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As an independent agency, we're not tied to one insurance company. We compare coverage and pricing across a panel of trusted national and Florida-based carriers to find your best fit.
Auto Insurance
GEICO
GEICO (Government Employees Insurance Company) was founded in 1936 in San Antonio, Texas, originally to sell auto insurance directly to federal government employees and their families. Since 1996 it has operated as a wholly owned subsidiary of Berkshire Hathaway and is headquartered in Chevy Chase, Maryland. GEICO is one of the largest auto insurers in the United States, historically built around direct-to-consumer sales by phone and online rather than local agents, backed by a fully digital policy management and claims platform. It offers auto, motorcycle, and other personal lines coverage nationwide.
Learn more → Auto
Progressive
Progressive is a publicly traded insurance holding company headquartered in Mayfield Village, Ohio, founded in 1937 by Jack Green and Joseph M. Lewis. It is one of the largest auto insurers in the United States, offering personal and commercial auto coverage along with home, renters, and other property lines. Progressive is widely known for pioneering usage-based insurance through its Snapshot program, which offers discounts based on actual driving behavior, and for being an early mover in phone- and internet-based policy sales. It sells policies both directly to consumers and through a large network of independent agents.
Learn more → Auto & Specialty
National General
National General Insurance is headquartered in Winston-Salem, North Carolina, and has been a wholly owned subsidiary of Allstate since Allstate completed its acquisition of the company in January 2021. National General specializes in non-standard personal auto insurance for drivers who may not qualify with standard-market carriers, such as those with a limited driving history or past violations, and also offers specialty lines including motorcycle, RV, and commercial auto coverage. Its products are distributed primarily through independent agents and brokers rather than sold direct to consumers.
Learn more → Auto
Bristol West
Bristol West was founded in 1973 in Florida as a non-standard personal auto insurer and has been part of the Farmers Insurance Group of Companies since Farmers acquired Bristol West Holdings in 2007. It focuses on providing auto coverage to drivers with a limited insurance history, past violations, or other factors that can make it harder to qualify with standard-market carriers, with coverage available across dozens of states. Bristol West policies are sold through independent agents and brokers rather than directly to consumers.
Learn more → Classic & Collector Vehicles
Hagerty
Hagerty was founded in 1984 in Traverse City, Michigan, by Frank and Louise Hagerty, originally to insure classic and collector wooden boats before writing its first classic car policy in 1991. Now led by McKeel Hagerty and publicly traded on the New York Stock Exchange (HGTY), the company has grown into one of the leading providers of specialty insurance for classic, collector, and enthusiast vehicles. Hagerty's policies are built around agreed-value coverage and terms tailored to how collectors actually drive and store their vehicles, rather than standard daily-use auto policies. Beyond insurance, Hagerty also operates automotive media, events, and valuation services for the collector car community.
Learn more → Auto
Root Insurance
Root Insurance was founded in 2015 in Columbus, Ohio, by Alex Timm and Dan Manges, built around a smartphone-based telematics model that scores individual driving behavior — such as braking, turning, and phone use — and prices auto policies using that data rather than traditional rating factors alone. The company went public in 2020 and trades on the Nasdaq under the ticker ROOT. Root is sold primarily direct-to-consumer through its mobile app, with auto coverage available in most U.S. states.
Learn more → Auto (Last Resort)
Florida Automobile Joint Underwriting Association (FAJUA)
The Florida Automobile Joint Underwriting Association (FAJUA) was created by the Florida Legislature in 1973 to serve as the state's insurer of last resort for licensed drivers and vehicle owners who are unable to obtain auto liability or physical damage coverage in the private market. It operates as a shared, statutorily created risk pool rather than a private company — every insurer authorized to write automobile insurance in Florida is required by law to participate in and help fund it. Because it exists to cover higher-risk drivers who have been turned away by private carriers, FAJUA's rates are generally higher than those available in the standard or non-standard private market. Coverage is placed through licensed agents on behalf of applicants who qualify.
