Insurance got more expensive. That doesn’t mean you’re stuck.
TRANSLATOR
You Shouldn’t Need a Dictionary to Understand Your Policy.
Clear explanations. Real-world examples. No jargon.
Insurance doesn't have to be confusing.
Why Policies Feel Overwhelming
Terms like replacement cost, actual cash value, ordinance & law, wind deductibles — they’re rarely explained clearly.
We believe informed clients make better decisions. So we slow it down.
Most policies are written to satisfy regulators — not homeowners.
Common Terms Explained Clearly
Replacement Cost vs Actual Cash Value
Replacement cost pays to rebuild today. ACV deducts depreciation.
Hurricane vs Wind Deductible
Florida separates these — and it changes how much you pay out of pocket.
Endorsements
Optional coverage add-ons that often protect against expensive gaps.
How We Walk You Through It
When we review coverage, we:
- Explain what each section actually does
- Highlight what’s optional vs essential
- Discuss risk realistically
- Answer questions without jargon
We want you to understand your coverage — not just sign it.
Copyright © 2020-2026 S & J Insurance Group - All Rights Reserved. Content, including images, displayed on this website is protected by copyright laws. Downloading, republication, re-transmission or reproduction of content on this website is strictly prohibited.
Remember: Coverage cannot be altered, changed or bound via this website.
772-286-2572
Cookie Policy
This website uses cookies. By continuing to use this site, you accept our use of cookies.