We are a leading provider of Property, Commercial, Life, Health, and Auto insurance in Florida. We are committed to providing our clients with the best possible coverage, at the most competitive rates.
Flood insurance provides specific protection for your home from the peril of rising flood waters, which is not covered under standard home insurance policies.
For homeowners in high-risk flood zones (1 in 100 year risk zones), flood insurance is required by mortgage lenders, ensuring that you have the necessary coverage to safeguard your home.
In low-risk flood zones (1 in 500 year risk zones), flood insurance is optional. However, it still offers valuable protection for homeowners in these areas, giving them peace of mind against potential flood damages.
Flood insurance offers different coverage types, including building coverage, content coverage, temporary living expenses, and detached structure coverage. This allows homeowners to tailor their coverage based on their specific needs and level of risk.
Flood insurance includes coverage for temporary living expenses, providing additional money to pay for accommodations and food when homeowners are displaced from their homes due to flood damage.
By obtaining an elevation certificate, homeowners in high elevation areas can prove their lower flood risk to insurance companies, potentially qualifying for discounts on their flood insurance rates.
Whether you're looking for more information about our products or services, or you have a specific question about your coverage, we're here to help.
Florida does not require flood insurance, but if you live in a designated flood zone, your mortgage lender may require you to have flood insurance as a loan condition.
Yes, you can purchase flood insurance regardless of whether you're in a high-risk flood zone or not. Many flood-related losses occur in areas that are not considered high-risk zones.
You can purchase flood insurance anytime, but there's usually a 30-day waiting period before the coverage becomes effective. However, exceptions exist, such as when purchasing insurance for a new loan, where the waiting period may be waived.
President & Founder
Leo is an entrepreneur and an insurance professional with over 25 years of experience. He founded Alltrust Insurance Group in 2000, continues to push Alltrust forward with his client-centric and solutions-focused attitude. Leo actively services clients in additional to leading the team. Leo speaks English and Spanish.
Vice President Since 2005
As Alltrust Insurance Group’s Vice President, Vadim’s creates a seamless, personable experience for all clients who rely on Alltrust for all of their insurance needs. Vadim rolls up his sleeves to get the job done and to create a satisfactory experience for clients. Vadim speaks English and Russian.
Property & Casualty / Life & Health (Specialty in Homeowners, Commercial, & Health) Since 2015
Alevtina’s technical knowledge and creativity guides her to the right solutions for her clients. She specializes in Homeowners, Commercial, Life and Health insurance, allowing her to cater to her specific insurance needs and to serve as a sctrong resource. She is multi-lingual, and speaks English, Russian, and Spanish.
Personal Lines Agent (Specialty in Homeowners, Condo, & Auto) Since 2000
With 20+ years of experience in Homeowners, Condominium and Auto insurance, Jorge proficiently navigates the dynamic insurance marketplace for clients with varying profiles and insurance needs. Jorge can speak English and Spanish.
Personal Lines Agent (Specialty in Auto, Condo, & Homeowners) Since 2020
Olga is an Auto, Condominium and Homeowners insurance specialist who speaks English and Russian. She communicates with her clients through every step of the process and her clients always comforted by her personable nature. Olga speaks both English and Russian.
Personal Lines Agent (Specialty in Auto, Condo, & Homeowners) Since 2020
The insurance market is constantly changing, and Kate brings her ingenuity and stellar communication skills to the table. Her specialties include Auto, Condominium and Homeowner’s insurance, and she speaks English and Russian.
Personal Lines Agent (Specialty in Auto, Homeowners, & Condo) Since 2005
Sandra is equipped with 18+ years of experience in Auto, Homeowners and Condominium insurance. She’s easily accessible and responsive to her clients – making her a reliable and knowledgeable resource. She speaks English and Spanish.
Personal Lines Agent (Specialty in Auto, Condo, & Homeowners) Since 2010
When the questions and problems require a nonstandard approach, Vlad delves into his creativity to find the appropriate answers and solutions. Vlad’s clients can count on him to provide resourceful and current information to his clients about their insurance profile and their Auto, Condominium and Homeowners insurance. Vlad is bilingual and speaks English and Russian.
Personal Lines Agent (Specialty in Homeowners, Condo, & Auto) Since 2021
Yoandra strives to provide strong service and solutions to her clients. She specializes in Homeowners, Condominium and Auto insurance, and speaks English and Spanish. Yoandra communicates clearly, and her clients often describe her as being personable.
Licenced Agent. Since 2023
Dylan is an energized self-starter who finds comprehensive and competitive solutions for his clients. Dylan primarily works on Homeowners, Condo, and Auto insurance. He speaks English.
Home & Auto agent
Yuliia’s bright and congenial personality, in addition to her professionalism and attention to detail, aid her in delivering excellent service to her clients. She speaks English, Russian, and Ukrainian. Her coverage specializations are Home and Auto.
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