Learn more →Homeowners Insurance
Universal Property & Casualty
Universal Property & Casualty Insurance Company (UPCIC) is a Florida-domestic homeowners insurer headquartered in Fort Lauderdale, founded in 1997. It is the flagship insurance subsidiary of publicly traded Universal Insurance Holdings, Inc. (NYSE: UVE), and is one of the longest-operating property insurers in the state, with decades of experience underwriting hurricane-exposed coastal and Central Florida homes. Beyond Florida, UPCIC also writes homeowners coverage in a number of other states. The company offers homeowners, condo, and renters policies sold through independent agents.
Learn more → Homeowners
Heritage
Heritage Property & Casualty Insurance Company is a Florida-domestic homeowners insurer founded in 2012 and headquartered in Clearwater, Florida. It operates as a subsidiary of publicly traded Heritage Insurance Holdings, Inc., which has traded on the NYSE under the ticker HRTG since 2014. Heritage built its business underwriting hurricane-exposed coastal properties in Florida using catastrophe modeling and reinsurance to manage storm risk, and has since expanded its homeowners and commercial residential offerings into other coastal states along the Gulf and East Coasts. It offers homeowners, condo, and rental property coverage sold through independent agents.
Learn more → Homeowners
American Integrity
American Integrity Insurance Group is a Florida-domestic homeowners insurer headquartered in Tampa, founded in 2006 by CEO Bob Ritchie in response to the wave of carrier exits and non-renewals following the 2004 and 2005 hurricane seasons. The company has grown into one of the larger providers of residential property insurance in Florida, offering homeowners, condo, and renters coverage sold through independent agents statewide. In May 2025, American Integrity Insurance Group, Inc. completed an initial public offering and began trading on the New York Stock Exchange under the ticker AII.
Learn more → Homeowners
Slide
Slide Insurance is a Florida-based homeowners insurtech headquartered in Tampa, founded in 2021 by Bruce and Shannon Lucas and launched operations in early 2022. The company underwrites homeowners, condo, and commercial residential property policies in Florida and South Carolina, distributed through a network of independent agents. Slide differentiates itself through a technology-driven approach, using data analytics and automation to streamline quoting, underwriting, and claims handling for coastal, hurricane-exposed properties.
Learn more → Homeowners
Citizens Property Insurance Corporation
Citizens Property Insurance Corporation is a not-for-profit insurer created by the Florida Legislature in 2002 through the merger of the Florida Windstorm Underwriting Association and the Florida Residential Property and Casualty Joint Underwriting Association. It exists to provide windstorm and property coverage to Florida homeowners who are unable to find coverage in the private insurance market, functioning as the state's insurer of last resort rather than a conventional for-profit carrier. Citizens is overseen by a state-appointed Board of Governors alongside the Florida Office of Insurance Regulation, and its policy count has risen and fallen over the past two decades as private-market capacity has expanded and contracted.
Learn more → Homeowners
Patriot Select
Patriot Select Property and Casualty Insurance Company is a newer Florida homeowners insurer based in the Tampa Bay area, approved by the Florida Office of Insurance Regulation to begin writing business in 2025. It was founded by John W. Rollins, a longtime Florida insurance executive who previously served as Chief Risk Officer at Citizens Property Insurance Corporation. Patriot Select offers homeowners, condo, renters, and business property coverage in Florida, Texas, and Louisiana, sold through independent agents, and has participated in Citizens' depopulation program, which moves eligible policies from Citizens into private carriers.
Learn more → Homeowners
Southern Oak Insurance Company
Southern Oak Insurance Company is a privately held, Florida-owned homeowners insurer founded in 2004, based in Ponte Vedra Beach with home offices in Jacksonville. The company focuses on personal residential property coverage for Florida homeowners, condo owners, and renters, with an executive team drawing on decades of combined experience in the state's property insurance market. Southern Oak also participates in the National Flood Insurance Program, with NFIP flood claims handled through a separate flood claims line from its homeowners claims operation.
Learn more → Homeowners
Florida Peninsula Insurance Company
Florida Peninsula Insurance Company is a Florida-domestic homeowners insurer headquartered in Boca Raton, founded in 2005 as one of several new carriers that entered the market after national insurers pulled back from Florida following the 2004-2005 hurricane seasons. It is managed by Windward Risk Managers (renamed from Florida Peninsula Managers in 2024), which also oversees sister carrier Edison Insurance Company. Florida Peninsula offers homeowners, condo, renters, and landlord property policies sold through independent agents, and together with Edison serves several hundred thousand policyholders across the state.
