Personal Insurance · Florida

Personal Insurance in Florida — Auto, Home, Health & More

Your car, your home, your health and your family, with 22 personal lines under one roof. We are an independent Miami insurance agency serving all of Florida, comparing 150+ A-rated carriers.

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What does personal insurance cover in Florida?

Personal insurance protects what you own and who you love — your car (auto), your home or condo (property, wind, and flood), your health (ACA marketplace and private plans), and your family's future (life, disability, and income protection). In Florida, most families combine several policies; an independent agency compares each one across multiple carriers so every piece is priced right.

Vehicle Insurance in Florida

Auto InsuranceGet quoted with multiple carriers

MotorcycleCruisers, sport bikes & scooters

Boat & WatercraftHull, liability & Florida waters

RV & Motor HomeMotorhomes, campers & trailers

Collector CarAgreed value for classics

SR-22 InsuranceSame-day filings with the state

Home & Property Insurance in Florida

Home InsuranceWind mitigation credits & roof-age help

Condo InsuranceHO-6 built for Florida associations

Flood InsuranceNFIP & private flood markets

Landlord InsuranceRental property & tenant liability

Renters InsuranceContents & liability from pennies a day

Mobile HomeManufactured & mobile homes statewide

Health, Dental & Vision Insurance

Health InsuranceACA marketplace & private plans

Obamacare / ACASubsidy-eligible marketplace enrollment

Dental InsuranceIndividual & family dental plans

Disability InsuranceIncome protection if you can't work

Vision InsuranceIndividual & family vision plans

Life Insurance & Income Protection

Life InsuranceTerm & whole life, no exams available

Personal UmbrellaExtra liability above your policies

Travel InsuranceTrip, medical & cancellation cover

Wedding InsuranceBig-day liability & cancellation

Mortgage ProtectionPay off the house if you're gone

Living BenefitsLife insurance you can use while alive

150+

A-Rated Carriers

Personal Lines

States Licensed

Fast

Accurate Quotes

Why Florida Families Choose an Independent Agency

One-Company Agent

One carrier, one price — take it or leave it
Rate jumps at renewal? Nothing they can do
Their quota, their products
Call center service

American US Insurance — Independent

150+ A-rated carriers compete for you
Renewal jumps? We re-shop it
Your needs pick the product
A local agent who knows your name

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Where can I compare personal insurance quotes in Miami?

At American US Insurance's Kendall office, by phone or online, where licensed agents compare auto, home, flood, health and life coverage with 150+ A-rated carriers. One agent can review your whole household, pair the strongest carriers for each policy and keep every renewal on one calendar.

Free Personal Insurance Quotes

Get Your Free Personal Insurance Quote

Tell us what you're protecting. A licensed agent compares 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

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Common Questions

Personal Insurance Questions, Answered

Can I bundle my auto and home insurance in Florida?

Usually yes, and it's often where the biggest savings hide — but not always with the same carrier. Because we're independent, we can pair the strongest auto carrier with the strongest home carrier for your situation, or bundle with one company when that genuinely wins. We run it both ways and show you.

What insurance does Florida require by law?

Florida requires auto liability coverage (PIP and property damage) to register a vehicle, and lenders require homeowners and often flood insurance on mortgaged homes. Health coverage isn't mandated, but going uninsured risks far more. An agent gives you a free, fast and accurate answer on what your situation legally requires.

How fast can I get proof of insurance in Florida?

Same day on most personal lines. Auto quotes start online or by phone, and once you bind, ID cards and proof of coverage are issued immediately — including SR-22 filings with the state when you need them.

Do you handle claims, or am I on my own with the carrier?

You're never on your own. You can file directly with your carrier 24/7, and our local team stays involved — translating adjuster-speak, pushing on slow claims, and making sure your coverage does what it promised. That's the point of having an agency instead of an app.

What is personal liability insurance, and do I need it?

It pays when you are legally responsible for someone else's injury or property damage, such as a guest who falls at your home, and covers your legal defense. Homeowners, condo and renters policies include it, auto policies carry their own liability and a personal umbrella adds a higher layer on top.

Does home insurance cover my belongings in Florida?

Your belongings, such as furniture, electronics and clothing, against covered losses like fire, theft and windstorm, under Coverage C of a home, condo or renters policy. Flood damage needs a separate flood policy. Our personal property calculator helps you size the limit.

Can one agent handle my car, home and life insurance?

Yes. American US Insurance writes 22 personal lines, so one licensed agent can quote your car, home or condo, flood, health and life coverage, compare each with the carriers that want it and handle changes and renewals for the whole household.

Do you write personal insurance outside Miami-Dade?

Yes. The agency is licensed across Florida and serves Broward, Orlando, Tampa, Jacksonville and every other county by phone and online, with the same agents who work at the Kendall office. Policies, ID cards and certificates arrive electronically.