Independent · Bilingual · Serving All of Florida
Florida Auto, Home & Business Insurance Quotes
As an independent Miami insurance agency, we compare rates across 150+ A-rated carriers to secure the best auto, home, and business coverage for Florida residents.
Get Car Insurance Quotes in Miami
Compare real rates from multiple carriers — one short form, and a licensed agent does the shopping.
Prefer a person? A licensed agent reviews every quote. No spam, ever.
- Independent Agency — We Work for You
- 150+ A-Rated Carriers Compared
- Renewal & Claims Help After You Buy
- Personal · Commercial · Life
- Real Agents, Real Answers
What does an independent insurance agency in Florida do?
An independent agency like American US Insurance represents many insurance companies instead of just one. We compare quotes from 150+ A-rated carriers to match your home, auto, business, or health needs with the right coverage — then a licensed Florida agent stays with you for policy changes, renewals, and claims. You get choice, advocacy, and one local team.
Personal Insurance
Personal Insurance in Florida — Auto, Home & Health
From your car to your condo to your health — 22 personal lines, one agency, every quote shopped across multiple carriers.
Business Insurance
Florida Business Insurance: 50+ Lines of Coverage
50+ commercial lines from general liability to builders risk. And for transporter tags, limo fleets, dealers and trucking, we quote, bind and service the coverage every day.
Florida's Transportation Insurance Specialists
Transporter tags, dealer plates, limo & black car fleets, box trucks and semis — we quote, bind, and service the coverage transportation businesses actually need, with fast binds on most policies.
Explore Transportation Coverage →Contractors & Licensed Trades
Need a Bond for a Florida License or Contract?
Surety, contract, and license & permit bonds — often issued same day. If the county, the state, or a general contractor is asking for a bond, we handle it.
Where We Serve
An Independent Insurance Agency in Kendall, Miami
Headquartered in Kendall, serving families and businesses across every Florida city — by phone, online, or in person. Meet the licensed insurance agents in Miami who work for you, not for one carrier.
Health & ACA Marketplace
Compare Health Insurance Rates
Answer a few questions and see marketplace plans for your household — with subsidies applied. Licensed agents, at no cost to you.
- ACA marketplace & private plans
- Florida & Texas — licensed in both
Latest Florida Insurance Guides
Insurance Information →
How Much Umbrella Insurance Do I Need in Florida?
How much umbrella insurance do I need? Add up your savings, future income and risks like a teen driver or a pool, then pick a limit a lawsuit can't outrun.
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Is Umbrella Insurance Worth It in Florida?
Is umbrella insurance worth it? Weigh what an extra $1 million liability layer costs against Florida risks, from uninsured drivers to dog bites.
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Term vs. Whole Life Insurance: Which Is Better for You?
Term vs whole life insurance compared: what each costs, how cash value grows, how long coverage lasts and when converting term to whole life makes sense.
Read More →Get Started Today
Get Your Free Florida Insurance Quote
Tell us what you need to protect. A licensed agent shops it across 150+ carriers and puts real options in front of you — fast.
- No obligation, no pressure
- Renewal and claims help after you buy
- Personal, commercial & Life
Request My Free Insurance Quote
Common Questions