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LOI Insurance, Independent insurance agency in Okeechobee, FL
Since 1995 · Licensed in FL
LOI Insurance is an independent multi lines insurance agency serving all of Florida. The agency offers a broad selection of insurance products and says it represents the client, not the company, tailoring coverage strategies for different life stages.
Contact info
- 863-357-1820
- Okeechobee, FL
- loiinsurance.com
Location & business hours
Chinese (Simplified) & French & German & Haitian Creole & Italian & Portuguese (Brazil) & Russian & Spanish spoken+2 more offices
Business hours
- Mon
- 8:30 AM–5:30 PM
- Tue
- 8:30 AM–5:30 PM
- Wed
- 8:30 AM–5:30 PM
What do you need covered?
Hi, I'm Paul, President of LOI Insurance. A licensed agent on my team reviews every quote. Meet Paul →
Quick answer
LOI Insurance at a glance
LOI Insurance is an independent insurance agency in Okeechobee, FL, founded in 1995. It compares 19 carriers including American Traditions Insurance, Assurance America and BlueCross BlueShield of Florida for auto, home, renters and more.
- Founded
- 1995 · 31 years in business
- Agency type
- Independent — not tied to one insurance company
- Carriers compared
- 19 — American Traditions Insurance, Assurance America, BlueCross BlueShield of Florida, …
- Coverage
- 34 lines — auto, home, renters, boat, rv, …
- Licensed in
- FL
- Serving
- Florida, South Central Florida and Lake Okeechobee Area
- Languages
- Chinese (Simplified), French, German, Haitian Creole, Italian, Portuguese (Brazil), Russian and Spanish
Getting a quote
How to get a quote from LOI Insurance
How it works
- 1Call one of the office numbers
- 2Fill out the quote form at https://www.loiinsurance.com/contact/#InqForm
- 3Stop by one of the offices for some products
What to have ready
- Home, Auto, Business, or Other selection on the quote form
No Social Security number needed to start.
Coverage we offer
Insurance coverage in Okeechobee, FL
Personal
- AutoAuto insurance for Florida drivers with options discussed on the page including liability, PIP, uninsured motorist, collision, comprehensive, roadside assistance, and gap insurance.
- HomeHomeowners insurance for properties in the Lake Okeechobee area, including manufactured homes and seasonal homes.
- Renters
- BoatBoat insurance to protect the boat, vessel, and passengers from boating accidents and other incidents on the water.
- RVRV and motorhome insurance for travelers, with options for full-time RVers, liability protection, roadside assistance, total loss coverage, and RV contents coverage.
- Motorcycle
- LifeLife insurance with term life and whole life or universal life options.
- Health
- Medicare Supplements
- CondoCondo insurance designed to complement a condo association master policy.
- FloodFlood insurance for homes and businesses in South and Central Florida, with discussion of NFIP and FEMA flood zones.
- Umbrella
- Fishing Boat
- Power Sports
- Watercraft
- Senior Driver
Business
- Businesses we insure
- Artisan contractors, Restaurants, Towing and recovering, Auto dealers, Car washes, Electricians, Convenience stores, Janitorial businesses, Laundromats, Health and fitness businesses, Salons and barbers
- Discounts we look for
- Snapshot from Progressive, accident forgiveness programs, free pet injury insurance, claim free renewal discounts, small claims forgiveness
- Carriers
- American Traditions Insurance, Assurance America, BlueCross BlueShield of Florida, Bristol West Insurance Group, Dairyland Auto, Federated National, Foremost Insurance Group, Gainsco, Infinity Insurance, Mendota Insurance, Mercury Insurance, Modern USA Insurance, National General Insurance, Progressive, Southern Oak Insurance Company, Stillwater, Tapco Underwriters, Inc., Universal Property & Casualty Insurance Company, Wright Flood Insurance
Already a customer?
LOI Insurance customer service
Report a claim
Call your insurance company's claims line — open 24/7. LOI Insurance will help you follow up.
