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Open Enrollment for Health Insurance

Let us help you find Health Insurance Coverage that fits your needs and price.

If you would like to request a quote, then fill out the form below and one of our locally licensed agents will contact you to discuss your options.

You can also contact us directly with any questions.

(386) 328-1100 or info@bates-hewett.com

We here at Bates Hewett & Floyd look forward to speaking with you!

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Not your average local agency. We are an independent agency working with individuals and businesses across Northeast Florida and Georgia.

Florida’s minimum auto insurance requirements ar Florida’s minimum auto insurance requirements are designed to meet the law — not to protect you from real-world risk.

We regularly see accidents where damages far exceed minimum limits, leaving drivers exposed to out-of-pocket costs and legal liability.

Understanding what coverage actually protects you is the difference between “having insurance” and being prepared.

Beyond the minimum is where real protection begins.
Florida may be known for sunshine, but when cold f Florida may be known for sunshine, but when cold fronts like this move through, we all feel it — our homes, our businesses, and our routines included.

As part of this community, we understand how uncomfortable and disruptive unexpected cold can be, especially in a state that simply isn’t built for it. When temperatures drop quickly, we tend to see the same issues show up across our area:

• Frozen or burst pipes, especially in exterior walls or uninsulated spaces
• Water damage from small leaks that go unnoticed
• HVAC strain or failure as systems work outside their normal range
• Damage to outdoor plumbing, irrigation, and equipment

A few small steps can help protect your space and give you some peace of mind:
• Let faucets drip slightly overnight
• Cover or insulate exposed pipes
• Open cabinet doors to allow warm air to circulate
• Check on vacant or lightly used properties
• Shut off irrigation systems if possible

Cold weather issues usually come down to preparation — not panic.

We’re all navigating this cold stretch together. Stay warm, take care of your space, and look out for one another.
Auto and liability coverage are often the easiest Auto and liability coverage are often the easiest things to carry over — especially when nothing feels urgent.

But over time, small changes add up. More driving, a new vehicle, added responsibilities, or business growth can quietly change what you’re exposed to.

January is when these adjustments are easiest to make — before schedules fill up and decisions become reactive.

If you’ve been meaning to take a look, we’re happy to walk through it with you.

Before the year gets busy, clarity helps.
Behind every policy is a real conversation, and be Behind every policy is a real conversation, and behind every conversation is a team that cares.

From quick check-ins to bigger conversations, we’re here to make insurance feel clear, manageable, and aligned with your needs.

Proud to serve our St. Augustine and Palatka communities with steady, thoughtful support.
Today is the final day of Open Enrollment. If you Today is the final day of Open Enrollment.

If you’ve been meaning to review your health coverage or double-check that your plan truly fits your needs, today is your last opportunity to make changes for the year ahead.

Once enrollment closes, options become extremely limited — and questions often don’t come up until coverage is needed.

If you want clarity before the window closes, our team is here to help you make a confident decision.
January is the calm before the year fills up. Bef January is the calm before the year fills up.

Before schedules get packed and responsibilities pile on, it’s worth taking a moment to make sure your coverage still fits your life or business today — not last year.

A proactive review now can prevent gaps, unexpected costs, and stress later.

Before the year gets busy, clarity matters.
From our Bates Hewett & Floyd family to yours — From our Bates Hewett & Floyd family to yours — wishing you a Merry Christmas and a safe, peaceful holiday season.

We’re grateful for the trust you place in us to help protect what matters most, and we’re honored to serve our St. Augustine and Palatka communities.

May your holiday be filled with warmth, joy, and peace of mind. 🎄
The holidays are a time to slow down and spend tim The holidays are a time to slow down and spend time with the people who matter most.

Our offices will be closed on the dates below as our team takes time to recharge and enjoy the season.

Thank you for being part of our community — we look forward to serving you again soon.
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