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Insurance, explained by licensed agents
Plain-English guides written and reviewed by a Florida-licensed agent, updated when the rules change.
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Run the numbers yourself
Three free calculators to help you prepare for a conversation with your agent. Results are estimates, not quotes.
How much life insurance do I need?
Add up debts, income, mortgage and education to see the coverage gap to discuss.
Open calculator →UmbrellaHow much umbrella coverage should I consider?
Match a liability limit to your net worth and everyday risks.
Open calculator →Florida homesWind mitigation checklist
See which hurricane-resistant features your home may already have.
Open calculator →Guides
Written and reviewed by a licensed agent
Wind mitigation inspections in Florida: what they check and how they lower your premium
A one-page inspection that can reduce the windstorm portion of your homeowners premium for five years.
Rodolfo Romero · Updated October 2026HomeRoof age, 4-point inspections and Florida home insurance
Why your roof's age decides which carriers will quote, and what Florida law says about older roofs.
Rodolfo Romero · Updated October 2026CondoCondo insurance (HO-6) in Florida: what your association covers and what you do
Florida law splits responsibility between the master policy and your unit policy. Here is where the line falls.
Rodolfo Romero · Updated October 2026HomeCitizens Property Insurance: eligibility, the flood requirement and when to leave
When Citizens makes sense, the 20% rule, and the flood insurance requirement now phasing in.
Rodolfo Romero · Updated October 2026GuideHow we match Florida homes to insurance companies (2026 guide)
Which carrier fits depends on your roof, location and construction. Here is how an independent agency sorts it out.
Rodolfo Romero · Updated October 2026LocalHome insurance in Wellington, FL
What Wellington homeowners, equestrian property owners and HOA communities should know about coverage.
Rodolfo Romero · Updated October 2026From the blog
Latest insights from Rudy
Florida market updates, Citizens changes and hurricane-season advice. New posts appear here as soon as they're published.
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Florida Insurance Costs Are Rising. Here’s What Homeowners Need to Know.
Florida homeowners are facing a rapidly changing insurance landscape, with premiums up 75% since 2021. Understanding your coverage and planning ahead has never been more important.
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Faster Hurricane Recovery, Fewer Permit Delays
Florida homeowners face rising insurance costs and hurricane risks. Discover strategies, reforms and coverage solutions to stay protected and reduce premiums.
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Florida Exodus, Insurance Crisis
Florida homeowners face rising insurance costs and hurricane risks. Discover strategies, reforms and coverage solutions to stay protected and reduce premiums.
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September Insurance Spotlight: Navigating Florida Insurance
Stay updated on Florida’s insurance market: legislative changes, hurricane impacts, Citizens updates and flood insurance tips.
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Navigating the Citizens Depopulation: What You Need to Know
Learn about Florida’s Citizens Property Insurance depopulation program and how to evaluate offers, switch to private insurers and stay protected.
Read article →Free, no-obligation review
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