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Personal Insurance

HOME

HOME

 Your home is more than just a house—it's where life happens. We'll help protect your home, personal belongings, and the things that matter most with coverage tailored to your needs.

AUTO

HOME

 The right auto insurance is about more than meeting state requirements—it's about protecting your vehicle, your finances, and your peace of mind every time you get behind the wheel. 

Street Legal Golf Cart / LSV

 Street-legal golf carts and Low Speed Vehicles (LSVs) have become a popular way to get around Key West. We'll help you secure the right insurance coverage to protect your investment and meet Florida registration requirements. 

FLOOD

Residential Condo

 Flooding can happen anywhere in the Florida Keys—not just near the water. We'll help you find the right flood insurance to protect your property and everything you've worked hard to build. 

Residential Condo

Residential Condo

Residential Condo

 Condo insurance helps protect your personal property, interior improvements, personal liability, and more—giving you confidence that you're covered when the unexpected happens.

UMBRELLA

Residential Condo

Residential Condo

 When your existing liability limits aren't enough, Personal Umbrella Insurance provides an extra layer of protection for your home, auto, boat, and other personal assets—giving you greater financial security and peace of mind. 

RENTAL PROPERTY

RENTAL PROPERTY

RENTAL PROPERTY

 Protect your rental property with customized insurance designed for annual, seasonal, and short-term vacation rentals—so you can rent with confidence. 

 © Southernmost Insurance Agency Inc 2026

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