★ 5.0 ON GOOGLE · INDEPENDENT FLORIDA AGENCY
Welcome to MIG Florida.— The new standard for property insurance.
Our automated platform instantly analyzes your home, finds your ideal coverage, and maximizes your discounts. Real quotes, real fast.
90 sec
average time to a quote
25+
Florida carriers shopped per home
5.0★
Google rating
Independent
we work for you, not a carrier
SHOPPING YOUR RATE ACROSS FLORIDA'S TOP CARRIERS
American IntegrityAmerican TraditionsCabrillo CoastalCORECypressEdisonFlorida PeninsulaFrontlineGeoVeraHeritageLoggerheadMonarchNeptune FloodOlympusOvationPatriot SelectPeople's TrustSageSureSecurity FirstSlideSouthern OakTridentTypTapUniversal PropertyVYRD
WHAT WE COVER
One Florida agency. Every line of coverage.
Get an instant online quote for the big three — home, auto and flood. For everything else, a licensed Florida advisor builds it with you.
INSTANT ONLINE QUOTE · ~90 SECONDS
🏠 INSTANT
Home
Dwelling, wind, hail and liability from Florida's top-rated carriers — with wind-mitigation and new-roof credits built in.
Quote Home → What does home insurance cover? → 🚗 INSTANT
Auto
Full Florida auto coverage — and bundling it with your home saves most households real money.
Quote Auto → What does auto insurance cover? → 🌊 INSTANT
Flood
Private and NFIP flood policies. In Florida, more homes need it than realize it.
Quote Flood → What does flood insurance cover? → ALSO AVAILABLE · BUILT WITH AN ADVISOR
🏢
Condo (HO-6)
Interior, liability and loss-assessment coverage tuned to your association's master policy.
🔑
Renters
Affordable protection for your belongings and liability in any rental.
⛵
Boat & watercraft
Bay boats to offshore, jet skis to sailboats — coverage for life on the water.
☂️
Umbrella
Extra liability that sits above your home and auto for real peace of mind.
🏘️
Landlord / rental
DP-3 dwelling-fire coverage for investment and rental properties across the state.
🏬
Commercial
General liability, property, BOP and workers' comp for Florida businesses.
🏍️
Motorcycle & RV
Bikes, campers and motorhomes — seasonal or year-round, fully covered.
💛
Life
Term and whole-life protection to keep your family secure, quoted independently.
HOW IT WORKS
Digital speed. Human expertise.
Our platform does the tedious part in seconds. A licensed Florida advisor does the part that actually saves you money.
01
Your address
One field. We pull public records, roof age and hazard data automatically — no forms to dig through.
02
Confirm & customize
Glance over what we found, set your hurricane deductible, and watch your estimate move live.
03
We shop the market
In ~90 seconds we run your risk across 25+ Florida carriers and rank the results.
04
An advisor goes lower
A licensed Florida agent runs the Discount Double Check — the part that actually saves you money.
"We're not a call center in another state. We're Floridians who got tired of watching neighbors overpay — so we built a faster way to shop."
M
The Moseley Insurance Group team
Licensed independent agents · Florida
Since 2009
serving Florida homeowners
Independent
we answer to you, not one carrier
ABOUT MOSELEY INSURANCE GROUP
An independent Florida agency built for how insurance should actually be bought.
The Florida market is brutal to shop — rates swing wildly between carriers, and a single detail like roof age can move your premium by hundreds. As an independent agency, Moseley isn't tied to any one company. We shop your risk across 25+ Florida carriers and bring you the options that actually fit.
What makes us different is the combination: our platform handles the speed — pulling public records, running risk, and shopping carriers in seconds — while a licensed Florida advisor handles the judgment, finding the discounts and coverage nuances software misses. You get a quote in ninety seconds and a real licensed human on the phone.
✓
Independent — we shop the Florida market, not a single company's shelf
✓
Local & licensed — real Florida advisors who know this state's quirks — wind mitigation, four-points, flood zones
✓
No pressure — get your numbers first; talk to a human only if you want to
THE FLORIDA MARKET, RIGHT NOW
2026 is the year to re-shop your Florida policy.