Learn more → Homeowners
Edison Insurance Company
Edison Insurance Company is a Florida-domestic homeowners and condo insurer that became a sister company to Florida Peninsula Insurance Company after Windward Risk was founded to manage both carriers, acquiring Edison in 2010. Both companies are overseen by Windward Risk Managers (formerly Florida Peninsula Managers), sharing the same policy administration platform, claims infrastructure, and executive leadership. Edison offers residential property coverage sold through independent agents, and its roots, like Florida Peninsula's, trace back to the wave of new Florida carriers formed after the 2004-2005 hurricane seasons.
Learn more → Homeowners
One Alliance North America (formerly Universal North America)
One Alliance North America Insurance Company was founded in 2003 as Universal North America and is headquartered in Sarasota, Florida. In January 2025 the company was acquired by 5B Alliance, LLC and completed its rebrand to its current name shortly after. It is a Florida-licensed property insurer writing homeowners, renters, condominium, dwelling fire, and businessowner policies, with additional coverage available for flood, earthquake, hurricane, and equipment breakdown. It continues to serve Florida homeowners and other property owners through independent agents.
Learn more → Homeowners
Swyfft
Swyfft is a technology-driven program underwriter headquartered in New Jersey that offers homeowners, commercial property, and private flood insurance policies backed by carrier partners rather than underwriting risk itself. Instead of lengthy applications, Swyfft uses proprietary data and analytics, including property records and aerial imagery, to generate quotes in seconds. It writes business in a number of states, including Florida, and distributes its policies exclusively through independent agents rather than selling directly to consumers.
Learn more → Coastal Property
GeoVera
GeoVera is a specialty catastrophe-property insurer founded in 1997 and headquartered in Fairfield, California, and is among the leading providers of residential earthquake insurance in the country. Beyond earthquake coverage in California, Oregon, and Washington, GeoVera underwrites coastal homeowners, landlord, vacant-home, and wind-only policies in Florida and other Gulf and Atlantic coast states. In a 2026 restructuring, its carriers combined with SafePort Insurance Company under a new holding company, GeoVera Nova Holdings, while its program-administration arm was acquired by SageSure. Policies are sold through independent agents.
Learn more → Manufactured Home
Unique Insurance
Unique Insurance Company is the personal-lines property arm of Producers National Corporation, an insurance holding company founded in 1996 and headquartered in Niles, Illinois, near Chicago. Unique specializes in manufactured and mobile home insurance, writing structure, contents, loss-of-use, and liability coverage for homeowners in Florida, Illinois, and Arizona. It is a sister company to Stonegate Insurance Company within the same corporate family, and its policies are sold through independent agents.
Learn more → Manufactured Home
Foremost
Foremost Insurance Group was founded in 1952 in Grand Rapids, Michigan, where it remains headquartered, and wrote what is considered the insurance industry's first dedicated mobile home policy. Its early research helped shape mandatory mobile-home tie-down laws and federal manufactured-housing building codes. Farmers Insurance Exchanges acquired Foremost in 2000, and it now operates as part of the Farmers Insurance Group of Companies while continuing to specialize in manufactured and mobile home coverage, along with vacant home, seasonal home, and landlord property lines, sold through independent agents.
Learn more → Homeowners
Mangrove
Mangrove Property Insurance Company received its certificate of authority from the Florida Office of Insurance Regulation in January 2025 and is based in the St. Petersburg, Florida area. It was among several new insurers approved to enter Florida's market following the state's 2022-2023 insurance-reform legislation, writing HO-3 homeowners and DP-3 dwelling fire/rental policies for owner-occupied homes statewide, including some policies assumed from Citizens Property Insurance Corporation. As a newer entrant, the company points to having no legacy claims exposure as a foundation for stability. Policies are sold through independent agents.
