One agent. 150+ carriers. Coverage that fits Florida.
Home, condo, auto, flood and business insurance from Tomlinson & Co., an independent Florida agency since 1966. We shop the market for you and explain what you're buying in plain English.
Pick a line to start
Each guide covers the Florida rules that change what you pay, and how to put together a policy that pays out when you need it.
Homeowners
Hurricane deductibles, wind mitigation credits, roof age, and getting off Citizens when a private carrier will take you.
Read the guide →Condo (HO-6)
Walls-in coverage, loss assessment, and how your unit policy fits with the association's master policy.
Read the guide →Auto
Florida's PIP and property damage minimums, why they're not enough, and how to protect yourself from uninsured drivers.
Read the guide →Flood
Homeowners policies exclude flood. Learn about the 30-day NFIP wait, private flood options, and the Citizens flood requirement.
Read the guide →Business
Workers' comp thresholds by industry, general liability, commercial auto, and certificates the same day you ask.
Read the guide →Who we are
An independent agency, so we work for you, not for one insurance company. Based in Altamonte Springs and serving all of Florida.
About us →Five things that change your premium
Florida insurance runs on rules that don't exist in most states. Each one below comes from the statute it's based on, so you can check it yourself.
Your hurricane deductible is a percentage
Insurers must offer hurricane deductible options of $500, 2%, 5% and 10% of your dwelling limit. On a $400,000 home, a 2% deductible is $8,000. It applies once per calendar year, not once per storm.
A wind mitigation inspection can cut your wind premium
Insurers must give discounts for features like hurricane straps, a hip roof, secondary water resistance and impact-rated openings. Those features are documented on the state's OIR-B1-1802 form, which stays valid for five years.
A roof under 15 years old can't be the only reason for a no
An insurer can't refuse to write or renew a homeowners policy solely because the roof is under 15 years old. For an older roof, an inspection showing at least five years of useful life left must be accepted.
Citizens isn't always an option
If a private carrier offers comparable coverage at no more than 20% above the Citizens premium, you generally can't stay on or join Citizens. That's why it pays to have an agent shop every renewal.
Florida auto minimums are $10,000 and $10,000
Florida requires $10,000 of Personal Injury Protection and $10,000 of Property Damage Liability. Bodily injury liability isn't required for most drivers, which is exactly why uninsured motorist coverage matters here.
Flood is never in your homeowners policy
Standard homeowners and condo policies exclude flood. A new NFIP flood policy usually has a 30-day waiting period, so buying it when a storm is already in the forecast is too late.
Quoted in minutes, explained by a person
Tell us the basics
Fill out the quick online form or call us. For a home, the address and the year the roof went on are most of what we need.
We shop the market
We compare 150+ carriers, including the Florida specialists most direct writers don't offer, and apply every credit you qualify for.
Choose with real advice
We walk you through deductibles and gaps side by side, then bind the policy and send your documents to you or your lender.
Florida insurance FAQ
Why is homeowners insurance in Florida so expensive?
Hurricane exposure, rising rebuilding costs and reinsurance prices drive most Florida premiums. The parts you control are your hurricane deductible, your wind mitigation credits, your roof's age and condition, and shopping across enough carriers. An independent agent can quote many of them at once.
Can you get me off Citizens?
Often, yes. Private carriers regularly take homes out of Citizens. If a private carrier offers comparable coverage within 20% of your Citizens premium, Florida law generally makes you ineligible to stay on Citizens, so we check the private market first.
Do I need flood insurance if I'm not in a flood zone?
No law requires it outside a mortgage requirement or Citizens' phase-in, but homeowners policies never cover flood, and heavy rain floods homes outside mapped zones too. Coverage for lower-risk zones is often reasonably priced, and the 30-day NFIP wait means you should buy it before storm season.
Is Florida's minimum auto insurance enough?
Rarely. $10,000 of PIP and $10,000 of property damage won't replace most newer cars, and the minimums include no bodily injury liability to protect your savings if you cause a serious accident. Most drivers should carry bodily injury liability and uninsured motorist coverage.
Do you write business insurance too?
Yes, including general liability, workers' compensation, commercial auto, commercial property, and contractors' coverage. Florida construction businesses need workers' comp with even one employee, and most other businesses need it with four or more.