Independent Homeowners & Auto Insurance Agency in Stuart, FL & the Treasure Coast
A family-owned agency since 2017. We work with many insurance companies and know which ones fit your home and car.
Florida home insurance is hard. We make it easier.
Buying home insurance in Florida can feel confusing. Prices change. Roofs get questioned. Some companies stop writing new policies.
We help you sort it out. We're an independent agency in Stuart, and we've helped Treasure Coast homeowners since 2017. We are appointed with more than 40 insurance companies. We know which ones are writing homes like yours, so we check the right ones and bring you the most competitive option we find.
Then we explain it in plain words, so you know what you are buying.
Insurance we offer
Insurance for your Florida home, car and business
Pick a coverage to see what it covers and how we help. Homeowners insurance is our main focus.
Homeowners Insurance
Homeowners insurance covers your home, your belongings and your liability if someone is hurt on your property.
In Florida, roof age, wind mitigation and the hurricane deductible all shape your options and your price. We explain each one before you buy.
Flood Insurance
A standard home policy does not cover flood, so flood insurance is a separate policy. It protects your home and belongings from rising water.
We offer flood coverage through the National Flood Insurance Program (NFIP) and private flood companies, and we help you compare the two.
Auto Insurance
Auto insurance covers damage to your car, injuries and your liability to other people after an accident.
We write auto policies with liability limits of 100/300 or higher, so you are better protected if you cause an accident.
Business Insurance
Every business has its own risks, from a storefront or office to a contractor's tools and trucks.
We help local businesses with liability, property, workers' comp and commercial auto coverage.
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More insurance we offer
- High-Value Home Insurance For larger and waterfront homes that need higher limits and broader coverage options.
- Condo Insurance HO-6 coverage for your unit, built around what your association's master policy does and does not cover.
- Condo Association Insurance Master policies for condominium associations.
- Personal Umbrella Insurance Extra liability protection that sits above your home and auto policies.
- Classic & Collector Car Insurance Agreed value coverage for classic, antique and collector cars, written through Hagerty.
- Builder's Risk Insurance Coverage for homes under construction or going through a major renovation.
Independent vs. captive
Why work with an independent insurance agency?
The difference comes down to how many insurance companies your agent can work with.
Captive agent
- Works for one insurance company.
- Can only offer that company's policy.
Independent agent
- Works with many insurance companies.
- If one company will not write your home, or its price jumps at renewal, we can look at other companies for you.
- You keep one local office to call, even if your policy moves to a new company.
One local team for home, car and more
Many of our clients also have their car, flood and umbrella coverage with us. It is easier to see gaps when one team looks at everything.
Three simple steps
How getting a home quote works
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1. Tell us about your home
Share your address, the year your home was built, and your roof's age.
If you have a wind mitigation report or a current policy, have it handy.
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2. We check the companies that fit
We look at the insurance companies that are writing homes like yours right now.
Not every company will quote every home.
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3. We walk you through it
We send you the best fit we find and explain the coverage, the deductibles and the price. You decide.
There is no cost to get a quote and no obligation.
Prefer to talk? Call 772-530-5305
Florida considerations
What affects home insurance on the Treasure Coast
These are the things that come up most when we quote homes here.
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Roof age and type
Many companies look closely at older roofs. A newer roof can open more options.
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Wind mitigation features
Things like roof straps and impact windows may earn wind credits. An inspection shows what your home has.
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Hurricane deductible
Florida policies have a separate deductible for hurricane damage. Choosing it changes your price and what you pay after a storm.
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Flood
All of Florida is in a flood zone. The only difference is a high flood zone or a low one. Standard home policies do not cover flood, so it is bought separately.
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Waterfront homes
Homes on the river, the lagoon or a canal often need extra review for wind, flood and docks.
Where we work
Serving homeowners across the Treasure Coast
We write insurance across Florida. Our office is in Stuart, and many of our clients live in Martin, St. Lucie and Indian River counties and northern Palm Beach County. We have a local guide for each of those areas.
Our office1239 SE Indian St, Suite 101Stuart, FL 34997
Who you will work with
A local agency you can visit
- Family-owned and independent since 2017
- Led by a second-generation insurance agent
- Licensed Florida agents, not a call center
- An office in Stuart you can walk into
- Rated on Google and accredited by the BBB (opens in a new tab)
Homeowners insurance is our main focus, and our team works from our office in Stuart.
Meet our teamGoogle reviews
Trusted by homeowners across Florida
Learn before you buy
Guides for Florida homeowners
Short, plain-English guides written by our team.
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Prices
What affects home insurance prices in Florida
The 10 things that affect Florida home insurance prices, from roof age and wind mitigation to hurricane deductibles and flood.
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Inspections
Wind mitigation vs. 4-point vs. roof inspections
What each Florida home insurance inspection does, when it may be required, and how it can affect roof eligibility and wind-mitigation discounts.
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Cost
What home insurance costs in Port St. Lucie
Typical price ranges in Port St. Lucie, what affects your premium, and how to compare policies.
What does an independent insurance agency do?
We work with many insurance companies instead of just one. We find the companies writing homes like yours, get you a quote, and help you understand it. If you need to change companies later, you keep the same local agency.
Does it cost anything to get a quote?
No. Quotes are free and there is no obligation to buy.
What do I need to get a home quote?
Your address, the year the home was built, and the roof's age and type. A wind mitigation report and a copy of your current policy's declarations page help too, if you have them.
Does home insurance cover flooding?
A standard home policy does not cover flood. Flood insurance is a separate policy. All of Florida is in a flood zone. The only difference is a high flood zone or a low one.
How does a hurricane deductible work?
Florida home policies have a hurricane deductible that is separate from the deductible for other claims. It is often a percentage of your home's coverage amount, so it can be much larger than your other deductible. We help you see the dollar amount before you choose.
The Florida Department of Financial Services has a consumer guide to the hurricane deductible.
Can I buy home insurance when a storm is coming?
Often you cannot. Insurance companies usually stop writing new policies when a storm threatens Florida. The best time to set up or change coverage is well before a storm.