Joining us from Coffey Insurance Agency? Welcome — your coverage continues exactly as it was. ·
Independent  ·  Bradenton, FL

A legacy of trust.A future of choice.


Florida insurance is complicated. We help Manatee & Sarasota County families and businesses, and the surrounding areas, with home, auto, flood, umbrella, and small commercial coverage — and we help you understand it so you can make smart decisions.

Brittany Scroggins-Dickerson, Founder & Principal Agent
Brittany Scroggins-Dickerson · Founder
Personal & Commercial Insurance Est. 2026 · 43+ years of family service
Our Three Pillars

Built on discipline.
Defined by trust.


01Underwriting

Every risk reviewed before quote.


No speculative submissions. No volume-driven shortcuts. The right coverage placed with the right carrier — every time.

02Advisory

We educate before we sell.


Clients understand what they're buying, why it matters, and how it protects them. Long-term relationships over transactional sales.

03Local

Your neighbor. With carrier access.


We're not a 1-800 number. We're Manatee & Sarasota County expert with the appointments of a much larger operation.

43+
Years of Scroggins family service across Manatee & Sarasota Counties.
18+
Years of full policy-lifecycle expertise across P&C and L&H.
100%
Independent. Coverage placed on fit, not quota.
0
Purchased leads.
Every client cultivated.
Who We Serve

The people we're
built to serve.


SIG's client base is relationship-driven and quality-focused. We do not pursue high-volume, unvetted leads — clients arrive through professional referrals and the Scroggins family's long-standing community network.

PrimaryPersonal lines

The personal-lines household.

Home, auto, flood, and umbrella — coordinated under one advisor. We look at the whole household before we touch a single policy, so coverage and savings work together.

Home + auto·Flood·Umbrella·Multi-policy
PrimaryHigh value

The coastal homeowner.

Established homeowner facing complex exposures — wind, flood, valuation methodology — usually with auto and umbrella bundled. We coordinate every policy in one review.

Flood zone·Wind exposure·Multi-policy·Umbrella
StrategicB2B relationship

The referral partner.

Mortgage brokers, realtors, estate attorneys. They evaluate SIG on reliability, professionalism, and how we serve their clients.

Mortgage·Real estate·Legal·Referral network
CommercialBusiness lines

The small business owner.

Local contractors, professional offices, and businesses in SIG's network — needs a businessowners policy (BOP), general liability, commercial auto, and umbrella.

Artisan contractor·Professional office·BOP·Commercial auto
Brittany Scroggins-Dickerson, Founder & Principal Agent
Founder

Brittany
Scroggins-Dickerson


"Florida insurance is unusual — and that's exactly why the right advisor matters. I built SIG on the same standard my family has held across Manatee & Sarasota Counties for 43 years: know the property, know the carrier, know the client. No shortcuts."

TitleFounder & Principal Agent
LicensedFL 2-20 P&C · FL 2-15 L&H
Experience18+ years
Based inBradenton, Florida
OFFICE LINES·941-795-1501·941-209-5136·hello@scrogginsinsurancegroup.com
Coverage Questions

Florida-specific.
Plainly explained.


Questions we answer for every client before binding. If yours isn't here, ask. Advisory clarity is the work we strive to provide.

A 4-point inspection covers the roof, electrical, plumbing, and HVAC systems. Florida carriers use it to confirm the home is insurable before binding. We schedule it for you and review the findings together so there are no surprises at renewal.
New construction in Manatee & Sarasota Counties typically qualifies for credits on roof shape, roof-to-wall connection, secondary water resistance, and opening protection. On a typical $750K coastal home, those credits can reduce annual wind premium by 20–35%. We document each credit during binding so it survives every renewal.
Bundling home and auto with the same carrier usually saves 10–25% on both, and it makes claims simpler if a single event touches both. A personal umbrella ($1M is the common starting point) sits over your home and auto liability limits — for most Florida households with teen drivers, a pool, or coastal exposure, the cost is small relative to what it protects. We map all three together so the limits stack the way they’re meant to.
Flood is excluded from every standard homeowner policy in Florida — including Zone X. Whether you need NFIP or a private flood policy depends on lender requirements, elevation, and coastal proximity. We map this for each client property individually.
Replacement Cost (RCV) pays to rebuild or replace without deducting for age or wear; Actual Cash Value (ACV) subtracts depreciation. After Florida’s 2022–23 reforms many policies quietly shifted to ACV on roofs older than 10 years. We flag this in writing on every quote.
Because the cheapest premium is almost never the right coverage. We win on accuracy — placing the policy that pays what you expect when you need it. Price is part of the conversation, not the start of it.
Schedule a Review

Honest, transparent guidance.Dependable service.


A 30-minute review with our team. We'll walk your home, auto, flood, umbrella, and boat coverage together, flag gaps in writing, and tell you whether your current policies are the right fit. Absolutely no pressure to switch.

Book a 30-min Review →
941-795-1501·941-209-5136