One Review.
Total Protection.
Florida insurance is complicated. Your coverage should not be. We review your Auto, Home, Flood, Health, Medicare, Life, and Business Insurance together so you can spot gaps, avoid overpaying, and protect what matters most.
The JustShield™ Protection Review
The JustShield™ Protection Review is our free coverage checkup for Florida families, seniors, and business owners. We review your current policies, life changes, risk exposure, and coverage needs across multiple insurance lines. Then we give you clear recommendations so you can make better decisions.
Auto Risk
We check liability limits, uninsured motorist coverage, household drivers, deductibles, and whether your policy still fits your vehicle and budget.
Home and Flood
We review dwelling coverage, storm exposure, hurricane deductibles, roof concerns, flood risk, and personal liability.
ACA Health
We check plan fit, subsidy eligibility, household income, doctors, prescriptions, and annual enrollment options.
Medicare
We review doctors, medications, Part D, Medicare Advantage, Supplements, dental, vision, hearing, and available assistance programs.
Life Insurance
We estimate the income gap your family could face and help you understand affordable protection options.
Commercial Insurance
We review liability, workers compensation, commercial auto, property, certificates, and contract requirements.
One appointment. Your entire protection picture. No obligation.
Life changes. Your insurance should change with it.
A new car, new home, moving to Florida, Medicare birthday, business launch, or health plan change can create coverage gaps. We help you review what changed before it becomes expensive.
Turning 26
Aging off a parent's health plan? We can help you compare ACA, private health, dental, and vision options.
Buying a Car
Before you accept the dealership's suggestion, let us compare coverage and pricing across available carriers.
Buying a Home
We help you understand homeowners insurance, flood risk, wind exposure, deductibles, and lender requirements.
Turning 65
Medicare has deadlines, penalties, and plan choices. We help you compare your options before you enroll.
Opening a Business
We help you review liability, workers comp, commercial auto, property, and other risks tied to your operation.
Moving to Florida
Florida insurance is different. We help you understand auto PIP, hurricanes, flood zones, roof concerns, and local carrier options.
Before you renew, compare.
Insurance renewals can increase without warning. Before you accept a higher premium, send us your current policy. We will review it, compare options, and show you whether there is a better fit.
Send your current policy
Upload or email your renewal notice.
We review your options
We check coverage, deductibles, limits, and available carriers.
You decide
We explain the options clearly. No pressure.
Available for Auto, Home, and Health renewals.
13 lines of insurance. One licensed advisor.
Your insurance should work as one protection plan, not a stack of disconnected policies.
Health Insurance
ACA Marketplace · Private Health Insurance · Discount Plans — individual & family coverage for every budget.
Learn MoreMedicare
Part D · Medicare Advantage · Supplementals — expert guidance on all Medicare options at no cost to you.
Learn MoreLife Insurance
Term, whole, and universal life coverage to protect your family's future.
Learn MoreAuto Insurance
Florida-compliant auto coverage with competitive rates and real protection.
Learn MoreHomeowners
Protect your Florida home from storms, floods, and the unexpected.
Learn MoreRenters
Affordable renters insurance to protect your belongings wherever you call home.
Learn MoreDental Insurance
Individual & family dental plans covering preventive, basic, and major services.
Learn MoreVision Insurance
Affordable vision plans covering eye exams, glasses, and contact lenses.
Learn MoreGeneral Liability
Protect your business from third-party bodily injury, property damage, and legal claims.
Learn MoreWorkers' Compensation
Cover your employees' medical expenses and lost wages if they're injured on the job.
Learn MoreCommercial Auto
Coverage for business-owned vehicles, fleets, and drivers operating on the job.
Learn MoreCommercial Property
Protect your business location, equipment, and inventory from damage or loss.
Learn MoreGarage Keepers
Liability coverage for auto dealers, repair shops, and service centers holding customers' vehicles.
Learn MoreFree Tools & Insurance Guides
JustShield™ Protection Score
Free 8-step assessment that scores your total coverage across all insurance lines.
Rx Savings Audit
Discover how much you could save on prescriptions — Part D, mail order, Extra Help, and more.
ACA Open Enrollment Guide
Deadlines, subsidy rules, and how to pick the right ACA Marketplace plan in Florida.
Medicare Open Enrollment Checklist
Step-by-step checklist for choosing the right Medicare plan before Dec 7.
Florida Flood Insurance Guide
NFIP vs. private flood — what every Florida homeowner needs to know.
Free ACA Subsidy Review
Find out if you qualify for premium tax credits — free 15-minute review.
Free Medicare Readiness Score
See how ready you are for Medicare — free bilingual review with a licensed agent.
Insurance Blog & News
Florida insurance tips, open enrollment updates, and coverage guides from our agents.
Florida Locations We Serve
Serving Miami, Homestead, Hialeah, Doral, Naples, Orlando, and all of South Florida.
We Don't Sell Policies. We Build Protection Plans.
One File. Your Entire Coverage Life.
We organize every policy — health, auto, home, life, Medicare, commercial — under one household or business profile. When something changes, we review the whole picture, not just one line.
Bilingual. Bicultural. Florida-Native.
Our agents speak English and Spanish fluently — not just translated scripts. We understand the South Florida community, the Miami-Dade market, and the real concerns of immigrant and multigenerational families.
Renewal Rescue — Compare Before You Renew.
Many Florida families auto-renew without comparing. We run a 15-minute renewal check on your auto, home, or health policy before it renews — so you can see what's available before you decide.
