Florida Personal Insurance — One Agency for Auto, Home, Life, and Everything In Between
Trustshield Insurance is an independent Jupiter, FL agency built around a simple idea: one local agent, dozens of A-rated carriers, every line of personal insurance you need. Auto, home, renters, condo, umbrella, life, boat, motorcycle, RV, jewelry, second homes — we shop the entire market, bundle wherever it saves you money, and pick up the phone when you have a claim. Our average household client saves $1,400 across their policies after we re-shop them.
- Auto, home, life, umbrella, boat, motorcycle
- 40+ A-rated carriers shopped on every quote
- Bundle discounts of 10–25% across policies
- Jupiter, FL office — licensed nationwide
Free Personal Quote in 60 Seconds
$1,400
Avg household savings
40+
A-rated carriers
1 agent
Every personal line
A+
BBB rating
Why bundle your personal insurance with one independent agency
You probably have your auto with one company, your home with another, life with a third, maybe a boat or umbrella somewhere else. Every year you re-shop one of them and switch — but the rest stay stale. We do something different: we re-shop everything you own annually, across 40+ carriers, and bundle whatever can be bundled. Our typical new client saves around $1,400 in total premium without losing a dollar of coverage.
Auto Insurance
Compare 40+ Florida carriers including Progressive, Travelers, Mercury, Safeco, Nationwide. Bodily injury, UM, PIP, collision, comp — all sized to your actual risk, not the cheapest minimum.
Home / Condo / Renters
Every admitted Florida home carrier plus Citizens, plus the surplus-lines market for tough properties. Wind mitigation, flood, loss assessment, and replacement cost done right.
Personal Umbrella
$1M–$10M of extra liability stacked over your auto, home, and boat. Florida’s litigation environment makes this one of the most important policies any household owns. Starts around $200 a year.
Coverage details that matter
Life Insurance
Term, whole, IUL, and final expense across the top life carriers in the country. Honest advice about what you actually need — no high-pressure permanent-product sales pitches.
Boat & Watercraft
Center consoles, sportfishers, sailboats, yachts. Hull, liability, fuel-spill, Bahamas navigation. Major marine specialists including Markel, Geico Marine, Progressive Marine.
Motorcycle & Recreational
Harleys, sportbikes, ADV bikes, scooters, RVs, ATVs, golf carts. Built-in accessory coverage, multi-vehicle discounts, and roadside that actually shows up.
One agent, every policy — why that actually matters
When a hurricane hits, a tree falls on your car, your teenager rear-ends someone on I-95, and your boat ends up on the rocks all in the same week (yes, this has happened to actual clients), you do not want to be on the phone with five different 800 numbers. You want one agent who knows your family, can pull up every policy, and walks you through every claim in one conversation. That is what we do. We are not a 1-800 number. We are a Jupiter, FL office.
- Single agent across every household policy
- One annual review covers everything
- Coordinated claims handling across multiple losses
- Bundling discounts captured automatically
High-net-worth household options — and when they make sense
Florida is full of households with $2M+ homes, multiple vehicles, boats, jewelry, art, second homes, and serious umbrella needs. For these clients, standard mass-market carriers run out of capacity quickly. We have access to high-net-worth carriers (Chubb, AIG Private Client, Pure, Cincinnati) that write coordinated packages with cash-settlement options, agreed-value jewelry, and worldwide travel coverage. We are honest about when these make sense and when a standard carrier serves you just as well.
- Homes over $2M dwelling — HNW carriers usually beat standard
- Scheduled jewelry/art over $100K — HNW carriers handle it cleanly
- Multiple homes, boats, autos coordinated under one policy
- Cash-settlement options for total losses (rebuild your way)
Frequently asked questions
Do I really save money by bundling all my insurance?
Almost always, yes. Multi-policy discounts run 10–25% on auto, 5–15% on home, and most carriers stack discounts when you add a second or third line. For most Florida households, fully bundling auto + home + umbrella saves $500–$1,500 a year compared to keeping them at three different carriers.
How is an independent agent different from Geico or State Farm?
Geico and State Farm are captive carriers — their agents only sell one company’s product. We are independent, meaning we represent 40+ carriers and shop them all on every quote. When your rate goes up at renewal, a captive agent has nothing else to offer. We have 39 other companies to check.
Will I get a different agent every time I call?
No. You get a dedicated agent and a small service team that knows your household. The phone goes to our Jupiter, FL office during business hours, not an offshore call center. After hours and on weekends, you reach the carrier directly for claims with our agent paged in.
How often should I re-shop my personal insurance?
Every 12–24 months at minimum. Florida insurance market conditions change constantly: carriers leave and re-enter the state, rates jump 10–30% in a single renewal, and new carriers enter with promotional pricing for the first 2–3 years. We re-shop every client at every renewal automatically.
Do you write outside of Florida?
Yes. We are licensed in multiple states and add new states as clients relocate. Our home book is concentrated in Florida because that is where our office is, but a significant share of our auto, life, and umbrella business is in other states.
Do you charge a fee on top of the premium?
No. Insurance carriers pay us a commission that is already built into the premium — the rate you pay is the same whether you buy direct from the carrier or through us. There is no broker fee, no service fee, and no charge for shopping the market.
What is the fastest way to get a quote?
Fill out the form at the top of any page on this site — it takes about 90 seconds. We will text or call you back within an hour during business hours with real numbers, not just a teaser rate.
One agency for every personal policy your family owns
Tell us what you currently have and what you want quoted. We will re-shop 40+ carriers and email you a side-by-side comparison — usually same day.