You’ve probably seen the headlines — agents cutting corners, pocketing premiums, and leaving clients exposed.
It’s frustrating. It’s reckless. And it’s exactly why trust and experience matter more than ever.
When Agents Betray Trust
Recent headlines have spotlighted alarming cases where insurance agents exploited their position — and left their clients paying the price:
- $220K Misappropriated: A Miami Lakes agent allegedly pocketed homeowners’ association premiums, leaving the entire community uninsured. (WPLG)
- $43K Premium Theft: One Florida agent was convicted of stealing more than $43,000 in payments and issuing fraudulent insurance certificates. (FL Department of Financial Services)
- Embezzlement Charges: In Delray Beach, an agent diverted funds intended for Citizens Property Insurance — and left homeowners thinking they were protected when they weren’t. (WPEC / CBS News)
These aren’t flukes. They’re reminders that who you trust with your policy isn’t a small decision — it’s everything.
How We Work (and Why It’s Different)
Between the two of us, we’ve spent more than 30 years helping clients protect what matters — homes, businesses, investments — and we do it with a process built on clarity, strategy, and honesty.
❌ No One-Size-Fits-All Coverage
We start by understanding your home, your risk profile, and your lifestyle. Then we ask the right questions to make sure every detail is considered — nothing cookie-cutter, nothing overlooked.
🔍 Strategy = Better Coverage and Better Price
Saving money doesn’t always come from the lowest quote — it comes from smart decisions. We show clients how things like roof type, security features, and even property location affect your premium. We’ve created guides on topics like the My Safe Florida Home program, and videos on what we’d look for in a home ourselves — because we don’t just sell policies, we help you make insurable decisions.
🧭 We Know the Market — Not Just the Rates.
We know this market inside and out — the flood zones, wind mitigation, weird underwriting rules — and we don’t just chase the lowest quote. We shop across multiple carriers and explain what works best for you, not just what’s fastest for us.
🤝 We Stick Around
This isn’t a one-time deal. We stay in touch, watch for renewal opportunities, and reach out when a policy or market shift means you could do better. We’re not just available — we’re proactive.
🗣️ We Speak Your Language
We explain coverage without the jargon. You’ll know exactly what you’re paying for, what it protects, and where your real risks are. That way, you can feel confident, not confused.
🚗 Home, Auto, and Everything in Between
Whether it’s your roof or your ride, we tailor your coverage to fit your life. We help clients understand how their vehicle use, driving history, and even garage location can affect auto rates, and how bundling smartly can save more than just time.
Real Protection Starts with Real Conversations
Buying a home? Upgrading your current one? Or just not sure if your policy still fits?
We’ll walk you through what to look for, where the risks are, and how to save smart — before you sign anything. No pressure, no fluff, just straight answers.
📞 Let’s talk. You bring the questions — we’ll bring the clarity.