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Compare rates from top-rated carriers in minutes. Our licensed agents shop the market so you get the best coverage at the lowest price — no obligation required.
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We shop dozens of carriers to find you the right coverage at the right price — whether you own a home, condo, or need flood protection.
Comprehensive protection for your single-family home covering the structure, personal property, liability, and more.
Protect your unit, personal belongings, and liability — everything your condo association policy doesn't cover.
Standard homeowners policies don't cover flooding. Protect your most valuable asset from Florida's storm surges and heavy rains.
We do the heavy lifting — comparing multiple carriers so you don't have to.
Our agents are licensed and deeply familiar with insurance requirements in every state we serve.
We compare rates from dozens of top carriers simultaneously, saving you hours of research.
You'll work directly with Austin Sullins and our Tampa-based team — not a call center.
We move fast. Request your quote today and hear back the same business day.
Whether you're in sunny Tampa Bay or The Gulf Coast of Mississippi, we've got you covered.
Home & Condo Specialists
Home Insurance
Home Insurance
Home & Flood Insurance
Home & Flood Insurance
Home Insurance
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Real reviews from real clients across our service area.
"Austin saved me over $800 a year on my Tampa home insurance. He shopped multiple carriers and found me a policy with better coverage than what I had. Highly recommend!"
"I needed condo insurance fast for a closing and A&S had me covered the same day. Incredibly responsive and explained everything clearly. This is how insurance should work."
"After Hurricane Ian, I realized I needed flood insurance. Austin walked me through NFIP vs. private flood options and got me a policy that actually fit my budget. Very knowledgeable."
Quick answers to what Florida homeowners ask us most.
Florida averages among the highest home insurance rates in the US due to hurricanes and weather risk. The actual cost depends on location, home value, construction type, and coverage level. We shop multiple carriers to find you the most competitive rate.
Yes. Standard homeowners and condo policies do NOT cover flooding. Florida's unique geography means flood insurance is strongly recommended — and often required by your mortgage lender if you're in a flood zone.
HO-6 policies cover the interior of your unit (walls-in), your personal belongings, personal liability, and loss assessments from your condo association. Your association's master policy typically covers the building exterior.
Most quotes are ready within the same business day. For complex properties or bundled coverage, it may take up to 24 hours. Submit the form above or call us directly for the fastest response.
Most Florida home insurance policies include hurricane wind coverage, but some have a separate hurricane deductible (often 2–5% of the dwelling value). We'll walk you through exactly what your policy covers.
While home and flood insurance are typically separate policies, we can quote them together and look for any available discounts. Bundling through the same agency makes managing your coverage much simpler.
Get your free, no-obligation quote today. It takes less than 2 minutes — and could save you hundreds.