Our Services

Personal Insurance

We keep your personal assets and possessions protected with a variety of coverage options. Auto, home, property, boat and even umbrella policy options are available to you to customize to your coverage needs. Regardless of your needs, you’ll get the same great coverage and service we have built our reputation and business on. Click on any of the links below for more details.

Commercial Insurance

Protecting your business and its assets is a cost business owners keep a close eye on. Balancing quality coverage at manageable rates is a must. We put our experience to work for you, putting together the right coverage at the right rate so your coverage keeps things IN control, without letting costs run OUT of control. Click on any of the links below for more details.

Financial and Retirement Insurance

Planning for your future security should be a priority for anyone during their working years. With IRA programs, life insurance and other offerings, Fahs Insurance can help you get ahead of the planning curve and give you less to worry about. And these days, that’s a good thing. Click on any of the links below for more details.

Homeowners Insurance

Purchasing a home is often one of life’s biggest investments. So you’ll want to make sure your home, personal property, and detached structures are all protected. Our team of agents can provide you with quotes on all our coverage options. We’ll show you ways to take advantage of our discounts based on things you’re probably already doing. Installing burglar alarms and smoke detectors, renovating your home, and having a wind mitigation inspection can all go towards helping you reduce your cost of insurance.

Homeowners Insurance Companies Represented:

  • St. Johns Insurance Company
  • Florida Peninsula Insurance Company
  • Federated National Insurance Company
  • United Property & Casualty Insurance Property
  • Cypress Property & Casualty Insurance Company
  • Security First Insurance
  • Universal Insurance Company (Universal North America)
  • Southern Fidelity Insurance Company
  • Cabrillo Pacific Insurance Services, LLC
  • Tower Hill Insurance

Condo Unit Owners Insurance

Condominium owners need insurance just as much as single-family homeowners. Protection covered by your homeowners association is not enough, and can often be hard to understand. Our agency has extensive experience in deciphering these documents and helping you get the comprehensive coverage you need. Protect yourself, your belongings, and your houseguests from the unexpected.

Renters Insurance

A third of households in the United States are renters and only 45% hold rental insurance. Many people are simply unaware of the coverage they should carry while renting. Yet landlords are not responsible for your belongings if your rental endures a fire, theft or vandalism. With our help, we can find you the best deals and discounts to protect you while renting.

Landlord Insurance

There is a lot of risk involved in renting out your condo, apartment, or residential home. With Landlord insurance, you’re protecting yourself from financial loss. This includes damage caused by fire, robbery, severe weather, and more. You can even get insurance for circumstances that may cause your rental to become unlivable. With so many add-on coverage options, you’ll need our team to help you understand the coverage that you need.

Flood Insurance

As one of the nation’s leading natural disasters, floods cause homeowners and businesses more than a billion dollars a year. Without flood insurance, even a small amount of water damage can cause a large amount of damage. Since there are so many options for flood insurance, you’ll want a seasoned professional to help you choose the best policy to fit your need.

Auto Insurance

Auto insurance is a mandatory requirement for anyone who owns a vehicle. With so many options these days, it can be hard to navigate your options. Consider what you feel is the worst that could happen to you, your passengers, and your vehicle. How would you handle that situation? One of the greatest benefits of auto insurance is having the economic piece of mind it provides you when an emergency occurs. Let us handle it for you.

Motorcycle Insurance

Protection for you and your motorcycle are important. Especially since motorcyclists face a higher risk on the road in comparison to standard vehicles. Our qualified agents are ready to help you decipher all the options available for motorcycle insurance, including coverage for medical payments, passenger liability, equipment coverage, and more.

Boatowners Insurance

It only takes one boating accident to understand the importance of having the right insurance coverage. You could be left paying unexpected liabilities like bodily injury or property damage. That’s why we recommend that all boaters carry insurance, know their coverage, and update their policy regularly.

