Auto & Home coverage, built around your life — not a script.

Many Florida drivers are underinsured and don't realize it until they need to file a claim. We walk through your current coverage, identify where you're exposed, and quote options that fit your situation — not just the cheapest sticker price.

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  Liability Coverage Protects you when you're at fault. We help you set limits that actually match Florida exposure.
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  Collision & Comprehensive Damage from accidents, theft, weather, and the unexpected. Including what your lender requires versus what you actually need.
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  Uninsured Motorist Critical in Florida, where many drivers carry the legal minimum or no coverage at all.
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  Personal Injury Protection (PIP) Required by Florida law. We make sure your PIP coordinates with your health insurance the right way.

Florida home policies are full of exclusions most homeowners never read. Weather exposure, water damage, wind deductibles — we walk you through what's actually covered, what's excluded, and what to add before the next claim forces the question.

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  Dwelling Coverage The structure itself. We make sure your rebuild cost reflects current Florida construction prices — not a number from five years ago.
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  Personal Property Your belongings, inside and outside the home. Including the limits on high-value items that often need a separate rider.
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  Liability Protection Covers you if someone is injured on your property. Critical, often underweighted, almost always too low by default.
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  Wind, Water & Flood The Florida-specific gaps. We help you understand wind deductibles, water exclusions, and whether you need separate flood coverage.