Your Local South Florida Insurance Agent
Protecting South Florida families with personalized auto, home, boat, and flood insurance.
Bilingual service, honest advice, and coverage that actually fits your life.
Licensed and Insured in Florida
English & Spanish Service
24/7 Phone Support
Meet Elena
I'm Elena Bustamante, a licensed property and casualty insurance agent and owner of this agency. I specialize in homeowners, auto, boat, and flood coverage for South Florida, with a focus on serving real estate professionals and homeowners who need fast, accurate insurance solutions.
My mission is simple: make insurance clear, fast, and stress-free. With years of experience navigating underwriting, carrier requirements, and flood zones, I understand how critical timing is when a home is under contract. I work closely with realtors, mortgage brokers, and buyers to ensure coverage is secured on time, keeping closings moving smoothly.
I believe great service is personal, and so is protecting what matters most. If you're looking for a responsive partner who understands the urgency of your timeline, you're in the right place.
Coverage Options
Insurance Options For South Florida
Auto Insurance
Comprehensive coverage for South Florida drivers. Compare rates from multiple carriers for the best protection.
Homeowners Insurance
Complete home protection including hurricane and wind coverage. Required by most Florida lenders.
Boat & Watercraft
Specialized marine coverage for boats, yachts, and jet skis. Protect your investment on the water.
Flood Insurance
Essential flood protection for South Florida properties. NFIP and private carrier options available.
Motorcycle Insurance
Affordable coverage for riders. Liability, collision, and comprehensive options for all bike types.
Umbrella Insurance
Extra liability protection beyond your standard policies. Safeguard your assets with additional coverage.
Frequently Asked Questions
What types of insurance do you offer?
I specialize in personal insurance for South Florida residents: auto, homeowners, boat and watercraft, flood, motorcycle, and umbrella coverage. I also help with renters and condo insurance. As an independent agent, I shop multiple carriers to find you the best options.
How quickly can I get a quote?
Most quotes are ready within 24-48 hours. For auto insurance, usually within 24 hours. For homeowners or boat insurance, typically 24-48 hours depending on the information needed. I'll call you as soon as your options are ready.
Do you speak Spanish?
Yes! I'm fully bilingual and offer complete service in Spanish. So is my team. Whether you prefer English or Spanish, I'll make sure you understand your coverage options clearly. Servicio completo en español disponible.
Do I need flood insurance in South Florida?
Yes, flood insurance is highly recommended for South Florida properties. Standard homeowners insurance doesn't cover flood damage, and many mortgage lenders require it if you're in a flood zone. I can check your property's flood zone and explain your options—both NFIP and private flood insurance.
What areas do you serve?
I serve South Florida, with a focus on Miami-Dade County and surrounding communities. When we connect, I'll confirm your specific location is within my service area. Most of South Florida is covered.
Why work with an independent agent instead of going directly to an insurance company?
When you go directly to one company, you only see their rates. As an independent agent, I compare quotes from 15+ top-rated carriers to find you the best combination of coverage and price. You get options, not a sales pitch, and I'm here to answer questions and help with claims long after you buy.
Contact Us
Email:
Address: 12595 SW 137th Ave STE 204, Miami Florida 33186
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