Golf Cart Insurance

For many golf cart owners, insurance is not something you typically think of needing since you may think you are covered under your homeowners or auto policy. However, if someone is injured on your golf cart, you may find you don’t have enough coverage. Separate golf cart policies can include benefits like liability coverage, medical expense coverage, uninsured/underinsured motorist coverage, and more.

Jet Ski Insurance

Floridians love their personal watercraft. That is why we offer Jet Ski insurance. Our available policies can offer you coverage if your watercraft is damaged or a passenger is injured. Speak with one of our agents to determine the appropriate amount of insurance coverage you need.

Personal Umbrella Policy

Offering an extra layer of protection over your auto or homeowners insurance, a personal umbrella policy prepares you for the worst. A serious accident at home or in your car can be traumatic enough, but what if you get sued because of it or you owe more than you can afford? An umbrella policy protects you when your regular policies reach their coverage limit. It can be used to cover a wide range of losses, including bodily or personal injury and property damage.

Liability Insurance

If you own a business, then you need commercial liability coverage. It provides financial protection for your business assets in the event of a lawsuit. Do not risk letting one lawsuit take everything you’ve worked so hard for. Our professional agents are here to help find you the right coverage to keep your business safe.

Auto Insurance

Commercial auto insurance provides physical damage and liability coverage for the vehicles you use in your business. Although commercial auto insurance provides similar type coverages as your personal auto insurance, there are significant differences in eligibility, coverage, limits, and exclusions. We recommend meeting with one of our agents to discuss the type of coverage your business needs.

Supplemental Health Insurance

Ensuring that you are covered when the unexpected happens, supplemental health insurance covers costs that may not be covered under a traditional health coverage policy. There are a variety of policies to choose from, so we encourage you to let us help you navigate your options.

This insurance is also available for individuals.

Cancer Policies

Although no one wants to think about getting cancer, the chances of it happening have increased with statistics now showing that one out of every four deaths in the U.S. results from cancer. Our available cancer policies let you prepare for the worst-case scenario, with benefits that aren’t included in your primary medical coverage.

This insurance is also available for individuals.

Accident Insurance

You do everything you can to prevent accidents, but when it happens, it can wreak havoc to your savings. Accident insurance is supplemental coverage that fills in the gaps to cover medical expenses and living costs when you get hurt unexpectedly. Our agents can tailor a plan just for you and your family.

This insurance is also available for individuals.

Term Life Insurance

Term Life Insurance provides a simple way to secure benefits for your loved ones after you die. There are a variety of coverage levels and term lengths we can review with you. Some of the benefits of a term life policy are its affordability, the ability to renew the policy without providing proof of good health, and the option to convert it into a permanent life insurance policy at the end of its term.

Universal Life Insurance

If you’re looking for flexible long-term life insurance protection, then Universal Life Insurance is for you. With so many choices, you’ll want to work with our team of professionals to learn which policy can best help meet your needs.


An IRA allows an individual to save for retirement while receiving specific tax advantages. This is an ideal way to start saving for the future. Our licensed agents will discuss with you the minor limitations and types of IRA’s to make sure you can feel confident about your financial future.


Retirement can feel uneasy if you’re not financially secure. An annuity allows you to plan ahead and have confidence in your future finances. There is no restriction on how much you can contribute and you only pay taxes when you withdraw the money. Our licensed agents are happy to walk you through all the benefits and choices available to you.


We offer several retirement insurance choices for individuals who wish to maintain their quality of life after retirement. Policies are based on the individual needs of the client, so we encourage you to make an appointment to discuss the options available to you. Provisions can be made for adequate medical care, travel plans, and home insurance, just to name a few.

Long-Term Care

Normally not covered under traditional health insurance, long-term care insurance provides reimbursement to policyholders for a range of benefits and care options. This includes personal and custodial care in your home, an outside facility, or within a community organization. Long-term care insurance should be talked about before the need for care arises.