If you have been trying to figure out Florida insurance on your own… you already know how that goes.
Premiums that jump at renewal with no explanation. National brands that do not write here. Online quote forms that sell your information before you even finish typing. And a phone number that rings to someone who does not know your name, your roof, or your neighborhood.
A & J Insurance Services is an independent insurance agency on Lucerne Avenue in Lake Worth Beach. We have been placing auto, home, flood, and business insurance for Palm Beach County families and businesses since 2007. One office. Real people. No phone tree.
Reviewed July 2026 · Roberto Ramos Jr., Licensed 2-20 P&C Agent · FL License #P111106 · Serving Palm Beach County since 2007
One of the things we hear most from clients is that their previous agent never called them back. Never reviewed their policy. Never told them when a better rate was available.
That is not how we work.
Here is the thing about the big national names. Most of them write little or no new business in Florida right now. The ones that do often have limited carrier options for coastal properties, high-risk flood zones, or older roofs. You call, you find out they cannot help you, and you start over.
You fill out the form. Your information goes to a list. And then…
That is not our description. That is what real Palm Beach County residents say about it.
Going through a local independent agency costs you nothing extra. We are compensated by the carriers when we place your coverage. The shopping, the comparing, the explaining… all of it is free to you. You get more options, a real person, and someone who is still there when you need to make a claim.
Citizens Property Insurance received OIR approval for an average rate decrease of 8.8% on homeowners multi-peril policies, effective July 1, 2026. Every Citizens personal-lines policyholder gets at least a 2% reduction. If you are currently in Citizens and have not had your policy reviewed recently, it is worth a conversation.
Getting covered is the easy part. The hard part is what happens after a claim.
Wind versus water disputes. Carriers that are slow to respond. Adjusters who give you a number that does not come close to your actual loss. Policy language that nobody explained to you at the time you bought the coverage.
We walk you through the claims process before it starts. We make sure you understand what your policy covers, what the deductibles are, and what to expect when you call your carrier. And when you call us during a claim… we answer.
Roberto Ramos Jr. has been placing P&C insurance in Palm Beach County since 2007. When you call A & J, you are talking to Roberto. He handles everything… quoting, coverage recommendations, policy changes, and claims guidance. He knows his clients by name and answers his own phone. Fluent in English and Spanish.
Roberto earned his 2-20 license in 2007 after watching how the industry worked up close. He saw agents who prioritized commissions over clients. He decided to do it differently. The agency has been built entirely on referrals since then… which tells you everything you need to know about how that approach has worked out.
We shop the market. We explain the coverage. We answer the phone. And we are here when you need us… not just when you are buying.
If you are overpaying, we will tell you. If your current coverage has a gap, we will find it. If you had a bad experience with another agent or a carrier, we will listen to what happened and help you get it right this time.
We have been doing this in Lake Worth Beach since 2007. We plan to be here a long time.
