Why Florida Insurance Is Different
Florida’s insurance market is unlike anywhere else in the country. Hurricane exposure, rising reinsurance costs, carrier insolvencies, and a litigious legal environment have made Florida one of the most expensive and complex states to insure property. Homeowners in coastal counties can pay two to three times the national average for coverage, and many national carriers have pulled out of the state entirely.
This is exactly why independent agencies like Nymble exist. We’re not tied to any single carrier. We represent 90+ Florida-licensed insurance companies, which means we can shop your policy across the widest possible market to find the right balance of coverage, cost, and carrier stability for your specific location and property type.
What We Cover
Homeowners (HO-3), condo (HO-6), mobile/manufactured home, investment property (DP-3), auto, flood (NFIP and private), life, pet, umbrella, and commercial insurance. Whether you’re in downtown Miami or rural North Florida, we have carriers that write in your area.