Discover The Radiant Difference


Radiant Insurance Agency was established to provide Florida homeowners with a comprehensive approach to homeowners insurance. Instead of focusing on “lowest cost” policies that leave homeowners vulnerable to exclusions and coverage sublimits, we focus on securing underwriting that provides stability, transparency, and across-the-board protection.

Excellence in underwriting and products

Radiant Insurance Agency offers insurance policies underwritten by the best, to provide high quality products, exceptional claim service, and competitive rates. We use certified inspectors to verify the most important aspects of every property we cover to minimize risk, and use a one-on-one underwriting approach to maintain company stability while giving Floridians the best coverage possible.

Insurance products available from Radiant carriers set the industry benchmark for excellence, and provide additional protections and coverages beyond those available on most standard policies. Our agents don’t stop with “good enough” protection. Every policy we write is designed for top level coverage, and backed by best in class carriers.

Broad coverage that shines.

Flexible policy options meet your unique targeted needs, from general coverage and affordable premiums to elevated levels of protection:
  • Every basic policy our agents write has Ordinance and Law coverage — often more than the industry standard of 10%
  • Personal property coverage can be scheduled as part of your homeowners policy for cost-effective, convenient protection of valuables
  • Full replacement cost coverage on contents, regardless of age or condition, can be added to your policy to cover virtually any amount
  • Animal liability and water backup can be endorsed on to your policy
  • Options for pool screen enclosure coverage (including frames and screens), and coverage for damages caused by wind-driven rain
  • Any home insured to $250,000 could also qualify for $500,000 in Liability Limits
  • Radiant policyholders can opt to add affordable expanded coverages to their policy, boosting coverage limits on specific valuables and adding protection against unexpected events
  • We write policies with carriers whose water damage coverage include some of the broadest in the Florida market, delivering increased protection against this common vulnerability
  • Flat hurricane deductibles can often be optionally set at a flat rate of $500 or $1000, lowering your out-of-pocket costs in case of a catastrophic event