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Located in Live Oak servicing Live Oak, Madison, Valdosta, GA and surrounding areas
Serving Florida, Georgia, South Carolina, North Carolina
Your Local, Bilingual Insurance Brokers
English & Spanish
Live Oak Insurance, Inc. is the insurance brokerage of choice in the area. Our strong affiliations with reputable insurance carriers enable us to offer a full range of value-driven products for all types of clients and situations.
Protect yourself with a premium insurance package at the most competitive rates in the area. Call us now at (386) 219-0080 to speak with a professional.
Satisfaction Guaranteed
Free Quotes
Certified Professional
A Complete Range of Insurance Plans
Our insurance agency has expertise in distributing a full range of insurance products. Our staff comprises specialists in every sector of the property, liability, life, and auto insurance marketplace.
Some first-rate policies we offer include:
- General liability insurance
- Personal umbrella insurance
- Home insurance
- Renter insurance
- and more
Any questions? We’re here to answer any questions you may have. Call us!
Non-Committal Consultations with Insurance Agents
When you reach out to us, we’ll set up an appointment time, either in-person or over-the-phone, as it suits you. Our advisors take the time to get to know our clients. We’ll begin our consultation by listening carefully to your wants, needs, and budget.
Only when we understand your desired criteria intimately, will we start our hunt to locate the perfect policy for you.
From there, we’ll leverage our market relationships to display several leading coverage options before you. Alongside our products, we’ll transparently inform you of their respective pricing details.
Insurance Advisors with a Track Record of Success
Licensed, insured, and experienced, our insurance consultants have earned themselves a well-deserved reputation for superior customer service and skill.
We work with integrity—supplying our clients with candid, expert advice, and caring customer service. Our staff combines in-depth product knowledge and unparalleled talent to consistently match our clients with customized, affordable insurance that covers all their bases.
Our goal is the same as yours: to find the best coverage at the best price. We’ll work tirelessly on your behalf to do just that.
Testimonials
⭐⭐⭐⭐⭐
Very knowledgeable and friendly staff. Great experience!
- Sean Surprenant
⭐⭐⭐⭐⭐
They did a great job taking my payment. I payed it 16 days early
- Wilbur to fvfd td Speights
⭐⭐⭐⭐⭐
Very Friendly
- Jeremiah Blevins
Fast and Efficient Insurance Services
Claims Assistance
We don’t stop at supplying excellent insurance plans. Our agency takes quality customer service one step further by providing complete claims assistance.
When the unexpected happens, and you need to submit a claim, you can depend on us to effortlessly and compassionately guide you through the process. We’ll help you fill out your request with every essential detail of the incident and get it to the right person on time.
We’ll be your passionate advocate. We’ll act as your representative to get you the best possible outcome of your claim.
Frequently Asked Insurance Questions
Here are the most common insurance questions Live Oak Insurance, Inc. receives.
Our insurance brokers are always available to answer any questions and address any concerns you may have. Call us at (386) 219-0080 for any further inquiries.
Is the Rate Given to Me Accurate?
Our team makes sure to provide you with the most accurate rate possible so that you know what to expect. If anything, the estimate we give you is higher than the actual price as we rather underpromise and overdeliver.
My Current Insurance Company Has Significantly Increased My Rate. How Can I Get a Lower Rate?
If your current insurance company has increased your rate, you can be sure to find lower rates with Live Oak Insurance, Inc.. Our insurance brokers are here to find you the most competitive prices on the market today, and we’ll fit you with an insurance package that suits both your needs and your budget.
Is There a Fee for Getting an Insurance Quote?
With us, there isn’t.
Book a no-obligation consultation with our team, and you’ll receive free insurance quotes from different carriers so that you can easily compare and contrast. We work with you to find the right insurance quote, no strings attached.
What is the Difference in Insurance if My Vehicle is Financed?
If you’re financing your vehicle, lenders require full coverage rather than the mandatory minimum coverage for your region. To qualify, you’ll have to invest in collision coverage as well as comprehensive coverage.
What is Comprehensive Coverage?
