About Core 4 Insurance
Your trusted partner in insurance excellence.
Independent, family-first, and proudly Florida. Since 2014, Core 4 Insurance has helped more than 14,000 families, drivers, and business owners save money without sacrificing coverage — by shopping 120+ carriers on their behalf.
Core 4 By the Numbers
Built in Florida. Built for Floridians.
Core 4 Insurance opened its doors in 2014 with a simple idea: insurance should be easier to shop, easier to understand, and priced fairly — without the hard sell that clients get from captive one-carrier agents.
We're an independent agency based in Miramar, serving every corner of Florida. Because we're not tied to any single insurer, we compare rates across 120+ carriers and recommend the one that actually fits — whether that saves you $200 a year or $2,000.
9 out of 10 clients save money when they switch to Core 4. The rest usually upgrade their coverage for roughly what they were already paying. Either way, they walk out better off than they came in — and that's the only scoreboard we keep.
Four values. One Core.
We don't sell policies — we protect people. These are the principles we've shown up with every day since 2014.
Dedicated to Protection
Serving individuals, families, and businesses with insurance solutions for every need — from a first car to a fleet of them.
Trusted Since 2014
A decade-plus of making insurance accessible, affordable, and transparent for our Florida neighbors.
Our Values
Integrity first. Innovation always. A genuine passion for service — no scripts, no pressure, no surprises at renewal.
Independent Advantage
Partnered with 120+ top-rated carriers so we recommend the best rate and coverage for you — never for a sales quota.
A captive agent sells you one brand.
We shop all of them.
Progressive can only sell Progressive. Geico can only sell Geico. Core 4 quotes all of them — and 118 more — then recommends the one that actually fits your situation best.
Single-carrier agents
- ✕Locked into one insurance company's pricing and rules
- ✕You do the legwork calling around for better rates
- ✕Renewal hikes often force you to re-shop every year
- ✕Agent's paycheck depends on pushing their brand
- ✕Limited coverage options for boats, RVs, commercial, etc.
Independent & on your side
- ✓120+ carriers compared in one quote — side by side
- ✓We re-shop at renewal so you never overpay silently
- ✓One agent for everything: auto, home, boat, business, Medicare
- ✓Bilingual service — disponible en español
- ✓9 out of 10 clients save switching to Core 4
Florida rates us
4.7 out of 5.
"Saved over $800 a year switching my home and auto to Core 4. They explained everything, no pressure, and the Spanish option made it easy for my parents too."
"Our small business needed GL and commercial auto fast. Core 4 quoted three options the same day — and got us better coverage for less than we were paying."
"I've used Core 4 for my boat, RV, and truck for years. They re-shop my rates every renewal without me even asking. That's how an agent should be."
Every Florida household, every Florida business.
Whatever matters to you, there's a policy we can shop for it. If it's on the road, in the water, on the property, or keeping the lights on at your business — we cover it.
Florida Families
Auto, home, renters, life, and umbrella coverage that grows with your household.
Homeowners & Condos
Windstorm, flood, and HO-6 policies built for Florida's climate and coastlines.
Small Business Owners
General liability, BOP, workers' comp, and E&O for Main Street and beyond.
Boat & RV Owners
Specialty coverage for boats, jet skis, RVs, motorcycles, ATVs, and classic vehicles.
Commercial Fleets
Single-vehicle to multi-unit commercial auto — contractors, trucking, and delivery.
Florida Seniors
Medicare Supplement plans from top-rated carriers, explained in plain English.
Nuestra Comunidad
Servicio completo en español — cotizaciones, pólizas, y reclamos sin barreras.
Renters
Affordable renters insurance for apartments, townhomes, and shared living.
Drivers with SR-22
Hard-to-place auto and high-risk drivers — we'll find a carrier that'll take you.
Stop by, call, or click.
We're based in Miramar and serve clients all across Florida. Walk in with your current policy, give us a call, or start your quote online — whatever's easiest for you.
Saturday: 9:00 AM – 5:00 PM
Sunday: Closed
Let's see how much you'll save.
A quote takes about 90 seconds and costs you nothing. We'll compare 120+ carriers and only get back to you if we can genuinely beat what you've got now.