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🌴 South Florida's Independent Insurance Experts

Protect Your South Florida Home the Right Way

Hurricane coverage, flood insurance, windstorm protection — we shop 20+ carriers to find you the best rate. Miami-Dade, Broward & Palm Beach.

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20+ top-rated carriers
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Free quotes, no obligation
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Licensed FL agents
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Bilingual EN / ES
💬 Get Your Free Quote Now
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Sol · Suntrust Insurance
● Online · Free quotes · EN / ES
20+
Insurance Carriers
$4K
Avg. FL Home Premium
25%
Bundle Savings
24/7
AI Quote Assistant
Why choose us

We Work For You, Not the Insurance Company

Unlike State Farm or Allstate who sell you one product, we're independent — we shop the market to find you the best coverage at the best price.

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Independent Agency

We represent 20+ top-rated carriers so we can compare rates and find the right fit for your home, not just sell you what one company offers.

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Local South FL Experts

We know flood zones, hurricane deductibles, HOA requirements, and Citizens Insurance alternatives because South Florida is our backyard.

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Fast, Personal Service

Get a quote from Sol right now, 24/7. A licensed agent will follow up within one business hour to confirm details and finalize your coverage.

What we cover

Full Coverage for the South Florida Lifestyle

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Homeowners
Hurricane, windstorm, flood, liability, and personal property for houses and condos.
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Auto
Full coverage, PIP, liability, and SR-22 for South Florida drivers.
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Commercial
General liability, property, and workers comp for South Florida businesses.
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Life
Term, whole, and IUL policies to protect your family's future.

South Florida Insurance Is Different. You Need a Local Expert.

Florida has some of the highest home insurance costs in the country. Knowing what you actually need — and what you don't — can save you thousands.

Talk to Sol Now — It's Free
Hurricane deductibles are separate from your regular deductible — typically 2–5% of your home's value in coastal zones.
Flood insurance is NOT included in your homeowners policy. If you're in a flood zone, you need a separate policy.
Citizens Insurance is Florida's insurer of last resort — private market carriers are often cheaper and better right now.
Bundling home and auto with one carrier typically saves 15–25% on both policies.
16 new carriers entered Florida in 2026 — more competition means more options and better rates than ever.

Ready to Protect Your Home?

Chat with Sol now for a free quote, or visit our main site to learn more about all our coverage options.

💬 Get a Free Quote with Sol 🌐 Visit Suntrust-Insurance.com