The first hour
Make it safe, make it stop
- People first — property waits
- Stop the water / cover the hole
- Photos of everything, from doorway in
- Call us — a human answers, 24/7
Independent agency on the Gulf Coast since 1987
Coverage thatreads likeplain English.
Home, auto and business insurance for the Gulf Coast — compared across 32 carriers, explained by people, and priced in minutes.
- 32carriers compared
- 4.9★client rating
- 6,400families covered
- 38years on the coast
What are we protecting?
$118 – $164 /mo
Home · Standard · Tampa — across 32 carriers
Quote request received
In the real build this reaches the agency inbox and CRM. This demo keeps everything on your screen.
Illustrative ranges only — this is a fictional agency demo. Nothing is sent anywhere.
Gulfstream MutualHarbor NationalPalmetto P&CSuncoast AssuranceMeridian ReBayside UnderwritersCoral ShieldLighthouse LifeTradewind SpecialtyOsprey StandardKeystone CoastalDelta Marine & Home
Three tiers. No fine-print traps.
Every line below is written the way we would explain it across a kitchen table — the legal wording arrives with the policy, not instead of an answer.
| Coverage | Essentialfrom $89/mo | Standardfrom $124/mo | Completefrom $172/mo |
|---|---|---|---|
| Rebuild your homeif the worst happens, we rebuild — at today’s prices | |||
| Everything inside itfurniture, electronics, the stuff of life | |||
| Wind & named stormshurricane season, handled properly | — | ||
| Water backup & sudden leaksthe claim people actually file | — | ||
| Somewhere to stay meanwhilehotel and meals while repairs happen | — | 14 days | Until done |
| Umbrella liabilityan extra million of “just in case” | — | — |
Point at the house. We’ll explain.
Tap a pin to see what that part of your home means to a policy — and which tier covers it.
The roof over everything
Wind lift, dropped branches, hail — roof claims are the most common on the coast. We write replacement cost, not depreciated value, so a 12-year-old roof is not a 12-year-old payout.
Covered from: EssentialWindows & openings
Broken glass is simple. What matters is what follows it — wind-driven rain is only covered when the policy says so. Ours says so, in writing, from Standard up.
Covered from: StandardEverything you own inside
Furniture, laptops, the good headphones, the bad couch. Contents coverage travels with you too — a laptop stolen from your car is a home claim, which surprises almost everyone.
Covered from: EssentialNamed storms
Hurricane deductibles work differently — they are a percentage, not a number. We make sure you know yours before the season does. Wind and named-storm cover comes in at Standard.
Covered from: StandardThe ground it stands on
Flood is never in a home policy — anyone’s. It is a separate policy we quote alongside, through the NFIP and private markets, so the gap never surprises you.
Separate policy — we quote it tooThe first hour, day and week — handled.
A claim is a bad day. The playbook below is what our clients follow — with an agent on the phone, not a portal.
The first day
Paper the damage
- We file with the carrier for you
- Emergency mitigation gets authorized
- Hotel & meals kick in if you’re displaced
- You get one number to call — ours
The first week
Move toward whole
- Adjuster walk-through, with us present
- Scope & estimate reviewed line by line
- Contractor scheduling begins
- We chase the carrier so you don’t
Licensed people, not a call tree.
Three agents, one office on the water, and a promise: the person who quotes you is the person who answers when it matters.
MR
Marisol Rivera
Principal Agent · Home & Flood
FL LIC W081-DEMO
DK
Daniel Kwon
Agent · Auto & Umbrella
FL LIC W114-DEMO
TB
Tessa Brandt
Agent · Business & Marine
FL LIC W203-DEMO
Asked at every kitchen table.
Four questions we answer most, straight.
Why an independent agency instead of a big brand?
A captive agent can only sell you their company. We compare 32 carriers and get paid roughly the same whichever one wins — so the recommendation is about fit, not quota.
Is flood really not included?
Correct — in any home policy, from anyone. It’s a separate policy we quote alongside every home quote, because on the Gulf Coast pretending otherwise is malpractice.
What happens to my rate after a claim?
It depends on the carrier and the claim — which is exactly why an independent agent matters. If your carrier re-rates you hard, we re-shop the other 31.
Can you take over my existing policies mid-term?
Yes. An agent-of-record change usually costs nothing and moves your service to us without changing your coverage or price until renewal.
Fifteen minutes. Thirty-two carriers. One straight answer.
200 Bayfront Ave, Tampa · Mon–Fri 8:30–5:30 · (813) 555-0192