✦ In God We Trust · We build our future together ✦
Call 24/7 · (305) 859-3953
Home · Auto · Commercial — Florida City, FL

Accidents happen. Don't gamble with your financial success.

M&K Agency protects your home, your car, and your business. Local, bilingual, real people who answer — and we're here when you need us most.

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Mikhail Kozlov
★★★★★ Mikhail Kozlov
Rated 5.0 on Google & Yelp · 334+ reviews

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✦ We compare 15+ A-rated Florida carriers for home, auto & commercial — so you don't have to.
What we protect

One trusted agency for everything you've built

Home

Florida homes need coverage that holds up when storms hit. We find protection that actually pays when it counts.

Protect my home →

Auto

The right auto coverage at an honest price — explained clearly, with no surprises when you need to file.

Cover my car →

Commercial

From liability to property, we protect the business you've built — so one bad day doesn't undo years of work.

Protect my business →
Be ready, not sorry

Accidents happen. We're here to protect you.

A hurricane, a crash, a flood — one bad day shouldn't cost you everything you've built. Be covered before it happens, and supported after.

Hurricane & storm damage📸 Drop a real storm-damage photo here (free: Unsplash "hurricane damage florida")
Auto accidents📸 Drop a real fender-bender photo here (free: Pexels "minor car accident")
Get protected today →
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families & businesses protected
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5-star reviews
Google  
★★★★★ 5.0Google Reviews
Yelp  
★★★★★ 5.0Verified reviews
334+happy neighbors served
Watch · 60 seconds

When something happens, we're already with you.

Meet Mikhail and the team who'll be on the phone when it counts.

Meet Mikhail
"When the storm hit, M&K had my claim moving the same day."
A real story from a Florida family
If it ever happens

When something goes wrong — call us first

A crash, a storm, a break-in. Stay calm. We walk you through every step, live, in your language.

1

Make sure everyone's safe

People first. Get to safety, check on everyone, and don't worry about the rest yet.

2

Call M&K first

One number, a real person — English or Spanish. We guide you live so you don't have to think.

3

Capture the details

Photos of the damage and the key information. We tell you exactly what to grab.

4

We handle the claim

We open it, manage it, and follow it to the end. You're never left figuring it out alone.

We're always nearby — call us 24/7.

Mikhail Kozlov, Founder of M&K Agency
★★★★★ Mikhail Kozlov · Serving all of Florida
Meet your agent

Hi, I'm Mikhail Kozlov.

For years, my family and I have protected families and businesses across all of Florida. I built M&K on a simple belief: insurance is about people, not policies. When you call, you reach me and my team — real people who answer, in English or Spanish.

✦ In God We Trust · We build our future together
📞 Talk to Mikhail · (305) 859-3953💬 Chat directly to us
— Mikhail Kozlov, Founder
Why M&K

Help that goes beyond the policy

We compare for you

Many A-rated carriers, one conversation. We find the coverage that fits — at the best honest price.

We speak your language

English or español — a real local agent who explains everything clearly, no jargon, no rush.

We've got your back

Before, during, and after a claim. You'll never wonder what to do — you'll just call us.

Neighbors trust us

Real people, real help

★★★★★

"When a pipe burst, Mikhail's team had my claim moving the same day. They treat you like family."

Robert & Carmen V. Tampa, FL · Homeowners
★★★★★

"Switched my shop's commercial policy and saved real money — and finally understood what I'm covered for."

Esteban M. Orlando, FL · Business owner
★★★★★

"They explained everything in Spanish and bundled my home and auto. Honest, patient people."

Gloria S. Miami, FL

Don't play with your future. Let's protect it — together.

Get your free quote or call Mikhail's team 24/7.

Get my free quote 📞 Call (305) 859-3953