Learn more → Homeowners
Monarch National Insurance Company
Monarch National Insurance Company was formed in 2015 as a Florida joint venture and is headquartered in Tallahassee, writing homeowners (HO-3), dwelling fire (DP-3), condo (HO-6), and renters (HO-4) coverage exclusively for Florida properties. Day-to-day underwriting and claims administration are handled by HP Managing Agency on the company's behalf. Monarch has received strong marks from independent financial-strength rating agencies. Coverage is sold through independent agents across the state.
Learn more → Homeowners
Trident Reciprocal Exchange
Trident Reciprocal Exchange was founded in 2022 and is headquartered in Lake Mary, Florida. As a reciprocal exchange, it is a member-owned insurer in which policyholders participate as subscribers of the exchange rather than the company being owned by outside shareholders, a structure also used by some other property insurers. Trident writes homeowners multiperil coverage exclusively for Florida properties, including some policies taken on through the state's Citizens Property Insurance Corporation depopulation program. Coverage is sold through independent agents.
Learn more → Manufactured Home
Stonegate Insurance Company
Stonegate Insurance Company is a member of the Producers National Corporation family of insurers, a holding company founded in 1996 and headquartered in Niles, Illinois, just outside Chicago. Stonegate specializes in manufactured and mobile home insurance for primary and secondary residences, available in Florida and Arizona, and also writes personal auto and commercial lines, including commercial trucking coverage, in other states where it is licensed. It is a sister company to Unique Insurance Company within the same corporate family, and its policies are sold through independent agents.
Learn more →Flood Insurance
Wright Flood
Wright Flood is headquartered in St. Petersburg, Florida, and operates as a subsidiary of Brown & Brown, Inc., within its Arrowhead Programs group. The company has specialized exclusively in flood insurance for more than 40 years and has served as a Write Your Own (WYO) carrier for the National Flood Insurance Program for over three decades, alongside offering private flood insurance for residential and commercial properties. Following its 2025 acquisition of Poulton Associates, Wright Flood is recognized as the largest flood insurance provider and servicer in the country, working with a large network of independent agents nationwide.
Learn more → Flood
National Flood Insurance Program (NFIP)
The National Flood Insurance Program was created by Congress in 1968 to make flood insurance available in communities that adopt floodplain management standards, and it has been administered by the Federal Emergency Management Agency since 1979. Coverage is backed by the federal government and sold either directly through NFIP Direct or through private Write Your Own (WYO) carriers that issue and service the same standard federal policy; claims handling and billing details depend on which company issued the policy. In 2022, FEMA introduced Risk Rating 2.0, a new pricing methodology that bases premiums on individual property risk factors.
Learn more → Private Flood
AonEdge
Aon Edge is a private flood insurance program administrator that began in 2003 as Advanced Insurance Coverages before being rebranded Aon Edge in 2018; it operates as a division of Aon, the global professional services and insurance brokerage firm. Aon Edge designs and distributes private flood insurance products, including primary coverage and excess flood insurance layered on top of an NFIP policy, underwritten by partner insurance carriers and sold through independent agents and lenders nationwide. Its offerings include the EZ Flood program, positioned as a simplified alternative to standard NFIP coverage.
Learn more → Flood
Neptune Flood
Neptune Flood is a Florida-based private flood insurer headquartered in St. Petersburg, founded in 2016. It uses proprietary technology and property-level risk data, rather than broad flood-zone or ZIP-code averages, to deliver instant online quotes for residential, commercial, and excess flood coverage, with policy limits well above the NFIP's $250,000 cap. Neptune has grown into the largest private flood insurer in the country and completed an initial public offering on the New York Stock Exchange under the ticker NP in October 2025.
Learn more →Marine Insurance
United Marine Underwriters
United Marine Underwriters, based in La Grange, Kentucky, is a specialty marine insurance program that has operated since 1990 as part of Troutman & Associates, Inc. The company markets, quotes, binds, and services boat, yacht, and personal watercraft insurance policies, with coverage placed through partner insurance carriers, working with independent agents nationwide. It covers a wide range of vessel types, including powerboats, sailboats, houseboats, and personal watercraft, along with related property such as boat trailers and motors.
