Premiums across South Florida have repriced hard. Most homeowners we audit are paying $600 to $2,400 more a year than they should — with coverage gaps they don't even know they have. In 20 minutes, we'll tell you exactly where you stand.
20 min
Full policy review
$1,250
Value — no cost to you
3 counties
Local, licensed advisors
The renewal notice landed and the number was 15, 20, sometimes 40 percent higher than last year. You didn't file a claim. Nothing changed on your end. When you called the carrier and asked, you got a script. When you called around for a second opinion, you got routed to four different call centers in a single afternoon.
By the end of it, most Florida homeowners give up and just pay the new number. That is exactly how this stays broken in South Florida.
You are not imagining it, and you are not stuck with it. The carrier you have today is not the only one that writes home insurance in your zip code — and the policy you are paying for right now is almost certainly not the most competitive option available to your household.
A line-by-line review of your current Florida home policy in plain English — dwelling limits, wind/hurricane deductibles, water damage, replacement cost language, and every exclusion that matters at claim time.
We map your coverage against your home's actual dwelling value, roof age, and 4-point / wind mitigation inspection results — then flag the shortfalls that quietly cost Florida homeowners the most.
A live side-by-side comparison across the admitted carriers writing in your ZIP — calculated on your actual numbers — plus every discount you qualify for that isn't currently applied to your policy.
Total value: $1,250. Cost to you: $0. The carrier pays our commission only if you choose to switch and we write the policy — so the review itself is genuinely free.
Coral Gables, FL · Local office
The Butler, Buckley & Deet's Advisory Team
Florida-licensed · Independent · Serving South Florida homeowners for decades
The fastest way to lose a Florida client is to talk someone into a policy that doesn't fit their home, their roof, or their risk profile. We'd rather you stay with your current carrier than become an unhappy customer of ours.
Butler, Buckley & Deet's is an independent Florida agency. We compare your policy across a full panel of admitted carriers writing in Miami-Dade, Broward, and Palm Beach — not one company's product sheet.
Your only commitment is being willing to switch if the numbers work. If they don't, you keep the audit, you keep the coverage-gap notes, and you go about your day.
"Our renewal came back up almost $1,800. Butler, Buckley & Deet's rebuilt the policy with better wind coverage and we ended up paying less than last year. The gap analysis alone was worth the call."
"They actually told me my current policy wasn't bad and to keep it another year. First time an insurance person gave me a straight answer without a pitch. When I renew, they're my first call."
"I didn't realize my dwelling limit was $180K short of what it would cost to actually rebuild after a hurricane. Fixed in one 20-minute call. Same monthly premium. Wildly different protection."
That's exactly why we built the 20-minute audit. You send us your current declarations page, we do the comparison work, and we come back with a one-page summary. No forms to fill out with three different carriers, no calling around.
Sometimes yes, sometimes no. We compare across a full panel of admitted Florida carriers on your actual numbers. If your current carrier is still the best fit for your roof age and risk profile, we'll tell you plainly.
Then this audit is mostly about coverage-gap analysis rather than switching carriers. We'll make sure your dwelling limits, wind deductible, and replacement cost language actually match what you own.
In Florida, premiums move on reinsurance costs, litigation trends, and roof age exposure across your ZIP — not just your individual claim history. Your rate can rise sharply even with zero claims. The audit shows you exactly which of those factors is driving your renewal.
There isn't one. The carrier pays our commission only if you decide to switch and we write the policy. That's how independent agencies get paid. Your only commitment is being willing to move if the numbers clearly favor it.
No. Your information is used by Butler, Buckley & Deet's and the licensed carrier partners we quote you with — not sold across a marketplace of buyers. Full detail is in our Privacy Policy.
Connect with a licensed Butler, Buckley & Deet's advisor now. Twenty minutes. No obligation. If our quote isn't better than what you have today, we'll tell you to stay where you are.