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Monday–Friday · 9:00 AM – 5:00 PM ET·independent · Insuring businesses nationwide
What we cover
Personal lines we place for Florida families
Tell us what you need and a licensed Ellie agent shops it across our carrier markets — the same independent approach we bring to business insurance.
Homeowners, Condo & Mobile Home
Home, condo, mobile-home, secondary-home, and high-value homeowners coverage — including Florida wind, flood, and sinkhole considerations.
Personal Auto & Classic Car
Personal auto, classic and collector car, and multi-vehicle households placed with carriers that fit your record and vehicles.
Renters & Rental Property
Renters, landlord, and short-term-rental coverage serve different uses. Tell us whether you live in the property, rent it long term, or host paying guests. We will compare available forms and endorsements for the building, your belongings or furnishings, liability, and lost rental income. Home-sharing availability, guest liability, and exclusions vary by carrier and policy; local rules and association bylaws may also apply.
Personal Umbrella & Excess
Personal umbrella and excess-liability limits that sit above your home and auto policies to protect personal assets.
Watercraft & Special Event
Boat, watercraft, and recreational coverage, plus special-event and other one-off personal exposures.
High-Net-Worth & Cyber
High-net-worth packages and personal/home cyber coverage for households with elevated exposure.
How it works
A simple, independent quoting process
- 1
Tell us what you need. Home, auto, renters, condo, mobile home, classic car, boat, or a personal umbrella — call 813-582-5215 or use the contact form.
- 2
We shop your account. A licensed agent compares options across our carrier markets and brings you the coverage and price that fit — usually the same business day.
- 3
One agency for everything. If you also run a business, we keep your commercial policies in-house and coordinate your personal umbrella so the limits actually line up.
Run a business too?
Get your commercial coverage instantly
Business owners can start a commercial quote online right now — general liability, workers' comp, commercial auto, property, BOP, and garage/dealer.
Instant Business QuotePersonal insurance FAQ
Personal insurance — common questions
- Yes. Ellie Insurance Group is an independent agency with access to 100+ carrier markets, and we place personal insurance — home, auto, renters, condo, mobile home, classic car, watercraft, and personal umbrella — alongside our commercial work. Business insurance is our primary marketing focus, but our licensed agents shop personal lines across multiple carriers so you get an independent recommendation rather than a single-company quote.
- Yes — we refreshed the website and consolidated personal lines onto this page. Tell us what you need (home, auto, renters, condo, umbrella, classic car, boat, etc.) using the form or by calling 813-582-5215, and a licensed agent will shop it for you.
- Absolutely — and it's one of the advantages of working with us. If you own a business, we can review your personal and commercial liability policies together. A personal umbrella generally sits above scheduled personal home, auto, or boat liability limits; business operations usually need their own commercial liability and, when appropriate, commercial umbrella or excess coverage. We will identify the underlying limits and policy terms to compare before you choose coverage. One agency, one point of contact, multiple carriers.
- Yes. Florida property risks are not handled the same way by every policy. Flood damage is generally not covered by homeowners insurance and usually requires a separate flood policy; an NFIP policy typically has a 30-day waiting period, subject to limited exceptions. Windstorm coverage and hurricane deductibles appear on the declarations page and can materially change what you pay after a covered hurricane loss. Florida residential policies must include catastrophic ground cover collapse, but sinkhole-loss coverage is generally available for an additional premium and has statutory structural-damage requirements. Ask us to show the deductibles, wind terms, flood option, and any sinkhole endorsement that apply to your address.
- Call 813-582-5215 or send your details through our contact form. Let us know the type of personal coverage you're looking for and the basics (address, vehicles, or limits), and a licensed agent will shop your account across our carrier markets — usually the same business day.
Next step
Get an independent personal insurance quote
Call 813-582-5215 or send your details and a licensed Ellie agent will shop your home, auto, and umbrella across our carrier markets — same business day in most cases.