Frequently Asked Questions

Do I need auto insurance in Florida?

Yes. Florida requires drivers to carry Personal Injury Protection (PIP) and Property Damage Liability. Most drivers carry more than the state minimum, since minimum coverage often is not enough to cover a serious accident.

What does homeowners insurance actually cover?

A standard policy covers damage to your home and belongings from things like fire, wind, and theft, plus liability if someone is hurt on your property. Flood damage is not included in a standard policy. In Florida, flood insurance is usually a separate policy worth asking about.

How do I get a quote?

Call or text (786) 332-5602, email Insurance@insforlife.net, or visit our Miami or Davie office. We’ll ask a few questions about what you need covered and compare options from our carriers.

Do you serve Broward County, or just Miami-Dade?

Both. We have offices in Miami and Davie and serve clients across Miami-Dade and Broward County.

Do you speak Spanish?

Yes, our team works with clients in English and Spanish.

Can I bundle my auto and home insurance?

Often, yes, and bundling can lower your rate depending on the carrier. Ask us when you get your quote and we’ll check what’s available.