DTRT is a full-service independent agency that has been in business since 1999. We have four South Florida locations in Monroe, Miami-Dade and Broward counties, but we service clients all over the State of Florida and the country.

1. Homeowners Insurance
2. Auto Insurance
3. Commercial Insurance
4. Flood Insurance
5. Rental Home/Landlord Insurance
6. Townhome Insurance
7. Condo Insurance
8. Renters Insurance
9. Umbrella Insurance (personal liability)
10. Earthquake Insurance
11. Vacant Home Insurance
12. Personal Articles Policies (e.g., scheduled jewelry coverage)
13. Mobile Home Insurance
14. Motorcycle Insurance
15. RV/Trailer Insurance
16. Boat/Watercraft Insurance
17. Life Insurance

DTRT is not an insurance company. We are an agency that works directly with the client and the carriers in order to offer quotes from quotes from all top providers/carriers in the state. This allows us to give the client an expansive selection of available products and markets.

Many online providers are tech companies that entered the insurance space within the past five years. We are an independent agency with over 60 years of combined experience within our ownership team alone. We believe that an agency should be a group of trusted advisors.

All homeowners policies are not created equal. However, there are basic coverages that a homeowner with a mortgage will require. We will tailor your policy to include the items in your home that you value the most.

In Florida, a Wind Mitigation Inspection is crucial in order to obtain the proper discounts on your policy for roofing features and impact protection if applicable. The wind mitigation inspection can result in hundreds to thousands of dollars in potential savings on your homeowners policy.  Let us get you a quote and order an inspection if you do not have one.

Once our quote form is completed, you will receive an accurate quote within one business day of your submission. 

DTRT stands by our 20+ year history of properly covering a risk. Although our rater is online, all DTRT quotes are checked by a licensed agent. Don’t trust AI entirely with your most valued asset. Homeowners insurance is not a ‘one size fits’ market and we want to make sure that we are maximizing your savings as well as providing adequate coverage.

Once you fill out our online form, we will get a team of agents working on a quote for you. Once completed, you will receive a quote comparison sent via email. 

If I already have an active policy with another agency, how can DTRT help me?

When we find you a better option, you can opt to take advantage of your lower rate now by switching. You do not need to wait until your renewal date if there’s a better proposal available - the best time to act is now. 

World Class Service is the motto of the owners! You will receive a dedicated, licensed Account Manager to assist you with the day-to-day servicing of your policy, backed by a larger department. So there are always a team of qualified professionals to take your payment, address your concerns and respond to your insurance needs.