Personal insurance
Cover your home, car, and everything you've worked for.
One independent agency shops Florida's top carriers for your home, auto, and flood — then a real person follows up fast to help you choose.
What we cover
Pick a coverage to get started
Quote any line on its own, or bundle for multi-policy savings.
Auto
Liability, collision, comprehensive, and the coverages Florida drivers actually need — shopped across carriers.
Auto coverageHome
Protect your house, condo, or rental from wind, water, and the unexpected, with rebuild costs that keep up with Florida prices.
Home coverageFlood
Most home policies exclude flood. In Florida that's the coverage that matters most — we'll explain NFIP vs. private options.
Flood coverageWhy Arace
Independent, local, and fast.
We shop, you save
We compare multiple carriers in one place instead of locking you into a single company's rates.
Built for Florida
Wind, flood, and rebuild costs work differently here. We quote coverage that actually holds up.
A real person answers
No call-center maze. You get a named agent who follows up fast and stays with you at renewal.
FAQ
Personal insurance questions
Do you charge a fee to quote my personal insurance?
No. As an independent agency we're paid by the carrier you choose, so shopping your home, auto, and flood with us is free. You only pay your policy premium.
Can I bundle home and auto?
Yes — and you usually should. Bundling typically unlocks multi-policy discounts and gives you a single point of contact for both. We'll quote them together automatically.
How fast will someone get back to me?
The moment you submit, you get an instant text confirmation, and a licensed agent reaches out — often within minutes during business hours.
Which carriers do you work with?
We're appointed with a Florida-focused carrier panel through Renaissance and other markets, so we can compare multiple options rather than push a single company.
Ready for a straight answer?
Start your quote online in two minutes, or call and talk to a real person right now.