Licensed Insurance Agents in Miami Who Work for You

Decades of experience, 150+ A-rated carriers and bilingual licensed agents in Kendall: an independent agency that works for you and fights to find Florida's most competitive rates.

Get A Free Quote → Call (800) 868-9170

A couple and a business owner walk toward a modern South Florida insurance office with palm trees and a parked car out front.

Why work with an independent insurance agent in Miami?

An independent insurance agent in Miami is licensed with many insurance companies instead of one, so a single call compares policies from several carriers and finds the one that fits. American US Insurance's licensed agents in Kendall shop auto, home, flood, health, life and business coverage across 150+ A-rated carriers, then stay with you for changes, renewals and claims.

Independent vs. Captive Insurance Agents

Most people buy insurance through one of two kinds of agents. A captive agent works for a single insurance company and can only sell its policies. An independent agent holds appointments with many companies and compares them for you. That difference shows up at your first quote and again at every renewal.

Independent agent

Appointed with many insurance companies
Compares price and coverage side by side
Can move your policy at renewal
Works for you, the client

Captive agent

Represents one insurance company
Quotes only that company's policies
Cannot shop your renewal elsewhere
Works for the carrier

American US Insurance is independent and family-owned. Our agents quote auto, home, flood, health, life and business coverage with 150+ A-rated carriers, so the comparison happens before you buy, not after a rate hike.

150+A-rated carriers

4State licenses

DecadesOf experience

BilingualLicensed agents

What We Insure Across Florida

We quote personal insurance like auto, home, flood, health and life, and business insurance from general liability and workers' compensation to commercial auto and trucking. Pick a line to see what it covers and start a quote.

Auto Insurance Home Insurance Flood Insurance Obamacare / ACA Commercial Auto Workers Comp

Licensed Insurance Agency in Four States

Florida is home, and the agency also holds licenses in Georgia, North Carolina and Texas. Each license can be checked with that state's insurance regulator.

Florida: License L103978
Georgia: License 3846985
North Carolina: License 17274212
Texas: License 2449098

American US Insurance is a proud member of FAIA, Trusted Choice® and LAAIA.

Insurance Agents Serving Miami-Dade and All of Florida

Our office is at 12150 SW 128th Ct, Suite 202, in Kendall, open Monday through Saturday. Clients in Miami, Hialeah, Doral, Homestead, Fort Lauderdale, Orlando and Jacksonville work with the same licensed team by phone at (800) 868-9170. See every area we serve or visit our office.

Who is American US Insurance?

American US Insurance is a family-owned independent insurance agency headquartered in Kendall, Miami, with decades of experience and licenses in Florida, Georgia, North Carolina and Texas. Its bilingual licensed agents compare 150+ A-rated carriers for individuals, families and businesses, and stay on as your agent for changes, renewals and claims.

Get a Free Quote From an Independent Agent

Tell us what you need to insure and we'll price it with 150+ A-rated carriers. Free quote, no obligation.

First name Last name

Phone Email address

What do you need to insure?

Tell us more — vehicles, property, drivers, current coverage…

By checking this box, I agree to receive automated text messages from American US Insurance regarding insurance quotes, policy updates, and customer service at the phone number provided. I understand that consent is not a condition to purchase any goods or services. Message frequency varies. Message and data rates may apply. Reply STOP to cancel and HELP for help. View our Terms of Service and SMS Privacy Policy.

Common Questions

Independent Insurance Agent Questions

What exactly is an independent insurance agent?

An independent insurance agent is a licensed professional appointed with several insurance companies at once. Instead of selling one brand, the agent compares coverage and price across carriers and recommends the right fit. If your premium jumps at renewal, an independent agent can shop it again without you starting over.

What does an insurance agent do for you?

An insurance agent explains your options, gathers the details carriers need, quotes the coverage and binds the policy once you choose. After the sale, the agent handles changes like adding a driver, issues certificates of insurance and helps you start a claim. Florida requires every agent who sells insurance to hold a state license.

What is the difference between an insurance broker and an agent?

In everyday use, a broker represents the buyer, while an agent represents insurance companies through formal appointments. An independent agent sits between the two: appointed with many carriers, but shopping them on your behalf. In Florida, the people who sell most home, auto and business policies are licensed agents.

Do independent insurance agents charge a fee?

Usually not for standard personal and business policies. Independent agents are typically paid a commission by the carrier that writes the policy, and it is built into the premium you would pay anyway. Some specialty and surplus lines policies add a separate fee, which is listed on the quote. Quotes from American US Insurance are free.

Can I buy insurance without an insurance agent?

Yes. Many carriers sell directly online or by phone, and captive agents sell only their own company's policies. Buying direct means you compare companies yourself, one quote at a time, and you handle changes and claims on your own. An independent agent compares several carriers in one conversation at no extra cost and stays on your side after you buy.

What should you look for in an insurance agent?

Start with a valid license: the Florida Department of Financial Services lets you look up any agent by name or license number. Then ask how many carriers the agent can quote, who answers your claim questions after the sale and whether the same office handles your renewal. A good agent explains your limits and deductibles before you buy, not after a loss.

Is American US Insurance an independent insurance agency?

Yes. American US Insurance is an independent agency based in Kendall, Miami, appointed with 150+ A-rated carriers. Because no single insurer owns us, our agents compare companies for each client and can move a policy at renewal when another carrier is a better fit.

Which states is American US Insurance licensed in?

Florida, Georgia, North Carolina and Texas. Most clients live or do business in Florida, from Miami-Dade and Broward to Orlando and Jacksonville, and every policy is handled by the same licensed team at our Kendall office.

Customer Support Contact Locations