Shopping Progressive in Fort Lauderdale? Blake Insurance Group is an independent agency serving Broward County, which means we can quote Progressive alongside other competitive carriers and keep the comparison aligned—same limits, same deductibles, and the coverages you actually care about. Whether you drive daily on I-95, keep a boat on the Intracoastal, own a condo near Las Olas, or need commercial auto for a small business, our job is to make the quote clear and the policy usable.
South Florida insurance decisions are won or lost in the details. Auto coverage needs to account for high traffic density, tourism, and higher liability exposure. Property coverage needs to align with hurricane deductibles, condo association master policies, and storm-related risk. Watercraft coverage needs to match your navigation territory and marina requirements. We’ll help you structure coverage for real life—then compare carriers so you can choose the best value.
We build auto coverage around liability limits, UM/UIM strategy, and deductibles you can actually afford—then add the convenience coverages that protect your time: rental reimbursement, roadside, and gap/loan-lease for newer financed vehicles.
If you commute daily, protecting downtime can be as important as protecting the vehicle.
Condo and home coverage should coordinate with hurricane deductible rules and any association master policy. For boats and PWCs, we match liability limits, hull coverage approach, and navigation territory to your real usage—Intracoastal, ocean runs, and marina requirements.
Marinas often require proof of liability limits before allowing berthing.
We review wind/hurricane deductibles and explain how different deductibles change out-of-pocket exposure after a storm. Flood coverage is typically a separate policy from standard homeowners/condo coverage, so we help you plan appropriately.
If a financial responsibility filing is required, we’ll help coordinate the right approach and keep your coverage continuous to avoid resets or compliance problems.
Coverage and eligibility vary by insurer, driver/property profile, and Florida rules. Use this table as a starting point, then run live quotes and review policy forms and endorsements for exact terms.
| Line | Key options | What it does | Local tip |
|---|---|---|---|
| Auto | Liability, UM/UIM, PIP, Collision, Comprehensive | Protects others and your vehicle; UM/UIM helps when the other driver has low limits | Consider stronger UM/UIM with heavy traffic and tourism |
| Auto add-ons | Rental reimbursement, roadside, gap/loan-lease | Keeps you mobile during repairs; gap helps with negative equity | Gap is often important for newer financed vehicles |
| Home/Condo | Dwelling, personal property, loss of use, liability, hurricane deductible | Protects structure/contents and pays for temporary living costs (policy-specific) | Coordinate condo coverage with master policy to avoid gaps |
| Watercraft | Liability, hull coverage, on-water towing, gear coverage | Covers vessel damage and third-party injury/property | Confirm marina requirements before berthing |
| Motorcycle/RV | Accessory/custom parts, specialty endorsements (eligibility varies) | Insures upgrades and higher-value rigs | Keep photos/receipts for upgrades for smoother claims |
| Flood (separate policy) | Building/contents coverage | Protects against flood and storm surge when covered | Consider contents coverage even away from the coast |
| Umbrella | Additional liability over auto/home/watercraft | Expands liability protection for larger claims | Usually requires minimum underlying liability limits |
| SR-22/FR-44 | Financial responsibility filings | State-required proof after certain violations | Keep continuous coverage to avoid resets |
Bundling auto with home/condo, boat, and umbrella can improve value and simplify billing. It also helps coordinate coverages when a storm impacts multiple assets.
Usage-based programs can be helpful for low-mileage drivers or consistent, safer driving habits. We’ll explain what it measures and how it may change premium before you opt in.
A deductible is a budget decision. Choose one you can pay quickly after a loss. A lower premium isn’t helpful if the deductible is too high to use the coverage.
Auto-pay, pay-in-full, and paperless preferences can reduce missed-payment issues and may improve total cost depending on program rules.
Contractors, service businesses, and small fleets often need commercial auto structured with correct liability limits and certificates of insurance for vendors, HOAs, venues, and job sites. We’ll align coverages so the policy matches how the vehicles are used.
If you drive for app platforms, a rideshare endorsement can help close gaps between personal and platform coverage. We’ll explain when each policy period typically applies so you don’t discover a gap after an accident.
We assist drivers and boaters across Fort Lauderdale and Broward County, including: Las Olas Isles, Victoria Park, Flagler Village, Coral Ridge, Wilton Manors, Rio Vista, Harbor Beach, and nearby cities such as Hollywood, Dania Beach, Pompano Beach, Sunrise, Plantation, Weston, and Coral Springs.
Note: Flood coverage is typically separate from homeowners and condo policies. Eligibility and pricing vary by insurer and risk profile.
Yes. Bundling auto + boat/PWC (and home/condo) can streamline billing and may reduce total cost depending on eligibility.
Home policies typically exclude flood. If you’re near waterways or lower elevation, consider a separate flood policy for building and contents.
Hurricane/wind deductibles are often a percentage of dwelling coverage. We can model options so your deductible matches your savings and comfort level.
We can help you explore options for financial responsibility filings when required. Availability and pricing vary by driver profile and state rules.
Bundle policies, review limits annually, use telematics if it fits your driving, and set deductibles you can afford at claim time.
Independent agency: Blake Insurance Group LLC is an independent agency.
Brand ownership: Progressive® and related marks are property of their respective owners. Use is for identification only; no endorsement is implied.
Licensing: Licensed insurance producer (NPN 16944666). Coverage, eligibility, discounts, filings, and deductibles vary by carrier, product, and Florida rules.
