Independent agency, serving Florida
Florida Auto & Home Insurance Made Simple
Sparks Insurance compares multiple companies to help families find the right coverage and price, with personal help from a real insurance advisor.
No obligation · Takes about 10 minutes · Or call and we'll fill it out with you
Your local advisor
Randy Sparks
President, Sparks Insurance
- Independent AgencyWe compare many companies, not just one
- RamseyTrustedRecommended by Ramsey Solutions
- Trusted Since 1983Four decades, same family agency
We compare companies you already know
Available companies vary by coverage type and location.
What we cover
One agency for the policies that protect your family
Most people come to us for auto and home together, which is usually where the savings are, but we write the rest too.
Auto
Coverage and pricing options compared across a wide range of companies, not just one.
Home
Protecting your most valuable asset is serious business. We're here to do exactly that.
Umbrella
Extra liability protection that sits above your auto and home limits.
Life
Term coverage sized to what your family would actually need.
How it works
Four steps, and you'll know exactly where you stand
No surprises about what we ask for or how long it takes.
- 01
Tell us about you
You fill out the quote form: drivers, vehicles, and details about your home.
- 02
We shop it
We run your information through our rater and compare multiple companies side by side.
- 03
We walk you through it
A real advisor explains your options and what we'd recommend, in plain language.
- 04
You decide
Happy with what you see? We write the policy for the start date you choose.
About that form: it's thorough on purpose. The more we know up front, the more accurate your quotes come back. Set aside about ten minutes, or call 800-943-9514 and an advisor will go through it with you over the phone.
Florida specifics
Built for how Florida actually prices insurance
Florida homeowners policies carry a separate hurricane deductible, and flood is never included. It is always a separate policy. Those two facts catch more people out than anything else in this state.
- Wind mitigation inspections can earn credits that move your premium more than shopping alone.
- Flood quoted separately, through the NFIP or a private carrier.
- Roof age and shape drive Florida home pricing harder than almost anything else.
What clients say
I was thoroughly impressed with the service [Randy] provided me. I felt like I mattered! Not only did I get a phone call, I got a follow-up email as well as a nice handwritten note in the mail. The extra contact was unexpected, but greatly appreciated!
Kathy
Personal insurance customer, Florida
Ready to see what you'd actually pay?
Start your comparison now, and find out what it's like to work with an independent agency that treats you like a person, not a policy number.
Or call us directly
800-943-9514