Personal Insurance
in Florida for Every Stage of Life

Clear Guidance
for Protecting Your Home, Car, and Family

Everyone wants to know their home, vehicles, and loved ones are truly covered—especially in Florida, where life can change quickly. But insurance often feels confusing, with too many choices and not enough real answers. Proper Insurance Advisors makes it simple by reviewing your needs, offering honest advice, and finding the right personal insurance coverage from trusted carriers. From Midtown bungalows to student rentals near FSU, our Tallahassee-based team has you covered with local expertise and one-on-one support.

Trusted by
Individuals and Families Across Florida

Courtney Ashburn was very helpful in giving enough information to make a knowledgeable decision regarding coverage and pricing. I was very pleased with his assistance in this matter.
Courtney's availability, knowledge of the insurance industry, and attention to detail are why I send my buyers to him. Look forward to continuing to do business together in the future. Thank you.
My husband and I have received excellent service from Amy with Proper Insurance Advisors. She has been patient and thorough in searching for the best rates and coverage to meet our needs and is responsive when we have left messages. I highly recommend the company/agent.
Excellent experience and top notch communications throughout the process. Courtney and his team were able to find the insurance I needed when others couldn't. He walked me through the process from start to finish and was always available for a call or questions. 100% recommend Proper Insurance!
Courtney and Amy are ROCKSTARS and do insurance the Proper way! Highly recommend! Saved me $100 a month on my auto policy!
Excellent professional service.
The team at Proper Insurance Advisors has been incredible to work with. They took the time to explain all of my options, answered every question I had, and made the entire process smooth and stress-free. Their professionalism, responsiveness, and attention to detail really set them apart. Highly recommend them to anyone looking for reliable and knowledgeable insurance guidance!
Amazing company to work with! They will help you with all of your insurance needs with care and quality. Customer service is clearly a top priority for Proper insurance advisors, and it shows in every interaction you have with them.
I had occasion to speak to Courtney Ashburn on the recommendation of a dear friend, and glad I did. He wouldn't write a policy to write a policy. He spent a lot of time with me to see that we received equivalent vehicle coverage at a considerable savings. And, when we needed to make a change to the policy to add a vehicle coming from out of state and delete a vehicle that was going out of state, he was right on it so everything went very smoothly. Homeowners is up next and that is going to Courtney for sure. Thank you Courtney!
Very impressed with Courtney Ashburn's professionalism and knowledge to help me secure an Insurance Policy for My Rental Property with Better Coverage and a Lower Premium. I Highly Recommend Proper Insurance Advisors!
Courtney Ashburn did a fantastic job. Listened to understand my needs, discussed my options, and developed a package that saved me money.
Awesome team to work with! Highly recommend!
Great team to work with and very professional!
Courtney was very informative and responsive! Every question I had he quickly responded with an answer! The whole team has been incredibly helpful in helping meet our needs!
Courtney has been extremely attentive, professional, and helpful in walking us through getting coverage on two homes!
Wow. Courtney is amazing. He went over our insurance policy (home and car) explaining deductibles, what we needed and how claims worked. He offers a personal friendly knowledgeable touch. Do not wait call him he actually answers the phone.

Explore All Your
Personal Insurance Options

Auto Insurance

Stay legal and protected on Florida roads with coverage that fits your car, your budget, and your driving habits. We compare rates from top carriers—even if you have a young driver or special situation.

Homeowners Insurance

Whether you own a classic home in Midtown or a new build in Killearn Estates, protect against Florida risks like hurricanes, wind, and flooding with a policy built for your needs.

Condo Insurance

Get the right balance of personal property and liability coverage for your condo, plus guidance on what your association covers (and what it doesn’t).

Renters Insurance

Affordable coverage for FSU students, families, and anyone renting in Florida—protect your belongings and liability, even when life throws a curveball.

Landlord Insurance

Protect your investment properties in Tallahassee and beyond with coverage for rental dwellings, liability, and lost rent—no matter the property type.

Umbrella Insurance

Add a layer of extra liability protection for your assets and future, giving you peace of mind when life gets unpredictable.

Specialty Vehicle Insurance

Tailored coverage for RVs, travel trailers, ATVs, four-wheelers, golf carts, and more. Whether you’re hitting the road for a weekend or living on the go full-time, we've got you covered.

What to Expect
When You Work With Us

Insurance should be straightforward and reassuring. Our advisors walk you through every option—explaining what’s covered, what isn’t, and how to save with home, auto, and umbrella for one simple, discounted plan.

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Quick, no-pressure policy reviews for every client

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Transparent rate comparisons from multiple A-rated carriers

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Custom recommendations based on your property, lifestyle, and budget

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Easy online forms and digital policy management

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Local, friendly support whenever you need answers

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Common Questions
About Personal Insurance

  • Can I combine my home and auto insurance for a discount?

    Yes! Most clients save up to 20% by combining home, auto, and umbrella policies through Proper Insurance Advisors, all coordinated by your personal agent.

  • What if my insurance company leaves Florida or raises rates?

    As an independent agency, we work with many carriers—so if one leaves or changes, we find you another strong option without hassle or coverage gaps.

  • Do I need renters insurance if I’m a student or only rent for a year?

    Absolutely. Renters insurance is low-cost, covers your belongings, and protects you from liability, whether you’re at FSU or anywhere in North Florida.

  • How do I know if I have enough coverage?

    Our team offers free, honest policy reviews—explaining your current coverage, identifying any gaps, and making recommendations based on your life and property.

  • Is umbrella insurance right for me?

    If you want added liability protection for your savings, home or auto, umbrella insurance provides peace of mind and is more affordable than most expect.

Not Sure What Coverage You Need?
Let’s Make It Simple.

Finding the right protection shouldn’t be a guessing game. Get a free personal insurance review with our Tallahassee team—we’ll answer your questions and make sure you’re covered for what matters most.