Coverage for everyday Florida life
Personal insurance that fits the way you live here
Florida life comes with a mix of sunshine and real risk. From hurricane season to crowded roadways and rising property costs, having the right personal insurance matters. GM Insurance Underwriters helps individuals and families across Florida build coverage that protects the things you rely on most, without overcomplicating the process.
As a Jacksonville-based
independent agency, we compare multiple carriers so you can make a clear choice on price and coverage. Many of our clients are contractors and business owners who also want one trusted agency for their personal policies, but you do not need a business to work with us. If you live in Mandarin, Riverside, Ponte Vedra, St. Augustine, or anywhere across the state, we can help you line up a plan that makes sense for your home and your budget.
Why Florida residents work with us
Clear guidance in a challenging market
Florida insurance has changed a lot in recent years. Rates move quickly, carriers tighten rules, and one renewal can feel very different from the last. Because GM Insurance Underwriters is independent, we are able to
shop widely and adjust your options when the market shifts.
We also take the time to explain coverage in plain terms. That includes what your hurricane deductible really means, how flood coverage works, and where liability limits should be set based on your assets and lifestyle. The goal is simple decisions and
steady support, not a confusing folder of paperwork.
Straight answers for Florida families
Can I bundle my home and auto insurance?
Yes. Bundling is one of the most common ways Florida families save money. We check carrier options and make sure policies line up cleanly.
Do I need flood insurance if I am not in a flood zone?
Many Florida flood claims come from moderate and low-risk areas. Heavy rain and drainage issues can affect neighborhoods well away from the coast, so flood coverage is often a smart add-on.
What if I have a unique situation like a rental home or collector car?
We can place coverage for vacation homes, rental properties, boats, RVs, and classic vehicles through specialty carriers. We will guide you to the right approach without making the site harder to navigate.