Independent insurance agency · Homestead & Miami, FL
An ocean of savings. A shoreline of trust.
We compare Florida’s top carriers to build coverage around your life — auto, home, flood, life, health, boat and business insurance, with real people who answer the phone.
We compare 25+ trusted carriers to find your best rate
Coverage
Protection for every part of your life
Fifteen lines of coverage for individuals, families and businesses — each one quoted across multiple carriers so you never overpay.
Full coverage, liability and PIP car insurance that meets Florida requirements.
Explore coveragePersonal Home InsuranceHomeowners insurance with hurricane and windstorm protection for Florida homes.
Explore coveragePersonal Flood InsuranceNFIP and private flood insurance for homes in coastal and inland flood zones.
Explore coveragePersonal Renters InsuranceLow-cost renters insurance for your belongings and liability.
Explore coveragePersonal Life InsuranceTerm and whole life insurance to protect your family's financial future.
Explore coveragePersonal Health InsuranceAffordable individual and family health insurance plans.
Explore coveragePersonal Pet InsurancePet insurance for dogs and cats: accidents, illness and wellness.
Explore coveragePersonal Jewelry InsuranceJewelry insurance for engagement rings, watches and valuables.
Explore coverageRecreational Boat InsuranceBoat and yacht insurance for Biscayne Bay, the Keys and Florida waters.
Explore coverageRecreational Jet Ski InsurancePersonal watercraft (PWC) insurance for jet skis and waverunners.
Explore coverageRecreational Motorcycle InsuranceMotorcycle insurance with liability, collision and theft protection.
Explore coverageRecreational RV InsuranceMotorhome, camper and travel trailer insurance.
Explore coverageRecreational ATV & UTV InsuranceOff-road ATV, UTV and side-by-side insurance.
Explore coverageBusiness Commercial InsuranceGeneral liability, property and business insurance for Florida companies.
Explore coverageBusiness Commercial Auto InsuranceCoverage for business vehicles, fleets and work trucks.
Explore coverageWhy Ocean Trust
Trusted insurance for individuals, families & businesses
At Ocean Trust, we specialize in offering tailored insurance solutions that provide both savings and peace of mind. Whether it’s protecting your home, auto, health, life, or business, we are committed to being your reliable partner in navigating life’s uncertainties. With Ocean Trust, you’re not just covered—you’re cared for.
Meet the teamQuote with us and see how much you can save — many drivers save up to $500 a year.
Coverage designed around your needs and budget, never a one-size-fits-all policy.
We handle the paperwork, the comparisons and the follow-up — no delays.
Licensed agents in Homestead who speak English and Spanish and know Florida.
How it works
Your quote in less than 5 minutes
- 01Share your details
Tell us what you want to protect. It takes a couple of minutes online or by phone.
- 02Compare personalized offers
We shop 25+ carriers and explain your options in plain language.
- 03Activate your new policy
Choose your plan and you’re covered — we stay with you for claims and renewals.
Reviews
Florida families trust Ocean Trust
“Quiero dejar unas palabras para agradecer la excelente atención que recibí de parte de Alex, el agente de seguros. Desde el primer momento fue muy amable, paciente y claro para explicarme todo. Yo ya soy una persona mayor y a veces estas cosas me cuestan un poco, pero Alex me trató con mucho respeto y dedicación,…”
“I had a great experience with Ocean Trust and Financial Services! The attention was excellent from start to finish. Fernández took the time to understand my needs and helped me find the best insurance option possible. I truly felt guided and supported throughout the process. Highly recommended!”
“Este ha sido un servicio inigualable por parte de José Luis Fernández. Ha sido paciente y muy amable además de proveerme del seguro que estaba buscando. Gracias por su excelente trabajo”
“I had a great experience with Jose Luis. He’s very knowledgeable and it was an easy process to get my insurance. Thank you so much!”
“Me ahorré dinero con el servicio de Alejandro. Muchas gracias muy recomendable”
“Muy buenos y honestos me ahorraron en el seguro de la casa”
Local & independent
Your insurance agency in Homestead, serving all of South Florida
From the Redlands to Miami Beach and down to the Keys, we help drivers, homeowners, boaters and business owners compare coverage from 25+ carriers — in English or Spanish.
- Homestead
- Florida City
- Miami
- Kendall
- Cutler Bay
- Palmetto Bay
- Pinecrest
- Coral Gables
- Doral
- Hialeah
- Miami Beach
- Key Largo
- Fort Lauderdale
- Hollywood
- Pembroke Pines
- Miramar
- Florida Keys
- + all of Florida
Visit our office
809 N Homestead Blvd
Homestead, FL 33030
- Hours
- Mon–Fri 9 AM – 8 PM
Saturday 9 AM – 6 PM
FAQ
Answers before you ask
Quotes, claims, payments and policy changes — explained simply.
All questionsWhat types of insurance does Ocean Trust Insurance offer?
We provide a variety of insurance solutions, including:
- Home Insurance
- Auto Insurance
- Life Insurance
- Health Insurance
- Flood Insurance
- Jewelry Insurance
- Renters Insurance
- RV Insurance
- Commercial Insurance
- ATV/UTV Insurance
- Boat and Jet Ski Insurance
For more details, visit the corresponding pages on our website.
How can I get a quote for an insurance policy?
You can request a free quote by clicking the “Get a Quote” button on our homepage or contacting us via phone or email. Simply provide the required details, and our team will assist you.
What is covered under my policy?
Coverage varies depending on the type of insurance and the specific policy you choose. Please refer to your policy documents or contact our team for detailed information about your coverage.
How do I file a claim?
To file a claim, follow these steps:
- Contact us at +1 866-356-2326 or email info@oceantrustinsurance.com.
- Provide your policy number and a detailed explanation of the incident.
- Submit any supporting documentation, such as photos, receipts, or medical reports.
Our claims team will guide you through the process.
Can I make changes to my policy?
Yes, you can update your policy information, such as your address, coverage, or beneficiaries. Please contact us via phone or email, and we will assist you with the changes.
Ready to secure your future?
Let’s start protecting what matters most — today.