We provide a full range of insurance solutions, including auto, home, life, health, and business insurance.

Our licensed agents take the time to understand your needs, lifestyle, and goals. Whether you’re looking to protect your family, property, or future, we’ll walk you through the best-fit options.

Yes. We offer free, no-obligation quotes for all insurance products. You can request one online, give us a call, or stop by our Brandon, FL office to speak with a local expert.

Absolutely. Our team is happy to assist both English and Spanish-speaking clients to ensure you feel fully informed and confident in your coverage decisions.

With over 20 years serving the Brandon community, we offer personalized service with a local touch, backed by trusted industry partners. We prioritize integrity, education, and long-term relationships over transactions.

Most Florida homeowners policies have a separate hurricane deductible, often calculated as a percentage of your dwelling coverage. It applies to covered hurricane damage and can be different from your standard deductible. Romero Insurance can help explain the deductible options on your policy and what you would be responsible for after a storm.

No. Standard homeowners policies generally do not include coverage for flooding caused by rising water or storm surge. Flood insurance must usually be purchased separately through the NFIP or a private flood insurer. We can help you compare available options.

PIP stands for Personal Injury Protection. Florida requires vehicle owners to carry at least $10,000 in PIP coverage, along with at least $10,000 in Property Damage Liability. PIP helps cover certain injury-related expenses after an accident, regardless of who caused the crash.

Yes. Roof age, material, shape, condition, and available wind-mitigation features can affect both your eligibility and your homeowners insurance premium in Florida. A newer or properly updated roof may also help you qualify for certain credits or better carrier options.

For most people, the Initial Enrollment Period begins 3 months before the month you turn 65, includes your birthday month, and continues for 3 months afterward, for a total of 7 months. Other enrollment periods may apply depending on your circumstances.

Yes. Romero Insurance & Financial Services offers insurance options for mobile and manufactured homes in Florida. Coverage and carrier availability can depend on factors such as the home’s age, location, condition, and construction. Contact our team and we can help review available options.