Nicole Adams

Nicole Adams - Home, Auto & Flood Insurance Agency in Lakewood Ranch, FL

6263 Lake Osprey Dr.  Lakewood Ranch,  FL.  34240. 
4.9 (220 Reviews)

Home, Auto & Flood Insurance Agency Insurance Agency in Lakewood Ranch, FL

Nicole Adams

Nicole Adams

4.9/5 Stars (‎220 Reviews)
941-681-8000
6263 Lake Osprey Dr, Lakewood Ranch,FL. 34240
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GreatFlorida Insurance: Your trusted Florida Insurance Agency
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  • Homeowners
  • Auto
  • Condo
  • Boat
  • Commercial Auto
  • Commercial Property
  • General Liability
  • Business Owners
  • Renters
  • RV
  • Motorcycle
  • Umbrella
  • Flood

Homeowners Insurance

Home is where your life happens. GreatFlorida Homeowners Insurance is assurance that your home and family will be protected from life’s unexpected calamities.

Your Local Agent with GreatFlorida Insurance will make sure your Lakewood Ranch, FL Homeowners Insurance policy will provide adequate coverage in the event of fires, hurricanes, break-ins and more. Compensation for your financial loss will allow you and your family to continue living comfortably.

Get A Free Homeowners Insurance Quote

Frequently Asked Questions (FAQs)

What does homeowners insurance cover in Florida?

A standard homeowners insurance policy in Florida typically covers the physical structure of your home, personal property, liability protection, and additional living expenses if you're temporarily unable to live in your home due to a covered loss.

Is homeowners insurance mandatory in Florida?

Homeowners insurance isn't required by law in Florida, but if you have a mortgage, your lender will likely require you to have coverage.

How are homeowners insurance rates determined in Florida?

Rates for homeowners insurance in Florida are based on factors such as the value and age of your home, its location, construction type, and your claims history.

Does GreatFlorida Home Insurance offer flood coverage?

GreatFlorida Home Insurance policies typically don't include flood coverage. However, you can purchase a separate flood insurance policy for that protection.

How can I lower my homeowners insurance premiums with GreatFlorida Insurance?

Some ways to potentially lower your premiums include installing safety features in your home, maintaining a good credit score, choosing a higher deductible, and bundling your insurance policies.

Auto Insurance

Get the wheels rolling on your Auto Insurance in Lakewood Ranch, FL.

Collisions, theft, and damage to our vehicles can wreak economic havoc on households. Make sure to legally protect yourself against financial loss with affordable auto insurance in Lakewood Ranch, FL, that will help cover auto repairs and related medical costs for yourself and others.

Get A Free Auto Insurance Quote

Frequently Asked Questions (FAQs)

What is the minimum auto insurance coverage required in Florida?

Florida law requires drivers to have auto insurance with a minimum of $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL).

Does GreatFlorida Auto Insurance provide uninsured motorist coverage?

Yes, GreatFlorida Auto Insurance provides uninsured motorist coverage. This coverage can protect you from damages caused by a driver who is uninsured or underinsured.

Does GreatFlorida Auto Insurance cover rental cars?

Yes, GreatFlorida Auto Insurance typically covers rental cars, but it's best to check your individual policy or consult with your insurance agent to confirm.

How does a DUI affect my auto insurance rates in Florida?

A DUI can significantly increase your auto insurance rates in Florida. It's considered a serious offense and suggests a higher level of risk to insurance providers.

How does GreatFlorida Auto Insurance handle claims?

At GreatFlorida, we strive to make the claims process as smooth as possible. You can file a claim online, over the phone, or through your insurance agent. Once the claim is filed, a claims adjuster will review it and guide you through the process.

Condo Insurance

Protect your condo unit with GreatFlorida Condo Insurance

Your condo association's master policy covers the building exterior, but your personal belongings and interior are your responsibility. GreatFlorida Condo Insurance provides coverage for walls-in protection, liability, and more to safeguard your investment in Lakewood Ranch, FL.

