Local Florida insurance coverage that fits your family & business needs, with a team that knows your name.
Homeowners, hurricane, and flood insurance across Florida
Elye Insurance has helped families protect their homes since 2010, and we serve Florida households and businesses from our office in Mission Viejo, California. From Jacksonville and the St. Johns River to Tampa Bay, Orlando, Southwest Florida, and the Miami and Fort Lauderdale coast, Florida homes face hurricanes, storm surge, heavy rain flooding, and some of the most demanding underwriting in the country. We shop multiple carriers, explain your options in plain English or Spanish, and review your coverage every year.
Florida's homeowners market
Carriers look closely at roof age and material, the age of plumbing and electrical systems, and wind mitigation features on every Florida home. Older homes usually need a 4-point inspection, and a wind mitigation inspection can earn credits for hip roofs, roof-to-wall straps, and impact-rated windows and shutters. Most policies carry a separate hurricane deductible, often 2% or 5% of the dwelling limit. When private carriers decline a home, Citizens Property Insurance Corporation serves as the state's insurer of last resort, and we compare Citizens against private options at every renewal. We also cover condos, rental properties, renters, and high-value homes.
Hurricanes, storm surge, and flood
Hurricane Andrew (1992), Irma (2017), Michael (2018), Ian (2022), and Helene and Milton (2024) each reshaped parts of the state, and much of their damage came from water rather than wind. A standard homeowners policy does not cover flood, NFIP policies usually carry a 30-day waiting period, and Citizens is phasing in a requirement that its policyholders carry flood coverage. We quote NFIP and private flood policies side by side, well before a storm is in the forecast.
Auto, boat, and business coverage
Florida is a no-fault state. Drivers must carry $10,000 of personal injury protection (PIP) and $10,000 of property damage liability, and bodily injury liability is not required for most drivers, so we usually recommend higher liability limits and uninsured motorist coverage. We round out your protection with auto, boat, and umbrella coverage. For business owners, we also write business insurance, from business owners policies to commercial property, along with contractors insurance and trucking coverage.
Where we work in Florida
We serve Gainesville, Miramar, Pembroke Pines, Hollywood, Hialeah, Fort Lauderdale, Tallahassee, Port St. Lucie, Cape Coral, Miami, Tampa, St. Petersburg, Orlando, and Jacksonville, along with communities across the state.
The numbers behind our protection.
In more ways than one, insurance is a numbers game. Elye Insurance has the experience and expertise to properly protect your business for years to come.
Years experience insuring families & businesses owners.
Customer satisfaction with all five star google reviews.
Policies written for families & business owners.
5.0
Five stars on Google. Zero arm-twisting.
We don’t ask you to take our word for it. Here’s what our neighbors say after working with us.
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Kyle was fantastic to work with when helping me with both landlord insurance and umbrella insurance. He is extremely knowledgeable, professional, and really knows his stuff. He took the time to explain my coverage options clearly, answered … More all of my questions, and made sure I understood what would best fit my needs. His expertise and attention to detail gave me confidence that I was making the right decisions to protect my properties and assets. I highly recommend Kyle to anyone looking for insurance guidance from someone who is experienced, trustworthy, and genuinely helpful. -
I have used Elye insurance for not only my personal, but also business life. They beat everyone’s prices and always pull through with the best coverage. They are quick to answer any questions you might have regarding any insurance and are … More very knowledgeable . Since I’ve had Dillon’s number at Elye insurance my life has genuinely gotten easier and more efficient. Can’t say enough great things about this company.
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Dillon was a model of customer service! He has an amazingly positive attitude and was easy to engage. He went above and beyond to listen and find solutions for a house I was purchasing with an 18 year old roof. He was remarkably responsive … More and able to find me coverage that was hard to find elsewhere. I would highly recommend Elye Insurance.
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Elye Insurance has been phenomenal in every aspect- service, efficiency, and overall quality. Their team is incredibly responsive, professional, and always available to handle any questions or needs I have.I’ve been with them for about … More three years now and have zero complaints. I have both my life and auto insurance policies through them, and the experience has been seamless from day one.If you’re in the market for insurance and want a company that genuinely takes care of its clients, I highly recommend Elye Insurance. You won’t regret it!
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I was referred to Dillon Persinger. The person who referred me to him said he is the best and let me tell you Dillon truly is the best.If you’re looking for an insurance guy who can find you a solid policy, is incredibly responsive, kind, … More direct, helpful, responsible, and knowledgeable - just call and ask for Dillon. I plan on referring everyone I know to him. If I have future insurance needs, I will go back to him.Insurance is a tricky area so it was really important to me to find someone I could trust. Dillon at Elye Insurance is that person for me. And I’m writing this review because I fully believe he can (and will) be that person for other people too.
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For the time I have been with Elye Insurance as my agents, I have always received top-notch service. The staff is knowledgeable, responsive, and takes the time to explain policy details to ensure I have the best coverage. It is rare to … More find such personalized care these days. I highly recommend Elye Insurance to anyone looking for a trustworthy insurance agency.
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Elye Insurance rocks! Dillon is the most knowledgeable and helpful insurance agent we have ever worked with. His attention to detail and quick response to calls and emails is exceptional. In these days of policy cancellations and fewer … More options available, Dillon was still able to find us the perfect solution.
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I would like to give kudos to Dillon at Elye Insurance! I have worked with him on many occasions for insurance for my many homeowners associations. He always goes above and beyond and gets his clients the best insurance for the best price. … More Along with his professionalism and trustworthiness, his positivity and sense of humor can’t be beat. I highly recommend Dillon for all of your insurance needs.
Providing insurance strategies for families & business owners in Florida.
…and all other cities, towns, and neighborhoods throughout Florida.
We believe in providing top-notch insurance products and services to our clients, and that requires working with the best financial institutions available.
Most people collect insurance one piece at a time: a general liability policy here, an auto policy there, a business policy from someone else. We take a more holistic approach. Because we write a full book of coverage across your entire commercial insurance needs, we can look at the whole picture, see where things overlap or leave gaps, and help it all work together.
For your business life and employees, that means your business operations, your property, your employees, your vehicles, and the umbrella coverage that ties them together, along with specialty needs. For Florida business property owners, it also means real guidance on earthquake and wildfire exposure, hurricane and flood, and the difficult market many of us are navigating.
Elye exists to safeguard your family or business with proactive, strategic insurance planning, not just annual renewals.
Michael Urbano · Founder, Elye Insurance
Your trusted insurance advisor in Florida providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in Florida.