E&L Insurance

E&L Insurance E&L Insurance Services provides superior service and quality coverage to residents and businesses in Florida. Visit www.EandLInsurance.com. Se Habla Español
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Whether you are looking to insure your automobile, home, mobile home, motorcycle, watercraft, or if you need coverage for your business such as general liability, workers compensation, commercial auto, E&L Insurance has you covered! Let’s face it! Shopping for insurance can be a grueling process. Here at E&L Insurance, we focus on counseling customers on the best coverage options, at the best poss

ible rates. What makes us different from other agents? As an independent insurance agency, we are appointed and represent the most reputable insurance companies in Florida. This allows us to provide more options, at a higher level of service that other agents cannot offer. Our customer service representative are here to help you in all your insurance needs. Call us today at 888-700-4049!

What happens if your car floods during a South Florida storm? Flood, wind-blown debris, falling branches and similar non...
09/02/2026

What happens if your car floods during a South Florida storm? Flood, wind-blown debris, falling branches and similar non-collision damage are generally handled under comprehensive auto coverage, subject to the policy’s deductible and terms. Comprehensive coverage is different from collision coverage, and it isn’t automatically included on every vehicle. September is a good time to check whether you carry it and what deductible you selected—especially if your vehicle is routinely parked outdoors or in a flood-prone area. Call E&L at (305) 541-1002.

Florida’s homeowners insurance market continues to change. Citizens reported 266,076 policies in force as of August 21, ...
09/01/2026

Florida’s homeowners insurance market continues to change. Citizens reported 266,076 policies in force as of August 21, down substantially from the end of 2025, while Florida regulators have also reported increased private-market participation. That’s encouraging for competition, but it does not mean every homeowner will see a lower renewal. Location, roof age and condition, coverage limits, deductibles, inspections and individual underwriting still matter. When your renewal arrives, compare the coverage as closely as the premium. Questions? Visit https://www.eandlinsurance.com.

A condo association policy does not replace an individual HO-6 policy, and a seasonal or vacation home may have differen...
08/31/2026

A condo association policy does not replace an individual HO-6 policy, and a seasonal or vacation home may have different occupancy requirements from a primary residence. Review interior finishes, personal belongings, loss assessment, liability, temporary living expenses, vacancy provisions, water shutoff requirements, and who checks the property while you are away. Updated association documents and accurate occupancy information can help prevent misunderstandings about responsibility after a loss. For Florida condo insurance or vacation home coverage, call E&L at (305) 541-1002.

Not every type of water damage is handled the same way. A sudden plumbing leak, wind-driven rain, sewer backup, applianc...
08/28/2026

Not every type of water damage is handled the same way. A sudden plumbing leak, wind-driven rain, sewer backup, appliance failure, and rising surface water may fall under different policy provisions or separate policies. After damage, report exactly what happened without guessing about the cause or choosing terminology based on possible coverage. Photograph the source and affected areas, take reasonable steps to prevent additional damage when safe, and save damaged items until instructed otherwise. For Florida insurance questions, visit https://www.eandlinsurance.com.

Florida lifestyles often include vehicles that do not fit neatly into a standard auto policy. Boat insurance may address...
08/27/2026

Florida lifestyles often include vehicles that do not fit neatly into a standard auto policy. Boat insurance may address the hull, equipment, liability, towing, and storm-related storage requirements. Golf carts may need separate coverage depending on where they are driven, who uses them, whether they are registered, and whether they leave private property. Do not assume homeowners or auto insurance automatically covers every exposure. Review usage, drivers, storage location, and liability with E&L Insurance at (305) 541-1002.

The amount paid for a home is not the same as the amount needed to rebuild it. Replacement cost estimates consider labor...
08/26/2026

The amount paid for a home is not the same as the amount needed to rebuild it. Replacement cost estimates consider labor, materials, debris removal, construction demand, building features, and local requirements. Renovations such as a new kitchen, enclosed patio, upgraded flooring, or room addition can also change the appropriate dwelling limit. Review replacement cost coverage and any extended replacement provisions instead of relying on an old estimate or the home’s market value. Visit https://www.eandlinsurance.com.

Heavy rain can damage a parked vehicle even when no collision occurs. Comprehensive coverage may apply to covered losses...
08/25/2026

Heavy rain can damage a parked vehicle even when no collision occurs. Comprehensive coverage may apply to covered losses involving flooding, falling branches, hail, theft, or other non-collision events, subject to the policy terms and deductible. Liability-only coverage does not provide this protection for your own vehicle. Never start a deeply flooded vehicle, because doing so can worsen mechanical or electrical damage. Photograph the water level and contact the carrier promptly. Review comprehensive coverage and deductibles with E&L at (305) 541-1002.

Business interruption coverage is often misunderstood. It generally depends on a covered cause of physical loss and the ...
08/24/2026

Business interruption coverage is often misunderstood. It generally depends on a covered cause of physical loss and the terms of the policy, so accurate financial records are essential. Florida businesses should review payroll, rent, loan payments, seasonal revenue, vendor dependencies, and the time needed to replace specialized equipment. Also confirm limits for computers, inventory, tools, property in transit, and equipment stored away from the main location. For a practical Florida commercial insurance review, visit https://www.eandlinsurance.com.

National Senior Citizens Day is a useful reminder that insurance needs can change after retirement. Annual mileage may d...
08/21/2026

National Senior Citizens Day is a useful reminder that insurance needs can change after retirement. Annual mileage may decrease, an adult child may begin using a vehicle, or a seasonal residence may sit unoccupied for longer periods. Review drivers, garaging locations, roadside assistance, home replacement cost, liability limits, and whether an umbrella policy fits the household’s current exposure. Discounts are only one part of the review; accurate information and appropriate coverage matter too. Call E&L at (305) 541-1002.

Insurance Q&A: Do you still need flood insurance if you are outside a high-risk flood zone or your lender no longer requ...
08/20/2026

Insurance Q&A: Do you still need flood insurance if you are outside a high-risk flood zone or your lender no longer requires it? A lender’s requirement and a property’s actual flood exposure are not the same thing. Heavy rainfall, overwhelmed drainage, and water moving from nearby streets or canals can affect properties outside designated high-risk areas. Review the building, contents, deductible, and waiting-period provisions before deciding. E&L can help compare available Florida flood insurance options at https://www.eandlinsurance.com.

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1241 Southwest 27th Avenue
Miami, FL
33135

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Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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