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Florida requires PIP and property damage liability on every registered vehicle, and most drivers carry more than the minimum.
Tell us the car, the drivers and your ZIP code, and we come back with prices from several carriers
We write the policy and file the certificate with the Florida DHSMV the same day you come in.
Bring what the state sent you and we work out which of the two filings it is asking for.
Work trucks, vans and fleets belong on a commercial policy, because a personal one can deny the claim once it learns the vehicle was used for business.
Tell us how many vehicles and who drives them, and certificates go out the same day the policy binds.
General liability, a business owner's policy and professional liability cover the three ways a small business ends up in a claim.
Give us your trade, your revenue and how many people work for you, and we size it from there.
Homeowners and condo insurance quote
Health insurance quote
Renters insurance quote, same day
Motorcycle insurance quote
Dwelling, contents and liability, with flood quoted alongside because it is written on its own policy.
The year the roof was replaced and any wind mitigation report you have will move the number more than anything else.
Marketplace, private and dental plans, with your subsidy checked while you are on the phone.
We need your date of birth, your ZIP code, who else is on the plan and an estimate of household income.
Your landlord's policy covers the building; yours covers everything you moved into it, from a few dollars a week.
Send us the lease details and we email the proof your property manager needs the same business day.
Florida treats motorcycles under different rules than cars, and your car's PIP stops at the car.
Tell us the bike, where it sleeps and what you have added to it, and we quote several carriers.








Term for a fixed period at the most coverage per dollar, or whole life for permanent protection with guaranteed cash value.
Our licensed life agent works out what your family actually needs before quoting a number.
Umbrella adds a layer of liability that sits above the limits on your home and auto policies.
We need to see those underlying policies first, because carriers set minimum limits before they will sit above them.
Pet insurance reimburses a share of the vet bill, so the treatment decision stays a medical one and you keep your own vet.
Tell us the breed and the age, because enrolling while they are young and healthy keeps the widest coverage.
Hull and machinery, liability on the water, and the wreck removal and fuel spill costs that can run past what the boat is worth.
Motorhomes, travel trailers and fifth wheels each carry their own policy, and living in one full time changes what you need.
Del Toro Insurance
1412 W Flagler St, Ste D
Miami, FL 33135
Contact
(305) 509-8613
heydytorre@deltoroinsurance.com
Languages
English
Spanish - Se habla español
Portuguese - Falamos português


