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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 possible 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!

If hurricane damage made your home temporarily uninhabitable, where would you stay — and what would your policy pay? Add...
10/16/2026

If hurricane damage made your home temporarily uninhabitable, where would you stay — and what would your policy pay? Additional living expense or loss-of-use coverage may help with certain increased living costs after a covered loss, subject to the policy’s terms and limits. It’s one of those coverages people often overlook until they need it. Check the limit on your declarations page and ask questions now rather than after a claim. Visit https://www.eandlinsurance.com.

Tu seguro merece más que una revisión del precio. Al renovar tu póliza de casa en Florida, revisa también los deducibles...
10/15/2026

Tu seguro merece más que una revisión del precio. Al renovar tu póliza de casa en Florida, revisa también los deducibles, límites de cobertura, protección contra daños por agua, techo y otras exclusiones o cambios. El mercado de seguros está cambiando y puede haber diferentes opciones disponibles según tu propiedad. En E&L Insurance podemos ayudarte a comparar tus opciones y entender tu cobertura. Llámanos al (305) 541-1002.

Condo association insurance and your personal condo policy do different jobs. Your association’s master policy may insur...
10/14/2026

Condo association insurance and your personal condo policy do different jobs. Your association’s master policy may insure portions of the building, but your HO-6 policy can address your personal property, liability, loss of use and portions of the unit for which you’re responsible. The dividing line depends on the association documents and policy terms. If you haven’t reviewed your condo coverage lately, bring both sets of documents into the conversation. Call (305) 541-1002.

Your homeowners renewal arrives and the premium is lower. Great news — but keep reading. Compare your dwelling limit, hu...
10/14/2026

Your homeowners renewal arrives and the premium is lower. Great news — but keep reading. Compare your dwelling limit, hurricane deductible, other deductibles, roof settlement provisions, water coverage, exclusions and endorsements against your expiring policy. Florida’s insurance market is becoming more competitive, but the least expensive policy isn’t automatically the right fit for every home. E&L can help you compare the details, not just the bottom line. Visit https://www.eandlinsurance.com.

Thinking about flood insurance because a storm is approaching may be too late. Flood policies commonly have a waiting pe...
10/09/2026

Thinking about flood insurance because a storm is approaching may be too late. Flood policies commonly have a waiting period before coverage becomes effective, although exceptions can apply in certain situations. That’s one reason flood coverage is best treated as an annual insurance decision — not a last-minute hurricane purchase. And remember: homeowners insurance generally does not cover flooding caused by rising water. Want to understand your private flood and NFIP options? Call (305) 541-1002.

If a covered loss temporarily shuts down your business, repairing the building may be only part of the financial problem...
10/08/2026

If a covered loss temporarily shuts down your business, repairing the building may be only part of the financial problem. What happens to lost income, continuing expenses or payroll while operations are interrupted? Business income coverage can be an important part of a commercial insurance program, but limits, waiting periods and covered causes of loss matter. Florida business owners should know how their policy responds before an interruption occurs. Visit https://www.eandlinsurance.com to review your commercial coverage.

Replaced your roof? Added impact windows or doors? Made other wind-resistant improvements? Your insurance records don’t ...
10/07/2026

Replaced your roof? Added impact windows or doors? Made other wind-resistant improvements? Your insurance records don’t necessarily update themselves. Florida’s wind mitigation inspection form was updated in 2026, making this a good time to make sure your documentation accurately reflects your home’s current features. Qualifying improvements may affect available credits, but eligibility and savings vary by property and carrier. Have questions about your current policy? Call E&L at (305) 541-1002.

You can be a careful driver and still be hit by someone who has little or no insurance. That’s where uninsured/underinsu...
10/06/2026

You can be a careful driver and still be hit by someone who has little or no insurance. That’s where uninsured/underinsured motorist coverage may become important. It can provide protection for you and qualifying passengers when an at-fault driver doesn’t have enough liability coverage for covered injuries. Florida auto insurance has a lot of moving pieces, so don’t judge a quote by the monthly premium alone. Ask what you’re gaining — or giving up. Visit https://www.eandlinsurance.com.

Are you insured by Citizens? January 1 is getting closer. Beginning January 1, 2027, most remaining Citizens personal re...
10/05/2026

Are you insured by Citizens? January 1 is getting closer. Beginning January 1, 2027, most remaining Citizens personal residential policies that include wind coverage will need qualifying flood insurance, regardless of the home’s value. Some policy types are exempt, so it’s important to understand what applies to your specific policy. If you’ve been putting off the flood conversation, October is a good month to review your options before the year-end rush. Call (305) 541-1002 to discuss flood coverage.

It’s October, but Florida hurricane season isn’t over. The Atlantic season officially continues through November 30, and...
10/02/2026

It’s October, but Florida hurricane season isn’t over. The Atlantic season officially continues through November 30, and coverage changes can become difficult or temporarily unavailable when a tropical system threatens Florida. Instead of another hurricane checklist, use October to answer one question: Do I know what my current policy would actually cover? Review your hurricane deductible, dwelling limit, loss-of-use coverage and flood policy now, while the weather is quiet. Questions? Call E&L Insurance at (305) 541-1002.

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1241 Southwest 27th Avenue
Miami, FL
33135

Opening Hours

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

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