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Dwelling, contents, liability, and the Florida-specific pieces — windstorm coverage and wind mitigation credits that lower what you pay.
Licensed Property & Casualty Agent · Juno Beach, Florida
I'm Santino Duva. I shop your home, auto, and business coverage across multiple carriers, explain what you're actually buying, and answer the phone myself when something goes wrong.
What I write
Independent agency access means I'm not locked into one carrier. I compare what's available and bring you personalized coverage designed to fit your lifestyle and budget.
Homeowners
Dwelling, contents, liability, and the Florida-specific pieces — windstorm coverage and wind mitigation credits that lower what you pay.
Personal auto
Liability, collision, comprehensive, and uninsured motorist. I'll walk you through what Florida requires versus what you actually want.
Business
General liability, property, and commercial auto for local contractors, shops, and service businesses along the coast.
Tenants
Protects your belongings and your liability for a fraction of what most people expect. Often required by the lease anyway.
Excess liability
Extra liability limits stacked above your home and auto policies. Worth a conversation if you own property, a boat, or a business.
Flood
Your homeowners policy does not cover flood — it's a separate policy. I write both NFIP and private flood, and I'll tell you straight what your zone actually means.
Why work with me
I'm on the water in Jupiter. I know what a hurricane deductible means in practice, why a 1978 roof changes everything, and what a boat lift does to your liability picture. That context doesn't come through a call center.
Insurance is sold badly most of the time — fast quotes, thin coverage, and nobody around when you file. My work is the opposite of that. I'd rather spend twenty minutes on the phone getting your limits right than sell you the cheapest thing on the screen.
Free quote
Send this over and I'll come back with real numbers, usually the same business day. No obligation, no automated follow-up sequence.
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Find me
The office
14153 US Highway 1
Juno Beach, FL 33408