Florida
New York Roots. Florida Licensed. Bilingual From Start to Finish.
We've been helping families and small businesses get the right coverage since 2006 — and now we're bringing that same relationship-first service to
Florida clients, in English and in Spanish.
Florida Clients Deserve an Agency That Knows the Market
Florida has one of the most complex insurance landscapes in the country. Homeowners face a market shaped by hurricane risk, limited carrier options, and the ongoing challenges surrounding Citizens Insurance — and navigating that alone is harder than it should be. As an independent broker, we shop your coverage across multiple carriers to find the right fit for your home, your budget, and your zip code. We're not locked into one company's products. We work for you.
For drivers, renters, landlords, and business owners across the state, we offer the same hands-on guidance our Bronx clients have counted on for nearly two decades — now fully available to Florida residents.
Serving the Florida Communities We Know Best
Florida's Hispanic community is one of the largest in the country, with deep roots across Miami-Dade, Orlando, and Tampa. Many of our Florida clients have family ties to New York — some have relocated from the city, others are managing properties or businesses across both states. We understand both markets, both sets of requirements, and both languages.
Whether you came to Florida from the Bronx or you've been here your whole life, you deserve an agency that communicates clearly, answers your questions without rushing you, and treats your policy like it matters — because it does.
Personal and Commercial Coverage Available Across Florida
We offer a full range of insurance lines for Florida individuals, families, and businesses:
- Auto Insurance — personal and commercial vehicles, including contractor fleets
- Homeowners Insurance — independent broker access across multiple FL-licensed carriers
- Renters Insurance — affordable protection for apartment and condo renters
- Landlord Insurance — coverage for rental properties and small portfolios
- Life Insurance — term and permanent options for individuals and families
- General Liability Insurance — essential coverage for contractors and service businesses
- Business Owners Policy (BOP) — bundled property and liability for small businesses
- Workers Compensation — required coverage for FL employers with four or more workers
- Commercial Auto Insurance — for business vehicles and contractor trucks
- Commercial Property Insurance — protecting the physical assets of your business
- Professional Liability Insurance — errors and omissions coverage for service professionals
Bilingual Service, Licensed in Florida, Ready When You Are
Our team of nine women agents is licensed across 10 states, including Florida. We serve clients entirely remotely — by phone, email, and video — so geography is never a barrier to getting the coverage you need. Every conversation can happen in English or Spanish, whichever feels right to you.
Florida's contractor market is active and growing, and many of the small business owners and tradespeople we work with need coverage that meets state licensing requirements, client contract demands, and job site expectations all at once. We know what that looks like, and we know how to get you there without the runaround.
Frequently Asked Questions About Insurance in Florida
Is Mendoza Agency licensed to sell insurance in Florida?
Yes. We are fully licensed in Florida and work with clients across the state, including in Miami-Dade, Orlando, Tampa, and beyond. Our team serves Florida clients remotely by phone and email in both English and Spanish.
Why does homeowners insurance in Florida cost so much more than other states?
Florida's homeowners market is shaped by hurricane exposure, a history of carrier insolvencies, and the state's Citizens Insurance program, which was designed as a last resort but became a primary option for many homeowners. As an independent broker, we search across multiple carriers to find coverage that fits your situation — rather than defaulting to a single company's offering.
Do you offer bilingual insurance service in Spanish for Florida clients?
Yes. Our agents are fully bilingual in English and Spanish, and every step of the process — from your first quote to your policy review — can be handled in the language you prefer. Many of our Florida clients found us specifically because they wanted a bilingual insurance agency they could trust.
Can you help a Florida small business or contractor get the right commercial coverage?
Absolutely — and it's one of our specialties. We work with general contractors, tradespeople, LLCs, and service businesses across Florida to build commercial coverage packages that meet licensing requirements and client contract minimums. We can help you get general liability, commercial auto, workers compensation, and more, all from a single agency that knows your industry.
Ready to Get Covered in Florida?
We're here to make insurance feel less complicated and a lot more personal. Whether you're a family that just relocated from New York, a contractor building your business in Florida, or a longtime resident looking for a better agency experience — we'd love to hear from you. Reach out today and let's find the right coverage together.