Business Details
Your Trusted St. Augustine Insurance Agency
Tim Huber Insurance & Financial Services has been dedicated to helping individuals and businesses in St. Augustine, FL, and surrounding areas, secure comprehensive insurance solutions tailored to their unique needs. Our team of independent insurance agents specializes in auto, home, flood, life, commercial, recreational, and classic car insurance, ensuring clients receive coverage that meets and exceeds expectations. With a focus on personalized service, we guide clients through policy selection, claims processing, and annual reviews to maintain optimal protection. Our locally owned agency prioritizes transparency, competitive pricing, and a deep understanding of Florida-specific risks, such as hurricanes and flooding.By staying current with evolving insurance laws and market trends, we empower clients to make informed decisions. Our commitment to prompt, attentive service has earned us long-term relationships and positive feedback from satisfied policyholders across the state. We emphasize insurance as a critical safety net, offering peace of mind for unforeseen events while ensuring compliance with legal requirements like auto and home coverage.
Services
Auto Insurance
Home Insurance
Flood Insurance
Life Insurance
Commercial Insurance
Recreational Insurance
Classic Car Insurance
Highlights and features
- Locally owned and operated
- Policies that meet & exceed expectations
- Get an annual policy review
- Experienced agents with Florida-specific expertise
- Transparent, competitive pricing
What people say
Best rates
Excellent service
Prompt and attentive
Quality and value
Peace of mind
Services
Auto Insurance
Auto Insurance in Florida ensures legal compliance and financial protection against accidents, theft, or damage. Our policies cover liability, collision, and comprehensive risks, tailored to individual driving habits and vehicle types. We help clients secure competitive rates while meeting state-mandated coverage minimums.
Home Insurance
Home Insurance safeguards homeowners in St. Augustine against property damage from events like storms, fires, or vandalism. We offer policies covering structural repairs, personal belongings, and liability claims, with options to add flood or hurricane coverage for enhanced protection in Florida's climate.
Commercial Insurance
Commercial Insurance protects Florida businesses from risks like property damage, liability claims, and operational disruptions. Our agents help companies review policies annually, ensuring coverage aligns with evolving needs, including industry-specific risks and employee-related exposures.
Flood Insurance
Flood Insurance addresses Florida's unique risks, covering property damage from heavy rains, hurricanes, or rising water. Standard home policies exclude flood damage, so we specialize in policies through the National Flood Insurance Program (NFIP) and private carriers to ensure comprehensive protection.
Life Insurance
Life Insurance provides financial security for beneficiaries upon the policyholder's death. We offer term and permanent policies tailored to family needs, estate planning, or business continuity, ensuring clients select coverage that aligns with long-term financial goals.
Questions
What types of insurance do you offer?
We provide auto, home, flood, life, commercial, recreational, and classic car insurance tailored to Florida residents and businesses.
How can you help me save on insurance?
Our independent agents compare policies from multiple carriers to find competitive rates while ensuring coverage meets your specific needs.
Do you provide commercial insurance for small businesses?
Yes, we offer customized commercial insurance policies to protect Florida small businesses from property damage, liability claims, and operational risks.
How do I file a claim?
Contact our office directly or use the claims portals of our partner carriers to report incidents and submit necessary documentation for prompt processing.
Is flood insurance required in Florida?
Flood insurance isn't mandatory unless you're in a high-risk zone, but we recommend it due to Florida's vulnerability to hurricanes and heavy rainfall.
Reviews (4)
David Compton
Oct 19, 2021
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Positive:Professionalism
Jennifer and Tammy have been great to work with. They are knowledgeable, Professional, and they took the time to present different options. They really helped us decide on the best policy for our needs.
Jennifer and Tammy have been great to work with. They are knowledgeable, Professional, and they took the time to present different options. They really helped us decide on the best policy for our needs.
Dominique Locas
Dec 19, 2020
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Positive:Professionalism,Value
Staff was courteous and very helpful! Efficient and immediate response. Happy with our decision to pick this insurance co.
Staff was courteous and very helpful! Efficient and immediate response. Happy with our decision to pick this insurance co.
Cathy B.
Sep 30, 2020
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I'm sorry that I have to give them even 1 star! I was with Tim Huber for over a decade and would always ask why our car insurance was so high when we're both safe drivers. I never got a good answer except it was the cheapest they could find us. NOT TRUE! I finally called Brian at State Farm, he ran our car info and saved us $100 PER MONTH! He even saved us $200/year on homeowners insurance that includes more and the deductible is HALF at $2,000 for any catestrophic need including sink holes! Do yourself a favor and call Brian Dziewa 904-940-9740 and start using your money for yourself
Patricia Caldarelli
Jul 29, 2020
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Tammy is wonderful, she searched for a good homeowner's policy for me and she found one that was reasonably priced. I also purchased a car insurance policy and I am very happy. Tammy saved me alot of money.
