About Us
Protecting Futures
Protecting Futures
Protecting Futures
We have years of insurance experience helping clients prepare for the unknown. Ask us about Home, Auto, Fire, Flood, Theft, and many more! We can access any insurance product so you can get the right one for you.
Assessing Need
Protecting Futures
Protecting Futures
We're also celebrating that we can save you money on your insurance while providing white glove type service.
We've been creating happy customers for more than 25 years.
Business Insurance
Protecting Futures
Business Insurance
Everyone has different insurance needs. Call us today for a personalized business or individual assessment and find out how we can help protect your hard-won assets.
Our Team
Diane Ferber
Diane, a native of Jacksonville, Florida, now enjoys life in Fernandina Beach. With 28 years of insurance experience, she founded A & B Insurance in 2000 and continues to dedicate herself to making it an excellent workplace for both her team and her clients.
Diane has a passion for boating and is committed to learning everything related to insurance. She embraces the challenges that come with being a business owner and a leader, while also being a student of her business coach. Her authenticity shines through as she strives to build lifelong relationships with her clients.
As a proud mother of two amazing daughters, Diane loves the beach lifestyle and finds joy in the delightful sounds of laughter that surround her.
Sandra Coar
Sandra has been a valued team member at A&B Insurance Agency for 16 years. As a specialist in both the Commercial and Personal Lines departments, she is renowned for her exceptional customer service and her ability to build strong relationships with clients.
In her free time, Sandra enjoys traveling with friends, shopping, spending quality time with her family, and listening to great music. Additionally, her extensive knowledge of sports is impressive. She holds a Bachelor’s Degree from the University of Phoenix, as well as a Master’s Degree in Business Administration.
Sandra is particularly recognized for her excellent interpersonal skills, consistently adding her unique touch when negotiating contracts with clients. As a result, she receives the highest number of 5-star reviews from our clients.
Becky ryals
Becky is the ‘anchor’ of the agency by supporting the team as well as providing white glove customer service.
Becky has been licensed in insurance for 9 years and continues her journey of learning with a positive and enthusiastic attitude.
Becky is a true county girl who loves outdoor activities such as boating and bonfires. She loves to laugh and has a witty sense of humor – always keeping a smile on her face. She does a phenomenal job of creating happy customers.
cARLOS MIRANDA
Carlos has been proudly serving clients at A & B Insurance since June 2022. As a licensed insurance agent, he’s passionate about helping individuals, families, and business owners protect what matters most.
Whether you need coverage for your car, home, business, boat, or motorcycle, Carlos is here to make the process easy and stress-free. When he’s not working with clients, you’ll find him gaming, spending time with his family, or playing with his dogs.
Carlos brings energy, knowledge, and genuine care to every conversation — and he’s ready to help you, too! Need a trusted advisor to guide you through your insurance options?
Reach out to Carlos today and experience the difference!
CHRISTINA CAPSTRAW
Christina has been licensed in insurance since 2015 and brings a calm, steady presence to the A & B Insurance team. She’s a natural teacher with a talent for building strong, positive relationships — whether she’s working with clients, teammates, or carrier partners.
Christina is known for her sincere support during both smooth sailing and stormy weather, always listening with patience and responding with care. Her sense of humor is light, kind, and uplifting, and her steady optimism keeps the team moving forward.
If you need someone who will guide you through your insurance with clarity and compassion, Christina’s the one you want in your corner. Have questions or need help navigating your coverage?
Christina’s here for you — just reach out!
DEANNA LOWMAN
Deanna is a licensed insurance agent who brings heart, patience, and sincerity to every interaction. She’s known for building personal connections and creating a positive, welcoming experience for both clients and teammates. Deanna has a gift for truly listening — and not just hearing, but understanding — which helps her navigate client needs and team dynamics with ease.
She’s a steady, reliable presence in the office and a natural at helping others find common ground. Whether you’re exploring coverage or facing a challenge, Deanna is the kind of person who brings calm, clarity, and a sincere desire to help. Outside of work, she enjoys learning and spending quality time with her kids.
Need someone who listens, cares, and finds solutions? Deanna’s just a call away!
tHE A & B TEAM
Call us, text, email, or stop by the office and meet us.
We look forward to making your insurance easy.