Clear answers before the first call.
These answers explain our process and common starting points. Coverage details depend on the policy, carrier and underwriting.
Can Lewis Howard Insurance Group serve me anywhere in Florida?
The agency is licensed in Florida and accepts requests from across the state. Product availability and placement depend on the applicable licenses, appointments, carrier requirements and underwriting.
Which customers are the agency focused on?
Ordinary Florida households are the priority. We also help begin conversations for high-value homes, multiple properties and private-client needs.
How quickly will someone contact me?
Our published target is within two business hours during normal office hours. Requests submitted outside those hours will be addressed the next business day.
Does submitting the form bind coverage?
No. A website form, email or voicemail cannot bind, change or cancel insurance. Coverage exists only when confirmed through the appropriate carrier and agency process.
Why does the first form ask for so little?
The first step is for routing and follow-up, not underwriting. Sensitive or detailed information should be collected later through an appropriate secure workflow.
Do I need separate flood insurance?
A standard homeowners policy generally does not cover flooding. The right flood option depends on the property and available programs, so it should be discussed separately.
Are you quoting small-business insurance now?
Not actively yet. The site captures small-business interest so the agency can follow up and plan as commercial capabilities and market appointments develop. Submitting interest does not guarantee a quote or placement.
How does the agency use artificial intelligence?
AI may help organize requests, prepare information and support internal workflows. Licensed professionals remain responsible for insurance discussions and decisions. Automated or AI-assisted outbound calls require separate optional consent and are not part of the initial launch.
Is Lewis Howard Insurance Group the same as Ask Lewis Howard?
Ask Lewis Howard is the consumer-facing website and educational brand operated by BLH Group, LLC doing business as Lewis Howard Insurance Group.