RamseyTrusted Independent Insurance Advice for Florida
RamseyTrusted is Dave Ramsey's vetting program for local professionals, and Atesa Risk Advisors is a RamseyTrusted Pro for insurance serving all of Florida from its Jacksonville office. That means an independent agency that works for you rather than for one carrier, shops 40+ A-rated carriers for home, auto, umbrella, boat and business coverage, and is screened on an ongoing basis for service and integrity, at no cost to you. Ramsey listeners anywhere in the state, from Pensacola to the Keys, get the same advice Dave gives on air: higher liability limits, sensible deductibles, replacement cost on the home and an umbrella as assets grow, and in 2026 Citizens' approved homeowners rates fall 8.7% statewide while private carriers compete again, which is exactly when a fresh comparison pays.
Atesa Risk Advisors is a RamseyTrusted Pro for insurance across Florida: independent, vetted for integrity, free to work with. Get a quote.
What a RamseyTrusted advisor does for a Florida household in 2026
Independent advice only helps if it is specific. These are the Florida-wide facts a quote from our office is built on this year, wherever in the state you live.
Anywhere in Florida
Florida's rules for homeowners and auto policies are statewide statutes, and 2026 is the first year in a decade that the market is moving in the buyer's favor.
- Citizens' approved 2026 rates fall an average of 8.7% for HO-3 homeowners policies and 10.4% for HO-6 condo policies statewide, effective July 1, 2026 for new policies and at renewal for existing ones; Citizens' book stood at 336,000 policies in March 2026, down 76% from its October 2023 peak, because private carriers are writing again.
- An insurer may not refuse a home solely because its roof is under 15 years old, and at 15 or older an inspection showing five years of useful life keeps age from being the sole reason (FS 627.7011(5)); wind-mitigation discounts are required in every residential rate filing and must be posted on the insurer's website (FS 627.0629, 627.711), so the inspection report is the first document we ask for.
- Every residential policy must offer hurricane deductibles of $500, 2%, 5% and 10% of dwelling coverage and print the deductible's dollar value on the declarations page (FS 627.701); windstorm coverage itself cannot be dropped without the owner's handwritten opt-out (FS 627.712).
- Florida's auto floor is only $10,000 of PIP and $10,000 of property damage liability, bodily injury liability is not required until a crash or DUI makes it so, and uninsured motorist coverage must be offered at your bodily injury limits unless you reject it in writing (FS 627.736, 324.022, 627.727); the Insurance Research Council estimated 15.9% of Florida motorists were uninsured in 2022, and FLHSMV counted 381,423 crashes and 3,098 deaths statewide in 2024.
- Property claims must be reported within one year of the date of loss and supplemental claims within 18 months (FS 627.70132), and post-loss assignment of benefits is void on policies issued since January 1, 2023 (FS 627.7152(13)); federal flood policies pay up to $250,000 on a home and $100,000 on contents after a 30-day wait, with Community Rating System discounts of 5% to 45% depending on the city.
From our Jacksonville office
Home base is Jacksonville; the license, the carriers and the advice cover the whole state.
- We quote and service Florida households anywhere in the state by phone, email and e-signature, with the same 40+ carriers and the same one-business-day turnaround.
- Clients who prefer to sit down with us can do that in Jacksonville, and Northeast Florida households get the county-level detail we publish on our product pages; every other region gets the same statute-level accuracy and a quote built for its wind, flood and roof profile.
Citizens 2026 approved personal-lines rate changes, statewide averages
| Policy type | Current average premium | Approved change | Approved average premium |
|---|---|---|---|
| HO-3 homeowners (multiperil) | $3,506 | -8.7% | $3,202 |
| HO-6 condo unit owners (multiperil) | $1,420 | -10.4% | $1,272 |
| DP-1 / DP-3 dwelling (multiperil) | $2,300 | -4.2% | $2,203 |
| HW-2 homeowners wind-only | $4,667 | -4.8% | $4,441 |
| HW-6 condo wind-only | $2,066 | -7.2% | $1,917 |
| All personal lines combined | $2,943 | -5.9% | $2,768 |
OIR-approved statewide figures from Citizens' March 2026 filing summary, effective July 1, 2026 for new policies and at renewal for existing ones; county results differ and individual policies vary.