Learn more → Marine/Boat
Progressive Boat & PWC
Progressive is a publicly traded insurance company founded in 1937 and headquartered in Mayfield Village, Ohio, and is one of the largest personal auto insurers in the United States. Beyond auto coverage, Progressive underwrites boat and personal watercraft insurance for a wide range of vessels, including pontoons, powerboats, sailboats, and Jet Ski/WaveRunner-type PWC, with liability, comprehensive, and collision coverage plus optional add-ons like on-water towing and wreckage removal, sold alongside its broader auto, home, and specialty insurance lineup.
Learn more →Commercial Insurance
biBERK
biBERK is the direct-to-consumer small-business insurance brand of Berkshire Hathaway, launched in 2015 and based in Omaha, Nebraska. Its policies are underwritten by Berkshire Hathaway's insurance subsidiaries, giving the brand the financial backing of one of the country's largest insurance organizations. biBERK sells business owner's policies, general liability, commercial auto, workers' compensation, professional liability, and cyber coverage, primarily through its own online platform, with an emphasis on straightforward, low-overhead pricing for small businesses. It is also available through independent agents.
Learn more → Builder's Risk
US Assure
US Assure is a program administrator based in Jacksonville, Florida, founded in 1977 as Home Builders Insurance Services. It exclusively distributes, underwrites, and services the Builders Risk Plan insured by Zurich, covering new construction, renovation, and installation projects nationwide for both residential and commercial builders. In 2024, US Assure was acquired by Ryan Specialty, a specialty insurance distribution firm. The company has focused exclusively on builders risk coverage, offered through independent agents, for nearly five decades.
Learn more → Small Business
Hiscox
Hiscox traces its roots to a marine underwriting business at Lloyd's of London founded in 1901, and today operates globally as Hiscox Ltd, headquartered in Bermuda with its US operations centered in Atlanta, Georgia and Chicago, Illinois. In the United States, Hiscox specializes in small business insurance, including professional liability, general liability, business owner's policies, and cyber coverage, for professions such as consultants, contractors, and healthcare and wellness providers. Coverage is available both directly online through hiscox.com and through independent agents and brokers.
Learn more → Small Business
Next Insurance
Next Insurance is a technology-driven insurer founded in 2016 by Guy Goldstein, Alon Huri, and Nissim Tapiro, headquartered in Palo Alto, California. The company built its business on fast, fully digital underwriting, offering small business owners general liability, professional liability, workers' compensation, commercial auto, and business owner's policies sold directly online. In 2025, Next Insurance became a wholly owned subsidiary of ERGO Group, the international insurance arm of Munich Re, after ERGO completed a full acquisition of the company. Next serves small businesses across a wide range of professions nationwide.
Learn more → Workers' Comp
AmTrust Financial Services
AmTrust Financial Services is a New York City-based insurer founded in 1998 by brothers George and Michael Karfunkel, built initially around workers' compensation coverage for small businesses before expanding into specialty risk, extended warranty, and middle-market property and casualty programs. The company was taken private in 2018 in a transaction involving the Karfunkel-Zyskind family, CEO Barry Zyskind, and private equity firm Stone Point Capital, and now operates internationally. AmTrust continues to distribute workers' compensation and other small and mid-sized business coverage through independent agents nationwide.
Learn more → Specialty Commercial
Great American Insurance Group
Great American Insurance Group traces its history to 1872 and is headquartered in Cincinnati, Ohio, where it is the primary property and casualty insurance operation of American Financial Group (NYSE: AFG). The group is organized as a specialty commercial carrier, writing more than 30 distinct lines of business - including equipment breakdown, inland marine, ocean marine, and executive and professional liability - for businesses and risks that often don't fit a standard policy. Great American distributes its products through independent agents and brokers across the country.
Learn more → Cyber Liability
Cowbell Cyber
Cowbell is a cyber insurance provider founded in 2019 and headquartered in Pleasanton, California. The company uses continuous, data-driven underwriting - which it calls Cowbell Factors - to assess a business's cyber risk profile on an ongoing basis rather than relying solely on a point-in-time application, aiming for faster, more tailored underwriting decisions. It offers data breach, ransomware, and other cyber liability coverage for small and mid-sized businesses, distributed through independent agents. Cowbell has raised venture funding across multiple rounds to expand its underwriting technology and market reach.
