FLORIDA WE INSURE AGENCY

Your Trusted Florida Independent Insurance Agency for Home, Auto, and Business Protection

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Your One-Stop Insurance Solution for Home, Auto, Business & More

Your Independent Insurance Agency Serving All of Florida

At FLORIDA WE INSURE AGENCY, we know every Floridian’s needs are unique and so are their risks. Whether you own a home by the coast, drive daily across the state, or run a business from Jacksonville on the East Coast to Tampa, Sarasota on the West Coast, or Miami in South Florida, we shop 30+ top‑rated carriers to deliver protection tailored to your life or business.

Our Insurance Coverages Built for Florida

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Homeowners Insurance

Get tailored Florida homeowners insurance that covers hurricanes, floods, fires, theft, and more.

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Auto Insurance

From basic liability to full coverage, we help you find the best auto insurance rates anywhere in Florida.

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Hurricane, Flood & Wind Coverage

Specialized storm coverage including flood insurance, windstorm policies, and hurricane protection for Florida homeowners.

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Recreational Insurance

Coverage for boats, RVs, motorcycles, golf carts, and more — built for Florida’s outdoor lifestyle.

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Commercial Insurance

From general liability to commercial property protection, we support Florida small businesses with affordable, expert-built insurance solutions.

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Insurance for Niche Trades

Tailored insurance for Florida contractors and specialty trades — built to match your tools, job sites, vehicles, and unique liability risks.



Serving All of Florida

Business Insurance by Industry

At FLORIDA WE INSURE AGENCY, we know your industry brings its own risks and your insurance should match.


Whether you're running a restaurant on Florida's West Coast, fixing plumbing across the East Coast, or grooming pets in Central Florida, your coverage needs to reflect your business, your tools, and your exposure.


We design industry-specific insurance solutions for Florida businesses that are built around your work, backed by 30+ carriers, and supported by real local agents who understand licensing, liability, and Florida’s unique risk climate.

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Insurance for Restaurants

Protection for food spoilage, fire, employee injury, and liquor liability — built for Florida food businesses.



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Insurance for Plumbers

Covers liability, property damage, tool loss, and auto exposure —designed for Florida plumbing contractors.



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Insurance for Electricians

Liability, tools, commercial auto, and job site protection — tailored for Florida electricians and electrical contractors.

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Insurance for Veterinarians

Covers member injuries, equipment breakdown, and liability — made for Florida fitness businesses and trainers.

Serving All of Florida

Why More Floridians Trust FLORIDA WE INSURE AGENCY

We believe insurance should be personal, not transactional. That’s why we deliver honest advice, fast service, and coverage that fits your real needs — all from local Florida agents who care.


  • Wide Choice Across 30+ Carriers

    We shop 30+ Florida carriers to find the best rate and coverage every time.

  • Annual Policy Reviews & Re‑Shopping

    As your life or business changes, we adjust your coverage to stay protected and competitively priced.

  • Free In‑House Legal Support for Claims

    If your claim is denied or delayed, our legal team steps in to advocate for you — at no extra cost.

  • Real Florida Agents — Not Call Centers

    Get personalized service from agents who live and work in the communities we serve.

  • Industry‑Specific Expertise

    From contractors to retailers to service businesses, we know what coverage you really need.

What Our Florida Clients Are Saying
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 5.0 Stars from Happy Clients

They really helped me with my insurance needs. Would highly recommend, they are great.

Nolen S.

They really helped me with my insurance needs. Would highly recommend, they are great.

Tanmeeka A.

Florida We Insure Agency made getting insurance so much easier than I expected! The team was super friendly and patient, answered all my questions, and got me a great deal on both home and auto coverage. I felt supported every step of the way. Highly recommend them if you want people who actually care.

Chuck L.

Nice people and great rates.

Donna M.

Mary was incredible, she was professional, friendly and attentive....was able to get new insurance in under a week or so

K W.

