One Review.
Total Protection.
Florida's JustShield™ Insurance Review identifies hidden risks, coverage gaps, and savings opportunities across your Auto, Home, Medicare, ACA, Life, and Business insurance — free, bilingual, no obligation.
The JustShield™ Protection Review
Most agencies sell you one policy and move on. We review your entire household or business risk profile — all at once, at no cost — so nothing falls through the cracks.
Auto Risk
Are you over-insured on an old car or dangerously under-covered on a new one? We compare your current policy against 20+ carriers.
Home & Flood
Florida homeowners face unique storm, flood, and wind risks. We identify gaps your current carrier may not be telling you about.
Health & ACA Fit
Are you on the right ACA plan for your income and family size? We run the numbers — including subsidy eligibility — at no cost.
Medicare Alignment
Turning 65 or already on Medicare? We review your Part D, Advantage, and Supplement options every year to make sure you're not overpaying.
Life Protection Gap
We calculate the actual income-replacement gap your family would face and show you the most affordable way to close it.
Commercial Exposure
Business owners often carry the wrong limits or miss key coverages. We audit your commercial lines against your actual operations.
One appointment. Your entire protection picture. No obligation.
Every Life Change Needs a Coverage Check
Major life events create insurance gaps that cost Florida families thousands. Tell us where you are — we'll tell you exactly what to do.
Turning 26
Aging off a parent's health plan? We'll find you the best ACA or private health option before your coverage lapses.
Buying a Car
Don't let the dealership pick your insurance. We compare 20+ carriers to get you the right coverage at the right price.
Buying a Home
Lenders require homeowners insurance — but the cheapest policy isn't always the right one for Florida's storm and flood risks.
Turning 65
Medicare enrollment has strict deadlines. Miss them and you pay penalties for life. We guide you through every option, free.
Opening a Business
General liability, commercial auto, workers' comp — we build the right commercial package for your Florida business.
Moving to Florida
Florida insurance is different. Higher storm risk, unique PIP auto laws, flood zones. We translate it all for you.
Before You Renew, Compare in 15 Minutes
Florida drivers and homeowners overpay by an average of $400–$900 per year by auto-renewing without comparing. Don't be one of them.
Share Your Current Policy
Send us your renewal notice or current declarations page — takes 2 minutes.
We Compare 20+ Carriers
Our agents run your profile against every carrier we represent. No forms, no spam.
You Decide — Zero Pressure
We show you the options. You choose. If your current carrier is best, we'll tell you that too.
Available for Auto, Home, and Health renewals.
13 Lines of Insurance. One Trusted Advisor.
From your family's health to your business's future — every line reviewed together so your coverage actually works as a system.
Health Insurance
ACA Marketplace · Private Health Insurance · Discount Plans — individual & family coverage for every budget.
Learn MoreMedicare
Part D · Medicare Advantage · Supplementals — expert guidance on all Medicare options at no cost to you.
Learn MoreLife Insurance
Term, whole, and universal life coverage to protect your family's future.
Learn MoreAuto Insurance
Florida-compliant auto coverage with competitive rates and real protection.
Learn MoreHomeowners
Protect your Florida home from storms, floods, and the unexpected.
Learn MoreRenters
Affordable renters insurance to protect your belongings wherever you call home.
Learn MoreDental Insurance
Individual & family dental plans covering preventive, basic, and major services.
Learn MoreVision Insurance
Affordable vision plans covering eye exams, glasses, and contact lenses.
Learn MoreGeneral Liability
Protect your business from third-party bodily injury, property damage, and legal claims.
Learn MoreWorkers' Compensation
Cover your employees' medical expenses and lost wages if they're injured on the job.
Learn MoreCommercial Auto
Coverage for business-owned vehicles, fleets, and drivers operating on the job.
Learn MoreCommercial Property
Protect your business location, equipment, and inventory from damage or loss.
Learn MoreGarage Keepers
Liability coverage for auto dealers, repair shops, and service centers holding customers' vehicles.
Learn MoreWe Don't Sell Policies. We Build Protection Plans.
One File. Your Entire Coverage Life.
We organize every policy — health, auto, home, life, Medicare, commercial — under one household or business profile. When something changes, we review the whole picture, not just one line.
Bilingual. Bicultural. Florida-Native.
Our agents speak English and Spanish fluently — not just translated scripts. We understand the South Florida community, the Miami-Dade market, and the real concerns of immigrant and multigenerational families.
Renewal Rescue — Before You Overpay Again.
Most Florida families auto-renew without comparing. We run a 15-minute renewal check on your auto, home, or health policy before it renews — and find savings the carrier won't tell you about.
One Appointment. Your Entire Protection Picture.
Florida families are overpaying because their policies are disconnected. In one free appointment, we review Auto, Home, Health, Medicare, Life, and Business coverage together — and show you exactly where the gaps and savings are.
Book a Free Protection Review
No obligation · No pressure · Bilingual
Our agents are available Monday–Saturday, 9am–6pm EST. English and Spanish.
