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Need to Send Us an Email?

For the Homeowners / Property Team, please email us at Home@InsGuy.com

For the Auto Team, please email us at Auto@InsGuy.com

For the Commercial Team, please email us at Commercial@InsGuy.com

We Welcome Visits from Our Clients!

4928 S Le Jeune Road

Coral Gables, FL 33146

We are open Monday thru Friday from 9:00 AM to 6:00 PM.

If you are visiting our office, please use the metered parking along Menendez Avenue. (Make your turn from Le Jeune Road, we are just South of US1.)


Does driving for Uber, UberEats, Lyft, or Other Transportation Network Companies Affect My Auto Policy?
Why Do I Have to List All of the Licensed Drivers in My Residence? What If I Just Exclude Them From My Policy?
What Coverage is Required for a Leased Vehicle?
Is Rental or Towing Covered by my Comprehensive or Collision Coverage?
My Driver’s License is Suspended. Can I Still Get a Policy?
My Son/Daughter Now Has Their Restricted Driver’s License. Do I Need to Add Them to My Policy?
How Can We Add a Good Student Discount on my Policy for my Licensed Son/Daughter?
What is a Four Point Inspection (“4 Point”)?
What is a Windstorm Mitigation Inspection?
How much does it cost and who pays for this inspection, me or the insurance company?
What are Windstorm Mitigation Credits?
What is a Roof Certification?
What Do the Different Limits of My Policy Mean?
What Does Liability on My Homeowners Policy Cover?
Why Do I Have a Separate Hurricane Deductible on My Policy?
Do I Need to Use a Licensed Contractor for my Repairs?
Why Do I Need to Provide Proof of Repairs if my Insurance Company Did Not Make a Payment Towards my Claim?
Why Can’t I Transfer my Policy to Someone Else?
Why are my Rates Going Up?
I Live in a Condominium Building – How Can I Add Burglar and Fire Alarm and Sprinkler Credits to my Policy?
Why is my Carrier Increasing my Dwelling Limit Every Year?
Why Do I Need to Insure my Home at Replacement Cost if I Owe Less Than That to the Bank?
Why Should I Keep Coverage if My Home is Paid Off?
What does a General Liability policy cover?
Does my General Liability policy cover injuries to my employees or any claims as a result of being an employer?
What is a Certificate of Insurance (COI)?
I’m being asked to list someone as “Additional Insured” on my policy? What does that mean?
I’m being asked to provide a “Waiver of Subrogation” on my policy? What does that mean?
Why should my business carry Hired and Non-Owned Auto Liability (HNOA) coverage on our Business Auto policy or our General Liability policy?
There are so many different types of policies for businesses. How do I know what I need?