Business Details
24 Years
experience
Your Trusted Insurance Partner in St Augustine, FL
Tim Huber Insurance & Financial Services has been serving St. Augustine, FL since 2002, providing comprehensive insurance solutions tailored to individual and business needs. Our team of experienced professionals brings decades of combined expertise in personal, commercial, and specialty insurance lines. We pride ourselves on building long-term relationships through personalized service, annual policy reviews, and a commitment to exceeding client expectations.With deep roots in the local community and partnerships with over 50 insurance carriers, we offer customized coverage options for auto, home, life, flood, and commercial insurance. Our focus remains on helping clients navigate risks while maintaining transparency, ethical practices, and 24/7 support during critical times.
Services
Auto Insurance
Home Insurance
Flood Insurance
Life Insurance
Commercial Insurance
Recreational Insurance
Classic Car Insurance
Customer Service
Policy Review
Claims Processing
Details
- Year established: 2002
Highlights and features
- Locally owned and operated since 2002
- Policies that meet and exceed expectations
- Annual policy review included with every account
- Serving Florida residents for over two decades
- Experienced agents with 50+ carrier partnerships
What people say
Best rates
Quick service
Excellent service
Prompt and attentive
Peace of mind
Services
Auto Insurance
We provide comprehensive auto insurance solutions for Florida drivers, including required minimum coverage and optional protections like collision, comprehensive, and uninsured motorist coverage. Our policies protect against property damage, personal injury, and unexpected accidents while ensuring compliance with state regulations. With personalized guidance from experienced agents, clients receive tailored coverage that balances protection and affordability.
Home Insurance
Our home insurance policies cover primary residences, mobile homes, and condos in St. Augustine, FL. Coverage includes structural protection, personal property replacement, and liability for injuries on premises. We also offer flood insurance for high-risk areas and additional riders for valuable upgrades. Annual policy reviews ensure coverage adapts to changing needs while maintaining protection against storms and natural disasters.
Commercial Insurance
We help Florida business owners evaluate and update commercial insurance policies to address hurricane risks, property damage, and operational interruptions. Our agents explain policy specifics, recommend supplemental coverage for floods or earthquakes, and ensure businesses maintain adequate protection during seasonal threats. Regular consultations help clients understand policy limitations and optimize coverage for their industry.
Life Insurance
We offer term and permanent life insurance policies to protect families financially in St. Augustine, FL. Our agents explain policy options, calculate appropriate coverage amounts, and help clients select tax-free benefits that support dependents' future needs. With access to multiple carriers, we provide competitive rates and personalized solutions for estate planning, funeral expenses, and long-term financial security.
Flood Insurance
We specialize in flood insurance for Florida properties in high-risk zones, covering water damage from hurricanes, storms, and rising waters. Policies protect home structures, contents, and provide alternative housing during repairs. Our agents help clients assess flood risk, determine appropriate coverage limits, and secure policies before storm seasons when new applications are restricted.
People
Tim Huber
Agency Principal/Agent
With over 30 years in insurance, Tim founded the agency in 2002 after 15 years at Allstate. He holds Property & Casualty, Life, and Health licenses, managing 50+ carrier relationships while maintaining hands-on client service.
Tammy Huber
Office Manager/Agent
Tammy brings 35+ years of insurance experience, starting at Allstate in processing and underwriting. She transitioned to the agency in 2002, combining operational expertise with client service as office manager and licensed agent.
Jennifer Weisenberger
Personal Lines Manager
Jennifer has served clients since 2011, specializing in personal insurance and flood policies. A St. Augustine native with Palm Coast expertise, she combines local knowledge with technical proficiency to deliver tailored coverage solutions.
Victoria Tate
Personal Account Manager
Victoria joined the team in 2022 with prior customer service and management experience. She focuses on personal lines insurance, applying a proactive approach to policy management and client communication.
Bella
Office Mascot
Bella provides stress relief through pet therapy, greeting clients with a wagging tail and friendly demeanor while maintaining her unofficial 'no license required' status in the office.
Questions
What types of insurance do you offer?
We provide auto, home, flood, life, commercial, recreational, and classic car insurance for Florida residents and businesses.
Why use an independent insurance agent?
Our agents access 50+ carriers, explain policy changes, and provide expert guidance during claims to ensure optimal coverage and support.
Do Florida residents need flood insurance?
Standard policies exclude flood damage. We recommend flood insurance for coastal properties and high-risk zones in St. Augustine.
How do I file an insurance claim?
Contact our office directly or use carrier-specific portals. We guide clients through documentation and coordinate with insurers for timely resolution.
What commercial insurance should Florida businesses review?
Businesses should assess hurricane, flood, and earthquake coverage annually. We help evaluate policy specifics and recommend supplemental riders.
How do you help with life insurance planning?
We explain term vs. permanent policies, calculate coverage needs, and select tax-free benefits to protect families financially.
