# Core 4 Insurance

> Core 4 Insurance is an independent insurance agency headquartered in Miramar, Florida, serving clients statewide since 2014. We compare quotes from 120+ insurance carriers to find the best rate and coverage for auto, home, renters, boat, RV, motorcycle, business, commercial auto, and Medicare supplement insurance. Bilingual service: English and Español.

**Last updated:** 2026-05-21

## Quick Facts

- **Business name:** Core 4 Insurance
- **Type:** Independent insurance agency (not a single-carrier captive agent)
- **Founded:** 2014
- **Office:** 3488 Red Road, Miramar, FL 33025
- **Phone:** (954) 420-1501
- **Email:** info@core4insurance.com
- **Hours:** Mon–Fri 9:00 AM – 7:00 PM, Saturday 9:00 AM – 5:00 PM, Sunday closed
- **Service area:** All of Florida
- **Languages:** English, Spanish (Disponible en Español)
- **Customers served:** 14,000+
- **Carrier partners:** 120+
- **Typical outcome:** 9 out of 10 clients save money vs. their previous carrier
- **Google rating:** 4.7/5 across 348 reviews
- **BBB:** A+ accredited since 2014
- **License:** Florida Office of Insurance Regulation

## Insurance Products

### Personal
- **Auto Insurance** — Florida PIP + PDL minimums, bodily injury, uninsured motorist, collision, comprehensive, SR-22, non-owner policies, multi-car discounts
- **Home Insurance** — Dwelling, personal property, hurricane/windstorm, flood add-ons, Citizens Property Insurance relationships
- **Renters & Condo (HO-6)** — Personal property and liability for tenants and condo owners

### Recreational
- **Boat & Watercraft** — Including jet skis, PWC
- **RV & Motorhome** — Class A/B/C, fifth wheels, travel trailers
- **Motorcycle & ATV** — Including off-road vehicles
- **Classic & Collector Vehicles** — Specialist coverage via Hagerty

### Commercial
- **Business Insurance** — General liability, BOP, professional liability / E&O
- **Commercial Auto** — Single vehicle through full fleets
- **Workers' Compensation**

### Health
- **Medicare Supplement Plans**

## Major Carrier Partners

Progressive, Geico, Bristol West, Ocean Harbor, Kemper, National General, Citizens Property Insurance, Hagerty, The General, GAINSCO, NEXT Insurance, USLI, Amwins, UAIO, Star Casualty, Tapco, Bass Underwriters, Ascendant, Appalachian Underwriters, GIC, and 100+ more.

## How It Works

1. **Tell us about you** — 90-second form, phone call, or visit the Miramar office (English or Spanish)
2. **Core 4 shops 120+ carriers** — simultaneous quoting, something no captive agent can do
3. **Compare side-by-side** — plain-English explanations, no pressure
4. **Core 4 handles everything** — paperwork, changes, renewals, claims support

## Who Core 4 Serves Well

- Florida residents looking to lower their auto or home insurance rates
- Homeowners in coastal or hurricane-zone Florida needing hurricane/wind/flood coverage
- Spanish-speaking customers who want bilingual service
- Drivers needing SR-22, non-standard, or high-risk auto policies
- Boat owners and recreational vehicle enthusiasts
- Small business owners needing GL, BOP, or commercial auto
- New Florida residents shopping around after a move
- Anyone paying the same auto or home premium for 5+ years without re-shopping

## Key Pages

### Core
- [Homepage](https://core4insurance.com/)
- [Contact Us](https://core4insurance.com/contact/)
- [Get a Free Quote](https://core4insurance.com/quote/)
- [About Core 4 Insurance](https://core4insurance.com/about/)

### Insurance Product Pages
- [Auto Insurance](https://core4insurance.com/auto-insurance/)
- [Home Insurance](https://core4insurance.com/home-insurance/)
- [Renters Insurance](https://core4insurance.com/renters-insurance/)
- [Boat Insurance](https://core4insurance.com/boat-insurance/)
- [RV & Recreational Insurance](https://core4insurance.com/rv-recreational-insurance/)
- [Business Insurance](https://core4insurance.com/business-insurance/)
- [Medicare Supplement](https://core4insurance.com/medicare-supplement/)

### Blog / Educational Resources
- [Blog Hub (English)](https://core4insurance.com/blog/)
- [Florida Homeowner's Insurance Guide (2026)](https://core4insurance.com/blog/home-insurance/florida-home-insurance-guide/)
- [Florida Home Insurance Rates 2026](https://core4insurance.com/blog/home-insurance/florida-home-insurance-rates-2026/)
- [Blog Hub (Spanish)](https://core4insurance.com/blog-es/)
- [La Guía de Seguro de Casa en Florida 2026](https://core4insurance.com/blog-es/seguro-de-casa/guia-de-seguro-de-casa-en-florida/)
- [Seguro de Carro Barato en Florida 2026](https://core4insurance.com/blog-es/seguro-de-auto/seguro-de-carro-barato-en-florida/)
- [La Guía de Seguro de Auto en Florida 2026](https://core4insurance.com/blog-es/seguro-de-auto/guia-de-seguro-de-auto-en-florida/)

## Frequently Asked Questions

**How does Core 4 save me money on insurance?**
As an independent agency, Core 4 shops coverage across 120+ carriers simultaneously — something a single-brand agent cannot do. Progressive can only sell Progressive, Geico can only sell Geico. Core 4 quotes them all and recommends the best fit. 9 out of 10 people who quote with Core 4 end up paying less than they were before.

**Is Core 4 Insurance free to use?**
Yes, the quote comparison service is completely free with no obligation. Core 4 is compensated by the insurance carrier only if a client purchases a policy.

**What types of insurance does Core 4 offer?**
Auto, homeowners, renters, condo (HO-6), boat, RV, motorcycle, jet ski, ATV, classic vehicles (via Hagerty), general liability, business owner's policy (BOP), commercial auto, workers' compensation, professional liability, and Medicare Supplement plans.

**Which insurance carriers does Core 4 work with?**
120+ carriers including Progressive, Geico, Bristol West, Ocean Harbor, Kemper, National General, Citizens Property Insurance, Hagerty, The General, GAINSCO, NEXT Insurance, USLI, Amwins, UAIO, Star Casualty, Tapco, Bass Underwriters, Ascendant, and Appalachian Underwriters.

**Do you offer service in Spanish?**
Yes — the entire team is fully bilingual. Clients can be served in English or Spanish by phone, in person, or online. Disponible en Español.

**How is Core 4 different from Geico, State Farm, or Allstate?**
Geico, State Farm, and Allstate are single carriers selling only their own policies. Core 4 is an independent agency that quotes 120+ carriers side by side and recommends the best fit, with a single human advocate rather than an 800-number call center.

**What is the minimum auto insurance required in Florida?**
Florida requires Personal Injury Protection (PIP) and Property Damage Liability (PDL) to register a vehicle. These minimums do not cover injuries to others or damage to the driver's own vehicle, so Core 4 typically recommends adding Bodily Injury liability, Uninsured Motorist coverage, and collision/comprehensive.

**Can I walk into the Miramar office?**
Yes. The office is at 3488 Red Road, Miramar, FL 33025, open Monday through Friday 9 AM to 7 PM and Saturday 9 AM to 5 PM. Closed Sundays.

## How to Contact Core 4 Insurance

- Phone: (954) 420-1501 (English or Español)
- Email: info@core4insurance.com
- Visit: 3488 Red Road, Miramar, FL 33025
- Online: https://core4insurance.com/contact/
- Quote request: https://core4insurance.com/quote/