Get A Free Condo Insurance Quote

Frequently Asked Questions (FAQs)

What does condo insurance cover in Florida, and how does it differ from the condo association’s policy?

Florida condo insurance (HO-6) covers your unit’s interior, belongings, and liability. The association’s policy covers the building structure and common areas but excludes personal property and interior finishes.

Does condo insurance in Florida cover hurricane or windstorm damage?

Yes, most Florida condo policies include hurricane and windstorm coverage with a separate deductible. In high-risk areas, a standalone wind policy may be needed. GreatFlorida can help ensure proper windstorm coverage.

Is condo insurance mandatory in Florida?

Condo insurance isn’t required by Florida law, but lenders and associations often mandate it. GreatFlorida helps find affordable policies that meet lender and association requirements while protecting your home.

Does GreatFlorida Condo Insurance cover flood damage?

No, standard condo insurance doesn’t cover floods. Flood insurance must be purchased separately. GreatFlorida can help secure flood coverage for full protection against storm surge and rising waters.

How can I save on condo insurance with GreatFlorida Insurance?

Save on condo insurance by installing storm-resistant features, bundling policies, raising deductibles, and maintaining good credit. GreatFlorida agents help you find discounts and tailor coverage to your budget and needs.

Commercial Auto Insurance

Keep your business moving safely with GreatFlorida Commercial Auto Insurance.

Vehicles used for business purposes face greater risks and require specialized insurance coverage. GreatFlorida Commercial Auto Insurance ensures your company vehicles, employees, and business assets are well-protected on Florida roads.

Whether you're managing a single business vehicle or an entire fleet, our policies provide comprehensive protection tailored to your unique business needs in Lakewood Ranch, FL.

Get A Free Commercial Auto Insurance Quote

Frequently Asked Questions (FAQs)

What are the minimum insurance requirements for commercial vehicles in Florida?

Florida requires $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL) for commercial vehicles. Taxis and limousines need higher coverage. GreatFlorida recommends higher limits for better protection against lawsuits.

How is commercial auto insurance different from personal auto insurance in Florida?

Commercial auto insurance covers business-use vehicles with higher liability limits and multiple drivers. Personal auto policies exclude most business activities. GreatFlorida helps ensure your business vehicles are properly covered.

Does GreatFlorida Commercial Auto Insurance offer uninsured motorist coverage?

Yes, GreatFlorida offers Uninsured/Underinsured Motorist (UM/UIM) coverage. It covers medical bills, lost wages, and expenses when an uninsured driver causes an accident, providing critical protection for your business vehicles.

Does GreatFlorida Commercial Auto Insurance cover rented or non-owned vehicles used for business?

Yes, GreatFlorida offers Hired and Non-Owned Auto coverage, protecting your business when employees use personal or rented vehicles for work tasks. This safeguards your company from liability if personal insurance denies a claim.

What additional coverages should a Florida business consider for its commercial auto policy?

Florida businesses should consider Bodily Injury Liability, Comprehensive, Collision, Medical Payments, and UM/UIM coverage. These options protect against theft, accidents, vandalism, and uninsured drivers. GreatFlorida customizes policies to fit your unique business risks.

Commercial Property Insurance

Protect your business assets with GreatFlorida Commercial Property Insurance.

Florida businesses face unique risks from hurricanes, windstorms, and other potential hazards. Commercial property insurance provides essential coverage to protect your building, equipment, inventory, and other valuable business property.

Our comprehensive policies include protection against common risks like fire, theft, and wind damage, ensuring your business can quickly recover and continue operating in Lakewood Ranch, FL.

Get A Free Commercial Property Insurance Quote

Frequently Asked Questions (FAQs)

What does commercial property insurance cover for Florida businesses?

