Comprehensive Coverage for Every Need
Tailored insurance solutions designed specifically for residents and businesses in Miami Dade, Tampa, Broward, West Palm Beach, Lee County, Hillsborough County, Pasco County, Pinellas County
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Coverage built for your home, your family, and your business.
Homeowners, flood, auto, life, health, workers' comp, general liability — all from one bilingual Miami agency.
Hurricane Season 2026
Stay Prepared for Hurricane Season
Access our comprehensive hurricane preparedness guide, evacuation routes, and real-time updates. We're here to help you protect your family and property before, during, and after the storm.
Secure Your PropertyInstall hurricane shutters, trim trees, and reinforce garage doors before the season starts.
Review Your PolicyCheck your homeowners and flood coverage limits. Most policies exclude flood damage — get separate flood insurance.
Document EverythingPhotograph your home, belongings, and valuables. Store records in the cloud for easy access after a storm.
Trusted by Miami Families
Don't just take our word for it — hear from our satisfied clients
OI
“Barbara Anaya's service was very good. I have been working with her for over 2 years and she makes her job very easy. She is always available for her work and, above all, very friendly!”Odraude I.Google Review · 5 stars
RC
“They always have our back. Great team. We have contacted them for almost any type of insurance there is. Oh, and they also do workers compensation insurance. Thanks for all the help.”Ricardo C.Google Review · Local Guide · 5 stars
RA
“It's so great to find serious people in this business. Always willing to guide, help, and offer the best rates to their clients! Quality, Professionalism, and Seriousness! From the youngest member of the company, Emmanuel, to Barbara, the President! 100% recommended!”Raykelis A.Google Review · 5 stars
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Read all reviews on GoogleFrequently Asked Questions
Get answers to common insurance questions
Most Miami homeowners need a combination of homeowners insurance, flood insurance, and windstorm coverage. Florida law requires separate wind and flood policies in high-risk areas. We can help you understand exactly what coverage you need based on your property location.
Flood insurance costs vary based on your property's flood zone, elevation, and coverage amount. On average, policies range from $400 to $2,000 annually. Properties in high-risk zones (AE, VE) typically have higher premiums. We can provide a personalized quote based on your specific property.
Florida doesn't offer standalone 'hurricane insurance.' Instead, you need a combination of homeowners insurance (for wind damage), flood insurance (for water damage), and possibly a separate windstorm policy. We'll help you understand which policies provide hurricane protection.
Standard homeowners insurance can often be activated within 24-48 hours. However, flood insurance through NFIP typically has a 30-day waiting period. We recommend getting coverage as early as possible, especially before hurricane season.
Homeowners insurance typically covers your home's structure, personal belongings, liability protection, and additional living expenses if your home becomes uninhabitable. However, flood and earthquake damage are excluded and require separate policies.
Visit our Hurricane Preparedness Hub for a step-by-step readiness checklist, deductible explainers, and document organization tips. The most important step is reviewing your coverage BEFORE storm season — not after. We can help you review limits, deductibles, and wind mitigation credits during a free coverage review.
