Personal insurance
Home, condo, flood, auto, boat, umbrella and life coverage from an independent agency that compares 50+ carriers for you.
Coverage builder
Tap what fits your life. The coverages most households like yours carry will light up. Tap any coverage to see what it does.
Free calculators
See how much life insurance or umbrella coverage to consider, and check which wind mitigation credits your Florida home may earn. Results are estimates, not quotes.
Add up debts, income, mortgage and education to see the coverage gap to discuss.
Open calculator →UmbrellaMatch a liability limit to your net worth and everyday risks.
Open calculator →Florida homesSee which hurricane-resistant features your home may already have.
Open calculator →Protection for your home's structure, belongings and personal liability from fire, theft, windstorm and more.
Covers what your association's master policy doesn't: interior walls, fixtures, upgrades, belongings and loss assessments.
Affordable protection for your belongings and liability when you rent.
Flood is excluded from homeowners policies. We quote NFIP and private flood together so you can compare limits and price.
Coverage for accidents, theft and weather, with liability limits sized to protect what you own.
Coverage for boats, yachts, PWCs and marine liability for South Florida and coastal boaters.
An extra layer of liability above home, auto and boat policies for lawsuits that exceed standard limits.
Term, whole and universal life from leading carriers to protect your family's future and your estate plan.
Private-client coverage for luxury homes, jewelry, art and collections, with broader terms and claims service to match.
FAQ
The amount you pay out of pocket on a covered loss before insurance pays the rest. Choosing a higher deductible lowers your premium; we'll show you the trade-off in dollars.
Jewelry, art and collectibles have limited coverage on a standard policy. We schedule them individually, often with no deductible and broader protection.
No. A new home appraisal isn't required for renewal or a coverage change.
In most cases, yes. We can take over servicing your existing policy through an agent-of-record transfer, then compare other carriers at renewal.
The insurance company pays us a commission that's already built into the premium. You pay the same premium you'd pay the carrier, and our job is to find you the best match across many carriers.
No. Quotes, comparisons and annual reviews are free, with no obligation.
A captive agent sells one company's products. We represent many carriers, so we can compare price and coverage and move you if a better option appears.
Free, no-obligation review
Most quotes come back within one business day. One conversation, every carrier we represent, no obligation.