Comprehensive insurance pays for the repair or replacement of your vehicle in the event of damage caused by an unexpected situation such as theft, vandalism, fire, natural disaster, falling or flying objects, or civil disobedience. You are covered up to the current cash value of your car.
What is an “at-fault” Accident?
An “at-fault” accident is when you are considered responsible for causing it, either through an act of your own or a failure to take action.
I Have an RV/Motorhome That I Want to Insure. Do You Offer Coverage?
Yes, at Live Oak Insurance, Inc., we offer specialized RV and motorhome insurance.
Ask our insurance brokers today about our customized insurance plans.
What is Collision Coverage?
Collision coverage pays for vehicle repair or replacement in the event of a crash with another vehicle or an object connected to the ground. You are covered up to the current cash value of your car.
If I Let My Friend Drive My Car, Will He or She Be Covered?
In most cases, car insurance goes with the car rather than the driver. Hence, as long as your friend has a license, your insurance should cover any damage that might occur.
What is a Lapse in Insurance?
A lapse occurs when you stop paying for or cancel your car insurance. We recommend avoiding an insurance lapse as this can result in costly consequences.
When you choose Live Oak Insurance, Inc., we make sure you’re making your payments on time and let you know about all the risks involved.
What is a Deductible?
When submitting an insurance claim, a deductible is an amount you’re responsible for before the insurance company covers the rest.
As your dedicated insurance brokers, we do our best to introduce you to carriers with the lowest deductibles so that you barely ever have to pay out of pocket. This way, not only will you shop the most competitive rates, but you’ll also discover trustworthy lenders that prioritize their clients.
How Long Do Tickets and/accidents Stay on My Driving Record?
Typically, driving accidents and tickets stay on your record for 3 years, but depending on the severity of the violation, they could be there for up to 10. For example, an “at-fault” accident will remain on your driving record for at least 6 years from the date of conviction.
How Do Limits and Deductibles Impact My Premium?
Your premium is how much you pay your insurance company regularly to keep your coverage in place. Depending on the insurance type and specific policies, you can pay your premium monthly, quarterly, biannually, or annually.
An insurance limit is the maximum amount covered when making a claim—usually, the higher your coverage limit, the higher your premium. Our insurance agents can guide you in the right direction when it comes to pinpointing the perfect coverage limit for your needs. And they’ll stay on budget, too!
An insurance deductible is the amount of money you have to pay out of pocket for a covered claim. Generally, you may be able to save money on premiums by selecting policies with higher deductibles. Consult with our insurance professionals to see what’s in your best interest.
Is Hail Damage Covered?
Comprehensive insurance covers hail damage as it falls under the category of “act of nature”. Still, this usually involves a deductible. If severe damage has occurred, you are covered up to the actual cash value of the vehicle.
Is My Car Covered for Damage Caused by a Flood?
Again, comprehensive coverage covers flood damage. If you want full insurance coverage for your vehicle, specifically for non-vehicular accidents, opting for this extra coverage is essential.
I Drove Through a Pothole and Damaged My Car. Is the Damage Covered?
If you have collision coverage or all-perils coverage in your car insurance plan, you are covered for all pothole damage. Driving through a pothole is considered a single-vehicle collision and is, therefore, a covered loss.
What is No-fault Insurance?
No-fault insurance means that your insurer will process your claims and cover the damage, no matter who is at fault for the accident. This insurance type speeds up the coverage process, increasing premiums for the party at fault.
When Should I Review My Insurance Protection?
At Live Oak Insurance, Inc., we believe it’s a good idea to review your insurance protection at least once a year. Still, if you have gone through a significant life change, it’s best to check in with us as soon as possible.
Get in touch with us now at (386) 219-0080 to schedule an appointment.
Contact the Premier Insurance Brokerage Firm
Live Oak Insurance, Inc. is the authoritative provider of comprehensive insurance services. Our recommendations are personalized and tailored to your needs. You can count on us to source a policy that will secure your future.
Get the best insurance. At the best price.
Experience the peace of mind that comes with knowing you’re protected in every circumstance.
Get in touch with us today to book a no-obligation consultation.
