Licensing & Disclosures

About our agency

Arace Insurance Agency LLC is an independent insurance agency licensed in the State of Florida. As an independent agency, we are appointed with multiple insurance carriers and act on your behalf to help you compare and obtain coverage. We are not owned by, and do not exclusively represent, any single insurance company.

Licensing: Arace Insurance Agency LLC is a licensed insurance agency operating in the State of Florida. Our current license number is available on request and is filed with the Florida Department of Financial Services.

Coverage disclosures

• Coverage descriptions on this site are general summaries and are not a statement of contract. Actual terms, conditions, limits, and exclusions are governed solely by the issued policy.
• No coverage is in force until an application is accepted and a policy is bound in writing by an authorized carrier.
• Not all products, coverages, discounts, or carriers are available in all areas or to all applicants. Availability is subject to carrier appetite, underwriting, and eligibility.
• Premiums and quotes are estimates based on the information provided and are subject to change upon underwriting review and verification.

Flood insurance disclosure

Standard homeowners and commercial property policies do not cover flood damage. Flood coverage is available separately through the National Flood Insurance Program (NFIP) and certain private flood carriers. Waiting periods and coverage limits vary by program and policy.

How we are compensated

We are typically compensated by the insurance carrier through commissions when you purchase a policy through us. In some cases, additional fees or other forms of compensation may apply and will be disclosed as required by law. There is no separate fee to receive a quote from us.

Carrier & rating information

Insurance is provided by third-party carriers. The financial strength and claims-paying ability of any carrier are the responsibility of that carrier. We do not guarantee the financial condition of any insurer.

Third-party tools

This website may use third-party scheduling and quoting tools. Your use of those tools is subject to the respective provider's terms and privacy practices.

Regulatory contact

The Florida Department of Financial Services and the Florida Office of Insurance Regulation oversee insurance activities in Florida. You may contact the Florida Department of Financial Services with questions or complaints regarding insurance.

Contact us

For questions about our licensing or these disclosures, contact Arace Insurance Agency at leo@araceinsurance.com, by phone at (413) 841-1315, or by mail at 9406 La Bianco Street, Estero, FL 33967.