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Protecting your Florida home, the right way.
LDM Insurance Advisors helps Florida homeowners understand their coverage and find the right fit before hurricane season, not after.
Or call us at (305) 504-5006Get a quick quote
Two minutes. A licensed advisor follows up the same business day.
Coverage for your every need
Homes, condos, rentals and flood, all with one local agency.
Homeowners and renters
Your home, your belongings and your liability, from HO-3 policies to renters coverage.
See coverage options
Flood insurance
Most homeowners policies leave out rising water. We add it through a home package, NFIP or a private carrier.
See coverage options
Condo insurance
HO-6 coverage for the inside of your unit, built around your association's master policy.
See coverage options
Mobile and manufactured homes
Coverage for the home you live in, the one you rent out, or the one you rent.
See coverage optionsAlso for your business
How it works
Tell us about your home
Fill out the quick quote form or call us. It takes about two minutes.
We find the right coverage
Our advisors review your home, your needs and your budget, then recommend the policy that fits.
You're covered
You get coverage you understand, and we stay with you for renewals, questions and claims.
A family agency that picks up the phone
Family owned
LDM has protected Miami homeowners for more than a decade. You work with the same people year after year.
English and Spanish
Talk through your policy in the language you're most comfortable with, on the phone or in our office.
Admitted carriers
We work with trusted admitted carriers, so we can compare coverage, deductibles and premiums for your home.
Frequently Asked Questions
Does homeowners insurance cover flood damage?
Not by default. A standard homeowners policy leaves out rising water such as flood, wave wash and tidal surge. Some of our carriers offer home policy packages that include flood coverage, and we can also write a separate flood policy. We'll show you which options fit your home.
Why did my premium go up?
Florida premiums have risen with storm losses, roof age and other factors. We can review your policy and check whether another carrier fits your home better.
Can I get a quote if I already have a policy?
Yes. A quote doesn't commit you to anything, and many clients come to us for a second opinion.
How fast will you get back to me?
We aim to reply to quote requests the same business day. We're open Monday to Friday, 9 AM to 5 PM.
Ready when you are.
Get a quick quote online, or call and speak to a representative.