Local Florida insurance coverage that fits your business needs, with a team that knows your name.
Home, flood, and wind insurance across Florida
Near Me Insurance has protected Florida households since [year_established] from our office in Oviedo. Insuring a home here takes more work than in most states. Wind and hurricane exposure shape which carriers will offer a policy, flood is always a separate purchase, and a roof's age can matter as much as the home's location. We shop multiple carriers, explain your choices in plain English or Spanish, and revisit your coverage each year as the market changes.
How Florida carriers look at a home
Every Florida home is underwritten on its own details: the age and material of the roof, updates to the electrical, plumbing, and HVAC systems, and how close the property sits to the coast. Older homes typically need a four-point inspection. If private carriers decline, Citizens Property Insurance Corporation is the state-backed insurer of last resort. We compare Citizens with private options and help you return to the private market when that makes sense. We also insure condos, rental properties, renters, and high-value homes.
Hurricane deductibles and wind mitigation
Florida home policies carry a separate hurricane deductible, usually set as a percentage of the dwelling limit rather than a flat dollar amount, and it applies once per calendar year. A wind mitigation inspection records features such as roof shape, roof-to-wall connections, and impact windows or shutters, and can earn meaningful premium credits. We help you weigh deductible against premium and confirm that every credit you qualify for shows up on the policy.
Flood insurance
Standard homeowners policies exclude flood, and recent storms have flooded inland neighborhoods far from any beach. We quote both NFIP and private flood policies. NFIP coverage generally has a 30-day waiting period, so it should be in place well before storm season. Citizens is also phasing in a requirement that its policyholders carry flood coverage.
Auto, boat, and business coverage
We round out your protection with auto, boat, golf cart, and umbrella coverage. For business owners, we also write business insurance, from business owners policies to commercial property.
Where we work in Florida
From Oviedo, we serve Central Florida communities including Oviedo, Winter Springs, Winter Park, Maitland, Orlando, Lake Nona, Windermere, Kissimmee, and Deltona. On the Gulf Coast, we work with clients in Tampa, Clearwater, Clearwater Beach, St. Petersburg, Bradenton, Sarasota, Fort Myers, and Naples. Along the Atlantic coast, we serve Jacksonville, St. Augustine, Daytona Beach, Port Orange, Cocoa Beach, Sebastian, Port St. Lucie, and Stuart. In South Florida, we cover West Palm Beach, Boynton Beach, Delray Beach, Boca Raton, Coral Springs, Fort Lauderdale, Aventura, Miami Beach, Miami, and Coral Gables, along with communities across the rest of the state.
The numbers behind our protection.
In more ways than one, insurance is a numbers game. Near Me Insurance has the experience and expertise to properly protect your business for years to come.
Years experience insuring businesses owners in FL & CO.
Customer satisfaction with all five star google reviews.
Policies written for Florida families & business owners.
Don't take our word for it. Takes theirs.
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I had a wonderful experience speaking with Nadine from Allstate over the phone. She was extremely helpful, patient, professional, and kind throughout the entire conversation. Nadine took the time to answer my questions clearly and made … More sure I understood everything without making me feel rushed.Her customer service was outstanding, and she truly made the process much easier and less stressful. It is rare to speak with someone who is not only knowledgeable, but also genuinely caring and willing to help. Nadine represented Allstate in the best possible way, and I really appreciate the assistance she provided.Thank you, Nadine, for your excellent service and support. You deserve recognition for going above and beyond! -
Mai at Salmon Agency is fantastic to work with! She is knowledgeable, responsive, and truly takes the time to understand her clients’ needs before recommending the right insurance coverage. She makes what can often feel like a complicated … More process simple and stress-free, and her professionalism and attention to detail are second to none. It’s clear that Mai genuinely cares about protecting her clients and providing exceptional service. I highly recommend Mai and the Salmon Agency to anyone looking for an insurance professional they can trust.
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My home has been insured with allstate since October 1997 . I have had the best service with them for almost 30 years.Someone will call and check on you throughout the years to make sure you are covered in the event of an incident and … More will make the necessary adjustments without a high cost.Their customers service is the best and responds quickly to any request.Thank you for keeping me in good hands!
Providing insurance strategies for business owners in Florida.
- Aventura, Florida
- Boca Raton, Florida
- Boynton Beach, Florida
- Bradenton, Florida
- Clearwater Beach, Florida
- Clearwater, Florida
- Cocoa Beach, Florida
- Coral Gables, Florida
- Coral Springs, Florida
- Daytona Beach, Florida
- Delray Beach, Florida
- Deltona, Florida
- Fort Lauderdale, Florida
- Fort Myers, Florida
- Jacksonville, Florida
- Kissimmee, Florida
- Lake Nona, Florida
- Maitland, Florida
- Miami Beach, Florida
- Miami, Florida
- Naples, Florida
- Orlando, Florida
- Oviedo, Florida
- Port Orange, Florida
- Port St. Lucie, Florida
- Sarasota, Florida
- Sebastian, Florida
- St. Augustine, Florida
- St. Petersburg, Florida
- Stuart, Florida
- Tampa, Florida
- West Palm Beach, Florida
- Windermere, Florida
- Winter Park, Florida
- Winter Springs, Florida
…and all other cities, towns, and neighborhoods throughout Florida.
We believe in providing top-notch insurance products and services to our clients, and that requires working with the best financial institutions available.
Most people collect insurance one piece at a time: a general liability policy here, an auto policy there, a business policy from someone else. We take a more holistic approach. Because we write a full book of coverage across your entire commercial insurance needs, we can look at the whole picture, see where things overlap or leave gaps, and help it all work together.
For your business life and employees, that means your business operations, your property, your employees, your vehicles, and the umbrella coverage that ties them together, along with specialty needs. For Florida business property owners, it also means real guidance on earthquake and wildfire exposure, the FAIR Plan, and the difficult market many of us are navigating.
We don’t just write policies.
Near Me Insurance was built on a simple idea: shopping for insurance should be as easy as shopping for anything else online.
For years, finding the right policy meant calling around, repeating the same information to one company after another, and hoping you landed on a fair price. We built a better way. Our platform lets you enter your information once and compare home and auto quotes from multiple top carriers, side by side, in minutes.
We don't push one company over another. We show you your options clearly, with coverage and price laid out in plain terms, so you can decide what fits your life and your budget. There's no pressure and no obligation, and you can shop on your own schedule.
Whether you're buying your first policy, insuring a new home, or checking whether you're still getting a good rate, Near Me Insurance puts the choice in your hands.
"Near Me Insurance exists to protect your family or business through proactive, strategic insurance planning, not just annual renewals."
Since 1999, we’ve dedicated ourselves to protecting families & businesses with personalized insurance solutions built on honesty, education, and care.
Near Me Insurance
Your trusted insurance advisor in Florida providing insurance solutions for all types of businesses.
Insurance services offered by Near Me Insurance.
