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In this episode, we sit down with Matt Ekberg, agency owner at ERB & Young, an independent insurance agency helping Florida homeowners and investors navigate the complex world of property insurance, flood insurance, and risk management across the Tampa Bay and Florida real estate markets.
Matt breaks down how independent insurance agents shop multiple carriers to build custom home, auto, flood, and boat insurance packages, why Florida insurance is unlike anywhere else in the country, and how to avoid costly mistakes when buying property in flood zones.
We dive into critical topics like FEMA’s 50% Rule, reinsurance strategies, carrier stability, and how smart buyers can save thousands by transferring existing flood policies. If you’re buying, investing, or building in Florida, this episode is packed with expert insights on licensed insurance strategies, land risk, policy structuring, and navigating complex Florida insurance regulations.
