Florida homeowners insurance · Official data, clear choices · 
Published by Bright Coast Insurance
About Find Cheap Insurance Rates
Find Cheap Insurance Rates is a Florida-only guide to home, flood and auto insurance, published by Bright Coast Insurance.
A licensed Bright Coast agent quotes you directly
Last checked 2026-11-01 against Florida OIR, OpenFEMA and official Florida sources.
Who publishes Find Cheap Insurance Rates?
Bright Coast Insurance publishes this site. Its licensed agent is Nicholas Mladucky, FL General Lines (P&C) W330601, and the agency license is L103957. You can reach the team at (239) 475-0361 or support@brightcoastins.com, Mon-Fri 8 AM-5 PM ET. Spanish service is available: Hablamos español.
Mailing address: PO Box 417, Pineland, FL 33945. It's mail only, not a walk-in office.
Where does the data on this site come from?
It comes from public sources, cited on each page. County flood figures come from OpenFEMA: penetration rates as of 2026-08-03, median policy costs for single-family policies effective June 2026, and CRS classes from the Community Status Book. Auto rules come from FLHSMV, and hurricane deductible rules from s. 627.701.
Medians use policyCost for occupancy type 11, single-family residential. They are public-data medians, not quotes.
Where OpenFEMA data is inconsistent, like Collier County's SFHA figures, we leave it out rather than guess.
Facts were last checked 2026-10-31.
Source: OpenFEMA: NFIP Residential Penetration Rates · OpenFEMA: FIMA NFIP Redacted Policies v3 · OpenFEMA: NFIP Community Status Book · FLHSMV: Florida insurance requirements · Florida Statutes s. 627.701 (hurricane deductibles) · Florida Insurance Guaranty Association (FIGA) — Checked: 2026-11-01
From our publisher
Compare Florida home, flood and auto quotes with Bright Coast
Tell us what you want to insure. A licensed agent reviews it and calls you back.
Or call (239) 475-0361