Florida insurance from a local independent agency

Florida's insurance market is unlike any other in the country, and navigating it well is exactly where an independent agency earns its keep. Hurricane wind, storm surge, flooding, and years of litigation and reinsurance pressure have made Florida one of the most expensive and volatile markets in the nation. Carriers enter and exit, rates move sharply, and coverage that seems standard elsewhere — like affordable homeowners insurance — requires real expertise here. Serving Florida statewide, Maru helps you find stable coverage, capture the mitigation credits that lower your premium, and coordinate the separate wind and flood policies Florida properties often need.

Florida home insurance

Florida homeowners policies typically carry a separate percentage-based hurricane deductible and exclude flood entirely — storm surge and rising water require a separate flood policy. A wind mitigation inspection can unlock significant premium credits for features like hurricane straps, impact windows, and a newer roof. If you've been non-renewed or hit with a steep increase, we can re-shop your coverage across multiple carriers, including options for coastal and higher-risk homes. See our home insurance and flood insurance guides.

Florida auto insurance

Florida is a no-fault state requiring Personal Injury Protection (PIP), and it's among the most expensive states for auto insurance due to traffic, litigation, and uninsured drivers. Because so many Florida motorists carry only PIP and property damage, we strongly recommend adding bodily injury and uninsured-motorist coverage. Read our auto insurance guide.

Florida condo insurance

Florida's large condo market has been reshaped by structural-reserve reforms that have increased dues and special assessments. Robust loss-assessment coverage on your HO-6 is more important here than almost anywhere. See our condo insurance guide.

Florida business insurance

Florida requires workers' compensation with one employee for construction businesses and four or more for most others, and business property carries the same hurricane and flood considerations as homes. Explore business insurance.

Cities we serve across Florida

We write coverage statewide. Follow any linked city below for a dedicated local guide, or call and we'll take care of you wherever you are:

Counties we serve

Don't see your town? We cover every city and county in Florida. Call or request a quote and we'll take care of you.