Florida personal and commercial insurance
Florida insurance guidance for your home, business, and future.
PRIME Insurance Services of Florida compares trusted options for homeowners, flood, auto, business, contractor, and specialty coverage so you can move forward with clarity.
Licensed Florida agency
Personal and commercial
No-obligation quote review
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What do you need covered?
Coverage solutions
Insurance for the assets and obligations that matter most.
Personal Lines
Homeowners, flood, excess flood, condominium, renters, auto, boat, yacht, RV, personal umbrella, and valuable articles.
Commercial Lines
Builders risk, commercial property, general liability, excess liability, commercial auto, inland marine, professional liability, special events, and workers compensation.
Contractor Review
Policy review for construction trades, project requirements, certificates, liability gaps, vehicles, tools, and jobsite exposures.
Personal Lines Insurance
Protection for the people, places, and possessions you care about most.
Your home, vehicles, family, lifestyle, and personal assets deserve coverage that fits real life in Florida. PRIME helps you review personal insurance options with clarity, so you can feel more confident before a claim, renewal, move, or major purchase.
Auto Coverage for daily drivers, family vehicles, and liability on the road
One accident can affect your finances, schedule, and peace of mind. Auto insurance helps protect you, your passengers, your vehicle, and your liability when life changes in a split second.
Boat, Watercraft & Yachts Protection for life on Florida waters
Florida weekends often happen on the water. Boat, watercraft, and yacht coverage can help protect your vessel, liability, passengers, equipment, and the lifestyle you worked hard to enjoy.
Condominium Coverage for your unit, belongings, upgrades, and liability
Condo insurance can be confusing because your association policy and your personal responsibility are not the same thing. PRIME helps you review what belongs to you, what may be excluded, and where gaps can appear.
Flood Separate protection for one of Florida's most serious property risks
Flood damage can happen outside obvious coastal zones and is often not included in homeowners insurance. Flood coverage helps protect your property when rising water becomes more than an inconvenience.
Excess Flood Additional limits when standard flood coverage may not be enough
High-value homes, coastal properties, and larger financial exposures may need more than basic flood limits. Excess flood coverage can help create a stronger safety net when water damage is severe.
Homeowners Coverage for your house, belongings, liability, and recovery
Your home is more than a structure. It is stability, comfort, and one of your largest investments. Homeowners insurance helps protect against covered losses while giving you a path to recover after the unexpected.
Recreational Vehicle Coverage for RV travel, storage, and liability
Your RV carries plans, memories, and freedom. Recreational vehicle coverage can help protect the vehicle, your liability, and the trips you look forward to taking.
Renters Protection for belongings and personal liability
Even if you do not own the building, your belongings and liability still matter. Renters insurance can help protect clothing, electronics, furniture, and personal responsibility after a covered loss.
Personal Umbrella Extra liability protection above home, auto, and other policies
Some claims can exceed standard limits. A personal umbrella policy can add another layer of liability protection for serious accidents, lawsuits, and life events that become financially overwhelming.
Personal Articles Coverage for jewelry, valuables, collectibles, and special items
Some possessions carry more financial and emotional value than a standard policy may fully address. Personal articles coverage can help protect jewelry, watches, fine art, collectibles, and other valued items.
Commercial Lines Insurance
Protect the business you worked too hard to build.
One accident, lawsuit, jobsite loss, vehicle claim, storm, or employee injury can put years of work at risk. PRIME helps Florida business owners review coverage with clarity, not pressure, so your company can keep moving when the unexpected happens.
Builders Risk Coverage while a project is being built or renovated
Construction projects are full of moving parts. Fire, theft, storms, vandalism, and material losses can derail timelines and cash flow. Builders risk coverage helps protect the structure and project materials while the work is still in progress.
Commercial Auto Protection for vehicles used in your business
Your vehicles represent your people, tools, deliveries, and reputation on the road. Commercial auto coverage helps protect your business when a company vehicle is involved in an accident, claim, or liability situation.
Commercial Property Coverage for buildings, contents, equipment, and income risk
Your building, inventory, equipment, and physical location are part of your business engine. Commercial property insurance helps protect those assets from covered losses so one event does not become a permanent setback.
Excess Liability Higher limits when a claim goes beyond the primary policy
Some claims are bigger than expected. Excess liability can provide another layer of protection above your underlying policies, helping safeguard your company from severe lawsuits or high-value claims.
General Liability Core protection for everyday business liability
Slip-and-fall claims, property damage, completed work issues, and customer injuries can happen even when you run a careful operation. General liability is often the foundation of a responsible business insurance plan.
Inland Marine Coverage for tools, equipment, and property in transit
Many businesses do not keep their most valuable property in one place. Inland marine coverage can help protect tools, equipment, materials, and movable property while it travels between jobs, locations, or clients.
Professional Liability Protection when advice or services are challenged
If your business provides expertise, guidance, design, consulting, or professional services, a client dispute can become expensive fast. Professional liability helps address claims tied to errors, omissions, or alleged negligence.
