Local Insurance Agents in Florida

Get the right coverage with the right agents in 2023

Elesha N Keaton - life insurance agent in georgia

Nathaniel Schiro

 ✔ verified 

“I am a Financial Educator, helping people take control of their money to create financial freedom.”

Services: Life insurance
Associated carriers: MOO, Foresters, North American, Gerber and many more

📍Cape Coral, Florida, 33991


Clarissa Carson

 ✔ verified 

❝Specialize in All Life Products, Term, Whole, Final Expense.❞

Services: Life insurance, Health insurance
Associated carriers: Prosperity, Oxford, Sagicor, Transamerica, Royal Neighbors, Mutual of Omaha

📍Ocala, Florida, 34477

JoeSpeer Life Insurance - Life insurance agent in georgia

Tsahai Martin

“I’m an agent that will look out for your best interest and work with what’s best for your family financially!”

Services: Life insurance

📍Groveland, Florida, 34736

JoeSpeer Life Insurance - Life insurance agent in georgia

Andrzej Zenczykiewicz

 ✔ verified 

“Do what’s right even when no one’s looking.”

📍Sarasota, Florida, 34240

Find Agents for Different Coverages in Florida

Home Insurance

Auto Insurance

Business Insurance

life insurance

Life Insurance

Florida is one of the most populous southeastern states and, after Texas, the second most populous Southern state. The Sunshine State’s beautiful scenery and climate have drawn many residents and visitors. With a high population comes the risk of various financial losses, be it due to human or natural intervention.

Suppose you’re one of the residents of the Sunshine State. In that case, reducing losses and having a reliable financial back is necessary. This is where good insurance coverage will come in handy. But at times, getting the right coverage can feel like a chore.  

Like most people, you probably regard insurance as a painful but uncertain necessity—a costly expense that you might not even require. However, insurance agents in Florida can provide you with invaluable peace of mind. And as long as you find the right policy for your needs, you won’t have to pay for an arm and a leg.


Why Choose Agency Height? 

Local Coverage Expertise– Explore top agents who best understand your location, local laws, and needs.   

The Power to Choose– Talk to an agent or five, the choice is yours! Get multiple quotes and pick the one you like best. 

Hassle-free process– No unwanted calls. Book free consultations with only the ones you choose. 

Popular Coverages in Florida

There are various insurance coverages in Florida that you can purchase. But you don’t have to purchase everything. Your specific needs and requirements can define what coverages you need or not. You can talk to an insurance agent in Florida for more details.

Generally, these are the popular coverages options you can find in Florida. 

Home Insurance 

  • Dwelling Coverage 
  • Personal Property 
  • Liability Insurance 
  • Additional Structures

Car Insurance

  • Bodily Injury Coverage 
  • Property Damage Coverage 
  • Uninsured Motorist Coverage 
  • Personal Injury Protection (PIP) 

Business Insurance 

  • Business Owners Policy 
  • Workers Compensation 
  • Commercial Umbrella Coverage 
  • Professional Liability Insurance 

Life Insurance 

  • Term Life Coverage 
  • Whole Life Coverage 
  • Annuities 

Average Insurance Rates in Florida 

Average insurance rates in Florida tend to fluctuate based on different factors. However, there are some general trends that can be observed. In general, insurance rates in Florida is higher than the national average. This is due to a number of factors, including the state’s high population density and the fact that it is a coastal state. As such, insurance companies tend to charge higher rates in Florida in order to offset the increased risk of losses. 

Type of Insurance Average Annual Premium Rates
Car Insurance $2,962 
Home Insurance $1,648  
Life Insurance $627 
Business Insurance $540 

Frequently Asked Questions


What is the cost of homeowners insurance on the Florida coast?

Florida homeowners pay an average of $1,648 per year for a policy with $250,000 in dwelling coverage, compared to $1,383 per year nationally.  

What is the cost of hurricane insurance in Florida?

The average cost of NFIP flood insurance in Florida is $628, while homeowners insurance costs $2,047 per year. Depending on where you live, you may also need to purchase separate windstorm insurance.  

How much does Florida car insurance cost per month?

The average cost of car insurance in Florida is $2,162 per year or $180 per month for a full coverage policy. The average monthly car insurance premium for state minimum coverage is $69, or $828 per year. Miami ZIP code 33125 is one of the most expensive in the state for full coverage insurance.  

Is car insurance mandatory in Florida?

In Florida, car insurance is required by law. Before registering and legally operating their vehicle in Florida, drivers must have no-fault insurance. Individuals must purchase insurance from a licensed insurance company.

Is Florida a no-fault state?

Florida is a no-fault car insurance state. This means that drivers, regardless of who caused the collision, must carry personal injury protection insurance (PIP) to cover their medical expenses and other accident-related damages.

Is liability insurance required in Florida?

Liability insurance while driving a car legally in Florida does not necessitate purchasing liability insurance. However, suppose you have been convicted of DUI. In that case, you must have bodily injury insurance under Florida Statute 324.023, Financial responsibility for bodily injury or death.

Can I lose my home in Florida because I was at fault in a car accident?

Can an At-Fault Car Accident Cause You to Lose Your Home? You cannot lose your home in Florida if you are at fault in a car accident. In most cases, the Florida homestead exemption will protect the at-fault driver’s home.

Find a Local Insurance Agent Near You

Connect with a local agent online to help you with your insurance needs.

insurance agents nearby