Coverage for the house, the cars, the boat, and the people in them.
We quote every line below across our carrier network, then explain the differences in plain language so you know exactly what you bought.
Homeowners
What it covers
Your house, other structures, personal belongings, loss of use, and personal liability. In Florida that also means getting windstorm, roof, and flood exposure right — not discovering the gap after a storm.
Why you need it
Your lender requires it, but the real reason is replacement cost. We compare carriers so the limits, deductibles, and hurricane provisions actually match what it would cost to rebuild your home today.
Quote HomeownersAuto
What it covers
Liability, uninsured motorist, collision, comprehensive, medical payments, roadside, and rental reimbursement.
Why you need it
Florida minimums leave most drivers badly exposed. We price real limits across our carrier network, and bundling with a home policy usually costs less than two separate policies.
Quote AutoLife
What it covers
Term and permanent coverage that pays a tax-free benefit to the people who depend on your income.
Why you need it
It replaces a paycheck, clears a mortgage, and funds college. Rates are health- and age-based, so the quote you get today is the cheapest one you will ever see.
Quote LifeUmbrella
What it covers
Extra liability limits — typically $1M and up — that sit on top of your home, auto, and boat policies.
Why you need it
One at-fault accident can exceed an auto liability limit in an afternoon. Umbrella coverage is the cheapest liability dollar you can buy, and it protects savings, equity, and future wages.
Quote UmbrellaBoat
What it covers
Hull damage, motor, trailer, personal effects, liability on the water, fuel spill, and towing assistance.
Why you need it
A homeowners policy covers a small boat at best and usually caps out fast. Named-storm haul-out coverage and agreed-value hulls matter on the Florida coast.
Quote BoatHome Warranty
What it covers
Repair or replacement of systems and appliances that break down from normal use — HVAC, water heater, plumbing, electrical, kitchen appliances.
Why you need it
This is not homeowners insurance. Homeowners insurance pays for sudden accidental damage from a covered peril, such as a storm tearing off shingles. A home warranty is a service contract that pays when a working system simply wears out and quits. Most owners need both; neither one covers the other's failure.
Quote Home WarrantyBundle it and check the price.
Home, auto, and umbrella under one carrier usually beats three separate policies. We will show you both numbers.