● Home · Auto · Commercial — Serving all of Florida
Protect what you’ve built
before you need to.
Your home, your car, your business, your kids’ future. We look at the whole picture and show you exactly where you’re exposed.
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WHERE YOU'RE EXPOSED
Where your current policy leaves you exposed
The gaps most Florida policies quietly leave behind — and how we close them.
The other driver's minimum policy won't rebuild your life.
Your association master policy stops at your front door.
One lawsuit or one closed month can undo years of work.
If your income stopped tomorrow, what would your family stand on?
Illustrative example scenarios — actual coverage and outcomes vary by policy and carrier.
Today’s articleFlorida insurance news
Florida insurance news, Oct. 27, 2026: King tides reach the year’s predicted peak after Monday’s flooding, the state approves auto rate decreases for nearly half a million policies, and liability costs rise for apartment and duplex owners
King tides peak Tuesday under a Coastal Flood Warning through Wednesday, OIR approves auto rate decreases for 498,000+ policies, and multifamily liability trends.
Meet your agent
Hi, I'm Mikhail Kozlov.
For years, my family and I have protected families and businesses across Florida. Insurance is about people, not policies — when you call, you reach me and my team, in English, Spanish, or Russian.
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Areas we serve
We serve these Miami-Dade and Broward communities from our Florida City office, in person by appointment and by phone, WhatsApp, text and email.
Questions families ask us
How much does it cost to talk to an agent?
Nothing. A conversation with a licensed agent is always free, with no obligation to buy anything. It usually takes about 5 minutes.
What should I do right after an accident?
Call us first — even before you call the other driver's insurance. We'll walk you through exactly what to do and help file the claim with you, step by step.
Will you actually help me with my claim, or just sell me the policy and disappear?
We stay with you through the entire claim. That's the whole point of working with a real local agent instead of a call center — if a claim gets stuck, we personally follow up with the carrier for you.
My English isn't very strong — is that a problem?
Not at all. Our team speaks English, Spanish, and Russian, and we're happy to explain everything in whichever language is easiest for you.
Do I have to cancel my current policy just to talk to you?
No. We'll review your current coverage with you and explain your options — for home, auto, and every other line we handle. We only recommend a change if it genuinely helps you.
How quickly will someone actually call me back?
Most requests get a callback the same business day, often within the hour during office hours (Mon–Fri 9am–6pm ET).