Tim Huber Insurance

Tim Huber Insurance and Financial Services is an independent insurance agency dedicated to providing exceptional insurance services to clients in the St. Augustine, FL area. With over 20 years of experience in the insurance industry, our agency has established a strong reputation for offering personalized and knowledgeable guidance to clients seeking the most suitable insurance policies for their needs.

Our founder, Tim Huber, began his insurance career in 1998 and has since built a team that shares his commitment to helping individuals and families protect their assets and achieve financial security. At Tim Huber Insurance and Financial Services, we understand that insurance needs can vary greatly from one person to another, so we offer a full range of insurance products, including auto, home, flood, life, commercial, recreational, and classic car insurance.

Meet Our Staff

Our team members are highly qualified and experienced insurance professionals who possess in-depth knowledge of the insurance industry. We are dedicated to staying up-to-date with the latest insurance laws, policy types, and savings opportunities, so we can better serve our clients and offer helpful guidance throughout the insurance process. Our staff members are also trained to provide a quick and reliable service to ensure your needs are met as efficiently as possible.

Our Office

We are proud to serve the St. Augustine, FL community and are conveniently located at 28 Clark St. St Augustine, FL 32084. Our office is designed to be welcoming and comfortable, so you can feel at ease when discussing your insurance needs with our team.

Auto Insurance

Florida drivers are required to have a minimum amount of auto insurance coverage, but it's crucial to ensure you have adequate protection for yourself and your vehicle. At Tim Huber Insurance and Financial Services, we offer a variety of coverage options tailored to meet your unique needs, including liability, collision, comprehensive, uninsured/underinsured motorist, and personal injury protection. Our independent agents can help you select the right coverage limits and deductibles to suit your budget and risk tolerance.

Home Insurance

Your home is probably one of your most valuable assets, and it's important to protect it with the right insurance coverage. At Tim Huber Insurance and Financial Services, we offer comprehensive coverage for homeowners in St. Augustine, FL. Our policies typically include dwelling coverage, personal property coverage, liability protection, and additional living expenses coverage to help you get back on your feet if your home becomes uninhabitable due to a covered event.

Flood Insurance

Florida residents are no strangers to the risk of floods, which can cause significant damage to homes and personal property. Standard homeowners insurance policies typically exclude flood coverage, so it's essential to consider purchasing a separate flood insurance policy to protect your home and belongings. At Tim Huber Insurance and Financial Services, we can help you find the right flood insurance coverage to meet your needs and budget.

Life Insurance

Life insurance is an essential tool for protecting your family's financial future. It can provide a death benefit to help your loved ones cover expenses, replace lost income, and maintain their standard of living after you pass away. At Tim Huber Insurance and Financial Services, we offer various life insurance options, including term life, whole life, and universal life, to ensure you find the right solution for your needs.

Commercial Insurance

Running a business involves various risks, and it's crucial to protect your business, employees, and assets with the right insurance coverage. At Tim Huber Insurance and Financial Services, we offer commercial insurance policies tailored to meet your business's unique needs. Our policies can include general liability, property, workers' compensation, professional liability, and more. Our independent agents can help you review and re-evaluate your current coverage periodically to ensure you have adequate protection as your business grows and evolves.

Recreational Insurance

Whether you enjoy boating, RVing, or ATVing, recreational activities can be a great way to spend your free time. However, accidents can happen, and it's important to have the right insurance coverage to protect yourself and your equipment. At Tim Huber Insurance and Financial Services, we offer various recreational insurance options, including boat, RV, and ATV insurance, to ensure you have peace of mind when enjoying your leisure activities.

Classic Car Insurance

Classic cars are often prized possessions that require specialized insurance coverage to protect their value. At Tim Huber Insurance and Financial Services, we offer classic car insurance policies that consider the unique needs of classic car owners. Our policies can include agreed value coverage, spare parts coverage, and more to ensure your classic car is adequately protected.

Customer Service

At Tim Huber Insurance and Financial Services, we believe in delivering exceptional customer service to every client. We strive to provide a quick and reliable service to help you navigate the insurance process, answer any questions, and assist you in making any necessary changes to your policy. We also maintain a carrier contact list and helpful links on our website to provide additional resources for our clients.

Experience the Tim Huber Insurance and Financial Services difference today. Contact us to get started on finding the right insurance coverage for your needs.