Serving Brandon, Riverview and Valrico
Your independent insurance agency in Brandon, FL.
One local office for home, auto, flood, health, Medicare, life and business insurance. We compare quotes from several insurers and stay with your policy at renewal and claim time, for families and businesses across Hillsborough County.
- 9+ years of experienceServing Hillsborough County
- Quotes from several insurersCompared in one conversation
- Same price as going directNo broker fee for our help
Most households in Hillsborough County need more than one policy. We look at them together, so the coverage lines up and nothing is paid for twice.
Insurers we work with
Backed by insurers Florida households know.
We deliver reliable service fitted to each client and place your coverage with established insurers, so you have dependable support when you need to use your policy.
Why A&D
An agency that works for you, not for one insurer.
Buying direct means one company's price and one company's answer. An independent agency can look across the market and stay with you after the policy starts.
One conversation, several insurers
We are not tied to one company. We look at what several insurers will offer for your home, car, health or business and show you how they differ.
The same price as going direct
Insurers pay us a commission that is already part of the premium. You do not pay a broker fee for a quote or for our help.
Someone to call when it matters
Renewal letters, Citizens notices, Medicare changes and claims are easier with a person who knows your policy.
9+
Years of experience
About us
People you can sit down with for a better understanding of your coverage.
Insurance is easier with someone who knows your name. For more than nine years we have helped neighbors read renewal notices, sort out Citizens letters and find new coverage when a policy is not renewed.
You deal with the same office every time, whether it is a first quote, a question about a bill or a claim. Visit us at 214 W Brandon Blvd, Monday to Friday, 9am to 4pm.
How it works
From first call to a policy you understand.
Tell us what you need
Call, email or visit the office. A few details about your home, vehicles, family or business are enough to start.
We compare and explain
We gather quotes from the insurers we work with and walk you through coverage, deductibles and price side by side.
You choose, we stay with you
We set up the policy and the paperwork, then review it with you at renewal and help if you need to claim.
Service areas
Local to Brandon, serving Hillsborough County.
Our office is at 214 W Brandon Blvd. We work with homeowners, renters, families, retirees and business owners in the communities around it.
- Brandon
- Riverview
- Valrico
- Seffner
- Bloomingdale
- Lithia
- FishHawk
- Mango
- Dover
- Gibsonton
- Apollo Beach
- Plant City
- Tampa
Rule changes, enrollment deadlines and how coverage works in Hillsborough County.
Home and flood
Citizens flood insurance requirement: what changes on January 1, 2027
Every Citizens home policy with wind coverage will need a flood policy, whatever the home is worth. Here is how to prepare.
Read article
Auto
Florida car insurance minimums: what $10,000 of PIP leaves out
The coverage you need to register a car in Florida does not pay for injuries you cause to anyone else.
Read article
Home and flood
Hurricane deductibles and wind mitigation credits explained
A 2% hurricane deductible on a $350,000 home is $7,000. Here is how the deductible works and how an inspection can cut your premium.
Read article
Common questions
Questions we hear most.
What is an independent insurance agency?
An independent agency is appointed by several insurance companies and is not owned by any of them. That lets us compare options and place you with the insurer that fits, and move you later if a better option appears.
Does it cost more to use an agent?
No. Insurers file their rates with the state, and the premium is the same whether you buy through an agent or directly from that insurer. We are paid a commission by the insurer.
Can you help if I am with Citizens?
Yes. We can check whether a private insurer will offer comparable coverage, explain a takeout letter, and arrange the flood policy that Citizens requires on wind policies from January 1, 2027.
Can I get a policy today?
Often, but not always. Insurers stop accepting new policies when a tropical storm or hurricane watch or warning is issued for any part of Florida, and flood policies usually have a 30-day waiting period. It is best not to wait for a storm.
Does filling in a form on this site start my coverage?
No. Coverage starts only when a licensed agent confirms it. A request through this site is a request for a quote.
How do I check that an agent is licensed?
The Florida Department of Financial Services has a public licensee search where you can look up any agent or agency by name or license number.
Get a quote
Ready to compare your options?
Tell us what you need to insure and we will come back with quotes and a clear explanation. There is no obligation.