About Us
Real people. Real protection.
M&K Agency Inc. is an independent insurance agency headquartered in Florida City and serving families and businesses across the entire state of Florida. We are not a call center — when you call, a licensed agent who knows your name picks up.
Founded by Mikhail Kozlov, our team speaks English, Spanish, and Russian, and we believe insurance should be explained, not sold. For home insurance, we compare 15+ A-rated Florida carriers so you get the right coverage at the right price — and for every line we handle, we stay by your side at claim time, when it matters most.
- 15+ A-rated Florida home insurance carriers compared for you
- English · Español · Русский
- Rated 4.53★ from 68 verified client reviews
- Local office — real agents, not a national call center
Insurance is a promise, and we believe promises are kept by real people, not call centers. Every agent on our team is licensed, local, and personally invested in the families and businesses we protect.
That commitment doesn't stop at the office door. Our team volunteers, coaches, and shows up for local causes — because a strong community is the best protection of all.
Meet the team
Real agents. Real community.
Mikhail Kozlov
Owner & Founder
Craig Fernandes
Licensed Insurance Agent
“Helping a family get back on their feet after a claim is why I do this job.”
Shane Henry
Licensed Insurance Agent
“Insurance is about trust. I want every client to feel like they have a friend in this business.”
Elena De Oña
Licensed Insurance Agent
“I love that I can serve our Florida community in English, Spanish, and with a smile.”
Brenda Quiroz
Licensed Insurance Agent
“Every policy is a promise. I take that seriously for every single client.”
Jose Egues Chalela
Licensed Insurance Agent
“Florida families deserve an agent who actually picks up the phone. That's me.”
Emily Senise
Licensed Insurance Agent
“I love the moment a client realizes they're finally covered the right way.”
Carolina Silva
Licensed Insurance Agent — Homeowner Policies & Team Lead
“Protecting someone's home is personal to me — it's where their whole life happens.”