Your Neighborhood
Insurance Agency

Your Family First Insurance - Leisure City is an independent insurance agency serving Homestead, Leisure City, Florida City and the surrounding South Miami-Dade communities. We help individuals, families and business owners understand what they are buying before they buy it.

The word independent carries more weight than it sounds like it should. A captive agent works for one insurance company and can only offer that company's products. An independent agency is appointed with more than one carrier, so when we look at your situation we are not limited to a single set of rates, underwriting rules and appetites. If one carrier will not write your roof, your driving record or your type of business, we can look at others without you starting over somewhere else.

That matters because insurers do not evaluate risk the same way. One may be comfortable with an older roof and cautious about a recent claim; another weighs those factors in reverse. Two quotes at the same premium can also contain very different coverage, which is why price alone is a poor way to choose a policy. A cheaper premium produced by a higher deductible, a lower liability limit or an exclusion you did not notice is not a better deal — it is a different amount of protection.

So we ask questions before quoting rather than after. Deductibles, limits, exclusions and endorsements are where policies genuinely differ, and they are the parts most people never get explained to them. We would rather spend an extra fifteen minutes on a declarations page now than have you discover a gap at claim time.

Our team assists customers in English and Spanish, because understanding your own policy should not depend on which language the paperwork happens to be written in. When you call, you reach a person who can look at your file rather than a queue that starts the conversation over each time.

What we actually do day to day

Quoting is the visible part, but most of the work happens after a policy is in force. We prepare applications and submit them to the carriers whose appetite fits your situation. We handle the state filings that certain drivers need — an SR-22 after a lapse or violation, or an FR-44 following certain DUI convictions, both of which are financial-responsibility filings rather than policies in their own right.

We issue the certificates of insurance a general contractor, landlord or client asks for in writing, and we read the requirement they sent you so the certificate actually satisfies it. We review coverage when something changes — a new vehicle, a teen driver, a paid-off mortgage, a business that outgrew its policy. And when a claim happens, we help you work through the process instead of handing you a phone number.

What we write

On the personal side: auto insurance, homeowners and renters coverage, flood, and life insurance. On the commercial side: general liability, commercial property, business owners policies and commercial auto, which is the bulk of what local contractors, landscapers and service businesses need to operate and to get paid. We also help with ACA health plans during Open Enrollment and after a qualifying life event.

What we will not tell you

We are licensed in the State of Florida and appointed with more than one carrier — but we will not claim to have every carrier, because no agency does. We will not quote you a savings percentage before seeing your information, because your premium depends on your own circumstances. And we will not tell you the cheapest policy is the best one, because often it is not. Depending on your eligibility and the type of coverage you need, we can compare available options from multiple insurance carriers, and explain honestly what separates them.