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Quote Center
Let’s protect what matters to you.
Choose a coverage to start. Most quotes take a few minutes, and our team is here if you want help.
Closing soon or unusual property? Call 305-933-1626 and we’ll point you the right way.
- Independent since 2008Many carriers, one team
- Licensed Florida agencyLicense L054522
- Real team supportEnglish and Spanish
- A+ BBB ratingRating, not accreditation
Property
Your home and property
Home & Condo Insurance
Homeowners, condos, rentals and seasonal properties.
Start home quoteGood to know
- Florida policies carry a separate hurricane deductible, usually 2%, 5% or 10% of the dwelling limit, not a flat dollar amount. Know what that number is in dollars.
- A wind mitigation inspection can lower the windstorm part of your premium. If you have one from the last five years, have it ready.
- Older homes often need a 4-point inspection (roof, electrical, plumbing, HVAC), and roof age can affect eligibility and price.
- Flood is not included. Quote it separately.
Helpful resources
- My Safe Florida HomeFree wind mitigation inspections and hardening grants.
- Florida Office of Insurance RegulationCompare homeowners rates and check a company’s standing.
- Florida Department of Financial ServicesConsumer help line and insurance guides.
Flood Insurance
Flood coverage for homes, rentals and commercial property.
Start flood quoteGood to know
- Homeowners insurance usually does not cover flooding from outside the home.
- Flood risk can exist outside mapped high-risk zones.
- NFIP and private flood policies can differ in limits, deductibles, eligibility and waiting periods. NFIP policies generally have a 30-day waiting period, with exceptions.
- Buying or refinancing? Confirm the lender’s flood requirement and the effective date before closing.
Helpful resources
- FloodSmart.govThe NFIP’s guide to flood risk, coverage and costs.
- FEMA Flood Map Service CenterLook up the official flood zone for any address.
- Risk FactorA free flood risk score that looks beyond FEMA zones.
Or check a flood zone on our flood quote page.
Personal
Your car, rental and valuables
Auto Insurance
Coverage for your vehicles and listed drivers.
Start auto quoteGood to know
- Florida requires $10,000 of Personal Injury Protection (PIP) and $10,000 of Property Damage Liability. Bodily injury liability isn’t required by state law, but without it you can be personally responsible for injuries you cause.
- Uninsured motorist coverage is optional, and declining it must be done in writing. It protects you when the at-fault driver has little or no insurance.
- After an accident, PIP generally requires medical treatment within 14 days.
Helpful resources
- FLHSMV insurance requirementsFlorida’s minimum coverage and proof of insurance rules.
- Florida Department of Financial ServicesAuto insurance guides and the consumer help line.
Renters Insurance
Personal belongings and liability protection.
Start renters quoteGood to know
- Your landlord’s insurance covers the building, not your belongings or your liability.
- Many leases require a minimum liability limit or ask to be listed as an interested party. Check the lease before you buy.
Helpful resources
- Florida Department of Financial ServicesRenters and homeowners insurance guides.
Jewelry Insurance
Jewelry, watches and other valuables.
Start jewelry quoteLife, health & business
Your family and business
Life Insurance
Term and permanent coverage.
See life optionsHealth Insurance
Compare Marketplace plans and check eligibility for savings.
Compare plansGood to know
- Marketplace Open Enrollment starts November 1. Enroll by December 15 for coverage that starts January 1.
- Outside Open Enrollment, you generally need a qualifying life event, like losing other coverage, moving, marriage or a new child, and usually have 60 days to enroll.
Helpful resources
- HealthCare.govBrowse Marketplace plans and estimate savings.
- Special Enrollment screenerSee if a life event lets you enroll now.
Business Insurance
Liability, property, workers’ compensation and commercial auto.
Start business quoteSurety Bonds
Call with the bond requirement and we’ll take it from there.
Call 305-933-1626Not sure which coverage you need?
Tell us what you’re protecting and a licensed agent will point you to the right quote.