The Florida market
is broken.
We know how to fix it.
Dropped by your carrier? Rate doubled? We specialize in finding coverage when others say "No."
Access to Citizens, Universal, Slide, Tower Hill + more.
Inspection Analysis
Wind Mitigation: 100% Credit
Trusted carriers we work with
Carriers subject to state availability and appointment status.
Florida homeowners need
a different playbook.
Forget standard advice. In Miami, it's all about Wind, Water, and Roofs.
Windstorm Coverage
The most expensive part of your bill.
THE SECRET:
A clean "Wind Mitigation" inspection can drop this cost by up to 40%. We review yours for free.
Flood Insurance
"But I'm not in a flood zone..."
THE REALITY:
If it rains hard enough in Miami, *everywhere* is a flood zone. Home insurance DOES NOT cover rising water.
Citizens Property
The "Insurer of Last Resort".
OUR EXPERTISE:
We know how to write Citizens when necessary, but we work hard to move you to private carriers as soon as possible.
We find discounts
hidden in your roof.
Did you add hurricane straps? Do you have impact windows?
Luna analyzes your Wind Mitigation Report and 4-Point Inspection to ensure you are getting every single credit you deserve.
Property Scan
123 Ocean Drive
ESTIMATED SAVINGS
$1,250.00 / yr
Florida Home FAQ
Do I really need flood insurance? ▼
Yes. Standard home insurance covers water coming from the *sky* (rain through a hole in the roof) or *pipes*. It does NOT cover water rising from the *ground* (storm surge, flooded streets). In Florida, we highly recommend it.
What is a 4-Point Inspection? ▼
If your home is older than 30 years, carriers want to check 4 things: Roof, Plumbing, Electrical, and AC. If these pass, you get insurance. If they fail, you might need repairs before we can bind coverage.
Why is Citizens my only option? ▼
Sometimes, due to roof age or location, private carriers won't offer a quote. Citizens is the state-backed safety net. We can write Citizens for you, and we'll keep checking the private market every renewal to try and move you out.
Protect your Florida home.
We'll check Wind Mitigation credits automatically.