It covers buildings, improvements, equipment, inventory, and furnishings against fire, theft, vandalism, and wind damage. Business interruption coverage helps recover lost income during closures. Flood damage requires a separate policy.

Is commercial property insurance required by law in Florida?

Florida law doesn't mandate it, but lenders, leases, and some local jurisdictions may require coverage. Given Florida's hurricane risk, having commercial property insurance is highly advisable for businesses.

Does GreatFlorida Commercial Property Insurance cover hurricane and windstorm damage?

Yes, GreatFlorida policies generally include hurricane and windstorm coverage. In coastal areas, specialized policies or higher deductibles may apply. Coverage is tailored to your business location and risk profile.

Does GreatFlorida Commercial Property Insurance cover flood damage?

No, flood damage isn't covered by standard policies. GreatFlorida can help secure separate flood insurance through NFIP or private insurers for full protection.

How are commercial property insurance rates determined in Florida?

Rates depend on location, building age, construction type, safety features, and property value. High-risk areas and older buildings cost more. GreatFlorida agents help find discounts and competitive rates.

General Liability Insurance

Protect your business from common risks with GreatFlorida General Liability Insurance.

General Liability Insurance is essential coverage for Florida businesses, offering protection against third-party bodily injuries, property damage, and legal expenses. Whether a customer slips in your store or your employee accidentally damages property, General Liability Insurance covers costs and helps safeguard your financial stability.

GreatFlorida provides customized General Liability policies tailored to meet your specific business needs in Lakewood Ranch, FL.

Get A Free General Liability Insurance Quote

Frequently Asked Questions (FAQs)

What does general liability insurance cover for a business in Florida?

General Liability Insurance covers third-party bodily injury, property damage, personal and advertising injuries. It protects Florida businesses from lawsuits, medical expenses, and legal fees arising from accidents or claims during daily operations.

Is general liability insurance required for businesses in Florida?

General liability insurance isn't legally required in Florida but is mandatory for some professions, like contractors. Many landlords, clients, and vendors also require it to secure contracts and leases.

How much general liability coverage do I need for my Florida business?

Most Florida businesses carry $1 million per occurrence and $2 million aggregate. Higher-risk operations may need increased limits or umbrella policies for added protection. GreatFlorida can help tailor the right amount for your business.

Can GreatFlorida Insurance help me get the general liability coverage required for a Florida contractor license?

Yes, GreatFlorida Insurance helps contractors meet state licensing requirements, typically needing $300,000 bodily injury and $50,000 property damage coverage. Agents assist with certificates and recommend higher limits if needed.

Does GreatFlorida General Liability Insurance cover legal expenses if my business is sued?

Yes, GreatFlorida’s General Liability Insurance covers legal defense, including attorney fees, court costs, and settlements. Coverage applies even to unfounded claims, protecting your business from unexpected legal expenses.

Business Owners Insurance

Protect your small or mid-sized business with GreatFlorida Business Owners Insurance.

A Business Owners Policy (BOP) conveniently bundles general liability and commercial property insurance, providing comprehensive coverage against common risks such as property damage, liability claims, and business interruptions.

Customized for Florida businesses, our BOP policies offer essential protection at competitive rates, ensuring your business thrives even after unexpected events in Lakewood Ranch, FL.

Get A Free Business Owners Insurance Quote

Frequently Asked Questions (FAQs)

What is a Business Owner’s Policy (BOP) and what does it cover for Florida businesses?

A BOP combines general liability and commercial property insurance. It protects Florida businesses against third-party claims, property damage, and business interruptions, offering broad protection in a single, cost-effective policy.

Who needs a Business Owner’s Policy in Florida?

Small to medium-sized Florida businesses with property and liability risks, like retail stores, restaurants, and offices, benefit from a BOP. It offers comprehensive coverage in one convenient policy.

Does a GreatFlorida Business Owner’s Policy cover hurricane damage?