Guides
- What Is an Independent Insurance Agent? Why It Matters for Your Wallet
- How Much Is Homeowners Insurance in Florida? The Surprising 2026 Reality
- Overinsured: Why Paying for Coverage You'll Never Use Is as Expensive as Having Too Little (2026)
Data sources
- Citizens Property Insurance Corporation, 2026 Approved Rate Changes by County
- Citizens Property Insurance Corporation, 2026 personal lines rates approved (March 4, 2026)
- Florida Statutes § 627.7011 (replacement cost; roof-age underwriting limits)
- Florida Statutes § 627.0629 (residential rate filings; wind-mitigation discounts)
- Florida Statutes § 627.711 (notice of premium discounts; uniform mitigation verification form)
- Florida Statutes § 627.701 (hurricane deductibles; roof deductible)
- Florida Statutes § 627.712 (residential windstorm coverage required)
- Florida Statutes § 627.736 (personal injury protection benefits)
- Florida Statutes § 324.022 (property damage liability financial responsibility)
- Florida Statutes § 627.727 (uninsured motorist coverage)
- Insurance Information Institute, Facts + Statistics: Uninsured motorists (Insurance Research Council 2022 estimates)
- FLHSMV, Florida Traffic Crash Facts Annual Report 2024
- Florida Statutes § 627.70132 (notice of property insurance claim)
- Florida Statutes § 627.7152 (assignment agreements)
- FEMA / FloodSmart, What's covered (NFIP coverage limits)
- FEMA, Flood insurance: purchase requirements and the 30-day waiting period (updated Jan. 2, 2026)
- FEMA, Community Rating System (discount schedule; updated April 8, 2026)
Frequently Asked Questions
Is Atesa Risk Advisors a RamseyTrusted Pro for home and auto insurance in Florida?
Yes. Atesa Risk Advisors is a RamseyTrusted Pro for insurance serving the whole state of Florida; our office is in Jacksonville and we work with clients from Pensacola to Miami by phone, email and e-signature. We are an independent, Florida-licensed property-and-casualty agency: home, auto, umbrella, boat and business coverage shopped across 40+ carriers. When a client asks about life insurance we follow the Ramsey approach, level term only, and point them to a term carrier.
What does Dave Ramsey recommend for car and home insurance?
As summarized on this page from Ramsey's guidance: carry higher liability limits (inexpensive protection against lawsuits), take higher deductibles to lower the premium, insure the home for guaranteed or full replacement cost and check the value every year, add an umbrella policy as your assets grow, and bundle home and auto for the discount. Don't drive on the state minimums, which in Florida are only $10,000 of PIP and $10,000 of property damage liability, don't underinsure the home, and don't report small claims that count against your record.
How do I get a quote from a RamseyTrusted insurance agent?
Send the form on this page, call (904) 900-5063, or use the Get a Quote page from anywhere in Florida. Tell us what you have today and what you own; we shop 40+ carriers, explain the trade-offs the way Dave would, and come back within one business day with options. There is no fee to work with us, no obligation, and no pressure to switch anything that is already right.
Which areas do you serve as a RamseyTrusted Pro?
All of Florida. We are licensed statewide and handle clients anywhere in the state by phone, email and e-signature; the quotes, the carriers and the advice are the same whether you are in Tampa, Orlando, South Florida, the Panhandle or Jacksonville, where our office is. Out-of-state Ramsey listeners moving to Florida are a large share of the new households we quote each year, and we walk them through the parts of Florida insurance that are different: hurricane deductibles, wind mitigation credits, roof-age rules and flood.
What does RamseyTrusted mean for an insurance agency?
RamseyTrusted is Dave Ramsey's vetting program for local pros. To earn and keep the badge, an agency is screened for service quality, integrity, and alignment with Ramsey's buyer-first principles — and is re-evaluated on an ongoing basis. Atesa Risk Advisors is a RamseyTrusted Pro for insurance in Florida.
Does using a RamseyTrusted agent cost more?
No. Quotes come from the same carriers at the same filed Florida rates whether or not the agency carries the badge. As an independent brokerage we shop 40+ A-rated carriers, so the typical outcome is paying less for equal or better coverage, not more.
How is an independent RamseyTrusted agent different from a captive agent?
A captive agent can only sell one carrier's products. An independent agent shops many carriers and works for you, not the insurer. The RamseyTrusted vetting adds an accountability layer on top: the agency must keep meeting Ramsey's service standards to keep the endorsement.
Related Guides
- Meet Ricardo Alonso, founder and RamseyTrusted Pro
- Florida homeowners insurance
- Florida auto insurance
- Umbrella insurance calculator
- What is an independent insurance agent?
- Get a free quote
Get a free quote or call (904) 900-5063 — Atesa Risk Advisors, independent Florida insurance brokerage.