Insurance agent for Kendall, FL: a personal agent without the drive.
Quick answer: M&K Agency serves Kendall from our office in Florida City, about 20 miles south. Most Kendall clients never need to visit. Quotes, policy reviews, changes and claim help happen by phone, WhatsApp, text and email with a licensed agent, 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
- Kendall condo and townhome owners who want to understand what the association’s master policy covers and what an HO-6 should pick up.
- Single-family homeowners reviewing a renewal, a roof question or a hurricane deductible.
- Families with several cars and teen drivers who commute on the Don Shula Expressway, the Turnpike or US-1.
- Small business owners who need general liability and want one agency for business and personal policies.
- People who are tired of call centers and want to reach the same agency every time.
Four questions we will ask you
- House, townhome or condo unit? For a condo, we will ask for the association’s insurance summary. Florida law excludes items like flooring, cabinets, countertops, appliances and water heaters inside the unit from the master policy, so those fall to you.
- What is your hurricane deductible in dollars? It is printed on your declarations page. We will ask whether you could actually pay it the week after a storm.
- How many drivers and cars, and how do you use them? Commuting, rideshare or delivery work, and who drives which car all change what you need.
- What changed since your last renewal? It might be a new roof, a renovation, a new driver, a home business or a refinance. Changes like these can affect coverage, and we would rather hear about them before a claim than after.
What is not covered (honest limits)
- Flood is not covered by standard homeowners or condo policies. It needs its own policy.
- The master policy is not your policy. It does not cover your belongings or your personal liability, and it excludes the unit items listed above.
- State-minimum auto ($10,000 PIP and $10,000 property damage liability) does not pay for injuries you cause to others.
- Remote service has limits. If you need to sign or hand over documents in person, our office is in Florida City. We will tell you up front when that is the case.
- All coverage is subject to underwriting and the terms of the policy.
Talk to a licensed agent
Call (305) 859-3953, or leave your number and we’ll contact you within an hour during business hours. WhatsApp: (971) 998-7313. The office is at 33550 S Dixie Hwy, Suite 102, Florida City, FL 33034, open Monday to Friday 9 to 6, with Saturdays by appointment.
33550 S Dixie Hwy, Suite 102
Florida City, FL 33034
English · Español · По-русски
Insurance agent for Kendall: FAQ
Why use an agency 20 miles away?
Because most of the work happens by phone and message anyway. What matters is reaching a licensed person who knows your file. If you prefer to meet, you are welcome at our Florida City office.
Do you have an office in Kendall?
No. We serve Kendall from Florida City. The drive is roughly 26 to 30 minutes in light traffic and longer at rush hour.
Does my condo association’s policy cover my unit?
Only partly. Florida law requires the master policy to cover the building as originally built, but it excludes your belongings and many items inside your unit. An HO-6 policy is designed for those, subject to its terms.
Can you review my current home and auto policies together?
Yes, at no charge. Send both declarations pages and we will walk you through the gaps we see.
Can you help me in Spanish or Russian?
Yes. Jose Chalela, Carolina Silva and Elena De Oña (home insurance) help in Spanish, and Mikhail (Mike) Kozlov helps in Russian. Tell us your preferred language when you call or request a callback. Policy documents are issued in English; we explain them in your language.
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.