June Marcia Williams

Your Insurance Agent in Howey-in-the-Hills, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Howey-in-the-Hills, FL...

National Producer No.

17209549

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Accident & Injury Insurance in Howey-in-the-Hills, FL

On-the-job and off-the-job coverage. Disability income rider available.

Accident and injury insurance for Howey-in-the-Hills, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — lump-sum payouts for covered accidents and injuries, no pressure, same-day quotes.

✅ Verified NJ · PA · FL · MD · VA Licensed Agent

❤️

3K+ Satisfied Clients

⭐

5-Star Service Rating

🛡️ NPN Verified

🏛️ 5-State Licensed

🏆 10+ Yrs Exp.

Right here · Howey-in-the-Hills, FL

Howey-in-the-Hills, FL — Your Local Producer

Hello to my neighbors in Howey-in-the-Hills! In a town known for its unique charm and scenic hills, it's important to have a financial safety net that fits our distinctive Lake County lifestyle. I'm June Marcia Williams, a licensed insurance producer right here in Florida, and I'm dedicated to helping local families navigate their options. Whether you're considering Term Life, Whole Life, Final Expense, or other personal coverage, my goal is to provide clear, straightforward guidance. Let's work together to find a plan that helps protect your family's future. (NPN: 17209549, Florida License No: W840529)

The Howey Mansion
Marianne Beck Memorial Library
Howey-in-the-Hills Town Hall

NPN17209549FL LicenseW840529

Licensed Accident & Injury Producers in Howey-in-the-Hills

30 on public record · Florida DFS · Fla. Stat. §119.01

Alizabeth Bukunus

Life Including Variable Annuity & Health

NPN 19770628 Licensed 2021

Angel Velez Sanchez

Life Including Variable Annuity & Health

NPN 11530792 Licensed 2019

Annette Keys

Life & Health (2-15) and General Lines / P&C (2-20)

NPN 2165294 Licensed 2021

Bruce I Formhals

Life Including Variable Annuity & Health

NPN 1704673 Licensed 2017

Chanele Barbara Rivera

Life Including Variable Annuity & Health

NPN 20709685 Licensed 2023

Cynthia Ann Smith

Life Including Variable Annuity & Health

NPN 1023538 Licensed 2012

David Michael Jiles

Life Including Variable Annuity & Health

NPN 21778183 Licensed 2025

Deisi Hernandez

Life Including Variable Annuity & Health

NPN 585217 Licensed 1994

Dennis Michael Lyons

Life Including Variable Annuity & Health

NPN 18604611 Licensed 2018

Estela Alejandra Ramirez Duenas

Life Including Variable Annuity & Health

NPN 22092443 Licensed 2026

Eugene Franklin Harper

Life Including Variable Annuity & Health

NPN 21080044 Licensed 2024

Hernan Jose Zabala

Life Including Variable Annuity & Health

NPN 10678618 Licensed 2010

Icyline Smith Kerr

Life Including Variable Annuity & Health

NPN 2901268 Licensed 2021

James Houston Hill

Life Including Variable Annuity & Health

NPN 6908570 Licensed 2008

James Howard Peterson

Life Including Variable Annuity & Health

NPN 20152997 Licensed 2021

Jatavia Nakiah Smith

Life Including Variable Annuity & Health

NPN 21106055 Licensed 2024

Jayce Thompson

Life Including Variable Annuity & Health

NPN 21178968 Licensed 2024

Jose Manuel Tineo

Life Including Variable Annuity & Health

NPN 22113311 Licensed 2026

Joseph Raymond Pereira

Life Including Variable Annuity & Health

NPN 21303520 Licensed 2024

Katan E Laya Iglesias

Life Including Variable Annuity & Health

NPN 20489948 Licensed 2022

Katerine Aguilar Gomez

Life Including Variable Annuity & Health

NPN 21625195 Licensed 2025

Kyle Van Arsdale

Life & Health (2-15) and General Lines / P&C (2-20)

NPN 19822874 Licensed 2021

Limor R Moake

Life & Health (2-15) and General Lines / P&C (2-20)

NPN 17394184 Licensed 2023

Precious M Rodriguez

Life Including Variable Annuity & Health

NPN 19948077 Licensed 2021

View all 30 licensed accident & injury producers in Howey-in-the-Hills →

Verify any producer at FL DFS Licensee Search ↗. This directory lists licensed producers on public record — it does not rank, rate, or endorse.

Accident & Injury Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Accident & Injury Insurance across the Howey-in-the-Hills regional market. Rates are localized using regional health baselines.