Book My Free AppointmentOr call us: (716) 424-5479We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Credentials & Accreditations
Florida Licensed
All Lines · Statewide
HIPAA Compliant
Health Data Protected
CMS Certified
Medicare Marketing
Bilingual Agents
English & Spanish
BBB Accredited
A+ Rating
Free Consultations
No Obligation
Real Florida Families. Real Results.
Real outcomes from real Florida families — not stock photos or made-up quotes.
"They reviewed my Medicare, my auto, and my health plan in one appointment. I was overpaying on two of them and didn't even know it. Saved over $1,200 a year."
"We bundled our home and auto and saved over $800 a year. But what really impressed us was how they explained everything in Spanish — clearly, no pressure. They feel like family."
"As a small business owner I needed someone to audit my full commercial exposure — not just sell me a policy. Just Insurance did exactly that. Covered in 48 hours, no gaps."
Why Families Choose Just Insurance Over the Alternatives
| Feature | Just Insurance | Online Aggregators | Captive Agents |
|---|---|---|---|
| Reviews all 13 lines together | — | — | |
| Bilingual (English & Spanish) | — | — | |
| No-pressure free consultation | — | — | |
| Local Florida agent you can call | — | ||
| Compares 20+ carriers | — | ||
| HIPAA & CMS compliant | — | — | |
| Renewal rescue review | — | — |
Guides & Checklists
Practical, printable guides written by licensed Florida agents — no jargon, just the steps you need.
Annual Protection Timeline
Know exactly when to review each coverage line — so you never miss a deadline, overpay at renewal, or lose a subsidy.
ACA Open Enrollment Closes
Last day to enroll in or change a Marketplace health plan for the current year. Missing this date means waiting until next November.
Auto & Home Renewal Season
Most Florida auto and home policies renew in spring. Run a Renewal Rescue comparison 30–45 days before your renewal date to lock in savings.
Medicare Special Enrollment Period
Jan 1 – Mar 31 Medicare Advantage Open Enrollment closes. If you switched plans in January, April 1 is your last day to make another change.
Mid-Year Coverage Check
Life events (new job, marriage, baby, divorce) trigger Special Enrollment Periods. Review your ACA, life, and commercial coverage mid-year.
Medicare AEP Opens
Annual Enrollment Period begins. You have until December 7 to switch Medicare Advantage or Part D plans. Jaime reviews your current plan free.
ACA Open Enrollment Opens
Marketplace plans open for the following year. Income changes, new dependents, or carrier exits may mean a better plan is available.
Medicare AEP Closes
Last day to switch Medicare Advantage or Part D plans. New coverage takes effect January 1. Don't auto-renew without a comparison.
Jaime sends free reminders before every key date — no obligation, just protection.
Book My Annual ReviewClient Success Stories
Real outcomes from real South Florida families and businesses — not stock photos or made-up quotes.
Auto Insurance
Homestead family was auto-renewing with the same carrier for 6 years. Renewal Rescue comparison found $1,184 in annual savings.
Medicare
Reviewed a Miami-Dade senior's Part D and Advantage plan. Switched carriers during SEP — reduced annual drug costs by $2,600.
ACA Health
Florida family of four was paying full premium. Jaime identified subsidy eligibility they didn't know existed — saving $847 per month.
Commercial
Florida contractor was over-classified on workers' comp. Corrected the classification and renegotiated — 22% premium reduction.
What Our Clients Are Saying
Real reviews from real Florida families — straight from Google.
Yamilka García Gil
May 2026
"Excellent service! He was extremely efficient, professional, and attentive throughout the entire process. He took the time to carefully understand both my child's and my needs and worked hard to find the best insurance options for us. I truly appreciated his patience, knowledge, and dedication. I highly recommend him to anyone looking for reliable and personalized help with health insurance."
Yt Capolot
June 2026
Jamie helped a lot — fast responder and gets the best plans for you and your loved ones. Would recommend 100 percent.
Sinahi Cardero
May 2026
Thanks to Jaime and his team at Just Insurance Services for all the help with my health and car insurance. I highly recommend them! They are very professional.
Leydis Ricardo Santiesteban
October 2025
I want to thank the team for their excellent service. They treated me with great courtesy and efficiency, and helped me at every turn. It was a very good experience.
Nathalia Vargas
September 2025
The person who helped me through the process of getting the health insurance that best suited my personal medical needs was extremely professional, respectful, and able to answer all my questions. Thank God and him, I'll soon be able to see the specialists I need!
Marlon Vazquez
September 2025
Very friendly and very good service. Thank you!
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Just Insurance Svcs is accredited by the Better Business Bureau — a commitment to trust, transparency, and resolving customer concerns.
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Just Insurance Svcs is fully HIPAA compliant. We never store, share, or sell your personal health information without your explicit written consent. All data collection follows CMS marketing guidelines and federal privacy regulations. Your trust is the foundation of everything we do.