Yes, GreatFlorida BOPs typically include coverage for hurricane and windstorm damage, covering repairs and lost income after storms. Policies may have specific hurricane deductibles based on location.

Does a Business Owner’s Policy include flood insurance for my business?

No, standard BOPs do not include flood insurance. GreatFlorida helps businesses secure separate flood policies through NFIP or private insurers for full disaster protection.

What are the advantages of a Business Owner’s Policy for a small business in Florida?

A BOP offers bundled coverage, cost savings, and simplified management. It can include additional protections like equipment breakdown or cyber liability, tailored to Florida business risks.

Boat Insurance

GreatFlorida Boat Insurance Guarantees Smooth Sailing.

Not only is Florida the biggest state for boating in the USA, but it is also the most accident-prone by a large margin. Make sure to protect your vessel with a customized boat insurance policy for your lifestyle so you can kick back and relax when you're out on the water. Special insurance rates for residents of Lakewood Ranch, FL.

Get A Free Boat Insurance Quote

Frequently Asked Questions (FAQs)

Is boat insurance required in Florida?

Boat insurance isn't legally required in Florida. However, if you have a loan on your boat or you dock it at a marina, you might be required to carry insurance.

What does GreatFlorida Boat Insurance cover?

GreatFlorida Boat Insurance typically covers damage to your boat, motor, trailer, and personal items in the boat. It also covers liability if you injure someone or damage their property.

Are there any discounts available for boat insurance with GreatFlorida?

Yes, GreatFlorida offers several discounts for boat insurance, such as a multi-boat discount, a claim-free discount, and a safety course discount.

Does GreatFlorida Boat Insurance cover me if I use my boat in a race?

Boat insurance from GreatFlorida typically doesn't cover boat racing activities. You should check with your GreatFlorida insurance agent for specific details.

How does boat insurance claims process work at GreatFlorida?

To file a claim, you can contact GreatFlorida Insurance by phone or online. A representative will guide you through the process.

Motorcycle Insurance

Ride protected. Ride with GreatFlorida Insurance.

Florida's scenic views might have you taking a detour, but that shouldn't be the case with your motorcycle insurance in Lakewood Ranch, FL. Find insurance policies that will give you the freedom to ride at a price you can afford with GreatFlorida insurance.

Get A Free Motorcycle Insurance Quote

Frequently Asked Questions (FAQs)

Is motorcycle insurance required in Florida?

Florida does not require motorcycle insurance by law, but it's highly recommended to protect yourself and your motorcycle. If you're in an accident and do not have insurance, you could be held liable for all costs involved.

What does motorcycle insurance from GreatFlorida cover?

Motorcycle insurance from GreatFlorida can provide coverage for bodily injury liability, property damage liability, collision, comprehensive, medical payments, and uninsured/underinsured motorist coverage.

Does GreatFlorida offer insurance for all types of motorcycles?

Yes, GreatFlorida offers motorcycle insurance for many types of bikes, including cruisers, sport bikes, touring bikes, standard, dual-purpose, dirt bikes, and more.

Can I get a discount on my motorcycle insurance?

Yes, GreatFlorida offers several discount options for motorcycle insurance, such as multi-policy, responsible driver, and motorcycle safety course discounts.

How can I get a motorcycle insurance quote from GreatFlorida?

You can request a quote for motorcycle insurance from GreatFlorida online, over the phone, or by visiting a local office.

Renters Insurance

It's Still Your Home, Even When It's Rented.

Your home is not only a place to rest your head at night. You keep your valued possessions and treasured mementos in your Lakewood Ranch, FL house. Your landlord may have insured the structure of the property but only you can protect your personal belongings. That's where renter's insurance comes in.

Get A Free Renters Insurance Quote

Frequently Asked Questions (FAQs)

Do I need renters insurance in Florida?

While renters insurance isn't required by law in Florida, some landlords or property management companies may require it as part of the rental agreement.

What does renters insurance from GreatFlorida cover?

