Stop Overpaying for Home Insurance

We shop 20+ carriers to find South Florida homeowners the best rate — Citizens alternatives, hurricane coverage, flood insurance. Miami-Dade, Broward & Palm Beach.

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Why choose us

We Work For You, Not the Insurance Company

Unlike State Farm or Allstate who sell you one product, we're independent — we shop the market to find you the best coverage at the best price.

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Independent Agency

We represent 20+ top-rated carriers so we can compare rates and find the right fit for your home.

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Local South FL Experts

We know flood zones, hurricane deductibles, HOA requirements, and Citizens Insurance alternatives.

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Fast, Personal Service

Chat with Sol now 24/7. A licensed agent follows up within one hour to finalize your coverage.

What we cover

Full Coverage for South Florida

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Homeowners

Hurricane, windstorm, flood, liability, and personal property.

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Auto

Full coverage, PIP, liability, and SR-22 for South Florida drivers.

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Commercial

General liability, property, DP3 rental, and workers comp.

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Life

Term, whole, and IUL policies to protect your family's future.

South Florida Insurance Is Different.

Florida has the highest home insurance costs in the country. A local independent agent who knows your market can save you thousands.

Talk to Sol Now — It's Free

Hurricane deductibles are a percentage of your home value — typically 2–5% in coastal zones.

Flood insurance is NOT included in your homeowners policy. It's a separate policy.

Citizens Insurance is Florida's insurer of last resort — private carriers are often cheaper in 2026.

Bundling home and auto with one carrier typically saves 15–25% on both policies.

16 new carriers entered Florida in 2026 — more competition means better rates than ever.

Ready to Protect Your Home?

Chat with Sol for a free quote, or call us directly.

💬 Get a Free Quote with Sol 🌐 Visit Suntrust-Insurance.com