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Total Insurance Miami
About Mary’s Insurance
Mary’s Insurance is an independent insurance brokerage that works for you — not for the insurance companies. As an independent broker, we have the freedom to compare options across multiple top-rated carriers, ensuring our clients receive the right coverage at the best possible value.
We believe in making insurance easy to understand and simple to manage. Whether you’re a homeowner, a small business owner, or a professional practice, you’ll receive one-on-one attention and proactive support from start to finish.
About Total Miami Insurance
Total Miami Insurance is committed to providing clarity and value to property owners.
We work for you, not for the insurance companies.
As an independent broker, we have the freedom to compare options across multiple top-rated carriers, ensuring every client secures the right protection for their home or real estate investment at the best possible value. We believe in making insurance easy to understand and simple to manage. Whether you’re a homeowner, a small business owner, or managing professional property, you’ll receive dedicated one-on-one attention and proactive support from our team.
Who We Are
Mary’s Insurance is an independent insurance brokerage offering individualized
service and access to a wide range of trusted insurance carriers. Because we’re
not tied to any one company, we can shop around on your behalf — ensuring you
get the right coverage at the most competitive rate.
Who We Are
Who We Work With
Small business owners and professionals
Law firms and independent attorneys
Property owners and landlords
Individuals and families seeking personal coverage
Contractors, consultants, and service providers
Who We Work With
Homeowners
Primary, secondary, and seasonal residences across Florida.
Coastal & High-Value Homes
Tailored solutions for properties in high-risk coastal zones and luxury estates.
Condo & Townhome Owners
Protecting the interior unit, personal belongings, and loss assessments (HO-6).
Renters Insurance
Essential coverage for personal property and liability within a leased residence.
Investment Properties
Landlords and owners of single-family rentals (DP-3) or small apartment buildings.
Condominium & HOA Master Policies
Comprehensive coverage for shared buildings and common areas
Commercial Property
Protection for office space, retail centers, and small business locations.
Professional Offices
Insurance solutions for your business's physical space and contents.
managers What We Do
Areas We Serve
We proudly serve clients throughout Florida, including:
- Miami-Dade
- Broward
- Palm Beach
- Monroe Counties
Areas We Serve
We proudly serve clients throughout Florida
Miami-Dade
Broward
Home to Fort Lauderdale’s canals, beaches, and a relaxed coastal lifestyle.
Palm beach
Monore counties
How We Can Serve You
Personal Insurance
- Homeowners Insurance
- Condo & Renters Insurance
- Flood Insurance
- Auto Insurance
- Boat & RV Insurance
- Umbrella / Excess Liability
- Jewelry, Fine Art, & Valuable Items
- Vacant or Rental Property
Insurance Small Business Insurance
- Professional Liability (E&O) — with a focus on attorneys and small law firms
- General Liability
- Workers Compensation
- Business Owners Policy (BOP)
- Commercial Property
- Commercial Auto
- Cyber Liability
- Employment Practices Liability (EPLI)
- Bonds (License, Surety, Fidelity)
Personal Insurance
Homeowners Insurance
Homeowners insurance provides financial protection against damage or loss to your home and personal belongings.
Condo & Renters Insurance
Condo and renters insurance provide essential coverage for your personal property, liability, and living expenses in case of unexpected events like fire, theft, or vandalism.
Flood Insurance
Flood insurance provides coverage for damages caused by flooding, which is typically not included in standard homeowners or renters insurance policies.
Auto Insurance
Auto insurance helps protect you financially in case of an accident, theft, or other damages to your vehicle.
Boat & RV Insurance
Boat and RV insurance provide essential coverage for your watercraft and recreational vehicle, offering protection against accidents, theft, or damage while you’re on the road or water.
Umbrella / Excess Liability
Umbrella insurance provides additional liability coverage beyond the limits of your standard home, auto, or other personal insurance policies.
Jewelry, Fine Art, & Valuable Items
Specialized insurance for jewelry, fine art, and other valuable items ensures that your high-value belongings are protected from loss, theft, or damage, beyond what standard homeowners or renters insurance can cover.
Vacant or Rental Property
Vacant or rental property insurance provides protection for properties that are either unoccupied or being rented out.
Small Business Insurance
Commercial Property
Commercial property insurance provides coverage for your business property, including buildings, equipment, inventory, and other physical assets.
Commercial Auto
Commercial auto insurance provides coverage for vehicles used in your business operations, protecting against accidents, property damage, and liability.
General Liability
General Liability insurance protects businesses from financial loss due to claims of bodily injury, property damage, or negligence. It's essential for any business, regardless of size. to ensure financial protection in case of accidents, lawsuits, or claims made by third parties.
Our Process: What to Expect
Our Partner Carriers
As an independent broker, we partner with a carefully selected group of top-rated
insurance carriers to ensure quality coverage and service. Our partners include
