Miami-Dade County
Dense urban traffic, barrier-island flood exposure and a condo market reshaped by the post-Surfside structural reserve rules — Miami-Dade needs different coverage decisions than the rest of South Florida.
Miami
The full range, from downtown high-rises to single-family neighborhoods, with the state's heaviest traffic density driving auto premiums.
Miami Beach
A barrier island: flood zones, tidal nuisance flooding and a hospitality economy that needs liquor and short-term rental coverage.
Hialeah
One of Florida's densest cities, with older housing stock and tight commercial corridors that shape both home and fleet pricing.
Doral
The warehouse and light-industrial corridor beside Miami International — business owners here almost always need commercial auto alongside general liability.
Coral Gables
Historic masonry homes and a protected tree canopy: replacement cost and ordinance-or-law coverage matter more here than almost anywhere in the county.
Homestead
Deep south Dade, in the path Andrew took — wind mitigation credits and roof age drive the premium.
Kendall
A large unincorporated suburb where commute distance, not garaging address alone, tends to set the auto rate.
Aventura
High-rise condo territory along the Intracoastal, where the association master policy leaves predictable gaps.
Sunny Isles Beach
Oceanfront towers on a narrow barrier strip — wind and flood exposure at the top of the county's range.
Cutler Bay
Low-lying and coastal, with much of the town inside a FEMA special flood hazard area.
Pinecrest
Larger lots and mature canopy: falling-tree and other-structures limits are the usual weak spot.
Palmetto Bay
Village of single-family homes between US-1 and the bay, with flood zones that change street by street.
Miami Lakes
A planned community west of the Palmetto, with a commuter profile that rates differently from coastal Dade.
North Miami Beach
A heavily tenanted market where renters coverage is the gap most often left open.
Medley
A logistics enclave of warehouses and truck yards — box truck fleets are the local business.
Broward County
Our home county. Newer construction in the western suburbs rates very differently from the coastal condo strip, and the canal network east of I-95 puts boats and flood risk in the same conversation.
Hollywood
Where our office is — 1831 N 66th Avenue — covering the beach, the historic districts and everything west to the Turnpike.
Fort Lauderdale
Three hundred miles of navigable canals: homeowners, auto and marine coverage usually get written together here.
Pembroke Pines
A fast-grown west Broward city where newer roofs and modern wind ratings earn real premium credits.
Miramar
Post-1994 construction across most of the city, which changes what wind mitigation is worth.
Pompano Beach
Coastal condo towers on one side, a deep contractor and trades base on the other.
Weston
Master-planned and largely newer construction, sitting against the Everglades buffer.
Plantation
Established central Broward, where roof age is usually the deciding factor on eligibility.
Coral Springs
A planned city with wide arterials and a low-density street grid that shows up in auto pricing.
Davie
Equestrian and semi-rural pockets alongside suburban tract housing — outbuildings need their own limits.
Cooper City
Compact, newer and consistently well-rated for wind — worth re-shopping if your carrier hasn't credited it.
Parkland
Large-lot homes on the Palm Beach line, often above the limits standard carriers will write.
Tamarac
A large share of older and 55+ housing stock, where roof replacement schedules drive renewals.
Sunrise
Commercial parks and the Sawgrass corridor — general liability and workers' comp for local operators.
Deerfield Beach
Coastal condos on the Palm Beach county line, with association assessment exposure to match.
Hallandale Beach
A dense strip of condo towers between the Intracoastal and the ocean.
Palm Beach County
From the Boca and Delray condo corridor up to Jupiter's boating community, Palm Beach spans the widest range of property values we write — and the widest range of flood zones.
Boca Raton
Condo associations and single-family neighborhoods side by side, both affected by the reserve-funding rules.
West Palm Beach
The county's commuter hub, where garaging address and parking situation move the auto rate.
Delray Beach
Beachside and downtown condos with heavy seasonal occupancy swings.
Boynton Beach
A mix of older coastal housing and newer western developments — two very different rate pictures.
Jupiter
The Loxahatchee River and inlet make this a boating town first; homeowners policies here often need a marine companion.
Palm Beach Gardens
Golf-community construction, much of it newer, with high other-structures values.
Wellington
Equestrian country — barns, trailers and liability exposures a standard homeowners form doesn't contemplate.
Royal Palm Beach
Inland and west of the Turnpike, far enough from the coast to change the wind rating.
Treasure Coast
North of our core three counties, but close enough to serve directly — and the St. Lucie River and inlet make marine coverage a routine part of the conversation.
Port St. Lucie
One of Florida's fastest-growing cities, with newer construction and a long commute profile.
Stuart
The St. Lucie Inlet and Okeechobee Waterway put a boat behind a large share of local homes.