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Del Toro Insurance
July Del Toro Insurance linkedin

One of our Managers at Del Toro Insurance has just joined to our Distinctive Franchise System becoming in the owner of her own business !!! Congratulations on this great partnership!!.

July Del Toro Insurance linkedin

A Friday 12th of wonderful news!! A new franchisee joined our Distinctive Franchise System. The Chilean Community Welcome to the Del Toro family!.

July Del Toro Insurance linkedin

On the eve of July 4, what better news than continuing to expand our Distinctive Franchise System in West Palm Beach. Welcome to the Del Toro family.

June Del Toro Insurance linkedin

Second new franchisee of this blessed Tuesday, join our Distinctive Franchise System. Welcome to the Del Toro family.

June Del Toro Insurance linkedin

Another new franchisee has joined right now to our Distinctive Franchise System. Welcome to the Del Toro family.

June Del Toro Insurance linkedin

Just a few minutes ago, a new franchisee joined our Distinctive Franchise System. The Ecuadorian community welcomes the Del Toro family.

June Del Toro Insurance linkedin

The family continues to grow, minutes ago other new franchisees have just joined our Distinctive Franchise System. Welcome to Del Toro family.

June Del Toro Insurance linkedin

Today, as part of our participation in the Annual Convention of the Florida Association of Insurance Agents (FAIA) held in Orlando, Del Toro Insurance held a seminar this morning to promote the growth of the insurance industry through franchises. Entrepreneurs and business owners participated in the event.

May Del Toro Insurance linkedin

Taking a big step and adding new services, two entrepreneurial businesswomen join our family. Welcome Gordon & Oropeza to Del Toro Insurance family.

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Del Toro Insurance

Fomentando el camino hacia la industria de los seguros

América TV captó todo lo que fue el fórum y la celebración de los 25 años de Del Toro Insurance. Con Del Toro Insurance tienes todo lo que necesitas para estar bien asegurado y además crecer profesionalmente con tu propia franquicia. Si eres emprendedor y quieres asegurar tu futuro empresarial con una marca consolidada!! Esta es tu oportunidad, completa el formulario y uno de nuestros agentes se estará comunicando contigo con todas las dudas que tengas para emprender tu negocio.

Annual Convention of the FAIA
June, 2024

Del Toro Insurance 25th Anniversary

Del Toro is a family business and that has defined much of the path it has traveled to this day. The main reason for starting out in this industry has been to contribute to a community that needs us and with which we feel an eternal commitment. Growth would not have been possible without the support and permanent exchange with our community whom we have tried to serve with immense respect.
On the other hand, we have tried to provide a service that is also deeply rooted in family values because we consider that targeting the well-being of families in a society that is transforming day by day is essential. We have simply delivered transparency, honesty, trust and loyalty, which I believe have really been the key to being able to treasure the preference of our clients over the years.
Time really passes very quickly. We began our journey in a small office located in the west of the county. Today we are a solid company with a commercial presence throughout the state of Florida and an increasingly large group of franchisees who have opted to be part of the Del Toro family, making our business model their own. To our pride, the vast majority have been families that have turned to entrepreneurship and that, today, replicate those values of transparency, honesty, trust and loyalty to their clients.

Home Insurance Rates Florida

Explore the Consequences of Increased Home Insurance Rates on Florida Homeowners

Sep 07, 2023

The annual national average home insurance rate in the USA is $1,428. Florida homeowners are required to bear almost four times the national average premium amount to insure their properties. Explore this article to understand the impact of the rising cost of home insurance in Florida.

How Will Increased Home Insurance Rates Affect Florida Homeowners Financially?

The increased rates of homeowners insurance in Florida will increase the overall cost of living in the state. In 2022, the home insurance rates in Florida increased by 33% compared to the 9% rise in the national average. In 2023, homeowners are prepared for the spike in home insurance rates by double digits for the second time in a row.

Most homeowners in Hialeah, FL, are unable to afford the mass increase in premiums every year. The rapid rise in the cost of home insurance premiums will make it challenging for most Floridians to maintain their homes.

How Can Increased Home Insurance Rates Affect the Overall Cost of Living in Florida?

The rising rate of home insurance rates in Florida means higher maintenance costs. Despite the high costs, home insurance in Naples, FL, and other parts of the state have become necessary due to the increased risk of natural disasters. Therefore, the cost of living in Florida is reaching an all-time high.

Are There Any Correlations Between Natural Disasters, Climate Change, and the Rise in Home Insurance Rates in Florida?

The rise in home insurance rates in Florida is directly correlated to natural disasters and climate change. Climate change is threatening the entire nation with more natural disasters. The geographical location of Florida makes it highly susceptible to storms, hurricanes, and other natural disasters.

The increased risk of natural disasters in North Miami Beach, Coral Gables, and other areas in Florida increases the risk of property damage. Therefore, the number of insurance claims in a year rises significantly. As a result, property owners charge a high insurance premium from homeowners.

Are There Any Potential Long-Term Effects on the Economy of Florida Due to Increased Home Insurance Rates?

The rising home insurance premiums in Miami, FL, are making it difficult for real estate agents to close their property deals. Homeowners are shying away from purchases because they believe that they will be unable to get property insurance. Since property insurance is often a mandatory requirement for getting financing, people move away from the property purchase.

Bottom Line

If you are struggling to find affordable home insurance in Florida, Del Toro Insurance will come to your rescue. From Margate, FL, to Homestead, FL, we will help homeowners find the right insurance policy everywhere. We will understand your requirements and put you in touch with a reliable insurance provider offering comprehensive coverage at the most affordable rates.


  1. What are the primary reasons behind rising property insurance rates in Florida?

The primary reasons behind the rising property insurance cost in Florida are hurricanes and the cost of reinsurance. Rampant fraud and litigation are also increasing the cost of home insurance in the state.

  1. Is home insurance a legal requirement in Florida?

Purchasing home insurance is not a legal requirement in Florida. But your lender might ask you to get insurance in case you are financing your home. Additionally, homeowners prefer buying home insurance in Hialeah Gardens, FL, to safeguard their property and assets against damage caused by hurricanes and bad weather conditions.

  1. Is home insurance expensive in Florida?

Homeowners in Florida have to pay higher premiums than those in other states of the nation. However, Florida homeowners can also find affordable insurance policies if they shop around and compare rates from different insurance providers.

  1. Is it difficult to find home insurance policies in Florida?

Several people are of the opinion that the numerous storms that hit Palmetto Bay, Cutler Bay, and other areas of Florida make it difficult to find home insurance policies. However, several insurance companies in Florida offer comprehensive home insurance policies at affordable rates. At Del Toro Insurance, we can help you get in touch with the best insurers for financially protecting your home.

  1. How much will it cost me to buy home insurance in Florida?

The average cost of purchasing home insurance in Florida is $2,385 annually. The exact cost of your home insurance policy will depend on your requirements. Therefore, assess the requirements of your property before purchasing the best home insurance policy.

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