Personal Insurance with Robbins Insurance & Financial Services, Inc, Bradenton, FL

Woman in the Car - Insurance & Financial Services in Bradenton, FL

Auto Insurance

Let us steer you to understanding Florida's insurance laws and how they affect the coverage you need. We cover the following:
  • Collision
  • Comprehensive
  • Personal Injury Protection
  • Medical Payments Coverage
  • PIP Deductibles
  • Lost Wages
  • Property Damage Liability Coverage
  • Uninsured/Underinsured Motorist Coverage

Are you adequately insured?

Legal Minimums are likely not enough coverage. Many people buy insurance through their insurance agent thinking they have bought adequate coverage to protect themselves. In our practice we have seen people who have bought what the law requires them to buy. However, you may not realize that the minimum amount of insurance coverage that the law requires in many cases is not enough. We see a lot of people in our practice who unfortunately find out too late that the minimum coverage is not adequate coverage. You should carefully examine your present insurance coverage and make sure that you understand exactly what you have and, more importantly, what you don't have. We suggest you contact your insurance agent and go through these coverage's with your agent.

Antique & Classic Car Insurance

Along with Auto Insurance, we also cover Antique & Classic Car Insurance.

Motorcycle Insurance

We can help protect your motorcycle and give you the peace of mind you need.

RV Insurance

RV insurance can protect your motor home, travel trailer, camper and even your horse trailer. Let Robbins Insurance & Financial Services, Inc. help you select the right coverage for your RV needs and get a great price at the same time.

Florida Recreational Vehicle Insurance

  • Liability coverage provides you with bodily injury and property damage coverage, medical payments, uninsured coverage, and more.
  • You may be able to choose how your Comprehensive and Collision coverage will be settled in the event of a covered total loss. Options tailored to your needs can include:
    • Stated Value - market value/actual cash value of the RV
    • Agreed Value – the insured amount, regardless of the current market value
    • Replacement Cost – replace your insured RV with a new RV that is most like it
  • Consider Vacation Liability coverage for the event that something happens when you stop driving and start using your recreational vehicle as a temporary residence. Some policies can include additional coverage for physical damage in Mexico.
  • Personal Effects Coverage provides replacement cost for damage or loss to items normally used with your RV when physical damage coverage is selected. Examples of some of these items are the bedding, plates, pots, pans etc.
  • Some policies include Roadside Assistance, which has you covered 24/7 in the event of a breakdown or accident. Some will even allow you to upgrade the coverage to include lodging, transportation, and meal coverage if needed.
  • Ask if customer assistance is available 24/7 to answer all your insurance questions. In the event you have a loss, the insurance companies we work with have skilled claims teams who will work with you to get your RV repaired and back on the road.

Golf Cart Insurance

Our golf cart insurance can cover many of the same things a basic auto policy can cover. Call us today if you're interested in protecting you, your golf cart, and others from accidents.

Watercraft Insurance

Our watercraft insurance plans can provide you with coverage against many different types of loss. We offer:
  • Physical Damage Coverage
  • Liability Coverage
  • Medical Payments Coverage
  • Uninsured Motorists Coverage

Offroad Vehicle Insurance

Whether you are a recreational ATV rider, or use your side by side to manage miles of fence line having it damaged, wrecked, or stolen can cause loss of time and money. We can provide different types of off road vehicle insurance to cover your vehicle needs.
  • ATV Insurance
  • Dirt Bike Insurance
  • Side-by-Side & Full Size 4wd Insurance

Aviation Insurance

Aviation insurance is a very unique market and requires additional knowledge to ensure that you, your aircraft, and hangar are properly covered. Our agency has continued to provide this expertise since we opened our doors. Let our aviation expert help address specific situations, such as:
  • Insurance for your privately owned airplane
  • Insurance for aviation businesses
  • Flying aircraft owned by someone else
  • Acquiring premises liability coverage for hangar or tie-down space
  • Securing coverage that offers higher liability limits — which is often costly and hard-to-find

Homeowners Insurance

Ensure you have the insurance policy that meets your life and needs. Home insurance protects you from damage and theft.

