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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.

Most drivers never look closely at their declarati Most drivers never look closely at their declarations page — and especially not at their liability limits.

In Florida, bodily injury liability coverage isn’t required under basic minimum laws. That alone surprises many people.

The real question isn’t “Am I legal?”
It’s “Would these limits realistically protect my savings, income, and future if something serious happened?”

As an independent agency serving St. Augustine and Palatka, we believe clarity matters.

Beyond the minimum isn’t about selling more coverage.
It’s about making sure what you carry actually holds up.
We’re honored to share that our team has receive We’re honored to share that our team has received an Excellence Award from Colonial Life.

Awards are meaningful, but what matters most to us is what they represent: trust, consistency, and showing up for our clients the right way, every time.

To our clients in St. Augustine, Palatka, and the surrounding communities — thank you. Your confidence in us is the reason we get to do what we do.

And to our team — this is a reflection of your integrity, professionalism, and heart. We’re proud of you.
Today we honor leaders who guide our nation and ev Today we honor leaders who guide our nation and every day we work to help protect your family and business. Happy Presidents Day from the team at Bates Hewett & Floyd!
We regularly talk with drivers who assume the othe We regularly talk with drivers who assume the other person’s insurance will take care of everything after an accident.

In Florida, that isn’t always the case. Many drivers carry very limited coverage — or none at all for bodily injury.

Uninsured and underinsured motorist coverage helps protect you and your family if the other driver’s policy falls short. It’s one of the most important conversations we have with clients — not to create fear, but to create clarity.

Beyond the minimum is where real protection begins.
We’re excited to welcome Debbie to our Palatka o We’re excited to welcome Debbie to our Palatka office! 🥳

As our newest receptionist, she’s often the first friendly face and voice you’ll connect with — helping keep things running smoothly and making sure our clients feel welcomed and supported.

We’re glad to have her as part of the Bates Hewett & Floyd team.
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.
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