Local Pros · Homestead
Local Insurance Agents in Homestead, FL
Locally owned and operated insurance agents serving Homestead and the surrounding area. Supporting local businesses means faster response and accountability.
As of June 2026, RatingsNearMe ranks 19 insurance agents in Homestead, FL by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is GoldenTrust Insurance Homestead with a 5.0-star rating from 1,697 Google reviews and an RNM Score of 88/100. Also in the top tier: George Meroni - State Farm Insurance Agent and Univista Insurance. The average rating across all listed insurance agents in Homestead is 4.8 stars from 199 reviews per business on average.
Insurance in Homestead: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.
Rankings updated June 10, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Cuspide Insurance | Affordable Health Insurance/Obamacare
Cuspide Insurance stands out as the top-ranked choice due to its specialized focus on affordable health insurance and Obamacare plans, appealing directly to Homestead residents seeking cost-effective coverage.
Most Reviewed
Your Family First Insurance Inc
A high review count indicates that numerous customers have shared their experiences, providing a reliable gauge of consistent service quality and customer trust.
When selecting an insurance agent in Homestead, compare quotes from multiple agencies and read recent customer reviews to ensure the agent specializes in the type of coverage you need, whether health, auto, or home. Also, verify their licensing and ask about available discounts to get the best value.
Local Market Snapshot
19
Businesses listed
4.8★
Avg rating
199
Avg reviews
Jun 10, 2026
Last updated
Top Rated Insurance Agents
Exceptional 5.0-star rating from over 1,600 Google reviews.
40-42 SE 4th Rd, Homestead, FL 33030, USATrusted Homestead insurance agent with a 4.9-star rating from 313 reviews.
1801 N Krome Ave, Homestead, FL 33030, USA4.8 stars from over 200 reviews makes this Homestead insurance agent a trusted choice.
1413 N Krome Ave, Homestead, FL 33030, USAInsurance Agents Rankings in Homestead, FL
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | GoldenTrust Insurance Homestead40-42 SE 4th Rd, Homestead, FL 33030, USA | 5.0★ | 1,697 |
| #2 | George Meroni - State Farm Insurance Agent1801 N Krome Ave, Homestead, FL 33030, USA | 4.9★ | 313 |
| #3 | Univista Insurance1413 N Krome Ave, Homestead, FL 33030, USA | 4.8★ | 208 |
| #4 | Your Family First Insurance Inc1241 NE 8th St, Homestead, FL 33033, USA | 4.9★ | 169 |
| #5 | Aixa Hernandez - State Farm Insurance Agent381 N Krome Ave Ste 208, Homestead, FL 33030, USA | 4.8★ | 134 |
| #6 | Buysmart Insurance Inc190 N Homestead Blvd, Homestead, FL 33030, USA | 4.1★ | 52 |
| #7 | F&N Insurance Group - Homestead23715 S Dixie Hwy, Homestead, FL 33032, USA | 4.9★ | 47 |
| #8 | Cuspide Insurance | Affordable Health Insurance/Obamacare18933 SW 354th St, Homestead, FL 33034, USA | 5.0★ | 20 |
| #9 | South Sun Insurance Agency30708 S Dixie Hwy, Homestead, FL 33030, USA | 5.0★ | 11 |
| #10 | Amco Insurance208 NE 8th St, Homestead, FL 33030, USA | 4.8★ | 168 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Homestead
Trusted by hundreds of local clients, this Homestead agency holds a stellar 4.9★ rating.
1241 NE 8th St, Homestead, FL 33033, USA
Trusted by hundreds of locals with a 4.8-star rating in Homestead.
381 N Krome Ave Ste 208, Homestead, FL 33030, USA
Trusted locally with a 4.1-star rating from over 50 reviews.
190 N Homestead Blvd, Homestead, FL 33030, USA
Your team earns a stellar 4.9★ from 47 glowing Google reviews.
23715 S Dixie Hwy, Homestead, FL 33032, USA
Praised by customers with a flawless 5.0-star rating from over 20 reviews.