Coverage Options:
  • Theft
  • Fire and lightning
  • Windstorm and hail
  • Smoke damage
  • Falling objects
  • Vandalism
  • Accidental overflow from plumbing
  • Accidental electrical damage to appliances
  • Damage by vehicles
  • Freezing damage
  • Weight of ice or snow

Condo Insurance

Condo insurance can provide coverage for your personal property and much more. For a few more dollars, you can elect to carry Replacement Cost on Personal Property, which ensures that you are reimbursed full replacement value without regard for depreciation after a covered loss. Wondering what constitutes personal property? It is all of your personal belongings such as linens, clothes, pots & pans, furniture, etc.

Your condo unit owner's insurance policy can protect you and your family members against bodily injury and property damage liability claims and any litigation that may result, subject to the limits you select. In addition, you can select medical payments coverage, which can pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. You can be sued by anyone that comes on your property and is injured, whether they were invited or not.

Be sure to consult your Condominium documents to determine what the Association policy covers, what you are responsible for, and to determine the potential for assessments and coverage needs.

Renters Insurance

If you rent an apartment, house or even a dorm room, you need renters insurance to protect you and your property. Your landlord's insurance policy doesn't cover your belongings. So if fire, theft or weather damages your property, you'll need the protection of renters insurance.

Renters insurance is surprisingly affordable. Robbins Insurance and Financial Services can tailor your coverage so that you get the insurance you want at a price you can afford.

Consider these apartment renters insurance options, tailor a policy that's right for you:
  • Personal Liability
  • Medical Payments
  • Extended Replacement Cost on Contents
  • Water Backup
  • Credit Card
  • Jewelry, Watches, Furs
  • Firearms
  • Extended Replacement Cost
  • Personal Injury Liability
  • Theft Extension
  • Earthquake and Volcanic Eruption
  • Building, Additions, and Alterations
  • Loss of Use
  • Money
  • Hurricane
  • Windstorm or Hail
  • Securities

Mobile Home Insurance

Mobile homes are far less expensive than a single family home, but offer the same benefits and pride as owning a single family home. Your mobile home is a valuable investment that you want to protect, as you do with anything of value.

What you may not be aware of is that when you purchase a mobile home, they do require a different type of homeowners' insurance coverage than a single family home. Your mobile home requires a specialized coverage since they are constructed differently and also since many have carports, sheds, and awnings.

Here at Robbins Insurance we have professionals that are experienced in finding the best and most affordable insurance policies for our clients. Contact us anytime for a quick and accurate quote, allowing you to sit back and enjoy the peace of mind of knowing we are working for you and protecting your home and assets.

Dwelling Fire Insurance

Dwelling Fire Insurance covers a variety of hazards. Some including:
  • Lightening
  • Fire
  • Wind Damage
  • Hail or Sleet
  • Sinkholes
  • Riot
  • Smoke Damage
  • Explosion

Flood Insurance

Flood is the #1 natural disaster in America. Flood policies offer you coverage for physical loss and damage caused by flood or rising water.
If you live in an area that is considered a high flood risk, Flood insurance can be essential. Home policies usually do not cover this. Scenarios that can cause flooding are:
  • Rain
  • Snow
  • Severe Coastal Weather
  • Pipe Burst

Wind Insurance

This insurance was designed to protect your property from wind gusts that exceed 35 miles per hour. This could be caused from:
  • Tornadoes
  • Hurricanes
  • Hail
  • & Other Weather Events

Personal Umbrella

Personal Umbrella insurance is an extra liability insurance to protect you from major claims and lawsuits.

Inland Marine

Your precious items need to be protected. Whether your valuables are family heirlooms, artwork, or expensive pieces of equipment or, it would be both financially and emotionally damaging if harm came to them.

A personal inland marine insurance policy goes beyond the coverage offered in a homeowners policy. It is designed to protect specific pieces of highly valuable property such as:
  • Fine Art
  • Collectibles
  • Jewelry
  • Electronics
  • Furs
  • & More