Home insurance
Coastal homes, honest rates
Your home is your biggest asset. We shop every major carrier in the country — admitted and non-admitted — then build the policy around your roof, your wind mitigation report and your neighborhood, not around a template.
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.
Water & equipment
Hot water heater, plumbing and equipment breakdown endorsements where they actually pay off.
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.
Check my rate
Tell us what to shop. We compare every carrier and call you back the same business day.
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.
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.