Mayelin and Suset helped me get the best rate on my homeowners insurance. They walked me through every option and answered all my questions. I've been a client for 3 years and they've never let me down.
Serving Cutler Bay & South Florida
Insurance That Protects
Insurance That Protects
What You've Built
Your local, bilingual insurance agency in Cutler Bay. We shop dozens of top-rated carriers to find you the best coverage at the lowest price — for your home, car, and business.
Licensed Florida Agent
Bilingual Team (EN/ES)
23,000+ Followers
Local Cutler Bay Office
What We Offer
Full-Coverage Insurance for South Florida Life
From hurricane-proof homeowners policies to affordable health plans — our bilingual team shops the market so you don't have to.
Homeowners Insurance
Protect your biggest investment from hurricanes, floods, and liability. We find you the best rates from Florida's top-rated carriers.
Get a QuoteAuto Insurance
Florida requires minimum PIP coverage — but we'll make sure you're fully covered without overpaying. SR-22 and non-owner policies available.
Get a QuoteFlood Insurance
Standard homeowners doesn't cover flooding. In Miami-Dade, flood insurance isn't optional — it's essential. NFIP and private flood options available.
Get a QuoteCommercial Insurance
General liability, BOP, commercial auto, and workers' comp for South Florida businesses. We protect what you've built.
Get a QuoteHealth Insurance
ACA Marketplace plans with subsidies you qualify for. Open enrollment, special enrollment, and year-round health plan guidance.
Get a QuoteLife Insurance
Term and whole life policies that give your family financial security. Affordable monthly premiums with coverage that actually pays out.
Get a Quote
Why Lumina Insurance?
A Local Team That Works for You — Not the Carrier
Truly Local — Cutler Bay Office
We live and work in this community. When you call, a real person who knows Miami-Dade's unique risks answers — not a call center.
We Shop Dozens of Carriers
As an independent agency, we compare rates from multiple A-rated Florida carriers to get you the best price and coverage combination.
Bilingual Service (English & Spanish)
Our agents — Mayelin, Suset, and Liz — serve the entire South Florida community in both English and Spanish with warmth and expertise.
Claims Support When You Need It Most
We don't disappear after you buy. When a claim happens, we're in your corner — helping you navigate the process from start to finish.
What Our Clients Say
Trusted by South Florida Families
Best service in Miami for car and health insurance. The prices are the best and the attention is amazing. Liz has been my agent for 3 years now — I recommend her for home, life, and auto.
Lisbeidy helped me find affordable flood insurance I didn't even know I needed in Homestead. After the last hurricane season, I'm so glad I listened. Professional, experienced, and friendly team.
Areas We Serve
Insurance Across Miami-Dade County
From our office at 11643 SW 216th St in Cutler Bay, we serve clients throughout South Florida — in person and remotely.
Cutler Bay
Palmetto Bay
Homestead
Kendall
Pinecrest
South Miami
Coral Gables
Miami
Hialeah
Doral
Aventura
Florida City
Miami Gardens
Perrine
Richmond Heights
Naranja