Get a quote that fits your life
We compare rates from top carriers and walk you through your options. Home, auto, business — we make it simple.
Why did we start an insurance agency in Orlando?
We saw too many people getting lost in fine print and cookie-cutter policies. So we built an agency that takes the time to explain, compare, and find the right fit for each person.
Founder | Licensed Florida Insurance Agent
Vannesa Said
Vannesa Said is a licensed Florida insurance agent and mortgage professional who understands the importance of protecting what matters most. She works closely with homeowners, homebuyers, and small business owners to provide personalized insurance solutions, fast quotes, and exceptional service. Fluent in English and Spanish, she is committed to helping clients make confident decisions every step of the way.
Co-Founder & Director of Operations
Hamed Said
Hamed Said oversees client relationships, day-to-day operations, and agency support. As the primary point of contact for many of our clients, he is committed to delivering exceptional service and ensuring a smooth experience from start to finish. He works closely with our licensed agents to coordinate communications, answer general questions, and help clients navigate the insurance process with confidence.
What our Florida neighbors say about us
Real feedback from people who needed straightforward insurance guidance and found a team that listened.
Lumera walked me through every step of my homeowners policy. I finally understand what I'm covered for, and the rate was better than what I had.
Maria Gonzalez
Homeowner in Kissimmee
I needed a flood policy fast before closing on a house near Orlando. Lumera got it done in under a day. No stress, just handled.
David Park
Homebuyer in Winter Park
Explaining insurance in plain English and Spanish makes all the difference. Lumera helped my family get auto and renters coverage in one call.
Carmen Rivera
Small Business Owner in Orlando
Five answers to what clients ask most
Quick answers to the questions we hear every week in Orlando.
What does an independent agent do differently?
We compare rates from multiple carriers for you, not just one. That means you get more options and a clearer picture of what fits your budget and coverage needs.
Can you help me bundle home and auto insurance?
Yes. Bundling often saves you money, and we can run the numbers side by side to show you exactly what you'd pay with each option before you decide.
How fast can you get me a quote?
Most quotes come back within a few hours. If you're on a tight closing deadline, let us know — we can prioritize your request and keep things moving.
Do you work with Spanish-speaking clients?
Absolutely. We offer full service in both English and Spanish so nothing gets lost in translation when you're choosing your coverage.
What types of small business insurance do you offer?
We cover general liability, commercial property, workers' comp, and more. We'll walk through what your business actually needs and skip what it doesn't.
Do you handle flood insurance for Florida homes?
Yes. Flood insurance is separate from a standard homeowners policy, and we can help you find a flood policy that meets lender requirements and protects your property.
Still have questions?
Send us a message or give us a call. We're happy to walk through your situation.
Get a full policy review — no strings attached
We walk through what you have, compare rates, and show you what fits. No pressure, just clarity.
You don't have to live in Orlando to work with us.
We're based here, but we serve clients across Florida. Homeowners in Miami, small businesses in Tampa, condo owners in Jacksonville — we help compare rates and find the right coverage no matter where you are in the state.