● Home · Auto · Commercial — Serving all of Florida
Your family's safety
is our top priority.
Hurricane season, Miami traffic, a growing family — Florida life is unpredictable. Your coverage shouldn’t be. Real local agents, three languages, one call.
Have an agent call me →
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.
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.
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. For home insurance, we compare your current coverage against 15+ A-rated Florida carriers; for auto and other lines we make sure you have the right coverage at a competitive rate. 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).