necessary for insurance companies to initiate state-wide increases for various reasons. These rate increases are not indicative of actions specifically caused by you.
As your professional insurance representative, if at any time you are not happy with your rate, simply contact us, we can shop your policy with other companies to find you the best value.
We can also review your coverage, options, and deductibles to see if we can tailor your policy to meet your objectives. We have the largest selection of insurance companies in Northwest Florida and are confident in our ability to help you achieve the best coverage at the best price.
AUTO
After an accident or theft recovery, if the insurance company deems your car as “totaled,” it means that the estimate of repairs approach or exceeds the car’s value.
If you were not at fault in an accident, you can make a third-party claim to the “at-fault” driver’s insurance company. You should also secure a repair estimate from the facility you wish to perform repairs on your vehicle. Their insurance company will typically issue the check directly to you and it is your responsibility to pay for your repairs.
If the other driver does not have insurance, your uninsured motorist coverage will respond for medical expenses beyond your Personal Injury Protection (PIP) limits. For physical damage to your vehicle, your Collision Coverage less your chosen deductible will respond.
If your car is stolen you’ll want to file a police report immediately to initiate the process of possible recovery. Most insurance companies have a waiting period in place to see if the car is recoverable. If the vehicle isn’t found within the waiting period, the insurance company will initiate a settlement. You will want to take a complete inventory of everything in and on your vehicle at the time it was stolen.
Sometimes it is necessary for insurance companies to initiate state-wide increases for various reasons. These rate increases are not indicative of actions specifically caused by you.
As your professional insurance representative, if at any time you are not happy with your rate, simply contact us, we can shop your policy with other companies to find you the best value.
We can also review your coverage, options, and deductibles to see if we can tailor your policy to meet your objectives. We have the largest selection of insurance companies in Northwest Florida and are confident in our ability to help you achieve the best coverage at the best price.
HOME/RENTER/DWELLING
We cannot generally answer this question as there are various types of policies and policy types with different insured perils, coverage options, conditions, and exclusions. It is important you understand exactly how your policy responds so you can be assured of protection from exposures most important to you. This is why it is crucial you discuss and review your policies annually with a licensed insurance professional.
Most homeowner policies cover two important areas: Property and Liability. Property covers your structures and possessions.
Liability means your responsibility for expenses you’re legally obligated to pay, for actions caused by you, your family, or as a condition of your property.
Important common examples of perils that are NOT covered in your homeowner policy include flood and earthquake damage.
Renters insurance is typically available for as little as $150 a year and protects you, your possessions, and just as important or more so, your personal liability.
Even as the tenant of a property, you can and will be held responsible for damages caused to a structure you do not own if you are deemed responsible for the damage.
Generally, no. The property owner’s insurance covers the structure itself and seldom a tenant’s possessions or liability. In most cases, the landlord’s insurance company is obligated to pursue claims against you if it’s determined you are legally responsible for damage caused to the landlord’s structure. You should clarify this with your landlord before entering into a lease agreement.
A wind mitigation is an inspection conducted by a licensed professional that examines the following elements of your home: roof covering, roof decking attachment, roof to wall attachment, roof geometry, wall construction, secondary water barriers, and opening protection. Wind mitigations are not required for insurance but significant discounts (25-75%) can be applied when the reports and pictures are supplied to the insurance company for consideration.
A four point inspection looks at the four major systems (roof, electrical, plumbing, HVAC) in an older home and is typically conducted at the time of purchase. Four point inspections are also conducted by a licensed professional or building contractor. Most insurance companies require a four point inspection when a home is older than 40 years or a rental property is older than 30 years.
BUSINESS
Absolutely. Your chance of suffering or causing a loss begins on your first day of business. Many states require businesses to have insurance to begin operating. Premiums also tend to be higher if you conduct business before obtaining proper coverage.
Yes. Home-based businesses are often neglected when it comes to coverage but they deserve attention just as much as brick-and-mortar businesses. Regardless of where your business resides, you’ll want to protect your investment and we can help!
It’s wise to invest in this type of coverage for unforeseen circumstances that cause you to halt business temporarily. Business Interruption Insurance covers the profits you would have earned, based on your financial records, had the disaster not occurred. The policy also covers continuing operating expenses that continue even though business has halted.
For a detailed explanation of our analysis of this question, please see our Personal Auto Policy vs. Business Auto Policy Page
The number of lawsuits against employers is on the rise. EPLI covers your business against claims by workers that their legal rights as employees of the company have been violated. We address this coverage in more detail on our Employment Practices Liability Insurance (EPLI) coverage description page.
