Home insurance
Coastal homes, competitive rates
Your home is your biggest asset. We shop the entire market, admitted and non-admitted, then build the policy around your roof, your wind mitigation report, and your neighborhood, not around a template.
We shop the entire market: 40+ carriers, every credit applied.
What we cover
Homeowners coverage, dissected
We start with a diagnosis: we read your current declarations page, find the gaps, and show you real options side by side. If a different carrier is thousands less, we tell you exactly what needs to be done on the home to earn that rate.
Dwelling & other structures
Replacement-cost limits that reflect real South Florida rebuild costs, not a stale valuation.
Wind & hurricane
Wind mitigation credits for impact windows, roof straps, hurricane-rated garage doors, and roof age.
Personal property & liability
Adjust limits, add scheduled items, or remove coverage you'll never use.
Full water versus limited water
We price both and show you what a $10,000 water cap would actually leave you paying.
Flood, separately handled
NFIP (FEMA) plus private flood markets with higher limits and better rates.
High-value & hard-to-place
Older roofs, prior claims, coastal proximity, vacant or rental property; wholesale markets included.
Get a quote
Two ways to start
Take the 60-second ballpark, or go straight to the real diagnosis and we'll shop 40+ carriers.
Path 1
Instant ballpark
Six quick questions, one per screen. 60 seconds.
Path 2
The real diagnosis
Accurate full quote across every market we reach.
Independent · 40+ carriers · No obligation
Proof it works
A woman lost a $700,000 home over a $10,000 limited-water endorsement that saved her a few hundred dollars a year. The same week, we placed full water coverage for a client for less than another agency's limited-water quote. This is why understanding your policy is everything.
Options when carriers say no
Citizens depopulation letter? Non-renewed? Old roof?
A depopulation letter means a private carrier has offered to take your policy, and you have a window to respond. That window is an opportunity, not a problem. We shop the takeout offer against the rest of the market, including carriers that never appear on a Citizens notice, and compare the coverage forms rather than only the premium. Non-renewals work the same way: the reason your carrier gave, whether it was roof age, prior claims, or a change in their appetite for your ZIP code, tells us exactly which markets to approach first.
Roof age is the single biggest driver of Florida eligibility, and it is also the most fixable. A current wind mitigation report can document roof-to-wall attachments, roof deck nailing, secondary water resistance, and opening protection; credits that frequently cut hundreds to thousands off an annual premium. A four point inspection can move a home from declined to acceptable with several carriers. If your home is close to qualifying, we tell you what needs to change and what the rate would look like once it does, so you can decide with real numbers instead of guesses.
What sets us apart
What sets our home insurance apart
Best rates through full market access
We shop every major carrier in the country to find the most competitive rate for each client.
Every discount applied, every time
Four point inspections, wind mitigation reports, impact windows, roof, hot water heater, hurricane-rated garage doors, military discount, first responder, law enforcement, gated community, alarm; you name it. If it saves the client money, we find it.
The diagnosis approach
Just like you go to the doctor to get a diagnosis, we cater to your insurance needs in the big picture. We dissect what a client has, identify gaps, and lay out real options, not one quote and a signature line. If there's a carrier for thousands less, we'll tell you what needs to be done on your home to get the rate you deserve.
Admitted and non-admitted carriers
Full range of options, including non-admitted carriers with financials stronger than many admitted ones.
Customizable coverage
Adjust limits, add or remove coverages, and build the policy around the client to best suit their needs.
Advocacy on denials
When a carrier says no, we find a path to yes.
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Find out what your home should really cost to insure.
Send us your current policy. We'll shop it across the whole market and show you every discount you're missing.