Start with one free review.
Bring your questions, current policies, renewal notices, Medicare concerns, or health insurance options. We will help you understand what you have and what may need attention.
Book a Free Protection Review
No obligation · No pressure · Bilingual
Our agents are available Monday–Saturday, 9am–6pm EST. English and Spanish.
Book My Free ReviewOr call us: (716) 424-5479We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Credentials & Accreditations
Florida Licensed
All Lines · Statewide
HIPAA Compliant
Health Data Protected
CMS Certified
Medicare Marketing
Bilingual Agents
English & Spanish
BBB Accredited
Rated A by BBB
Free Consultations
No Obligation
Trusted by Florida families and business owners.
Real outcomes from real Florida families — not stock photos or made-up quotes.
"They reviewed my Medicare, my auto, and my health plan in one appointment. I was overpaying on two of them and didn't even know it. Saved over $1,200 a year."
"We bundled our home and auto and saved over $800 a year. But what really impressed us was how they explained everything in Spanish — clearly, no pressure. They feel like family."
"As a small business owner I needed someone to audit my full commercial exposure — not just sell me a policy. Just Insurance did exactly that. No gaps, no surprises."
Individual results vary. Savings are not guaranteed and depend on eligibility, underwriting, coverage, benefits, carriers, and individual circumstances. Premium tax credits are federal subsidies based on income and household size — not agency discounts.
Why Families Choose Just Insurance Over the Alternatives
| Feature | Just Insurance | Online Aggregators | Captive Agents |
|---|---|---|---|
| Reviews all 13 lines together | — | — | |
| Bilingual (English & Spanish) | — | — | |
| No-pressure free consultation | — | — | |
| Local Florida agent you can call | — | ||
| Compares 20+ carriers | — | ||
| HIPAA & CMS compliant | — | — | |
| Renewal rescue review | — | — |
Guides & Checklists
Practical, printable guides written by licensed Florida agents — no jargon, just the steps you need.
Annual Protection Timeline
Know exactly when to review each coverage line — so you never miss a deadline, overpay at renewal, or lose a subsidy.
ACA Open Enrollment Closes (2026 coverage)
Last day to enroll in or change a Marketplace health plan for 2026 coverage. Note: Starting with Plan Year 2027, the federal deadline is expected to change to December 15. Verify the applicable deadline at HealthCare.gov before each enrollment season.
Auto & Home Renewal Season
Most Florida auto and home policies renew in spring. Run a Renewal Rescue comparison 30–45 days before your renewal date to lock in savings.
Medicare Advantage Open Enrollment Period
People already enrolled in a Medicare Advantage plan may generally make one change during this period — switch to another Advantage plan or return to Original Medicare. Enrollment availability depends on individual circumstances. Contact Medicare.gov or 1-800-MEDICARE for all available options.
Mid-Year Coverage Check
Life events (new job, marriage, baby, divorce) trigger Special Enrollment Periods. Review your ACA, life, and commercial coverage mid-year.
Medicare AEP Opens
Annual Enrollment Period begins. You have until December 7 to switch Medicare Advantage or Part D plans. Jaime reviews your current plan free.
ACA Open Enrollment Opens
Marketplace plans open for the following plan year. Income changes, new dependents, or carrier exits may mean a better plan is available. Deadlines vary by plan year — verify current dates at HealthCare.gov.
Medicare AEP Closes
Last day to switch Medicare Advantage or Part D plans. New coverage takes effect January 1. Don't auto-renew without a comparison.
Jaime sends free reminders before every key date — no obligation, just protection.
Book My Annual ReviewClient Success Stories
Real outcomes from real South Florida families and businesses — not stock photos or made-up quotes.
Auto Insurance
Homestead family was auto-renewing with the same carrier for 6 years. Renewal Rescue comparison found $1,184 in annual savings.
Medicare
Reviewed a Miami-Dade senior's Part D and Advantage plan. Switched carriers during SEP — reduced annual drug costs by $2,600.
ACA Health
Florida family of four was paying full premium. Jaime identified subsidy eligibility they didn't know existed — saving $847 per month.
Commercial
Florida contractor was over-classified on workers' comp. Corrected the classification and renegotiated — 22% premium reduction.
What Our Clients Are Saying
Real reviews from real Florida families — straight from Google.
Yamilka García Gil
May 2026
"Excellent service! He was extremely efficient, professional, and attentive throughout the entire process. He took the time to carefully understand both my child's and my needs and worked hard to find the best insurance options for us. I truly appreciated his patience, knowledge, and dedication. I highly recommend him to anyone looking for reliable and personalized help with health insurance."
Yt Capolot
June 2026
Jamie helped a lot — fast responder and gets the best plans for you and your loved ones. Would recommend 100 percent.
Sinahi Cardero
May 2026
Thanks to Jaime and his team at Just Insurance Services for all the help with my health and car insurance. I highly recommend them! They are very professional.
Leydis Ricardo Santiesteban
October 2025
I want to thank the team for their excellent service. They treated me with great courtesy and efficiency, and helped me at every turn. It was a very good experience.
Nathalia Vargas
September 2025
The person who helped me through the process of getting the health insurance that best suited my personal medical needs was extremely professional, respectful, and able to answer all my questions. Thank God and him, I'll soon be able to see the specialists I need!
Marlon Vazquez
September 2025
Very friendly and very good service. Thank you!
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