Learn more →Dental & Vision Insurance
NCD Insurance
NCD, formally National Care Dental Health Plan LLC, is a Dallas, Texas-based company founded in 2020 that markets individual and family dental and vision insurance plans with instant online enrollment, sold both directly and through independent agents. Rather than underwriting policies itself, NCD partners with licensed insurance carriers that handle underwriting, claims processing, and plan administration for its dental and vision products, which are marketed nationally subject to state availability.
Learn more → Dental
Delta Dental
Delta Dental traces its roots to dental service organizations formed in California, Oregon, and Washington in 1954, with the national Delta Dental Plans Association established in 1966 to coordinate coverage across states; its national office is based in Chicago, Illinois. It is a not-for-profit network of 39 independent member companies operating in all 50 states, the District of Columbia, and Puerto Rico, together forming one of the largest dental insurance networks in the U.S. by participating dentists. Delta Dental offers individual and family dental plans with instant online enrollment.
Learn more →Specialty Insurance
Ryan Specialty
Ryan Specialty is a publicly traded (NYSE: RYAN) wholesale distribution and underwriting management firm headquartered in Chicago, Illinois, founded in 2010 by Patrick G. Ryan, the founder of Aon Corporation. It connects independent retail agents with excess and surplus (E&S) and specialty insurance markets through two service lines: wholesale brokerage, and underwriting management units (MGUs) that design and administer specialty programs for carriers. Ryan Specialty went public on the NYSE in 2021 and is one of the largest specialty insurance distributors in the U.S. It does not bear insurance risk itself; policies are underwritten by its carrier partners.
Learn more → Small Commercial
Attune
Attune is a technology-enabled managing general agent (MGA) platform, headquartered in New York City, that gives independent agents fast online quoting and binding for small-commercial insurance products such as businessowner's policies, general liability, and workers' compensation. Policies are underwritten by carrier partners rather than by Attune itself. Originally launched in 2016 as a joint venture backed by AIG, Hamilton Insurance Group, and Two Sigma, Attune was acquired by cyber insurer Coalition in 2021 and then by Cake, the digital MGA subsidiary of Colorado-based Pinnacol Assurance, in January 2023, which remains its current owner.
Learn more → Construction & Specialty Programs
Integrated Specialty Coverages (ISC)
Integrated Specialty Coverages (ISC) is a wholesale managing general agency and program administrator headquartered in Carlsbad, California, founded in 2016. ISC underwrites and distributes specialty insurance programs across multiple verticals - including construction, real estate, hospitality, and retail - through a network of retail and wholesale insurance brokers, combining underwriting expertise with proprietary data analytics. The company has been backed by private equity investors, most recently KKR; in September 2025 Onex Partners agreed to acquire ISC from KKR, with the deal expected to close in 2026.
Learn more → Wholesale / E&S Property
Tapco Underwriters
Tapco Underwriters is a wholesale excess and surplus (E&S) lines managing general agency headquartered in Burlington, North Carolina, founded in 1983 and specializing in property coverage, including coastal and catastrophe-exposed homes, that standard carriers often decline. Tapco has been part of CRC Group (formerly CRC Insurance Services) since 2009; CRC Group, one of the largest wholesale insurance distributors in the U.S., has been backed by private equity firms Stone Point Capital and CD&R since 2024. Its underwriting teams and local contacts remain the same under CRC Group's platform.
Learn more → Wholesale / E&S
RPS (Risk Placement Services)
Risk Placement Services (RPS) is a wholesale insurance broker and managing general agent headquartered in Rolling Meadows, Illinois. Arthur J. Gallagher & Co. (NYSE: AJG) built RPS from scratch in 1997 as its domestic wholesale brokerage division, and it remains a wholly owned part of Gallagher today. RPS gives independent retail agents access to excess and surplus lines and other specialty markets across property, casualty, and professional lines, working with thousands of independent agencies nationwide, and is widely regarded as one of the largest wholesale insurance brokerages in the United States.
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