Florida homeowners insurance · Official data, clear choices · 
Published by Bright Coast Insurance
Terms of Use
These terms explain how you can use findcheapinsurancerates.com. Please read them before you use the site or send us your information.
A licensed Bright Coast agent quotes you directly
Operated by Precision Underwriters · Florida agency license L103957
Last checked 2026-11-01 against Florida OIR, OpenFEMA and official Florida sources.
Who runs this site?
Find Cheap Insurance Rates is a Florida home, flood and auto insurance rates guide published by Bright Coast Insurance. The site shares general information, county flood data from OpenFEMA and a quote form. The operator's legal name is Precision Underwriters, and these terms apply to anyone who uses the site.
Find Cheap Insurance Rates is published by Bright Coast Insurance.
The operator's legal name is Precision Underwriters.
Mailing address: PO Box 417, Pineland, FL 33945. This is for mail only and is not a walk-in office.
By using the site, you agree to these terms. If you do not agree, please do not use the site.
Is anything on this site a quote or a policy?
No, nothing on this site is an insurance policy, a binding quote or a promise of coverage. The content is general information about Florida home, flood and auto insurance. Eligibility, coverage and price depend on a carrier's review of your details, and only a written policy sets your actual terms.
Rates and examples on the site are for general education. They are not an offer of insurance.
Coverage starts only when a policy is issued in writing. Always read your policy documents for the exact terms.
Content is not legal, tax or financial advice.
Does this site cover states outside Florida?
No, this site is for Florida only. The guides, rate information and county flood data focus on Florida home, flood and auto insurance. If you live elsewhere, the content may not apply to you, and the quote form is meant for Florida residents and Florida properties and vehicles only.
All content is written for Florida.
Please use the quote form only for Florida insurance needs.
Who is the licensed agent behind this site?
The licensed agent is Nicholas Mladucky, who holds a Florida General Lines (P&C) license, number W330601. Bright Coast Insurance holds Florida agency license L103957. Any insurance discussion that follows a quote request is handled by licensed staff, not by the website itself or its automated tools.
Agent: Nicholas Mladucky, FL General Lines (P&C) W330601.
Agency license: L103957.
You can reach us at (239) 475-0361, Mon-Fri 8 AM-5 PM ET. Hablamos español.
What happens when I use the quote form?
When you submit the quote form, your name, company, state, phone and email are sent to Bright Coast Insurance. We use that information to contact you about your Florida insurance request. Submitting the form does not create a policy, guarantee a rate or obligate you to buy anything.
Please give accurate information. Wrong details can lead to delays or inaccurate quotes.
Only submit information about yourself or a business you are authorized to act for.
See our Privacy Policy for how we handle what you send.
How accurate is the county flood data?
The county flood data on this site comes from OpenFEMA, and we present it as general reference information. We try to display it correctly, but we cannot promise it is complete, current or error-free. Use it as a starting point, not as a final answer about your property's flood risk.
Content on this site was last checked on 2026-10-31.
Public data can change or be revised by its source after we display it.
For decisions about your property, talk with a licensed agent and review official documents.
What uses of the site are not allowed?
You may not use this site for anything unlawful, harmful or misleading. That includes submitting false information, using someone else's details without permission, trying to break or overload the site, or copying content at scale. We may block access for anyone who misuses the site or these terms.
Do not scrape, copy or republish site content without permission.
Do not try to access systems or data you are not authorized to use.
Do not use the quote form to send spam or test submissions.
Who owns the content on this site?
Site text, design and branding belong to the site operator, Precision Underwriters, unless noted otherwise. Public data, such as county flood data from OpenFEMA, remains subject to its source's terms. You may read and share links to our pages, but you may not copy content for commercial use.
Can these terms change?
Yes, we may update these terms from time to time. When we do, we will post the new version on this page with an updated date. If you keep using the site after changes are posted, that means you accept the updated terms, so please check back occasionally.
Content last checked: 2026-10-31.
How do I contact you about these terms?
For questions about these terms, email support@brightcoastins.com or call (239) 475-0361, Mon-Fri 8 AM-5 PM ET. You can also send mail to PO Box 417, Pineland, FL 33945. That address is for mail only and is not a walk-in office.
Phone: (239) 475-0361.
Terms questions email: support@brightcoastins.com.
General support email: support@brightcoastins.com.
Spanish service available. Hablamos español.
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