Official Howey-in-the-Hills Resources

County Lake County

Population ~2,038

Lack of insurance (18–64) 11.4%

FIPS code 1232775

Healthcare-access indicator. Localized rates correlate with simplified-issue and final-expense product fit. Source: CDC PLACES (BRFSS).

Let June shop the market for your localized Howey-in-the-Hills rates. Start your quote request below.

FL OIR .GOV Lake County Gov Portal .GOV

4.8 5 reviews

Photos by ᎶⲅⲉᏭ , Rnull 22 via Google Maps

View on Google Maps

Howey In the Hills Town Hall

Open now · Mon 7:00 AM – 5:30 PM

(352) 324-2290

howey.org

101 N Palm Ave, Howey-In-The-Hills, FL 34737, USA

Recent Reviews

Patel Taufik ★★★★★

Ivelisse Arce Miranda ★★★★★

About Your Agent

Why Choose June?

A-Rated Security

Backed exclusively by top-tier, vertically integrated carrier capacity.

Rapid Underwriting

Algorithmic rate classifications drop processing times down to seconds.

Direct Pricing

Zero intermediary markup structures ensuring wholesale underwriting parity.

Digital Portals

Instant localized digital enrollment without offline processing roadblocks.

Read the full Accident & Injury Guide →

Select your coverage below to see your price in seconds.

Check Your Coverage Options

Financial backup for life's unexpected bumps — no obligation — fast, personalized options

Select your coverage level

Level 1
$300/day hospital · $50K AD&D

Level 2
$500/day hospital · $150K AD&D

Who needs coverage?

Individual

+ Spouse

+ Children

Family

What type of accident?

Hospital

Fracture

Dislocation

Emergency

AD&D

Other

Select an accident type to see benefit amounts.

Your Name

Phone Number

Email Address

⚡ Call me ASAP — I want to speak with an agent as soon as possible

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✅

Consultation Request Sent!

June will call you within 30 minutes during business hours.

Or call now: (908) 339-7723

Want live updates on your quote? Tap to let June text your phone directly — rates, approvals, appointments.

Prefer to talk? Ask Lia — June's AI assistant: (908) 648-8689

Compare Plans

Accident Insurance Options

Core Benefit

Hospital & Emergency

Daily cash when admitted

Hospital: $300-$500/day
ICU: $600-$1,000/day
ER services covered
Ambulance (ground + air)
Physician office visits

Get Quote

Specific Injuries

Scheduled benefit per injury

Fractures: up to $4,800
Dislocations: up to $4,000
Burns: up to $10,000
Lacerations, concussions
Pain management + dental

Get Quote

AD&D + Disability

Accidental death & dismemberment

AD&D: $50K-$150K
Common carrier: up to $300K
Dismemberment schedule
Paralysis coverage
Optional disability income

Get Quote

Important — what this coverage does not pay

This is limited benefit supplemental coverage. It is not major medical insurance, not comprehensive health coverage, and not a substitute for either. It does not meet minimum essential coverage requirements.

Benefits are paid only when the policy’s specific conditions are met. This policy contains exclusions, limitations, and reductions of benefits, and terms under which the policy may be continued in force or discontinued. Some benefits do not begin until a waiting period has passed. Losses caused by a health condition you had before your coverage start date may not be covered. Coverage of this type is guaranteed renewable; premium rates may change, but only for an entire class of policies, never for you individually.

For costs and complete details of the coverage, including the full list of exclusions and limitations, review the policy documents or contact us before applying.

📖 Accident & Injury Knowledge

Everything You Need to Know About Accident Insurance

🩹

What Is Accident Insurance?

Accident insurance pays cash benefits directly to you when you're injured in an accident — regardless of other insurance. It covers hospital stays, fractures, dislocations, ER visits, ambulance, physical therapy, and more. The money goes to you, not the hospital. Use it for copays, deductibles, rent, groceries — whatever you need while recovering.

🏨

Hospital & ICU Benefits

If an accident puts you in the hospital, you receive $300-$500 per day for inpatient stays and $600-$1,000 per day for ICU — paid for up to 15 days per ICU confinement. These benefits are paid in addition to what health insurance covers. Even a 3-day hospital stay generates $900-$1,500 in cash benefits.

🦴

The Injury Benefit Schedule

Every covered injury has a specific dollar amount. Hip fracture: $2,400-$4,800. Knee dislocation: $1,500-$3,000. Burns over 36 sq inches: $5,000-$10,000. The schedule covers fractures (16 types), dislocations (9 types), lacerations, concussions, coma, and even emergency dental. No guesswork — you know exactly what you'll receive.

