Protect Your Florida Home & Investment
Florida's weather and real estate market make the right homeowners insurance essential. We help you find comprehensive coverage that protects your home, belongings, and liability.
Homeowners Insurance Carriers We Represent
Florida Home Insurance Expertise
Our licensed Florida agents help you find the right coverage at the right price.
Hurricane & Storm Coverage
We specialize in Florida-specific risks including hurricane, wind, and tropical storm coverage — ensuring you're protected when it matters most.
Flood Insurance Specialists
Standard homeowners policies don't cover flooding. We help you navigate NFIP and private flood insurance options to protect your property.
Competitive Florida Rates
Florida's insurance market is unique. We work with carriers that specialize in the state to find you the best coverage at the most competitive price.
Home Coverage Options
Every situation is different — we'll help you find the plan that fits your life and budget.
Homeowners (HO-3)
The most common policy for single-family homes — covers your dwelling, personal property, and liability.
- Dwelling & structure coverage
- Personal property protection
- Liability & medical payments
- Additional living expenses
- Hurricane & wind coverage
Flood Insurance
Essential Florida coverage for rising water damage — required by most lenders in flood zones.
- Building & contents coverage
- NFIP & private flood options
- Required in FEMA flood zones
- Basement & foundation coverage
- Competitive private market rates
Condo & Renters
Tailored coverage for condo owners and renters protecting your personal property and liability.
- Personal property coverage
- Liability protection
- Loss of use coverage
- Unit improvements (condo)
- Affordable monthly premiums
Frequently Asked Questions
Have more questions? Call us at (716) 424-5479.
Is flood insurance required in Florida?
Flood insurance is required by most mortgage lenders if your property is in a FEMA-designated Special Flood Hazard Area (SFHA). Even outside flood zones, we strongly recommend it — over 25% of flood claims come from low-to-moderate risk areas.
Does homeowners insurance cover hurricane damage?
Most Florida homeowners policies cover wind damage from hurricanes, but may have a separate hurricane deductible (typically 2–5% of your home's insured value). We'll review your policy to make sure you're fully protected.
How is my home insurance premium calculated?
Key factors include your home's age, construction type, location, roof condition, proximity to water, claims history, and the coverage limits you choose. Florida's unique risks mean rates vary significantly by ZIP code.
What is Citizens Insurance and should I use it?
Citizens Property Insurance Corporation is Florida's insurer of last resort for homeowners who can't find coverage in the private market. While it's a valid option, private market coverage often provides better terms. We'll compare both for you.
Serving South Florida & All of Florida
Licensed Florida agents based in Homestead, proudly serving families and businesses across Miami-Dade, Broward, Palm Beach, and Monroe counties — and statewide.
Bilingual Service — English & Spanish
Our agents are fully bilingual. Whether you prefer English or Spanish, you'll get the same expert guidance, clear explanations, and personal attention — in the language you're most comfortable with.
Florida-Licensed & Independently Owned
We're not a call center. We're a locally-owned, Florida-licensed agency based in Homestead — your neighbors, not a 1-800 number. We know the Florida market, the carriers, and the communities we serve.
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!
Also Explore
We review all your coverage together — so nothing falls through the cracks.
Ready to get covered?
Get a free, no-obligation quote today. A licensed Florida agent will reach out within 1 business day.
Related Resources
Florida Flood Insurance Guide
NFIP vs. private flood insurance — what every Florida homeowner needs to know.
Home Insurance After a Hurricane
Claims process, coverage gaps, and what to do first after storm damage.
Free Home & Flood Risk Review
Find out if your home is truly protected against Florida's biggest weather risks.
Florida Home Insurance & Hurricanes
Why many Florida homeowners are underinsured and how to fix it.