Your Florida Coverage, Simplified.
I shop 30+ top-rated carriers to find the right home, auto, flood, or umbrella coverage — for your family, your home, or your investment property.
100% free to you — West is paid by the carriers, not by clients.
30+
Top Carriers
70+
Google Reviews
800+
Policies Bound
FL
Statewide Coverage
4+
Years Experience
The Advil for your Insurance Headache
I came from a management background, saw an opportunity in insurance, and took it. What kept me here is that I'm actually good at being a resource for people navigating something that's painful to deal with.
Nobody wakes up excited about reviewing their insurance coverages. But when it matters, you want someone who knows the answers — or knows how to get them.
I work independently across 30+ carriers, I get deals to the table on time, and I don't write policies I can't stand behind. Realtors and lenders trust me to take care of my side of the closing — and clients trust me because I'm still re-shopping their renewal a year later when everyone else has moved on.
What I Can Help With
Protection for Every Part of Your Life
From your home and car to flood risk and extra liability — I have carriers and products to cover it all.
Home Insurance
Protect your biggest asset from fire, storm, theft, and liability with the right policy from Florida's top carriers.
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Auto Insurance
Competitive rates on personal auto, SR-22, and commercial vehicle coverage — bundled discounts available.
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Flood Insurance
Florida flooding doesn't just happen in flood zones. Get private or NFIP flood coverage before you need it.
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Umbrella Coverage
An extra layer of liability protection above your home and auto — for the unexpected that regular policies don't cover.
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The Process
Getting Covered Is Simple
Tell Me Your Situation
New home purchase, renewal, or shopping rates? Fill out the contact form or call — no commitment required.
I Shop 30+ Carriers
I compare options across my full carrier network to find the best coverage at the right price — at no cost to you. Carriers pay me, not clients.
You Get Covered
Choose the policy that fits, sign, and you're done. I'll be your point of contact for the life of your policy.
Reviews
What Clients Are Saying
I had an extreme time crunch to get house insurance as my prior insurer had wasted weeks in getting back to me. I contacted West Villareal at Blue Marlin Insurance Group and he got right on it, getting me an offer from an A rated insurer at a very good price the next day. The day after that I was insured and my crisis was averted, thanks to the skillful and quick action of West Villareal. I am very thankful for his help.
Jim
Homeowner
As a realtor I like to surround myself with vendors that have the same work ethic as me. West is one of those guys. He runs on speed and honesty just like me. He is super knowledgeable and will not give you false hopes or promises. He will do his best to get you a good rate and understand what you are signing up for. This is extremely important, especially when dealing with older homes. Thanks West you are the best.
Brian
Realtor
West is amazing! He was referred to me and was quick to get to work, thorough and also kept me informed the whole process!
Iva
Stay in the Know
Florida insurance is always changing. Get tips, carrier updates, and coverage reminders straight to your inbox — no spam, ever.
Common Questions
FAQ
Does it cost anything to work with West?
No — working with an independent insurance agent is completely free for you. I'm paid a commission by the carrier when a policy is bound. That means you get personalized service, market shopping across 30+ carriers, and ongoing support without paying a cent out of pocket.
Do I need flood insurance if I'm not in a flood zone?
Yes — roughly 25% of all flood claims come from outside high-risk zones. Florida's flat terrain and seasonal storms make flooding a very real risk statewide. Private flood policies are often affordable and can be written quickly.
What is an umbrella policy and do I need one?
An umbrella policy adds extra liability protection — typically $1M or more — above your home and auto limits. It kicks in when those limits are exhausted. If you have a home, car, pool, or rental property, an umbrella is one of the most cost-effective policies you can buy.
Why are home insurance rates so high in Florida?
Florida's combination of hurricane exposure, litigation history, and roofing costs make it one of the highest-risk property insurance markets in the country. Working with an independent agent like me is key — I shop multiple carriers to find you the best available rate.
What's the difference between an independent agent and a captive agent?
A captive agent (like a State Farm or Allstate agent) can only quote one carrier. As an independent agent, I shop 30+ carriers on your behalf, which usually means more options and better pricing.
How quickly can I get coverage for a home closing?
Often same-day. I'm very familiar with closing timelines and work efficiently with realtors and lenders to make sure coverage is bound before you need it.
Can you help me if my current carrier is dropping policies in Florida?
Absolutely. Several carriers have reduced their Florida footprint in recent years. I can help you find a stable, A-rated replacement quickly — often with comparable or better coverage.
Have a question not listed? Ask West directly.
Ready to Get Covered?
Get a free, no-obligation quote in minutes. West will shop the market and bring you the best options.