We Insure - Harry Pecunia III

🏠 My Journey Back Into Florida Home Insurance

I’ve been in the insurance industry since the 1990s, and over the years I’ve seen just about everything — the highs, the lows, and the unexpected twists that come with protecting people’s homes, vehicles, and businesses. For a long time, home insurance in Florida was one of my main focuses. But if you’ve lived here, you know the story: the market has been turbulent, unpredictable, and at times downright discouraging.

Back in the late 2010s, Florida’s home insurance market was flooded with competition. Around 2018, there were five or six companies aggressively battling for territory and market share. Each wanted to be the “go-to” provider for inexpensive coverage. On the surface, that sounded great for homeowners — more options, lower premiums. But behind the scenes, it was a race to the bottom.

One by one, these companies started to collapse. Some went out of business entirely, others pulled out of the state, and many left agents like me scrambling to re-shop policies for clients who suddenly had no coverage. It didn’t happen all at once. It was a slow unraveling. I’d place a client with a carrier, only to find out a year or two later that the company was gone. Then I’d move them to the next “flavor of the month,” only to repeat the cycle again.

For me, it felt like spinning my wheels. The whole point of building a book of business is stability — creating a foundation of clients you can serve for years. But with carriers dropping out left and right, cancellations piling up, and underwriting reasons being used to drop policies, it became exhausting. I eventually shifted my focus to other lines of insurance, like commercial auto, trucking, and contractor coverage, where I could build more consistency and help businesses protect what matters most.

That decision gave me room to grow in new directions. I built relationships with fleet managers, contractors, and professionals who needed reliable coverage. I launched creative campaigns, educational materials, and even digital products to help people understand their options. And for a while, I stayed away from home insurance altogether.

But here’s the twist: clients from years ago have started calling me again. They’re frustrated with skyrocketing premiums, sometimes doubling or tripling in just a few years. They’re seeing their mortgage payments climb because insurance is escrowed, and they’re asking me the same question: “Is there anything you can do?”

The answer is yes.

With the tools I use today, I can quickly shop policies across multiple carriers. I enter the basics — square footage, year built, construction type, zip code, and so on — and I’m able to see quotes from agents all over the state. I can narrow down options to three carriers that make sense, and more often than not, the premiums are half or less of what people are currently paying.

Just yesterday, I helped a client whose premium had jumped to over $6,000. Even with past claims on her record, I was able to find her a policy for less than half that amount. Yes, we had to make adjustments — excluding water damage coverage, for example — but I also improved her policy in other areas, adding protections she didn’t have before, like Equipment Breakdown coverage.

That’s the kind of balance I strive for: transparency about what’s changing, but creativity in finding ways to strengthen coverage where it matters.

So why am I back in the home insurance game? Because I see the need. Florida homeowners are tired of feeling trapped by rising premiums and disappearing carriers. They want someone who understands the history, who’s been through the ups and downs, and who can navigate the current landscape with honesty and skill.

I may have stepped away for a while, but I never stopped caring about helping people protect their homes. And now, with better tools and renewed focus, I’m ready to help families save thousands of dollars and put that money to better use — whether it’s paying down debt, investing in their future, or simply breathing easier knowing their coverage is secure.

If you’re a Florida homeowner and your insurance renewal has you worried, let’s talk. I’ll shop the circumstances, disclose everything, and fight to get you the best value possible.

📲 Call or DM me today. Let’s see if we can cut your premium by $1,000, $2,000, or more — and give you peace of mind in the process.

🚐 NEMT Coverage Option with Berkshire Hathaway

If you’re in the Non-Emergency Medical Transportation (NEMT) business and need a quote, I can provide you with a quick Berkshire Hathaway option.

👉 Full transparency: this may not be the most competitive rate on the market, but it’s a solid coverage option that can help establish a baseline for your insurance needs.

Sometimes it’s not about chasing the lowest price — it’s about knowing what’s available and having a reliable starting point.
Berkshire Hathaway offers that.

If you’d like a quote, reach out and I’ll get it to you quickly.

🚚 Commercial Auto Insurance That Moves With You

Whether you're hauling freight across state lines or running local routes in a cargo van, your business deserves coverage that’s as driven as you are.

We offer access to a wide range of carriers tailored to fit your operation:

🔹 Box Trucks (OTR & Local) – Long-haul or short-haul, we’ve got options that understand your mileage and risk.
🔹 Cargo Vans – Perfect for last-mile delivery, mobile services, and small business fleets.
🔹 Hotshot Trucking – Fast, flexible coverage for expedited loads and time-sensitive hauls.
🔹 Small Fleets – Whether it’s 3 or 30 vehicles, we help you scale with confidence.
🔹 Owner-Operators & Contractors – Customized policies that protect your rig, your cargo, and your reputation.

From liability to physical damage, we match you with carriers that know your niche and support your growth.

Let’s talk coverage that works as hard as you do.

CommercialAutoInsurance