Insurance agent for Homestead, FL, five minutes down US-1.
Quick answer: M&K Agency serves Homestead from our Florida City office at 33550 S Dixie Hwy, Suite 102, about 1.5 miles south of Homestead City Hall. Licensed agents help with home, condo, auto and life insurance and general liability for small businesses, and answer flood questions, in English, Spanish or Russian. Call (305) 859-3953, or leave your number and we’ll contact you within an hour during business hours.
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Who this page is for
- Homestead homeowners, including people in houses rebuilt or built after Hurricane Andrew, who want someone to explain their hurricane deductible and roof questions.
- Commuters who drive the Turnpike or US-1 to Cutler Bay, Kendall or Miami every day.
- Condo and townhome owners who need to know where the association’s policy stops.
- Small businesses and contractors in Homestead and the Redland that need general liability coverage.
- Renters who want their belongings and liability covered.
We don’t have an office inside Homestead. Our Florida City office is just past the city line, usually around five minutes from downtown in light traffic.
Four questions we will ask you
- When was the home built, and how old is the roof? Insurers ask about both, and the answers affect eligibility and terms. A wind mitigation inspection report can help document the home’s features.
- What flood zone are you in, and do you have a flood policy? A standard homeowners policy generally does not cover flood. If your home is insured with Citizens Property Insurance, flood coverage may be a condition of renewal.
- Who drives, and how far? Long daily commutes and teen drivers change what limits make sense, especially bodily injury and uninsured motorist coverage.
- Do you run a business from home or use your truck for work? Personal policies often exclude business activity unless the right coverage is added.
What is not covered (honest limits)
- Flood is excluded from standard homeowners and condo policies. It needs a separate policy.
- Hurricane deductibles are paid out of pocket before the policy pays. They are often a percentage of the dwelling limit, so a 2% deductible on a $300,000 dwelling limit is $6,000.
- Cars damaged by flood water or a falling tree are covered only if the auto policy includes comprehensive coverage.
- Everything is subject to underwriting. We can’t promise that a specific insurer will accept a particular home, roof or driving record.
Talk to a licensed agent
Call (305) 859-3953, or leave your number and we’ll contact you within an hour during business hours. Our office is at 33550 S Dixie Hwy, Suite 102, Florida City, FL 33034, open Monday to Friday 9 to 6, with Saturdays by appointment. WhatsApp: (971) 998-7313.
We speak English, Spanish and Russian. Jose Chalela, Carolina Silva and Elena De Oña (home insurance) help in Spanish, and Mikhail (Mike) Kozlov helps in Russian. Policy documents are issued in English; we explain them in your language.
33550 S Dixie Hwy, Suite 102
Florida City, FL 33034
English · Español · По-русски
Insurance agent for Homestead: FAQ
Do you have an office in Homestead?
No. We serve Homestead from Florida City, about 1.5 miles south of Homestead City Hall on US-1. Most questions can also be handled by phone, WhatsApp, text or email.
My insurer sent a nonrenewal notice. Can you help?
Yes. Send us the notice and your current declarations page. We will look at what options may be available before your policy ends, subject to underwriting. If you end up with Citizens Property Insurance, we will explain its flood requirement.
Does homeowners insurance in Homestead cover flooding?
Generally, no. Flood is a separate policy. Ask us early, because flood policies often have a waiting period before coverage starts.
Can you handle my car and home at the same office?
Yes. One agency can look after your home, auto, condo and life policies and your business liability, so you have one place to call when something changes.
Do you help when I have a claim?
Yes. We help you report it, explain the next steps and follow up. The insurer adjusts the claim and decides coverage under your policy.
Related pages
Questions about your coverage?
Call us, or leave your number and we’ll contact you within an hour during business hours.
Have an agent call meCall (305) 859-3953
📄 Send us your policy – we'll check your coverage
A photo of the first page (declarations page) is enough.
This article is general information, not legal advice or policy language. Coverage depends on the terms, limits and exclusions of your policy, and eligibility rules can change. Talk with a licensed agent about your situation.
Sources
Facts on this page were checked against these sources on October 3, 2026.
Areas we serve
We serve South Florida from our Florida City office, in person and by phone, WhatsApp, text and email.