Renters insurance from GreatFlorida typically covers personal property, liability, and additional living expenses if you're temporarily unable to live in your rental unit due to a covered loss.

Does renters insurance cover my roommates?

No, renters insurance typically only covers the policyholder. Each roommate should consider getting their own policy.

Does my renters insurance cover flood damage?

No, renters insurance does not typically cover flood damage. You would need separate flood insurance for that.

How much does renters insurance from GreatFlorida cost?

The cost of renters insurance from GreatFlorida depends on various factors, including the value of your personal property, your coverage limits and deductibles, and the location of your rental unit.

RV Insurance

Adventure Awaits with Confidence.

Your recreational vehicle (RV) isn't just transportation—it's your home away from home. Whether exploring Florida's scenic coastlines, vibrant cities, or tranquil campgrounds, ensure you're protected with GreatFlorida RV Insurance.

GreatFlorida RV Insurance provides comprehensive coverage for motorhomes, travel trailers, and fifth wheels, ensuring you and your vehicle are safeguarded from unexpected incidents on and off the road. From liability protection to coverage against hurricanes and floods, enjoy your journey with peace of mind knowing GreatFlorida has your back.

Get A Free RV Insurance Quote

Frequently Asked Questions (FAQs)

Do I need special RV insurance if I live in my RV full-time in Florida?

Yes, full-time RV residents in Florida need special "full-timer RV insurance." It provides personal liability, medical payments, and loss assessment protection, similar to homeowners insurance but tailored for full-time RV living.

What does RV insurance cover in Florida?

RV insurance in Florida covers liability for injuries or property damage you cause, plus physical damage to your RV from accidents, theft, storms, or vandalism. Optional add-ons include coverage for personal belongings and vacation liability protection.

Is RV insurance required in Florida?

Yes, motorized RVs must carry minimum state coverage: $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Non-motorized RVs aren’t required but should still be insured for full protection.

Do I need special RV insurance if I live in my RV full-time in Florida?

Yes, full-time RV residents in Florida need special "full-timer RV insurance". This coverage includes personal liability, medical payments, and loss assessment protection, similar to homeowners insurance, tailored specifically for full-time RV living.

Does RV insurance cover hurricane or flood damage in Florida?

Yes, comprehensive RV insurance covers hurricane and flood damage in Florida. Basic policies won't cover these disasters, so comprehensive coverage is essential for protection against storm-related incidents. Regularly review your RV policy before hurricane season to confirm sufficient coverage limits and understand insurer requirements for storm preparations.

How can GreatFlorida Insurance help with my RV insurance and claims in Florida?

GreatFlorida Insurance offers personalized RV coverage through independent agents statewide. They partner with multiple insurers to find affordable, comprehensive protection tailored to Florida's unique hurricane and flood risks. GreatFlorida simplifies claims handling with local agents, online or phone support, and dedicated adjusters available 24/7, ensuring a smooth process from start to finish.

Umbrella Insurance

The Superhero of Insurance Products.

Umbrella insurance is the shield you need to help protect you from tapping into your savings, future earnings, and investment funds. Umbrella insurance goes a step beyond traditional policies, covering a wide variety of cases to make sure you're financially protected when faced with major incidents or accidents in Lakewood Ranch, FL.

Get A Free Umbrella Insurance Quote

Frequently Asked Questions (FAQs)

What is umbrella insurance?

Umbrella insurance is a type of liability insurance that goes above and beyond the coverage limits of your other insurance policies, such as homeowners or auto insurance. It can provide extra protection in case of a large claim or lawsuit.

Who needs umbrella insurance?

Umbrella insurance is a good idea for anyone who has assets that could be at risk in a lawsuit. This could include homeowners, car owners, and especially those with a high net worth.

How much umbrella insurance do I need?

The amount of umbrella insurance you need depends on your personal risk factors, including your assets and potential for liability. It's best to speak with a GreatFlorida agent to determine the right amount of coverage for you.

