If Life Happens, Your Family Keeps the Home.
We help Florida homeowners protect the mortgage — and the people behind it — with coverage from A-rated carriers. No pressure, no jargon, and no-exam options that can have you approved in as little as 24 hours.
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Thank you — Mario will personally reach out within a few hours to talk through your options.
One Plan. Three Ways It
Protects Your Family.
The mortgage doesn't pause for life's hardest moments. The right policy makes sure your family never has to choose between grieving and keeping the house.
The Mortgage Gets Paid
Your policy pays a tax-free benefit that can wipe out the mortgage entirely — so your family keeps the home and the memories in it, without the payment.
Living Benefits Pay You Now
Many modern policies let you access your benefit while you're alive after a critical illness like cancer, heart attack, or stroke — cash when you need it most.
Payments Stay Covered
Optional disability riders can help cover your mortgage payment while you recover — protecting your credit, your equity, and your peace of mind.
We Know What a Florida
Mortgage Actually Costs.
South Florida home prices, insurance premiums, and HOA dues have climbed far faster than the coverage most families carry. A workplace policy written years ago rarely covers what a Miami-Dade or Broward mortgage looks like today.
See Exactly What Your
Family Is Protected Against.
Insurance shouldn't be a mystery. When you work with us, you'll know precisely what's covered, what it costs, and what your family receives — modeled out before you commit to anything.
Coverage Built Around Your
Mortgage — and Your Life.
Every family is different. As independent agents, we compare 30+ A-rated carriers to match you with the right plan at the right price.
Purpose-built to pay off or pay down your mortgage if the unexpected happens.
The most coverage per dollar — lock in protection for 10 to 30 years.
Permanent coverage that never expires and builds cash value you can use.
Access your benefit while alive after a qualifying critical or chronic illness.
Not All "Mortgage Insurance"
Protects Your Family.
This is the part most homeowners never hear. Here's how a personal policy through United Family compares to what you may already have.
| What It Does | United Family Policy | Lender's PMI | Workplace Coverage |
|---|---|---|---|
| Pays your family (not the bank) | |||
| You own it — can't be canceled by others | |||
| Follows you through refinance & job changes | |||
| Living benefits for critical illness | |||
| Usually enough to cover a full FL mortgage | |||
| Family can use funds however they need |
PMI protects the lender if you default. Workplace coverage is typically 1–2x salary and ends when you leave the job.
A Mortgage Is a Promise You Make to Your Family.
The day you get the keys, you're not just buying a house — you're promising the people inside it a place to land. Coverage is how you keep that promise even if you're not the one who can.
What Would Protection Cost You?
Drag the sliders for an instant illustrative estimate — then get your real quotes in one free call.
Illustrative estimate only for a healthy non-smoker; actual rates vary by carrier, health class, and eligibility. Your free consultation includes exact quotes from 30+ A-rated carriers.
Protected in Three Simple Steps
A 10-Minute Conversation
We learn about your mortgage, your family, and your budget. You ask anything — we speak plain English.
We Shop 30+ Carriers
As independent agents we compare A-rated carriers side by side and bring you the best-fit options — not a one-size quota.
You're Covered
Simple application, often no medical exam. Many clients are approved in as little as 24 hours — then we review annually, free.
This Is Who You're
Protecting.
Not a policy number. Not a premium. The people who'll still need a home to come back to, no matter what happens to you.
One Agent. Your Whole
Policy Life.
When you work with United Family Insurance, you get a dedicated licensed agent — not a rotating call center. Mario has spent 15+ years helping Florida families put real protection in place.
Built on Trust,
Not Pressure.
Licensed & Independent
United Family Insurance is a licensed Florida agency that shops 30+ A-rated carriers on your behalf — we work for you, not for one insurance company.
Zero-Pressure Guarantee
Every consultation is free and obligation-free. If the honest answer is that you don't need more coverage, we'll tell you that too.
Ask Us for References
We're still building out our public reviews — in the meantime, ask us directly and we'll gladly connect you with families we've helped.
Everything You're Wondering —
Answered Honestly.
One 10-Minute Call Could Protect
Everything You've Built.
Free consultation. No obligation. Real answers from a licensed Florida agent.
or call 305-323-3305 — Mon–Sat, 8am–7pm