Home and auto rates have moved a lot in the last few years — here's what's happening and what it means for you.
Florida's market is finally turning
After years of hikes, new carriers are entering Florida and rates are stabilizing — which means real room to save if you re-shop now. If you haven't compared since your last renewal, you're likely overpaying.
Loyalty rarely pays
Staying put usually costs you. Florida households that re-shop and bundle home with auto save the most. We compare 25+ carriers in one pass, so switching is painless.
Roof & wind-mitigation credits
Florida carriers reward newer roofs, hip roofs, hurricane shutters and impact glass with real premium credits. A wind-mitigation inspection often pays for itself many times over.
WHAT FLORIDIANS SAY
Rated 5.0 on Google.
★★★★★ Google reviews
★★★★★
"Julie provided an absolutely outstanding experience from start to finish. She helped me get set up with homeowners insurance and made the entire process smooth, stress-free, and easy to understand."
Carlos G.
Google review · Homeowners
★★★★★
"Julie Gaviria has been an amazing agent to work with. Great communication and makes the process very easy. Not to mention, she was able to save me a great deal of money on my Homeowners Insurance. Would highly recommend her!"
Josh M.
Google review · Local Guide
★★★★★
"Julie was very knowledgeable and made the process go smoothly. Very efficient and explained policy language clearly when asked. Found the best possible price for my situation. Highly recommend."
Julian P.
Google review · Homeowners
★★★★★
"I received an email from Andrew at Moseley one day. After doing some research, I replied seeking a quote. He responded within hours with a quote that blew my current provider out of the water."
Raleigh H.
Google review · Homeowners
FREQUENTLY ASKED
Florida insurance, answered.
How fast can I really get a Florida home insurance quote?
About ninety seconds. You enter your address, confirm a few property details we already pulled from public records, and we shop 25+ Florida carriers live. You see real baseline rates before you ever pick up the phone.
Is Moseley an insurance company or an agency?
We're an independent Florida agency. We don't work for one carrier — we shop dozens of Florida carriers on your behalf and represent you, not them. If a better fit comes along at renewal, we can move you.
Which lines can I quote online, and which need an agent?
You can quote home, auto and flood instantly online. We also write condo, renters, boat, umbrella, landlord, commercial, motorcycle, RV and life coverage — those are built with a licensed advisor by phone so we get the details exactly right.
Which carriers do you shop?
Our Florida network includes American Integrity, Security First, Slide, TypTap, Southern Oak, Edison, Florida Peninsula, Heritage, Olympus and more than a dozen others — plus Neptune for flood. We rank the results by price and financial strength so you can compare fairly.
Do you cover hurricane and wind damage?
Yes. Wind and hail are part of every homeowners policy we quote. Your hurricane deductible (2%, 5% or 10%) is one of the few levers you control — you set it in the quote and watch how it moves your premium.
What about flood insurance in Florida?
Flood is always a separate policy from your homeowners coverage. We quote both private-market and NFIP flood options in the same session — increasingly important as flood risk and lender requirements expand across Florida.
How does my roof age affect my Florida premium?
It's one of the biggest factors in Florida — a newer roof, plus wind-mitigation features like hip roofs and hurricane shutters, can earn significant credits. A wind-mitigation inspection often pays for itself many times over.
Do I have to talk to an agent?
No. You can get your numbers entirely on your own. But a quick call lets a licensed Florida advisor run the Discount Double Check — hunting credits and bundle savings software alone can miss. That call is where most of the savings happen.
Is my information secure?
Yes. Your details are encrypted and used only to prepare your quote. We're an independent agency, not a lead broker — your number doesn't get sold to a wall of robo-callers.
WHERE WE WORK
Serving homeowners across Florida.
Licensed statewide — with local coverage guidance for every Florida market, coast to coast.
See what we can find for your home.
Ninety seconds, one address, no obligation. Then let a licensed Florida advisor run the Discount Double Check.