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Florida insurance, shopped for you.

Independent agency licensed in Florida. One conversation, several carriers, quotes side by side.

Serving Florida statewide, including Tampa, St. Petersburg, Orlando, Jacksonville, Miami, Fort Myers, Sarasota and Lakeland.

Home base: Tampa Bay

No payment, no obligation. We reply within the hour during business hours.

or call (813) 338-5036

Apex Insurance Servicez · Florida agency license L126518 · Agency NPN 21220861

What we write in Florida

Florida auto minimums

Florida auto minimums
StateMinimum required
Florida10/20 bodily injury under the Financial Responsibility Law, plus $10k property damage and $10k PIP.

Minimums are the legal floor, not a recommendation; most clients carry more.

Carriers available in Florida

Auto

  • Progressive
  • GEICO
  • Kemper
  • National General
  • Root
  • AssuranceAmerica
  • UAIC
  • Clearcover
  • Hugo

Home & property

  • Swyfft
  • SageSure
  • GeoVera
  • Olympus
  • Orion180
  • Apex Star Reciprocal Exchange (StarLight)
  • Neptune Flood
  • NFIP Direct (flood)

Business

  • NEXT Insurance (ERGO)
  • Pie
  • Progressive
  • GEICO
  • National General
  • Kemper

Availability varies by county and situation.

Florida property, plainly

Florida policies carry a separate hurricane deductible, usually a percentage of the dwelling amount, and we show it next to the premium so there is no surprise.

Older roofs and older homes often need an inspection before a carrier will quote; we tell you which ones apply before you pay for anything.

Flood is never part of a homeowners policy. We quote NFIP Direct and Neptune Flood alongside your home policy.

Read it on our home & property page

How it works from Florida

  1. Start online or by phone
  2. We shop it across carriers licensed in Florida
  3. You compare, we bind, and you keep the same contact after

Talk to a real person.

Mon–Fri 9am–5pm ET. After hours, book a time and we'll call you.