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Frequently Asked Questions

Below are some of our frequently asked questions.  If you have any other questions or concerns, please feel free to contact us via the web, or come and visit us at a location near you.

  1. Does Pritchard & Associates handle a wide range of lines of insurance?
  2. How can I get a quote from Pritchards & Associates?
  3. Why do I need to have automobile insurance?
  4. Are there different automobile coverage options?
  5. How much coverage do I need?
  6. Are all Homeowners insurance policy coverage the same?
  7. What does a typical homeowners insurance policy consist of?
  8. Does Pritchard & Associates carry life or health insurance?
  9. How can I find the right business or commercial coverage?
Does Pritchard & Associates handle a wide range of lines of insurance?
Yes, Pritchards & Associates, Inc. handles several different types of insurances. All the insurance options are listed on the home page of this website. There are conveniently located quote forms for each line of insurance. Simply fill a quote form out online and a friendly representative will contact you back.

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How can I get a quote from Pritchards & Associates?
Simply fill out a "secure quote form" from the many lines of insurance available on this website and a friendly representative will contact you. Also, you can call the office at any of our locations for a quote. Please see the "contact us" page on the home screen.

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Why do I need to have automobile insurance?
Auto insurance isn't just a good thing to protect you financially in the case of an accident-in many states it's required.

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Are there different automobile coverage options?
Yes, there are several different coverage options. Some are as follows: Collision and comprehensive, liability, medical, personal injury, uninsured and underinsured, and optional coverage.  All of the insurance companies we represent provide a wide range ofAuto Insurance products at a fair price.

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How much coverage do I need?
Choosing the appropriate level of auto insurance coverage depends on a number of factors including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk. Fill out a secure auto quote form on this website for your best price. 

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Are all Homeowners insurance policy coverage the same?
The coverage you have depends upon the type of policy you have. Unlike auto insurance, where the policies are pretty much the same, homeowners policies can be quite different, depending on the "form" number. The most common types of homeowner policies are:

  1. HO1 Basic or Standard policy
  2. HO2 Broad form
  3. HO3 Special (also called Deluxe, All Risk)
  4. HO4 Renters policy
  5. HO5 Enhanced Special Coverage
  6. HO6 Condo policy
  7. HO8 Older Home Policy
All homeowner policies are "package" policies. You get a group of coverages packaged into your policy for one overall premium. They include coverage on your building, your contents (furniture, clothing,etc.) and liability insurance in case you are sued, under the same policy.

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What does a typical homeowners insurance policy consist of?
A typical policy consists of three things:
1. The Declarations Page - that declares who, what and how much you are insuring, along with the date your coverage starts and the premium.
2. The Policy Booklet - printed pages that contain the details of coverages and exclusions.
3. Endorsements - separate pages, usually with endorsement numbers, that change (or endorse) specific parts of the policy.
Sometimes you are only given the original policy once in the beginning, then on renewal, to cut down expenses, you are just sent the dec. page (declaration page) with the bill. It's a good idea to save the original policies should you ever need to refer to them.

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Does Pritchard & Associates carry life or health insurance?
Yes, Pritchards & Associates, Inc. carry both Life and Health coverage. There are many options available. For a quote, simply fill out and submit the convenient secure "health quote form" or "life insurance quote form" located on the home page of this website.

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How can I find the right business or commercial coverage?
Choosing the right business or commercial insurance plan for your business can be very confusing, so we have developed many different options and programs to meet the needs of our commercial insurance clients in Okeechobee area and throughout the state of Florida.

At Pritchards & Associates, Inc., we can design a specialized package according to your property, liability, and casualty needs. We are also proactive in identifying any factors that may increase your premiums or change your risk, and provide consulting and risk management options to protect your business. Fill out a secure quote form online or call one of our offices to speak to a qualified representative.

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1802 S Parrott Ave
Okeechobee, FL 34974
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877.763.6625
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