Varsity Insurance, Inc. was founded over ten years ago to offer the residents of Mandarin and Northwest St. Johns County more choice in selecting auto, homeowner, business and life insurance products. 

Prior to the year 2000, the Florida insurance consumer had to choose from only two insurance distributions systems.  One concept was the “captive” one company agency like State Farm, Allstate and Nationwide.  The other system was the Independent Agency that offered their customers a choice of the many companies and products.  Competition between the two distributions systems was fierce. However, many more agents elected to sell for the captive companies because the cost of operation was less expensive and the companies spent millions of dollars on advertising.  They soon wrote the majority of the auto and homeowner business in Florida.  

Florida hurricanes changed the insurance environment forever.  The captive one company agents wrote too much business.  State Farm, Allstate and Nationwide stopped writing property insurance all together.  As the Florida market retreated, imitation became the sincerest form of flattery. 

The last four years have seen many captive agents switch sides to become Independent Agents by payment of a franchise fee.  Now, with enough money they can buy into a system that they sold against for the last sixty years! 

Do not be fooled by these turncoats. 

Independency has always been costly, but success is realized by the true Independent Agents that invested years of self-sacrifice to win the hearts of their clients through superior service and choice.  

Don’t be misled. 

Now more than ever, the Florida Insurance buyer needs the solid advice of a seasoned insurance professional to help them make a good choice of Company, Coverage and Rate.   

We at Varsity Insurance, Inc. thank our many customers for trusting us to help protect their future financial security. 

Please consider us for all your Auto, Home, Motorcycle, Boat, RV, Business and Life Insurance. 

Call us at (904) 268-6365 and let us earn your business. 

There is a difference!  Try us and find out.   

Sincerely,
Bob Ebersberger
President