What does umbrella insurance from GreatFlorida cover?

GreatFlorida Umbrella Insurance typically covers large liability claims related to your home, auto, or boat insurance that exceed your standard policy limits.

Does umbrella insurance cover business activities?

Umbrella insurance typically does not cover business activities unless you have a specific commercial umbrella policy. Always check with your GreatFlorida agent to clarify your coverage.

Flood Insurance

Flood Insurance Covers What Your Homeowner's Doesn't.

What is flood insurance? Whether you're native or a new resident of Lakewood Ranch, FL, you are likely familiar with the temperamental weather and hurricane-prone climate of the Sunshine State. It only takes a few inches of water to rack up tens of thousands of dollars worth of damage. Shield your home in Lakewood Ranch, FL with a flood insurance policy to avoid economic disaster when storms strike.

Get A Free Flood Insurance Quote

Frequently Asked Questions (FAQs)

Is flood insurance mandatory in Florida?

Flood insurance is not mandatory for all residents in Florida. However, if your property is located in a high-risk flood zone and you have a mortgage from a federally regulated or insured lender, you are required to have flood insurance.

Does homeowners insurance cover flood damage?

No, standard homeowners insurance policies do not cover flood damage. Flood insurance must be purchased separately.

What does flood insurance from GreatFlorida cover?

Flood insurance from GreatFlorida covers physical damage to your home and personal belongings from floodwaters. It's important to note that coverage limits and exclusions may apply.

How can I find out if my home is at risk of flooding?

You can use the FEMA Flood Map Service to determine your home's flood risk.

Does flood insurance cover damage from hurricanes?

Yes, flood insurance covers damage caused by flooding, which can be a result of hurricanes. However, it does not cover wind damage from hurricanes. This would typically be covered under your homeowners insurance.
About Me

Hi, I’m Nicole, one of the co-owners of GreatFlorida Insurance – The Adams Agency, alongside my husband Bob. We opened our first agency in 2003 with a passion for serving our community and helping families protect what matters most. In addition to my work in insurance, I’ve been a licensed Realtor since 1999 and hold a real estate broker’s license, which gives me a deeper understanding of how to help clients protect their homes and investments.

We’re proud parents to three amazing adult children, two wonderful sons-in-law, and the proud grandparents of two sweet granddaughters. Our family has strong ties to service—our son is currently in the Coast Guard, one son-in-law is a Marine Reservist, and the other is a Coast Guard veteran now serving as a local police officer.

When we're not in the office, Bob and I love spending time on the water—boating and soaking in Florida’s natural beauty whenever we can. We're also active in our church and involved in our local community. I enjoy gardening, photography, reading, and anything that lets me tap into my creative side.

At The Adams Agency, we believe in providing coverage through sunshine and storms, and we're honored to be your trusted insurance partners.

We’re proud parents to three amazing adult children, two wonderful sons-in-law, and the proud grandparents of two sweet granddaughters. Our family has strong ties to service—our son is currently in the Coast Guard, one son-in-law is a Marine Reservist, and the other is a Coast Guard veteran now serving as a local police officer.

When we're not in the office, Bob and I love spending time on the water—boating and soaking in Florida’s natural beauty whenever we can. We're also active in our church and involved in our local community. I enjoy gardening, photography, reading, and anything that lets me tap into my creative side.

At The Adams Agency, we believe in providing coverage through sunshine and storms, and we're honored to be your trusted insurance partners.

Education

Bachelor of Fine Arts in Graphic Design
Moore College of Art & Design, Philadelphia, Pennsylvania

Community Involvement
  • Bayside Community Church
  • Lakewood Ranch Community Foundation
    • Soiree Committee Co-Chair
  • Coast Guard Mutual Assitance Fund
    • Ambassador
Agent Since
2018

Insurance Coverages

About GreatFlorida Insurance

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