Everything you need to know about AccessAIP.ai, AutoShop, Florida insurance, and how we work. Can't find your answer? Call 844-755-0440.
Enter your property address and our AI pulls data from FEMA flood maps, wildfire risk databases, county assessor records, and satellite imagery. It builds a risk profile, identifies which carriers have appetite for your property, and queries 10+ carriers for real quotes — not estimates. You see a side-by-side comparison in under 60 seconds.
Yes. Quotes are completely free with no obligation. You only pay when you choose a policy and bind coverage. We are compensated by carriers when you bind — the same way any insurance agent is paid. Your rate is never higher because you used us.
AutoShop is our proprietary AI engine that continuously monitors your policies. 60 days before every renewal, it automatically queries 10+ carriers, ranks them by coverage quality, carrier financial strength, and price, and sends you a plain-language comparison with a recommendation. Average savings found: $847/year. You do nothing — AutoShop does the work.
No account is needed for quotes. If you bind a policy, we create a client portal account where you can view all your policies, file claims, download certificates, make payments, and track renewals — all in one place.
Three things: (1) We are a licensed Florida agency with 25 years of experience and three physical offices — not a lead-generation site that sells your info. (2) AutoShop continuously monitors your policies and shops renewals automatically. (3) When you need a human, you get a licensed Florida agent who knows your property, not a call center.
Yes, always. Call 844-755-0440 and a licensed Florida agent will answer — not an automated system, not a call center. Our Ft. Lauderdale, Palm Beach, and Tampa offices are staffed Mon-Fri 8am-6pm. Your agent's direct line is provided when you bind a policy.
Homeowners, auto, commercial auto, general liability, workers compensation, business owners policy (BOP), professional liability (E&O), renters, life, pet, cyber liability, umbrella, and flood. All managed from a single platform with a unified client portal.
Almost certainly yes. Standard homeowners policies DO NOT cover flood damage — not from hurricanes, not from rain, not from storm surge. If your mortgage lender requires it (FEMA zones AE/VE), you must have it. Even in Zone X (low risk), 25% of flood claims come from outside high-risk areas. Our AI automatically checks your flood zone and recommends private flood options that are often 20-40% cheaper than NFIP.
Your hurricane deductible is a separate, higher deductible that applies specifically to hurricane damage. It is calculated as a percentage of your dwelling coverage — typically 2% or 5%. On a $400K home with a 2% hurricane deductible, you pay the first $8,000 of hurricane damage. With 5%, you pay $20,000. AutoShop calculates your true worst-case cost for each option across every carrier.
Yes. Bundling homeowners + auto typically saves 10-25%. Bundling commercial policies (GL + WC + commercial auto) saves 15-30%. AutoShop automatically identifies every bundling opportunity across all 55+ carrier partners.
You may be assigned to Citizens Property Insurance Corporation — Florida's insurer of last resort. Citizens rates have increased 40%+ in recent years and carry surcharge risk. Before accepting Citizens, let AutoShop search specialty carriers and surplus lines markets. We often find private alternatives for properties that other agencies place with Citizens.
Roof age is the second biggest pricing factor after location. Under 10 years: standard rates. 10-15 years: 15-25% increase. 15-20 years: 30-50% increase. 20+ years: may be declined. Metal and tile roofs get better rates than shingle. A new roof often pays for itself in premium savings within 3-5 years. We can calculate your specific ROI.
Common Florida discounts: wind mitigation (hurricane straps, impact windows — up to 30% off), security systems (5-10%), new home (up to 20% for homes under 5 years), claims-free history (10-15%), multi-policy bundle (10-25%), and paid-in-full annual payment (5-10%). AutoShop identifies every discount you qualify for across all carriers.
When you shop yourself, you typically contact 2-3 carriers, get 2-3 quotes over 1-2 weeks, and compare on price alone. AutoShop queries 10+ carriers simultaneously, returns results in 60 seconds, and ranks by coverage quality, carrier financial strength, claims satisfaction, AND price. It also runs automatically at every renewal — so you never have to remember to shop.
AutoShop synthesizes 50+ data points: FEMA flood zone, wildfire proximity, roof age and type, construction material, property age, square footage, claims history (CLUE report), neighborhood crime data, carrier appetite models, current premium vs. market average, hurricane deductible structures, and available discount programs. All of this happens in seconds.
Never. AutoShop is advisory only. It finds better options and sends you a comparison with a recommendation. You decide whether to switch. If you want to keep your current carrier, that is always your choice. AutoShop simply ensures you are making an informed decision with complete market data.
Average savings found by AutoShop: $847/year. This comes from identifying carriers with better rates for your specific risk profile, finding discounts your current carrier isn't applying, and catching rate increases that exceed market norms. Some clients save $2,000+/year; others find their current rate is already competitive. Either way, you know.
Three options: (1) Log into your client portal and click "File a Claim" — upload photos, describe the damage, and we submit to your carrier. (2) Call 844-755-0440 and your agent will file on your behalf. (3) For emergencies (tree on house, water damage in progress), call us immediately and we escalate to your carrier's emergency line. We coordinate with adjusters throughout the process.
60 days before your policy expires, AutoShop automatically queries all carriers for your property type. You receive a comparison showing your current carrier's renewal rate vs. 10+ alternatives. Your agent reviews the comparison and calls you with a recommendation. If a better option exists, we handle the switch — new policy starts the day the old one expires. Zero coverage gaps.
Log into your client portal → Certificates → Request new certificate. Specify the additional insured name and mailing address. Most certificates are issued within 1 hour during business hours. For urgent requests, call your agent directly.
Yes. Most Florida policies allow mid-term cancellation with a pro-rated refund of unearned premium. Some carriers charge a short-rate cancellation fee (typically 10% of the unearned premium). We advise on the financial implications and timing before any cancellation.
This has happened to thousands of Floridians. If your carrier sends a non-renewal notice, AutoShop immediately shops your property across all remaining carriers and surplus lines markets. Your agent contacts you with replacement options. We typically find replacement coverage within 7-10 days — well before your existing policy expires.
Zero. Our services are free to consumers. We are compensated by insurance carriers through standard industry commissions when you bind a policy. Your premium is never higher because you used us — carriers charge the same rate whether you come through an agent or buy direct.
Most carriers accept: pay-in-full (annual), quarterly, monthly (10-pay or 12-pay via premium finance). Pay-in-full annual typically saves 5-10%. Monthly payments may involve a premium finance company with a small interest charge. All payments can be managed through your client portal.
Three factors: (1) Hurricane exposure — Florida faces more hurricane risk than any other state. (2) Litigation — Florida accounts for 8% of US homeowners claims but 76% of homeowners insurance lawsuits. (3) Carrier exits — as carriers leave Florida, remaining carriers bear more risk and charge more. AutoShop helps by ensuring you are with the most competitive carrier for your specific property.
Call 844-755-0440 and talk to a licensed Florida agent. No automated system. No call center. Just a real person who knows insurance.