Our office is in Miami and our license covers the whole state. Put in your ZIP or city and we'll tell you right away — then quote you the same day, in English or español.
Same agency and same phone number wherever you are. What changes region to region is the coverage that actually matters — and we quote for the one you're in.
Miami-Dade, Broward, Palm Beach, and the Keys. The market we've worked street by street since 1994 — waterfront, condos, and family businesses.
Naples, Fort Myers, Cape Coral. Beautiful coast, serious wind and water questions — we line up homeowners, wind, and flood together so there are no surprises.
Tampa, St. Pete, Sarasota. Waterfront living with real storm exposure — a coverage review here almost always turns up something worth fixing.
Orlando, Kissimmee, Ocala. Away from the coast the wind math changes, and so should the policy — new construction and first homes especially.
Jacksonville down to St. Augustine. Historic neighborhoods and older housing stock that deserve carriers who still say yes.
Tallahassee, Pensacola, the Emerald Coast. Six hundred miles from our door and handled exactly the same way — coastal wind and second homes included.
The fair question about hiring a Miami agency from Pensacola is what service looks like when you're never going to walk in. Here is exactly what happens.
Two minutes online or one call to the office. Same form, same people, whether you're in Kendall or six hours up the road.
Carrier appetite changes by county — coastal wind, flood zone, roof age. We quote the carriers that actually write where you are.
Documents by email, signatures electronic, and certificates of insurance delivered quickly when a landlord or a general contractor is waiting on one.
(305) 220-7940 at renewal and at claim time. Not a queue, and not a new rep every year.
Independent agencies earn their keep on the coverage the big-name websites turn away. This is where thirty years of carrier relationships actually matter.
High-value and coastal homes are some of the hardest coverage in Florida to place at a rate that makes sense. We shop them across multiple carriers and specialty markets — and explain every trade-off.
Quote a waterfront home →
High-rise living with high-value finishes deserves more than a template policy. We size the coverage to what your unit — and everything in it — is actually worth.
Cover my condo →
When what you've built outgrows standard limits, a high-limit umbrella sits on top of your home and auto policies — protection sized to your assets, not to a default.
Raise my limits →
A pre-1990s roof or an aging panel can make carriers hesitate — especially with storm season in the forecast. We know which ones still say yes, and how wind mitigation and 4-point inspections can work in your favor.
Insure an older home →
Kitchens, liquor liability questions, workers' comp — the full package for the places Florida eats, from the fryer to the front door.
Cover my restaurant →
General liability, certificates of insurance delivered quickly, and workers' comp compliance — coverage that keeps you on the job site, not on hold.
Cover my crew →A Florida license doesn't stop at the county line. These are the ones we see most — the other 40-odd are served exactly the same way.
Prefer to browse by neighborhood? We keep local pages for the streets around our office: Westchester · Kendall · Sweetwater · Fontainebleau · Tamiami · Olympia Heights
No — most of our Florida clients never do. Quotes, policies, renewals, and claims help all happen by phone and email. The office is here if you're local and want the cafecito.
No. Documents go by email, signatures are electronic, and certificates of insurance are delivered quickly. The same two licensed people handle Pensacola and Kendall.
Yes — moving is exactly when coverage should be reviewed. Tell us the new address and we'll adjust or re-shop your policies so nothing lapses in the move.
If it's in Florida, yes. We're a licensed Florida agency — from Key West to Pensacola, the coverage we place and the carriers we quote work statewide.
Two minutes online, or one call to the office. Trusted by Florida families since 1994.
Get my free quote