Flood insurance — because “high and dry” isn't a Florida guarantee.
Flood coverage is separate from your homeowners policy and required in many South Florida flood zones. We help you get it right the first time, whether through the NFIP or the private market.
Flood Insurance, explained.
Standard homeowners policies don't cover flood damage — full stop. If you're in a mapped flood zone, your lender likely requires separate coverage; even outside those zones, a large share of flood claims come from “low-risk” areas. We'll walk you through your flood zone designation and the coverage that actually fits it.
Talk to an agent- Building property coverage
- Personal contents coverage
- NFIP & private market options
- Lender-compliant policies
- Elevation certificate guidance
- Waiting period planning
An agency that works for you, not one carrier.
Not tied to one carrier
We shop your policy across markets instead of fitting your risk into whatever one insurer is willing to offer.
Built around Florida
Hurricanes, flood zones, wind mitigation — we know how these actually move your premium, and where you're overpaying.
A person, not a portal
Call, email, or stop by our Pembroke Pines office. You'll talk to someone who already knows your policy.
Talk to the owners, not a call center
Bilingual (English and Español), licensed in Florida, Georgia, Texas and Nevada, and based in Pembroke Pines. We'll answer your questions and shop the market for you.
Call 754-201-47969000 Sheridan St., Ste. 160
Pembroke Pines, FL 33024