Florida's Premier Property & Commercial Insurance Agency
Personal & Commercial Lines
From primary residences to investment portfolios and commercial buildings, we protect the properties that matter most. As an independent agency, we shop dozens of carriers to find you the right coverage at the right price.
Personal Lines
Coverage for homeowners, condo owners, landlords, and property investors. We specialize in Florida's complex property market — including Citizens alternatives, wind mitigation discounts, and coastal properties.
The standard homeowners policy covers your home's structure, personal belongings, liability, and additional living expenses if your home becomes uninhabitable after a covered loss. In Florida, we help you navigate the market to find stable, affordable coverage — including Citizens alternatives and private carriers.
Anyone who owns and lives in a single-family home. Required by virtually all mortgage lenders.
Condo insurance (HO-6) fills the gap between your building's master policy and your personal assets. The condo association's master policy covers common areas and the building exterior — but your unit's interior, personal belongings, and liability are your responsibility.
All condo unit owners. Required by most condo associations and mortgage lenders. Renters inside condos need renters insurance instead.
Standard homeowners policies are not designed for rental properties. A Dwelling Fire policy (DP-3) is purpose-built for landlords — covering the structure, your liability as a landlord, and lost rental income when the property is uninhabitable after a covered loss.
Landlords renting out single-family homes, duplexes, small multi-family (2–4 units), or short-term rentals (Airbnb/VRBO).
Standard homeowners and landlord policies exclude properties that have been vacant for 30–60 days. Vacant properties face elevated risks — vandalism, theft, fire, and water damage with no one to notice. We place vacant property coverage for personal and commercial properties.
Investors rehabbing properties, estates in probate, seasonal/second homes left vacant, properties between tenants for extended periods, and new construction not yet occupied.
Commercial Lines
From office buildings to industrial facilities, we write commercial property for investors, developers, and business owners across Florida and all 50 states.
We shop dozens of personal and commercial carriers to find you the right coverage at the right price. Call us or request a quote online.
Coverage Estimator (813) 803-5036