I have used Florida Strategic for a few years. Most recently Miro Tzenov helped me lower my homeowners insurance by $200 a year. He provided options and explained the impact of each. This company never fails to take good care of me. read more

We had been a client with Florida Strategic since 2013. Back then they were a fairly new in business company and were eager to please. Well, over the years they grew and little homeowners became minuscule. The treatment became more and more less caring and more rude. It became obvious that they do not want to work for a small client anymore and just want to collect without effort. Several bad advices and situations lead us to a new provider and a new agent. The new has an app and will answer calls and text outside of business hours. They also are a true agent and take care of one's business and interests without passing the issue to others. read more

I turned in a list of over 300 flood items frommy 40x40 shop after hurricane Helen. Almost 25% of the items mainly tools were denied along with 3 riding lawn mowers. I found more items destroyed and resubmitted the lawn mowers again because they were overlooked apparently. I submitted a supplemental claim on June 15 2025. I've been calling them every week since then looking for my $10,000 check. I keep getting the run around and have been told by them to call and check every week for when the check will be issued. It is August 1 2025. It took them 10 months to send an engineering company to check my peer and beam foundation that sunk during the flood and my foundation is cracked. My drywall is cracked in 2 rooms. I had a company come and check it out and it is go to cost $25,000 to fix. Their engineering said it's all normal settling. I'm completely dissatisfied. Now I have to hire more people to try to recover my losses that are covered by my policy. It is all BS. read more

I'm assuming the good reviews on here are from the owners themselves. FSI has let me down too many times. I've been with them since 2015. The first incident was discovering my policy was canceled (right before giving birth to my first child) due to my home inspection not being sent in to the insurance company even though it has been completed. I discovered the canceling of my policy when I received a refund check in the mail. No word from this agency. I rectified the error with too many phone conversations and a ton of stress. Fast forward to hurricane Irma. We did not have other structures on our policy (first time home buyers and didn't know the wiser). If it were me and knew my clients were young and unexperienced, I would've suggested to have other structures added since we do live in Florida and hurricanes happen, but that's just me, and I am fully aware not everyone thinks like me. After Irma we added the other structures. In 2021, we had put in a brand new vinyl fence, Wally watt shed, and above ground pool. I called FSI to increase our other structures coverage and explained how we had finally fixed all the damage from Irma and wanted to make sure we were covered for future hurricanes. Here comes Helene and Milton and unfortunately the damage to our outside structures is not covered. To say I'm pissed is an understatement. The owner's wife, Heather Puffer, personally sold me additional coverage in 2021, four months after my insurance company added a clause where hurricane damage is not covered any longer. She was well aware of why we needed additional coverage and still proceeded to sell me it. NOTHING IS COVERED. FSI prides themselves on being a small company and having that personal touch, yet the only true thing is, no one knows what they are doing. They are not well versed of the policies they represent and they do not communicate. When I contacted them about the issue, fingers were pointed at the insurance company, yet when I called the insurance company, they told me I had to speak to my agency for details on changes in my policy. Once they discovered it was their fault (proof in emails), Heather ignored my emails. I ended up forwarding the chain of emails to her husband, Mike Puffer, and all he said was sorry for the inconvenience. To add salt to the wound, the policy price increased tremendously, causing my escrow to be thousands of dollars short, thus increasing my mortgage payment. The fact that I've been paying extra for insurance thinking we were covered for over three years, just to not be covered at all, is extremely disheartening. I would not suggest purchasing any policy from this company. read more

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I really hate leaving poor reviews but I must warn any customer looking to work with FSI. Long story short... Haley Goshert never completed our policy. We are not insurance experts and have used her for an agent on multiple properties. We then realized months later that forced insurance was placed and we are out THOUSANDS OF DOLLARS because of her mistake. She did not reply to multiple emails in which we asked other questions about the policy. When we contacted the owner, Chris Weaver, he did nothing to help the situation. It is very sad that the owner of a company does not stand behind his employees or try to make it right with customers. We have reported this to the Florida Department of Insurance Board and they will be helping us move forward to make things right. We are extremely disappointed and hope no other customer is faced with what we have gone through. read more

Great customer service!!! Got a fast quote. Thank you Don! One happy customer. I was able to save a lot of money!

Im a mortgage Lender and work with agent Tito Cabrera . He is always helpful and always available. He is 100% my go to for all homeowners insurance policies for myself and all my clients. He always gives the best coverage for the best price beats everyone else I've used before too. I Definitely recommend him and his agency for all your needs! read more

I have never had a more unprofessional, and lazy attitude regarding an issue with my Flood Insurance policy with FSI. The lack of response and accountability is sorely missing with these folks. Purchased flood insurance through this agency in 2021 upon closing on my new home. A year later my mortgage company shows that I am having force-placed flood insurance on my loan so I call Evan and he does immediately handle the situation since they did not have the required coverage and did not check before submitting policy to the mortgage company. This year the same event and error occurs and my mortgage company charges over $600 more on my payment due to guess again, the same error. I contact FSI and speak to an agent who reviews my policy and states everything has been handled so now I am assuming my mortgage company is to blame and I start many conversations with them. almost 2mo later and I am told that Tashina has been handling my policy error. The truth is no one has been handling the problem while I have now paid 2months in a row at an elevated mortgage payment so $1200 out of pocket. I than contact Evan who emails Tashina and we are told that Monarch who is the company they use for my flood insurance has made an error in the coverage and that they can not resolve the issue and maybe a new policy but will not clear that my home did not have the right coverage for 3 months so of course that means I can not recoup my lost funds. My mortgage company has also been trying to reach out to FSI with no response! When I complain that writing a new policy in May which will not be retroactive and therefore I am just out the higher mortgage payment and can look forward to paying another higher payment in May as well so this is not an acceptable solution, Tashina email response is that I file a complaint with FEMA! Really!! And she is a manager there! In reviewing past issues with this company I see that this is an online review with exactly the same situation. Seems this is how they operate. I will be following suit in the same manner. So again would not use this agency for any type of insurance. read more

Met Kirk with Florida Strategic Insurance a couple years ago. I like the way he works, like me. I can reach him most anytime and get answers. As an agent, I'm never off and I sometimes need an answer in off, weird times. Kirk is always willing and able. Thank you Kirk! I appreciate you!! read more

I recently got my Homeowner Insurance from Florida Strategic Insurance. Specifically Aaron Oliveira was the Executive that managed my request and I must say that I never had such a pleasant experience before dealing with Insurances and agents. Furthermore Just a few days ago I got a letter from my Lender stating that my coverage was insufficient and they (The Lender) will seek supplemental Insurance at a higher price. Aaron was extremely helpful and instrumental during this "upsetting moments" and his diligence and dedication even during the weekend this was happening was just amazing. Not many Insurance Companies or its Agents show the Customer Support and Care that Florida Strategic Insurance and Aaron Oliveira demonstrated to me both during the Insuring stage AND afterward during this confusing situation created by my Lender Company. Francisco J. Bango New Port Richey, FL. read more

Tito Cabrera at FL Strategic is a FABULOUS agent that is great at explaining policies, and even better at getting back to his clients in a timely matter. 10/10 would recommend every time. I can always count on him! read more

As a realtor, I have had the pleasure of working with Haley from Florida Strategic Insurance on multiple occasions. Although the properties and situations differ, her availability, professionalism and willingness to help never does. She always responds promptly with an unbeatable quote and more than pleasant attitude. read more