The right coverage. The best price. Since 1994.

We're a family-run, independent agency in Miami. We compare Florida's top carriers and handle the paperwork — in English y en español.

Family-owned & operated Independent, multi-carrier English & Español
★★★★★ 4.4 average client rating Trusted by Florida families since 1994 Licensed Florida agency Se habla español

Coverage for the life you've built.

Four lines, one independent agency. Property is the bulk of what we write — and every policy gets quoted across multiple Florida carriers.

A trusted name in Florida insurance.

32 years Serving Florida since 1994 An independent agency, in business through every Florida market cycle since.
4.4 Average client rating Public Google reviews, unedited — including the ones that aren't five stars.
67 Florida counties served Licensed statewide. Quotes, policies, and claims handled by phone or online.
Both English y español, start to finish Not a translated form — the quote, the policy, and the claim, in your language.

You ask once. They compete.

This is what an independent agency actually does with your two minutes — and why the price at the end is the best one we can find.

STEP 1 · ~2 MINUTES

Tell us once

Online or by phone, in English or Spanish — just the basics.

Request my quote
STEP 2 · WE WORK
STEP 3 · YOU'RE COVERED

Your best fit, explained

  • Trade-offs in plain words, by a licensed person
  • Paperwork handled for you
  • Still here at renewal & claim time
Start my two minutes

Your time is worth something.

The same quotes, two very different ways to spend your week.

✕ YOUR WHOLE EVENING — OR WEEK

Shopping on your own

  • Fill out forms on site after site
  • Repeat your information every time
  • Decode the fine print alone
  • Get chased by call centers for weeks
  • Hope you picked the right one
✓ ABOUT TWO MINUTES OF YOURS

One request with us

  • Tell us once — we take it from there
  • Multiple Florida carriers quoted for you
  • A licensed person explains the trade-offs
  • One office that knows you, English y español
  • The right coverage at the best price we can find — free
Let us do the shopping

What Florida says on Google.

Map of Florida with coverage zones from the Panhandle to the Keys and our Miami office marked

One office. All of Florida.

The lobby is your phone — from our Miami office we quote and service coverage in all 67 Florida counties, same day, in both languages.

  • Licensed statewide — the Keys to the Panhandle
  • Everything handled by phone or online
  • En español, en todo el estado
Clara Prego, Vice President of Total Insurance Systems
Clara Prego, CPIAVice President · Licensed Florida P&C Agent · 30+ years in insurance

Real people, on your side.

Finding your rate is the easy part. The reason clients stay for decades is what comes after — claims, renewals, and the big life changes that coverage has to keep up with.

Agents who decode the jargon

Licensed people who translate deductibles, exclusions, and fine print into plain words — so you always know exactly what you're protected against.

Advice that answers to you

We're independent — our recommendations follow your situation, not a carrier's sales target. If staying put is your best move, that's what we'll tell you.

A person, one call away

Claims at the worst moment, a new driver, a new roof, a new business — call or email and a licensed agent picks it up. English o español.

Clara Prego, Vice President Pablo L. Ojeda, President

Ready to talk? Our agents are here to help.

  • (305) 220-7940
  • Monday – Friday: 9:00 AM – 5:30 PM ET
  • Weekends by appointment
  • English o español
Contact us

Frequently asked questions.

What does an independent agency do?

We don't work for one insurance company — we work for you. We take your situation, quote it across multiple Florida carriers, and bring you the options with the trade-offs explained in plain words.

Does a quote cost anything?

No. Quotes are free and there's no obligation. If we can't beat what you have, we'll tell you that too.

¿Puedo hacer todo en español?

Sí — de verdad. Nuestra oficina es bilingüe desde 1994. La cotización, la póliza y cualquier reclamo se pueden manejar completamente en español.

How do I file a claim or make a payment?

Call our office at (305) 220-7940 and we'll walk you through it, or contact your carrier directly — our Claims & Payments page lists every carrier's phone number.

Which carriers do you work with?

We maintain appointments with multiple Florida carriers across auto, property, commercial, and health. Ask us for the current list for your line of coverage — it changes as the Florida market changes.

Finished scrolling? Start saving.

Two minutes online, or one call to the office. The best price we can find you, since 1994.

Get my free quote