Standard homeowners policies exclude flood, and much of Miami-Dade floods without a hurricane involved. These agencies write NFIP policies and private flood alternatives, which are now often cheaper with higher limits.
19 insurance agencies listed · Updated August 2026
Doral independent agency covering home, flood, auto, commercial and marine risk, with health and supplemental lines through Florida Blue and Aflac. Its agent in charge also holds a public adjuster license. Serving Miami since 2006.
Compiled from public business listings. Not yet confirmed by the owner.
Hialeah's Choice Insurance Group writes home, flood, windstorm, auto and commercial packages — Universal, Responsive Auto and Progressive among its markets — with an all-lines adjuster on staff. Licensed since 2006.
Compiled from public business listings. Not yet confirmed by the owner.
Coconut Grove agency (a We Insure franchise) writing home, flood, condo, auto and business coverage, with life markets including Banner and Brighthouse. Licensed since 2006.
Compiled from public business listings. Not yet confirmed by the owner.
Florida Farm Bureau agency in Homestead writing home, flood, auto and life coverage through the Farm Bureau companies and partner carriers. Licensed since 2006.
Compiled from public business listings. Not yet confirmed by the owner.
Hialeah agency covering home, flood, wind and auto through Citizens, Universal, Progressive and American National, plus life and health lines. Licensed since 2006.
Compiled from public business listings. Not yet confirmed by the owner.
E & L Insurance on Calle Ocho writes Miami home, flood, condo and car insurance plus small-business coverage, with life markets including Pacific Life and Banner. Licensed since 2006.
Compiled from public business listings. Not yet confirmed by the owner.
Family-run Kendall consultancy whose book spans home, flood, auto, commercial and marine risk as well as a deep life portfolio with carriers including Pacific Life, Protective and Banner. Licensed in Florida since 2006.
Compiled from public business listings. Not yet confirmed by the owner.
Golden Global in Aventura covers home, flood, auto and business risk with Universal, Citizens, Florida Family and Progressive appointments, plus surplus lines capacity. Licensed since 2006.
Compiled from public business listings. Not yet confirmed by the owner.
Cardillo Insurance, run from Coral Gables, writes auto, home, flood and small-business coverage through Ocean Harbor, Citizens, Foremost and Universal. Licensed since 2006.
Compiled from public business listings. Not yet confirmed by the owner.
Coral Gables agency covering home, flood, hurricane, condo, auto and business insurance — appointed with Universal, TypTap, Citizens and Slide. Licensed since 2006.
Compiled from public business listings. Not yet confirmed by the owner.
Little Havana agency writing personal and business insurance — home, flood, wind, auto and workers' comp — with Citizens, Universal and American Bankers flood among its markets. Licensed since 2006.
Compiled from public business listings. Not yet confirmed by the owner.
Hialeah brokerage covering home, flood, auto and commercial lines through Progressive, Universal, Infinity and Security National. Licensed since 2006.
Compiled from public business listings. Not yet confirmed by the owner.
Little Havana independent — in business per its own site since 1995 and DFS-licensed as an agency since 2006 — quoting home, flood, condo, auto and commercial risk with Citizens, Universal, Progressive and Responsive Auto.
Compiled from public business listings. Not yet confirmed by the owner.
Alltrust (Sunny Isles/Aventura) covers home, flood, wind, condo and auto risk plus life products through Pacific Life, Banner and Mutual of Omaha affiliates. Licensed since 2009.
Compiled from public business listings. Not yet confirmed by the owner.
AllStar Insurance Services on Miami Beach quotes home, flood, condo and auto coverage — Homeowners Choice, Monarch National and American Bankers flood among its markets — with surplus lines capacity for harder risks. Licensed since 2011.
Compiled from public business listings. Not yet confirmed by the owner.
DTRT Insurance Group in Homestead covers home, flood, wind, condo, auto and business risk, with health and life markets including Cigna, Florida Blue and Prudential. Licensed since 2011.
Compiled from public business listings. Not yet confirmed by the owner.
Coconut Grove agency writing home, flood, wind and auto coverage through People's Trust, Universal, Citizens and Progressive. Licensed since 2015.
Compiled from public business listings. Not yet confirmed by the owner.
Home Port Insurance, a Liberty Company partner in Edgewater, writes home, flood, auto and marine coverage with Florida Peninsula, Edison and People's Trust among its carriers. Licensed since 2015.
Compiled from public business listings. Not yet confirmed by the owner.
Coconut Grove agency quoting personal auto alongside life and health products with American General, Banner and Hartford appointments. Licensed since 2016.
Compiled from public business listings. Not yet confirmed by the owner.