Trisha was proactive and communicated promptly every step of the way. Her advice and sense of urgency were both refreshing and reassuring while delivering my new policy clearly and cheerfully - all within the confines of my work schedule and circumstances. HIGHLY RECOMMEND!

Rich S.

Excellent service! Very knowledgeable and helpful! Responds quickly!

Bill G.

Sandra Arruda was an absolute gem to deal with. She was the first to provide a quote that could beat USAA. She quickly delivered all required documents so our closing date did not get delayed. Sandra is a real pro!

Robert

They take the time to go over everything and make sure all your questions are answered.

Anthony P.

Michael was the only insurance person that went out of his way to give me a quote .. all the others ,which i still am recieving is a computer generated type of response.. his was much more personal and it is the reason i went with him .. always answers the phone , which is the reason i did not choose the company my wife suggested.. i am very happy...

Mya L.

He’s great and very nice and professional

Louise R.

Great service

Christina R.

I am extremely pleased that I was able to get all that I need for a lesser price than my previous insurance company. The agents are amazing and very knowledgeable, polite and courteous.

Alex H.

Got a great deal on homeowner's insurance, and the process was quick and painless.

Lawrence H.

I've been working with Mike Lucent for years now, and he's simply the best.

Nick B.

The service was very good. Sunil was friendly and helpful. Saved me a lot of money also!

Brian W.

Sunil helped me find a great rate! Highly recommend!

Sean M.

Sunil is great! Excellent service.

Our Trusted Florida Insurance Partners

Tailored Florida business insurance for trades, contractors, and service-based industries.

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Reviewing Coverage or Starting Fresh?

At FLORIDA WE INSURE AGENCY, we believe insurance should feel personal — not frustrating. With over 28 years of experience, we’ve helped thousands of Floridians protect their homes, vehicles, businesses, and futures. As an independent agency, we partner with 30+ top-rated carriers  to deliver smarter coverage, better pricing, and real peace of mind.


We’re not just policy writers — we’re problem solvers. From guiding you through claims to reviewing your policy every year, our local agents make sure you get full compensation, clear answers, and coverage that actually fits your life — without the hassle or the guesswork.

Service Areas

Areas We Serve Across Florida

Whether you're looking for homeowners insurance, business insurance, or contractor insurance anywhere in Florida, we can help.

Don’t see your area? Contact us — we likely serve your region too.

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Clients Statewide

We serve homeowners, renters, drivers, contractors, and businesses in every major industry across Florida. Whether inland or coastal, we deliver insurance built for Florida weather and regulations.

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St. Augustine

St. Augustine’s historic homes, coastal properties, and tourism-driven businesses require specialized protection. We insure homeowners, contractors, inns, restaurants, and local shops

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Jacksonville

Jacksonville’s logistics, construction, healthcare, and retail sectors have diverse insurance needs. We provide coverage for homes, autos, fleets, contractors, and offices.

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Tampa

Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.

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Sarasota

Sarasota’s coastal homes, luxury properties, boutiques, and arts-based businesses need strong, specialized coverage. We help residents and companies protect against high-value risks.

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Family-Owned. Community-Focused. Client-Driven.

At CF Alliance, we don’t just sell insurance — we build long-term relationships rooted in trust and service. As a family-run agency based in Germantown, we’re proud to serve a diverse and loyal community across Maryland and the DMV.

We are deeply rooted in our local and surrounding communities, as well as in Filipino and Taiwanese-Chinese organizations. Our involvement reflects who we are — people who care, give back, and lead with heart. Whether you're calling for a quote or reaching out after years of coverage, you’ll always connect with a team that knows your name and puts your needs first.


Insurance is our business. But people are our purpose.

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Ready to Protect What Matters Most?

Let’s build a plan that fits your home, your vehicles, your business, or your lifestyle — without overpaying. With Florida We Insure Agency, it’s never “one-size-fits-all.” It’s your Florida, fully protected.