18933 SW 354th St, Homestead, FL 33034, USA
Trusted Homestead insurance agent with a perfect 5.0 rating from 11 reviews.
30708 S Dixie Hwy, Homestead, FL 33030, USA
Trusted by hundreds of local clients with a stellar 4.8-star rating.
208 NE 8th St, Homestead, FL 33030, USA
Hundreds of reviews give this Homestead insurance agent a strong 4.7-star rating.
30377 S Dixie Hwy Suite B, Homestead, FL 33033, USA
Trusted Homestead insurance agent with 4.5 stars from over 140 Google reviews.
1200 N Flagler Ave, Homestead, FL 33030, USA
Homestead's top-rated insurance agent with a perfect 5.0-star rating from 136 reviews.
29100 Kansas Rd, Homestead, FL 33033, USA
Trusted by hundreds of locals with a stellar 4.8-star average rating.
30422 S Dixie Hwy, Homestead, FL 33030, USA
4.9 stars from over 100 reviews make this agent a trusted Homestead choice.
42 N Homestead Blvd, Homestead, FL 33030, USA
Earned a perfect 5.0-star rating from over 100 local customer reviews.
1122 N Flagler Ave, Homestead, FL 33030, USA
Trusted by 81 clients with a perfect 5.0-star rating in Homestead.
24844 SW 177th Ave, Homestead, FL 33031, USA
Known for reliable service with a strong 4.6-star rating from 60 reviews.
1135 N Krome Ave, Homestead, FL 33030, USA
Top-rated insurance agent in Homestead with a 4.9-star rating from 54 reviews.
106 N Homestead Blvd, Homestead, FL 33030, USA
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Insurance Agents in Homestead, FL — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | GoldenTrust Insurance Homestead | 88/100 | 5.0 ★ | 1,697 |
| 2 | George Meroni - State Farm Insurance Agent | 87/100 | 4.9 ★ | 313 |
| 3 | Univista Insurance | 84/100 | 4.8 ★ | 208 |
| 4 | Your Family First Insurance Inc | 85/100 | 4.9 ★ | 169 |
| 5 | Aixa Hernandez - State Farm Insurance Agent | 82/100 | 4.8 ★ | 134 |
| 6 | Buysmart Insurance Inc | 65/100 | 4.1 ★ | 52 |
| 7 | F&N Insurance Group - Homestead | 78/100 | 4.9 ★ | 47 |
| 8 | Cuspide Insurance | Affordable Health Insurance/Obamacare | 75/100 | 5.0 ★ | 20 |
| 9 | South Sun Insurance Agency | 72/100 | 5.0 ★ | 11 |
| 10 | Amco Insurance | 83/100 | 4.8 ★ | 168 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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Frequently Asked Questions — Insurance Agents in Homestead
What is the difference between a captive and independent insurance agent in Homestead?
Captive agents (State Farm, Allstate, Farmers) represent one company and can only quote that carrier's products. Independent agents work with multiple carriers — they shop your policy across companies to find the best rate and coverage for your situation. For most consumers, an independent agent offers more flexibility. Captive agents may have deeper expertise in their specific carrier's products and claims process.
How do I verify an insurance agent's license in FL?
Search the FL Department of Insurance's online license lookup — Google "FL Department of Insurance license lookup" for the direct link. You can verify current license status, license type, and any disciplinary actions. Every agent selling insurance in FL must be licensed with the state.
How much does working with a local insurance agent in Homestead cost?
In most cases, nothing directly. Insurance agents earn commissions paid by the insurance company — typically 5–15% of your annual premium for property/casualty coverage, 40–100% of first-year premium for life insurance. Fee-based agents charge separately and disclose it upfront. Always ask how your agent is compensated so you understand any potential incentives.
Should I buy insurance online or through a local agent in Homestead?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Homestead adds real value for homeowners insurance, life insurance, commercial policies, or any situation with complexity — rental properties, high-value items, home-based businesses, or coverage gaps. They also advocate for you during a claim, which online portals don't.
How are the insurance agents on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every insurance agents on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: June 10, 2026.
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