Special Events Short-term coverage for events, venues, and vendors
Events bring people, vendors, venues, contracts, and unpredictable moments together. Special event insurance can help protect against covered liability or event-related risks so your big day has a stronger safety net.
Workers Compensation Coverage for employee injuries and workplace requirements
Your team is one of your most important investments. Workers compensation can help protect employees after workplace injuries while helping your business meet legal and contractual obligations.
Insurance services in Florida
Coverage support for homes, vehicles, businesses, contractors, and coastal risk.
Homeowners and property insurance
Florida property coverage can be complicated by wind, hurricane exposure, roof age, flood zones, replacement cost, deductibles, and carrier changes. PRIME helps homeowners review coverage options for houses, condominiums, renters policies, personal articles, and umbrella protection.
- Homeowners, condominium, and renters insurance
- Personal umbrella and valuable articles coverage
- Renewal review for changing premiums and deductibles
Flood and excess flood insurance
Flood damage is not automatically covered by many property policies. PRIME helps Florida property owners think through flood insurance, excess flood options, lender requirements, elevation concerns, and coastal or inland water exposure.
- Flood insurance quote review
- Excess flood coverage conversations
- Support for primary homes, condos, rentals, and businesses
Auto, boat, yacht, and recreational coverage
From daily vehicles to watercraft and recreational vehicles, PRIME helps clients compare coverage for liability, physical damage, uninsured motorist needs, trailers, boats, yachts, RVs, and personal umbrella coordination.
- Personal auto and recreational vehicle insurance
- Boat, watercraft, and yacht insurance
- Coverage coordination with umbrella policies
Business and commercial insurance
PRIME works with businesses that need practical protection for property, operations, vehicles, employees, contracts, and liability requirements. Coverage conversations can include commercial property, general liability, commercial auto, workers compensation, inland marine, professional liability, and special events.
- General liability and excess liability
- Commercial property and commercial auto
- Workers compensation and professional liability
Contractor insurance review
Contractors often need fast, accurate insurance guidance for certificates, jobsite requirements, vehicles, tools, subcontractor risk, builders risk, and liability limits. PRIME helps review what your policy needs to support before a project or renewal deadline.
- Builders risk and inland marine
- Commercial auto and tools coverage
- Certificate and contract requirement review
Quote review before you switch or renew
Whether your premium increased, your property changed, your business expanded, or you simply want a second opinion, PRIME can review your current situation and help identify coverage options worth comparing.
Start a quote review
The PRIME difference
Independent guidance before policy paperwork.
Life has complications and unpredictability. Accidents, storm damage, floods, lawsuits, and business interruptions can happen anywhere. PRIME helps you compare the right protections before the moment you need them.
- Review coverage against your real risk, not just the lowest premium.
- Coordinate personal and business policies with fewer blind spots.
- Explain carrier options in plain language before you decide.
Client experience
Real coverage reviews. Real peace of mind.
"Our homeowners renewal jumped and we felt stuck. PRIME reviewed the policy, explained the deductible changes, and helped us compare options before we renewed. We saved money and finally understood what we were buying."Marisol R. Homeowners insurance
"We thought our home policy handled everything until PRIME explained flood coverage separately. They helped us quote flood protection before storm season, and that gave our family a lot more confidence."Daniel & Priya S. Flood insurance
"Our contractor certificate requirements were confusing and slowing down a project. PRIME helped us review general liability, commercial auto, and tools coverage so we could move forward professionally."Michael T. Contractor insurance
"We had auto, umbrella, and home coverage scattered everywhere. PRIME helped us look at the full picture, clean up gaps, and make the coverage easier to manage as a family."Jennifer L. Personal lines review
"As our business grew, our old policy did not match how we actually operated anymore. PRIME walked us through property, liability, and workers comp in plain English. It felt like having someone on our side."Anthony C. Commercial lines
Questions customers ask
Florida insurance quote questions, answered simply.
Do I need both homeowners and flood insurance in Florida?
Many homeowners policies do not include flood damage. Depending on your property, lender, location, and risk tolerance, flood coverage may be worth reviewing separately from homeowners insurance.
Can PRIME review my renewal if my premium increased?
Yes. A renewal review can help compare your current premium, deductibles, coverage limits, property details, and available options before you accept changes or switch carriers.
What should businesses review before buying commercial insurance?
Businesses should review property, liability, vehicles, employees, contracts, professional exposure, equipment, and certificates. PRIME helps organize those needs before quoting.
How fast can I request a quote?
You can start online in under a minute. Share the coverage type, contact details, and a short note, and a PRIME advisor can follow up with the next step.
Start a quote
Tell PRIME what you need covered.
Share the basics and an advisor can follow up with the right next step. For urgent needs, call directly.
No obligation. A PRIME advisor will review your request and help you compare next-step options.