Question 1

Who are we?

Accepted Answer

H&M Insurance and Tax Agency provides clients in the Orlando, Florida area with the best insurance (https://www.thezebra.com/auto-insurance/florida-car-insurance/orlando-fl-car-insurance/)options for an affordable price. We work with you to find the right policy for the right price. H&M Insurance and Tax Agency is an independent agency that puts the customer first. We have relationships with dozens of insurance companies, allowing you to get the perfect service for you at the best price. Regardless of your history with other companies, we will work hard to get that perfect coverage. We work twenty-four hours a day, seven days a week, to answer your questions and deliver you top customer service. You can even make the latest changes to your policy directly from our website 24/7, just use any of our convenient forms from the comfort of your home or office. We currently offer a variety of insurance options including auto insurance,(https://www.nerdwallet.com/blog/insurance/cheapest-car-insurance-in-florida-fl/) life and health insurance,(https://www.angieslist.com/companylist/orlando/health-insurance-providers.htm) home insurance, (https://www.consumeraffairs.com/insurance/car-insurance-orlando.html)and business insurance. As an independent insurance agent, we can offer the right coverages with the personal touch you’d expect from your neighborhood insurance agent. Contact H&M Insurance and Tax Agency to receive the highest quality customer service and find the perfect plan for you today.

Question 2

What services do you provide?

Accepted Answer

We offer assistance in finding and selecting the best insurance coverage for you. We offer assistance in finding the best policies in the following insurance categories: 
 • Health Insurance
 • Home Insurance
 • Renter’s Insurance(https://www.expertise.com/fl/orlando/homeowners-insurance)
 • Life Insurance
 • Health Insurance
 • Auto Insurance
 • Business Insurance
 • Commercial Insurance
Our job is to work with insurance companies to find you the best deal. At H&M Insurance and Tax Agency, your needs come first. We will make sure you are getting the best price and the best coverage. In addition to our insurance services, we also offer a variety of other services, including tax-preparation, real estate services, Medicare assistance, and immigration consulting. If you have any questions about the many services we offer, please call, email us, or fill out the contact form on our website at any time. We look forward to hearing from you.

Question 3

How can I get a quote?

Accepted Answer

We offer an easy and efficient way to receive insurance quotes. You simply have to fill out the forms that you see on our website. Click on whichever insurance service you’d like and you will find a link to an easy-to-use online form. After you fill this form out, we will contact you with your free quote! We currently offer free auto, life, and health insurance quotes.

Question 4

Can I make an appointment?

Accepted Answer

Yes! We offer in-person consultations and appointments at our office located at 1350 Holden Ave, Orlando, FL 32839. For the most up to date appointment availability please visit our Facebook page. Our office is open Monday through Friday from 9 - 6 P.M. and Saturdays from 10 - 3 P.M. We are closed on Sundays. For more information about appointments and availability, please contact us.

Question 5

What is an independent insurance agent?

Accepted Answer

An independent insurance agent is one of the three methods commonly used to buy insurance. Unlike using a captive agent, or buying directly from the internet, an independent insurance agent sells insurance policies provided by multiple insurance companies. An independent agent is not an employee of a specific insurance company, and instead eceives commissions for the policies they sell. Independent agents are able to provide clients with a wider variety of insurance options and offer a more personalized experience. Using an independent insurance agent is the best option for a personalized experience and to compare insurance rates all at once.

Question 6

Why should I choose an independent insurance agent?

Accepted Answer

Shopping for insurance can be overwhelming and stressful. It can be hard to know whether you’re making the right choices about your coverage and getting the best value for your money. Independent agents work with multiple insurance agencies to find you the best value. Essentially, your agent will do the shopping while you do the saving. When you request a quote through H&M Insurance and Tax Agency, you are saving yourself hours of time that you would’ve had to spend filling out paperwork for each insurance company you’d want to compare. Independent insurance agents are licensed experts. They will be able to explain complicated insurance terms so you can make a well-informed decision about your coverage and service. The agents at H&M Insurance and Tax Agency also function as your advocate and personal advisor. When you have a billing concern or want to change your coverage, your agent will be your advocate and work with the insurance company. As well as offering one-stop shopping for all of your insurance needs, H&M Insurance and Tax Agency are your consultants for life and will periodically review your coverage. We are here for you during all the changes in your life whether you are buying your first home, adding a teen driver, or getting married, H&M Insurance and Tax Agency will help you find the best new coverage.

Question 7

Does changing my insurance company affect my credit score?

Accepted Answer

There is a common misconception that changing your insurance carrier has an effect on your credit score. Changing your carrier has no effect on your credit score; you can change it as often as you like.

​

Question 8

When I’m applying for insurance, what kind of questions should I expect to answer?

Accepted Answer

The questions asked will depend on what type of policy you are applying for. However, you may be asked your name, age, gender, address, etc. You will also be asked a number of questions that will be used to determine how likely you are to make a claim. For example, a car insurance company will want to know about a person’s previous driving record, any recent accidents or tickets, and what type of car is going to be insured. In order to determine which program you can qualify for, insurance companies need this basic information about you. Some questions asked are designed to save you money. For example, if you ride the bus to work and only drive on the weekends, you are less likely to get into an accident and will save more money than someone who has a thirty-minute commute every day.

FAQ