- American Traditions Insurance1 (866) 270-8430
- Assurance America1 (888) 580-8134
- BlueCross BlueShield of Florida1 (800) FLA-BLUE (352-2583)
- Bristol West Insurance Group1 (800) 274-7865
- Dairyland Auto1 (800) 334-0090
- Federated National1 (800) 293-2532
- Foremost Insurance Group1 (800) 527-3907
- Gainsco1 (866) GAINSCO
- Infinity Insurance1 (800) 334-1661
- Mendota Insurance1 (800) 422-0793
- Mercury Insurance1 (800) 503-3724
- Modern USA Insurance1 (866) 270-8430
- National General Insurance1 (800) 325-1088
- Progressive1 (800) 274-4499
- Southern Oak Insurance Company1 (877) 900-2280
- Stillwater1 (800) 220-1351
- Tapco Underwriters, Inc.1 (800) 334-5579
- Universal Property & Casualty Insurance Company1 (800)470-0599
- Wright Flood Insurance1 (800) 725-9472
- Make a payment
- Use the billing/payment links listed for each carrier on the Companies We Represent page.American Traditions Insurance·Assurance America·BlueCross BlueShield of Florida·Bristol West Insurance Group·Dairyland Auto·Federated National·Foremost Insurance Group·Gainsco·Infinity Insurance·Mendota Insurance·Mercury Insurance·Modern USA Insurance·National General Insurance·Progressive·Southern Oak Insurance Company·Stillwater·Tapco Underwriters, Inc.·Universal Property & Casualty Insurance Company·Wright Flood Insurance
- Change a policy
- The contact page says callers with questions about their policy can call the agency for help.863-357-1820
- ID cards
- Auto insurance page says callers can ask one of the insurance professionals for more information, but no specific ID card process is stated.
- Coverage review
Our team
LOI Insurance agents
Visit us
LOI Insurance offices
- Okeechobee Office1500 SR 70 East, Okeechobee, FL 34972Mon–Fri 8:30 AM–5:30 PM(863) 357-1820Directions →
- Sebring Office3012 US Highway 27 South, Suite 113, Sebring, FL 33870Mon–Fri 9:00 AM–5:30 PM(863) 382-0030Directions →
- Royal Palm Beach Office11953 Southern Blvd., Royal Palm Beach, FL 33411Mon–Fri 8:30 AM–5:30 PM(561) 600-1387Directions →
FAQ
LOI Insurance FAQ
Will my rate go up if I switch?
No. Getting a quote doesn't change your current policy or rate. LOI Insurance compares 19 carriers and shows you the options side by side. You only switch if a new policy saves you money or covers you better.
Do you charge a fee?
There is no charge to get a quote from LOI Insurance. Any fee on a specific policy is shown to you before you buy.
Is LOI Insurance independent?
Yes. LOI Insurance is an independent insurance agency, so it isn't tied to one company and can quote 19 carriers.
How do I get a quote?
Use the chat on this page, call 863-357-1820 or visit the office at 1500 SR 70 East, Okeechobee, FL 34972. It takes about 2 minutes and you don't need your Social Security number.
How do I file a claim?
Call your insurance company's claims line — the numbers are listed on this page under "Already a customer?". LOI Insurance can help you follow up at 863-357-1820.
What Insurance Am I Required To Carry In Florida?
To register a vehicle in Florida, the page says you must carry at least $10,000 Property Damage and $10,000 Personal Injury Protection (PIP).
Is Florida A No-Fault Insurance State?
The page says Florida requires PIP for registered vehicle owners, so each party first turns to their own benefits for up to $10,000 of medical expenses and/or lost wages.
Who Needs Insurance In The State Of Florida?
Anyone who operates a vehicle on the roadways needs insurance, including cars, SUVs, trucks, vans, RVs, motorcycles, golf carts, and off road vehicles licensed for roads.
What Does A Standard Automobile Insurance Policy Cover?
The page says full coverage may include liability insurance, PIP, uninsured motorist, collision coverage, and comprehensive coverage.
What Auto Insurance Options Do I Have?
The page lists options such as increased liability protection, uninsured motorists, higher deductibles, roadside assistance, dropping some coverage on older vehicles, and gap insurance.
What’s The Difference Between An SR-22 And FR-44?
Both are state mandated forms for certain driving infractions, and the page says FR-44 is more serious and raises minimum liability limits to $100,000.
Who we are
About LOI Insurance
Recognition
- Member of
- John Maxwell Team
- Licensed in
- FL