Personal Insurance
Coverage for your family,
your home, your car.
Florida's market shifts every year. As an independent broker we move you between carriers when premiums spike or coverage drops — same one phone number, every line.
Homeowners
HO-3 for single-family homes. We shop Citizens depopulation cases and write across the private market — Universal, Slide, Edison, American Integrity, and more.
- Hurricane + wind included
- Citizens replacement coverage
- Flood add-on available
Auto
Florida no-fault auto, PIP, BI, UM/UIM, and full coverage. Bundle with home or condo for an extra discount.
- FL minimum + recommended
- Rideshare endorsements
- Multi-policy bundle savings
Condo (HO-6)
Coverage for what your condo association master policy doesn't cover — walls-in, contents, loss assessment, liability. Especially relevant for SB-4D milestone buildings.
- Walls-in coverage
- Loss assessment
- SB-4D-aware carriers
Flood
NFIP and private flood (Wright, Neptune, TypTap). For South Florida, flood is not optional — homeowners doesn't cover it.
- NFIP + private market
- Pre-FIRM grandfathering
- Coastal zone expertise
Life & Annuity
Term, IUL, whole life, annuities. We carry the Life Insurance Company of the Southwest plus Washington National appointments.
- Term 10/20/30
- IUL & whole life
- Fixed annuities
Health & ACA
ACA marketplace plans, off-marketplace plans, short-term medical. No broker fees — carrier-paid commission.
- Aetna · Oscar · Cigna
- Sunshine State · Centene
- Bilingual enrollment
30+ A-rated carriers
Your options — not just ours.
As independent brokers, we write with every major Florida-licensed carrier — when one drops you, another picks you up.
Stop overpaying for coverage
you don't understand.
Free quote. Free policy review. No obligation. We'll tell you exactly what changes between carriers — and what doesn't.
FL DFS License W190034 · NPN 9069115 · Licensed broker · Brokers of America PR LLC