In Miami, Coral Terrace and Westchester, FL
Helping our clients acquire the right insurance for their home, auto, business and liability is our top priority!
Having your Car, Boat or Airplane insured is a top priority.
For when the bad weather hits or those unimaginable moments.
Secure your business against thefts or in the case of accidents.
Safeguard your business from unnecessary expenses.
Be prepared and minimize the risk associated with your business\.
Cover your unit and common areas not included in your homeowners association's policy.
We’ve been in business helping clients in South Florida for over 35 years. Let us help guide you in the right direction!

About us
For more than 35 years, PTL Insurance Associates, Inc. has been serving the insurance needs of Miami-Dade, Coral Terrace, and Coral Gables, FL residents, and businesses. PTL Insurance Associates is a fully licensed and insured independent broker. Hablamos Español. We represent many companies, offering you the best quotes and options in insurance for your home, auto, and commercial insurance.
Trusted by Individuals & Businesses in Miami, FL
Thanks to our comprehensive knowledge and experience, our team is prepared to consult with you about all of your insurance policy questions and concerns. Upon our initial consultation, we want to dive into what it is you need to be insured, what you’re looking for, and your expectations— plus your concerns about price and coverage—and move forward from there. We care about the well-being of our clients and strive to approach everyone with honesty and sincerity. We will seek the best insurance policy for your needs and budget. Give us a call today at

The most commonly asked questions that we receive at PTL Insurance and our answers.
Whether you need to add a car, add a recreational vehicle, or tell us about a move… making a change is as easy as calling our office at (305) 262-7094.
To report a claim, you have several options: You can contact your carrier directly. Or, you can call our office at (305) 262-7094, and we’ll help you through the process.
The three main types of car insurance are liability, collision, and comprehensive coverage. Liability insurance covers damages you cause to others, while collision and comprehensive insurance cover repairs to your own vehicle.
Most HO-3 policies, though not all, cover the actual cash value of personal property, factoring in depreciation. In contrast, HO-5 policies offer replacement cost coverage, reimbursing homeowners for the cost of replacing damaged or lost items at their current market value.
Yes! We insure your business assets including property, autos and machinery.
We believe that everyone’s coverage should be tailored to fit them. That is why you will never see a “one-size-fits-all” price offered by PTL Insurance. We prefer to customize our proposals to fit your individual needs and lifestyle… offering you the best protection of your assets and financial future.
PTL Insurance has served local business owners for over 35 years.
At PTL Insurance we provide all of our prospective insurance clients with free over the phone quotes.
If you’re interested in obtaining home, auto, life, business, health, farm insurance or interested in any bonding information, please fill out our short form and a PTL representative will contact you shortly.