Frequently Asked Questions – The Marcus Group

We’ve gathered some of the most common questions families and business owners throughout Florida ask us. If you don’t see your question here, reach out — we’re always happy to help.

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Personal Insurance FAQs

  • Do I really need flood insurance if I already have homeowners insurance?

    Yes. Standard homeowners insurance policies do not cover flood damage. In South Florida, flood insurance is strongly recommended — especially in Broward, Palm Beach, and the entire state of Florida.

  • Can I bundle my home and auto insurance?

    Yes. Bundling home and auto policies often saves money and simplifies your coverage.

  • What’s the difference between condo insurance and homeowners insurance?

    Homeowners insurance covers the entire home, while condo insurance typically protects only the inside of your unit and your personal belongings.

  • Do you insure secondary homes or vacation rentals?

    Yes. We offer coverage for secondary residences, Airbnb properties, and short-term rentals in Florida.

Auto Insurance FAQs

  • What auto insurance is required in Florida?

    Florida requires drivers to carry at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL). Many drivers choose higher coverage for better protection.

  • Can I insure a classic car or motorcycle?

    Yes. We provide specialized coverage for classic cars, motorcycles, and recreational vehicles in Broward, Palm Beach, and across Florida.

  • What’s the difference between liability and full coverage auto insurance?

    Liability covers damage and injuries you cause to others. Full coverage typically includes liability, collision, and comprehensive protection for your own vehicle.


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Commercial Insurance FAQs

  • Is general liability insurance required for Florida businesses?

    It isn’t always required, but most landlords, contractors, and clients will require proof of general liability coverage. It protects your business from lawsuits and accidents.

  • Do you offer workers’ compensation insurance?

    Yes. Florida businesses with four or more employees are generally required to carry workers’ comp coverage. We’ll help you stay compliant.

  • Can you insure fleets, trucks, and commercial vehicles?

    Yes. We provide commercial auto insurance for fleets, trucks, vans, and company cars.

  • What are surety bonds, and do I need one?

    Surety bonds guarantee that contracts are fulfilled. They’re often required for construction, government, and business contracts in Florida.

General Agency FAQs

  • How quickly will I get my insurance quote?

    In most cases, we can provide a quote the same day once we have your information.

  • Which insurance carriers do you work with?

    We partner with top-rated carriers across home, auto, and commercial insurance, including Progressive, Travelers, Mercury, Kemper, Safeco, Cabrillo, Cypress, Edison, Olympus, Tower Hill, and more.

  • Can I make payments online?

    Yes. Our secure online payment system makes it easy to manage your premiums.

  • What sets The Marcus Group apart from other agencies?

    We’re a family-owned agency with four generations of experience and deep roots in Broward, Palm Beach, and the entire state of Florida. Our knowledge and customer-first service make us a trusted local partner.

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Still Have Questions?

We’d be happy to answer them. Contact The Marcus Group at (954) 721-1180 or Request a Quote Online today.