It seems that these days, whenever you go on social media, you find someone saying, “My insurance rates have gone up!” But, in our all-electronic, virtual world, being able to go to a physical location to speak with an insurance expert can make a big difference. 

In case you still didn’t know it, sitting in the Super Target-anchored Northwoods Plaza on Bruce B. Downs (BBD) Blvd., at County Line Rd., is a team of insurance experts. Just walk into the Wesley Chapel local office of GEICO Insurance, where actual live people can help you with a wide variety of insurance needs. 

Owner and long-time Wesley Chapel resident Jaime Bryant opened the office in December of 2020, but he began working for GEICO in 2004, after earning his Master of Business Administration (MBA) degree from the University of South Florida. He also received his Florida 2-20 Resident General Lines License (which allows him to provide property, casualty, surety, marine, health and miscellaneous insurance lines, including auto, motorcycle, boats/watercraft, homes, condos, RVs, renters and even pet insurance) to ensure that his local GEICO office can provide you with virtually any type of insurance you may need. 

Jaime says his GEICO local office can write policies for your “home, auto, commercial auto, motorcycle, condo, rental apartment, boat/watercraft, jewelry, flood mobile homes/RVs and umbrella policies.” 

An umbrella policy provides added protection beyond your existing limits and coverages of other policies. Jaime says, “Umbrella policies are good for someone who has a lot of assets.” 

When you call or walk into Jaime’s local GEICO office, an agent can take your information, which is then used to customize whatever policies you may want to your specific needs. 

As for GEICO’s rates, although there’s been a lot of discussion these days about rising insurance rates, especially here in Florida, Jaime says, “While everyone has seen some increases in their premiums, the market now appears to be stabilizing, with most (but not all) insurance premiums staying about the same.” 

Help For Home & Condo Owners 

If you need home or condominium insurance, dates may come into play. In most cases, a condo or townhome can be any age. But, for homes, mobile homes and RVs, GEICO can issue you a policy, as long as your home was built in 1995 or later. 

Homeowner policies will cover not just the home itself, but also attached structures such as garages, lanais and even fences, as well as any personal property inside the home. These policies, in most cases, also will include liability coverage, which will protect you in the event someone gets injured in your home, although additional liability insurance is sometimes required. Jaime says your GEICO agent can assist you with finding all of the requirements for your perfect policy. 

“For example,” he says, “Your homeowners insurance will usually have hurricane coverage. In the state of Florida, GEICO requires policies to have hurricane coverage, which will include damage caused by tropical storms. In order for this coverage to kick in, the storm causing the damage has to be a named storm. For non-named storms, the claim would be under ‘wind damage.’” 

With hurricane season now just a few days away from starting, Jaime says this is a good time to visit the GEICO local office to see what he and his staff can do for you. 

In addition, while Wesley Chapel is not in a major flood zone, Jaime and his crew can still provide you with flood insurance. 

He says, “Just because flood insurance isn’t required here, that doesn’t mean you shouldn’t have it. Flood insurance will cover water that is coming into your home from your property — for example, from rain that is not from a hurricane, a sewer, or an overflowing pond.” 

He adds, “People don’t think they will find themselves in these situations, but when they do, they wish they would have had the insurance. Plus, flood insurance is not very expensive to add to your homeowners policy.” 

The Buying Power Of ‘Bundling’ 

Jaime says that GEICO’s rates are very competitive and your live agent will always check for all possible discounts. As one of the largest insurance companies in the U.S., GEICO also offers discounts for “bundling” different policies together. 

For example, Jaime says that bundling your home and auto policies together will qualify you for discounts on both policies. “It doesn’t always end up costing you less than buying them separately,” he says, “but it usually does.” 

He adds, “But, when you bundle multiple GEICO policies together though, because GEICO (which is owned by Berkshire Hathaway) is such a large company, at least you don’t have to worry about us leaving the state (as so many other insurance companies have over the past few years).” He also notes that auto and renters insurance also are often bundled, “because the renters insurance will then either be free or cost pennies on the dollar, which is probably the biggest savings you get by bundling.” 

When you own a boat, Jaime says that whether you bundle it with your homeowners policy or not, “Boat/watercraft insurance is one of our most competitively priced products on the market.” Other GEICO policies with competitive rates include for recreation vehicles (RVs), travel trailers and mobile/manufactured homes. 

For the best possible information, Jaime says it’s always a good idea to, “Stop by and speak to one of our agents, rather than calling the GEICO 1-800 number. Our people can help you find the policy (or policies) you need at the best possible rates.” 

In addition, Jaime says that if you or your family members or friends who need insurance would prefer to speak to someone in Spanish, he has bilingual agents who can assist them with that, too. 

Giving Back… 

Jaime gives back to our community and to some organizations that he says are near and dear to his heart. The office will be sponsoring a golf tournament for the Special Operations Warrior Foundation. This nonprofit organization has made a promise to the children of fallen U.S. Special Operations personnel and the children of all service members awarded the Medal of Honor by providing full education and additional opportunities for them. 

Jaime, who lives with his wife Shannon and their two-year-old son Elliot in Wesley Chapel, says he also will sponsor the Air Force Reserve Officers’ Training Corps (ROTC) at Wharton High next year. He also sponsors the sports tickets for Wiregrass Ranch High and has provided folders for Double Branch, New River and Watergrass elementaries in Wesley Chapel. 

The GEICO Wesley Chapel local office is located at 1227 BBD Blvd. The office is open Mon.-Fri., 9 a.m.- 6:30 p.m., and 10 a.m.-5 p.m. on Sat. For more information, call (813) 953- 4200 or feel free to stop by the office in person. You also can visit GEICO.com/insurance-agents/florida/tampa/ jaime-bryant/