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30+ Florida carriersReal quotes in 90 secondsNo obligation
Appointed with 30+ Florida home carriers
Plus 60+ life, health and benefits carriers
Independently owned and locally operated for 30 years. As a Florida broker we are not defending one carrier's rate, we find the combination of coverage and price that actually fits.
Thirty years in this market, helping people across Florida through hardening rates, roof age rules and carriers leaving the state. We shop the whole panel, explain what changed on your renewal, and stay reachable after the policy is written.
Book a 15 minute call
- 30Years of experience, independently owned and locally operated
- 30+Carriers on our panel, so the shortlist is genuinely yours
- 4.9Average rating across 87 verified local reviews
- ValricoOur office, serving all of Florida, Mon to Fri 9 to 5
Three steps, and a human at the end of all of them
Enter your address
The Google lookup pulls your property details automatically, so you are not typing out roof age and square footage from memory.
We shop the whole panel
Your home runs against every carrier we are appointed with, with wind mitigation credits already applied to the numbers you see.
Talk it through, then bind
A licensed agent in Valrico goes through the shortlist with you, answers the awkward questions and puts the policy in force.
One agency for the house, the cars and the crew
Thirty plus carriers on the panel, so the shortlist is genuinely yours and not whoever pays us best.
Homeand flood
Homeowners, mobile home and separate flood coverage for Tampa Bay.
Auto, umbrellaand life
Bundled where it lowers the total across every policy you hold.
Businessand contractors
Liability, workers' comp and bonds, with same-day certificates of insurance so you never lose a bid.
Not sure which of these you actually need? Fifteen minutes on the phone usually settles it.
(813) 776-1542A storm is the worst time to meet your agent
We live in the same neighbourhoods we insure. When weather comes through FishHawk, Valrico or Lithia, you are calling an office ten minutes away, not a queue in another state. We open the claim, chase the adjuster and tell you plainly what your policy does and does not cover.
The things Florida homeowners ask
Does getting a quote affect my current policy?
No. A comparison is purely informational. Nothing changes unless you tell us to move it, and we handle the timing so there is never a gap in coverage.
Why does my premium rise when I have never claimed?
Florida rates move with statewide reinsurance costs, roof age rules and litigation trends, not only your own history. That is why shopping the whole panel matters more here than in most states.
What is a wind mitigation inspection?
It documents how your roof and openings resist wind. In Florida it is usually the single largest discount available on a homeowners policy, and we apply the credits as soon as your report is on file.
Is flood included in home insurance?
It is not. Flood is always a separate policy, and around Tampa Bay it is worth pricing even outside a high risk zone. We write both so the two line up properly.
Do you cover mobile and manufactured homes?
Yes, including mobile home flood, which many agencies will not touch. Those carriers sit on a different panel and we are appointed with them.
Serving all of Florida, based in Valrico
Service area list to be confirmed with the client before launch.