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Welcome to Insurance Concepts of Florida Inc.

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Protection from the Best in the Business

Whether you need insurance for your business or personal life and assets, we have the experience to help you find the policy that’s right for you. We are committed to providing you with the highest level of protection at affordable prices. Check out our range of insurance packages, including Family Insurance Bundle, Couples Insurance Plan and Individual Insurance Package.

Buying a House

Personal Insurance Bundles

We offer different packages tailored to meet your personal, ever-changing needs. Tell us your Family Insurance Bundle requirements and our experienced agents will create or adjust a plan accordingly. Our team is happy to answer your questions and make personalised recommendations based on your input. We are here to represent you and make sure you receive the best possible insurance package suited to your needs.

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Reasons to Buy Renters Insurance

  • Renters insurance can help you repair or replace property after loss due to many types of damage or theft.

  • It can also provide coverage for an accident at your residence.

  • Policies usually have very affordable annual premiums.

  • Note that your landlord's property insurance doesn't cover your belongings.

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Business Insurance Packages

Insurance Concepts of Florida Inc. has worked with  a wide range of insurance packages over the years. We always tailor our services according to our clients’ growing needs with the help of our carriers. Contact us to schedule a meeting with our experienced agents and learn more about the carriers we do business with.

Family at a Beach

Life Insurance Plans

To avoid unnecessary worry about what the future holds, we ensure that you are covered. With established relationships with numerous carriers, let us put together a plan that offers the highest level of protection for you. Contact us to make an appointment with one of our experienced consultants and receive a free estimate. We’re here to supply you with the insurance you really need.

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Insurance Providers

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*Homeowners Choice, K&K, Summit & US Assure are not currently accepting online payments, contact us!

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About Us

Giving You Peace of Mind

Insurance Concepts of Florida Inc. is made up of a family of well-versed insurance agents who are highly trained in providing you with exceptional coverage and services.

Lisa Oshman started in the insurance business in 1996 following the footsteps of her father selling life and health insurance.  In 1999 she founded Insurance Concepts of Florida, Inc. which specializes in all lines of insurance, both personal and business.  Lisa is from Jacksonville Beach and graduated from Fletcher High School.  She has been married for 26 years and has a daughter who is married with one baby girl, Sophie.  Lisa enjoys spending time with her family and friends, listening to music and playing with Sophie! 

Lisa strongly believes in providing the BEST CUSTOMER SERVICE!  She has survived mostly by referrals and takes great pride in this.  When it comes to insurance you will know that you are getting the best possible price, the coverage that you need and that she will be there to assist every step of the way.

​We are a full-service agency with years of experience managing a wide range of risk and exposures. We believe that every person deserves to receive exceptional protection from one of the best insurance companies in the business. Keep your loved ones safe and protect your assets. Get in touch with us today.

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An Independent Agency Advantage

Protect your assets with individually tailored insurance coverage from our agency. We represent a multitude of carefully selected, financially strong & only reputable insurance carriers.

We do not work for an insurance company; we work for you.

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How much life insurance do I need?

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Get In Touch

Contact Insurance Concepts of Florida Inc. today! We want to take care of you and have the expertise to do so. Let us know your specific needs & we’ll compile the best insurance package suited to you.



(904) 320-0026 Text (904) 440-0467

(888) 234-8858

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-Flood Information & Resources
-Claim Contacts
-Home Inventory Checklist
-Early Refills by Governor's Order

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How much do you know about flood insurance? Take this brief quiz to find out:
1. True or false: You do not live in a flood zone, so you do not need insurance.
2. True or false: Your homeowners or business insurance covers you for flood.
3. True or false: Flood insurance is affordable.
The answers to the statements above may surprise you:
1. False. Consider this: between 25 and 30 percent of all flood insurance claims come from low to
moderate risk areas. You do not need to live near the seashore, lakes or rivers to be flooded. Floods
can be caused by storms, hurricanes, melting snow, poor drainage systems or dams. Floods can
occur any place, any time, in any state.
2. False. This is a common misconception. Your homeowners or business insurance policy does not
cover flood damage. This means if your home or business is flooded, you must cover the cost of
damage yourself.
Moreover, federal disaster assistance is only available if the President of the United States declares
a major disaster, which occurs in only 10 percent of natural disasters that involve flooding. The most
common form of disaster assistance is a loan that must be repaid with interest.
The only insurance available for flood is a policy through the National Flood Insurance Program (NFIP),
which is administered by the Federal Emergency Management Agency (FEMA).
3. True. NFIP offers a variety of coverage amounts and you can get a lot of coverage for minimal
cost. For example, homeowners can insure their residence and belongings for as little as $119 per
year and residential renters can insure their belongings for $39 a year. Business owners can purchase
flood coverage for buildings and contents for as little as $550 annually.
Please note that while flood insurance is written through the federal government, we can help you service a flood claim.
You should be aware that there is usually a 30-day waiting period before flood insurance goes into
effect. Also, flood insurance cannot be written when your region is under a tropical/hurricane storm
watch or warning. Consult your independent insurance agent today about whether you should add
this important coverage to your home or business policy.

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Lisa Oshman



Emily Elrod

Vice President


Jessica Hinshaw

Agency Manager

Home: Our Agents
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