⚠️

AD&D: Accidental Death & Dismemberment

Built into every policy: $50,000-$150,000 for accidental death (adult), with enhanced benefits for common carrier accidents (planes, trains) up to double. Dismemberment benefits cover loss of limbs, sight, hearing, and speech. Children covered at 25% of adult benefit. This is real financial protection beyond just injury coverage.

💼

Optional Disability Income

Add a disability income rider for $500-$2,000/month if a covered accident prevents you from working. Off-the-job accidents and 24-hour short-term disability available for up to 12 months. Requires 27.5+ hours/week employment. This turns accident insurance into true income protection — not just medical gap coverage.

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Florida Consumer Protections

Accident insurance policies through our carriers are guaranteed renewable for life with level premiums. Florida requires a 14-day free-look period (Fla. Stat. § 627.4554). There's a 12-month pre-existing condition lookback for sickness-related riders only — the base accident plan has no health questions for covered accidents. Issue ages 18–69 for new policies.

🎓 June Marcia Williams — FL License #W840529, NPN 17209549. 12 years experience. Licensed in NJ, PA, FL, MD, VA. Appointed with A-rated supplemental health carriers.

Life Insurance in Howey-in-the-Hills

More Insurance Options in Howey-in-the-Hills, FL

🛡️ Term Life 💎 Whole Life 📈 Universal / IUL 🏥 Critical Illness 🏨 Hospital Indemnity 🏢 Business Life 🔑 Special Situations 🕊️ Final Expense

Insurance Resources

Know Your Rights in Florida

Florida Office of Insurance Regulation

File complaints, verify agent licenses, and understand your rights under Florida insurance law.

Visit floir.gov →.GOV

FL Life Insurance Buyer's Guide

Free consumer guide from FL OIR explaining policy types, replacement rules, and your free-look period.

Visit floir.gov →.GOV

Verify an Agent's NPN License

Use NIPR's lookup tool to verify any agent's National Producer Number and active state licenses.

Visit nipr.com →.COM

Frequently Asked Questions

Accident & Injury Insurance FAQ

💰

How much does accident insurance pay?

Benefits are paid per incident: hospital stays ($300-$500/day), ICU ($600-$1,000/day), fractures (up to $4,800), plus ER, ambulance, and therapy. AD&D up to $150K.

🏥

Does this work with my health insurance?

Yes. Accident insurance pays you directly — on top of whatever your health insurance covers. Use the cash for copays, deductibles, lost wages, or anything else.

👨‍👩‍👧

Can I cover my whole family?

Yes. Coverage options include Individual, Individual + Spouse, Individual + Children, and Family. All covered members receive the same benefit amounts for covered accidents.

🚗

Are car accidents covered?

Yes. Motor vehicle accidents are covered, including enhanced AD&D benefits for motorized vehicle or pedestrian death. All accidental injuries from car, motorcycle, and pedestrian accidents qualify.

📋

Is a medical exam required?

No medical exam for the base accident plan. The optional sickness disability rider may require health questions. Issue ages 18-69, guaranteed renewable for life.

Nearby Accident & Injury Coverage

Read the Full Accident & Injury Consumer Guide →

Written by June Marcia Williams · NPN 17209549 · Independent guide for Florida consumers

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No automated phone trees. No chatbots. Schedule a time that works for you and a licensed agent with 12 years of experience calls you directly.

Licensed in 5 states NPN verified No obligation

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Accident & Injury Insurance in Howey-in-the-Hills, FL

Howey-in-the-Hills, FL — Your Local Producer

Licensed Accident & Injury Producers in Howey-in-the-Hills

⚡ Accident & Injury Insurance Underwriting Scope

🏛️ Official Howey-in-the-Hills Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

Check Your Coverage Options

Consultation Request Sent!

Accident Insurance Options

Hospital & Emergency

Specific Injuries

AD&D + Disability

Everything You Need to Know About Accident Insurance

What Is Accident Insurance?

Hospital & ICU Benefits

The Injury Benefit Schedule

AD&D: Accidental Death & Dismemberment

Optional Disability Income

Florida Consumer Protections

More Insurance Options in Howey-in-the-Hills, FL

Know Your Rights in Florida

Florida Office of Insurance Regulation

FL Life Insurance Buyer's Guide

Verify an Agent's NPN License

Accident & Injury Insurance FAQ

How much does accident insurance pay?

Does this work with my health insurance?

Can I cover my whole family?

Are car accidents covered?

Is a medical exam required?

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Talk to a real person. Today.

Accident & Injury Insurance Underwriting Scope

Official Howey-in-the-Hills Resources