I had a great experience with Risk & Cover Experts. The team was professional, knowledgeable, and…read morevery helpful. They found me a great insurance policy at a competitive price. Thank you for the excellent service! I highly recommend them.

From the owner: At Risk&Cover Experts, we’re not just another insurance agency — we’re your personal advisors. Call…read moreus today 786-219-9913. Every policy we write is tailored to your lifestyle, goals, and family’s protection. We combine luxury-level service with real-world expertise to make sure you always feel confident, covered, and cared for. Our clients appreciate the human touch, fast communication, and the peace of mind that comes from knowing we’re always one call away. We speak English and Russian and handle all forms of insurance such as auto, homeowners, condo, flood, umbrella as well as commercial insurance.

Stay far away from these people!! I think you would be hard-pressed to find a more unpleasant and…read moreincompetent agency. I moved to FL from another state, so I needed to transfer my previous Allstate policy, and this was the agency in the area. When I first signed up with them, they told me multiple times that my policy was being transferred and that I would not be charged for two policies. They also told me that my premium would be lower than it had been before. What actually happened was that I started getting charged more than double the price I was paying previously, AND they were still charging me for the old policy on top of that. This isn't even the worst of it though. When I discovered this, I found a much cheaper rate with another company and called my Allstate agent to have my FL policy canceled. They refused to do so without proof of replacement insurance, and told me it was a legal requirement, which is a complete lie. Other companies do not require this. To make matters worse, they would not accept my new policy because it didn't cover my wife. I am in the process of divorcing and there was no need for her to be covered as long as the car was covered. Even after I explained the situation to them they refused to cancel my policy without proof of divorce, which I currently don't have because this process is still ongoing. None of this was necessary, and I can prove that because I ended up getting the policy canceled without having to do any of this, but the struggle and waste of time it took me to do that was truly shocking. Imagine someone telling you that they intend to force you to continue paying for a product you don't want and are not contractually obliged to keep. This is what I was told over and over again by Maritza, who claims to be the manager. Nearly everything that comes out of her mouth is rude, inconsiderate, condescending, and often untrue. I asked to speak to a supervisor. She refused. I asked to speak to the general accounting office because my phone was automatically connecting me to her every time I tried to call Allstate's general phone number. She refused. I even had my new agency send her an email explaining that the car is covered and that this is perfectly sufficient. This was also ignored. They kept repeating the same nonsense over and over again, treating me like I'm stupid, and straight up lying to me. After about a week of trying to get ahold of someone outside the agency, calling multiple departments, and wasting hours of my time, I was finally able to reach the general customer service office. I had to call the claims department, go through the phone menu of options as if I was filing a claim, get someone on the phone, and have them transfer me to customer service. Once I finally was speaking to someone outside this abomination of an agency, I simply told them I needed to cancel my policy, and in 5 minutes it was done, no questions asked. This is what should have happened from the beginning, and it was honestly what I expected would happen once I could reach someone outside the agency, but they had to make everything difficult. I don't know what Maritza and these agents are thinking, but there is absolutely no excuse for this type of treatment, and I couldn't be happier to be rid of them. Like I said, stay far away.

This Allstate agent and the closest to my home. My previous agent moved out of town without notice…read moreand expected all the customers to follow. When it comes to insurance especially homeowners you need an agent to see nearby. When I moved east and especially my close proximity to the water I was required to get flood insurance. Luckily 15 years ago it was Allstate. They are the best. Unfortunate for me I have had to make a claim twice. Hurricane Irma was the last one. I called a couple days after the storm and they sent out an adjuster immediately. In fact he came out twice and called too. My garage was underwater twice as it is lower than the house. After this last time everything had to come out. The adjuster also pointed out that my air conditioner compressor was completely under salt water and had to be replaced as well. I would never have realized that if I hadn't called. I look forward to staying at this agency a very long time. Well as long as I live in South Florida.

Ive been out of town and so didn't receive my bill. I called and chatted with both Christian and…read moreOscar. They worked together to get me my bill quickly, take my payment over the phone and send me an receipt - all nicely, efficiently, and with a positive attitude. Thank you both.

Stay clear away from this place unless you want to be aggravated & pissed off. They never return…read moreyour phone calls or emails, they are very unprofessional from the employees, inspectors to Yamelys herself and do not have your best interest in mind. I would strongly not recommend this branch of State Farm. I have been dealing with them for over a year now and with every phone call there has been some issue. Yamelys herself is notorious for not returning phone calls or blowing off text messages or emails. In addition, I tired to get all of my information to transfer to another branch & they have been uncooperative to say the least. This place is a joke, an absolute clown show.

Just an update that the agent, Matthew Boisson at Miami Insurance Brokers, accidentally entered my…read moreaddress incorrectly on the application for the HO policy and then later, after the inspection, corrected it but this contributed to the cancellation as per letter from underwriter, Orchid. Miami Insurance Brokers and Orchid are still keeping my funds as 'policy initiation fees' despite the agent's role in this issue. Per state board of Insurance they are permitted to do this even though it is ethically wrong.

Miami insurance brokers was able to get me a super fast auto quote & they beat my previous policy…read moreby $70+ a month!! I transferred all my policies to them and I'm so happy with their team. Thank you!

Great people and great service. A pleasure to work with and always have a great experience with themread more

Just had the best and most detailed experience I've ever had with some assistance for an insurance…read morepolicy health insurance policy for us and Max . Ms. Robin Boutassa , amazing, detailed and super to work with! Short Chef