Not FMAP.org · a private alternative
Florida home insurance quotes, with your information kept to one agency
Your request goes only to Nymble Insurance. Never sold, never shared with other agencies.
Looking for FMAP? The official Florida Market Assistance Plan at fmap.org shares your request with participating agents and insurers, so multiple agencies may contact you. FMAP.insure is a private option from Nymble Insurance, a licensed Florida agency: one agency quotes every applicant and compares options on matching coverage.
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- Licensed Florida agency L131669 · NPN 21626709
- Your info goes only to Nymble never sold or shared with other agencies
- We quote every applicant Citizens, takeouts, non-renewals
- All 67 counties find yours
FMAP.org vs. FMAP.insure
How your request is handled on each
FMAP's privacy notice: your information “will be made available to Florida licensed agents and insurance companies participating in FMAP.”
Only Nymble Insurance handles your request. It's never sold or passed to other agencies.
Sharing with participating agents and insurers is a condition of using the service.
One licensed agency, one point of contact from start to finish.
Any participating agency can pick up your request and reach out.
No pile-up of calls. We contact you the way you prefer.
Agencies quote from the same carrier pool, so you may get several quotes from one carrier, each with different coverage and price.
We compare quotes apples to apples, so the price difference you see is real.
Higher deductibles or lower limits can hide behind a cheaper number.
No agency gets better rates from a carrier, so we compare coverage, not just price.
FMAP is a free state-authorized referral service administered by Citizens. Details from FMAP's published privacy notice. FMAP.insure is not affiliated with FMAP or Citizens.
Why does a cheaper quote often mean less coverage?
No agency gets better rates from an insurance company. Carriers file their rates with the State of Florida, and every agency quoting that carrier uses the same rates. So when one agency's quote from a carrier is lower than another's from the same carrier, the coverage is almost always different.
Illustrative example only. Not a real quote, carrier or price.
| Same carrier, same home | Quote A | Quote B (lower price) |
|---|---|---|
| Hurricane deductible | 2% of dwelling | 5% of dwelling |
| Dwelling limit | Full rebuild cost | Set below rebuild cost |
| Roof claims paid | Replacement cost | Payment schedule by roof age |
| Ordinance or law | Included | Not included |
| Rate the carrier filed | Same | Same |
Quote B isn't a better deal. It's less insurance.
How does the official FMAP work?
FMAP is a free referral service authorized by Florida law in 1985 and administered by Citizens. When you register, FMAP makes your property information available to participating Florida licensed agents and insurers, and agents who think they can help contact you. FMAP's privacy notice says you can't limit that sharing and still use the service. Read the full explainer.
What happens after you submit?
- 1. Only Nymble receives it. Your request is not sent to FMAP, Citizens or other agencies.
- 2. One licensed agent reaches out by the method you prefer.
- 3. We gather what carriers need: roof age, wind mitigation and 4-point reports if you have them.
- 4. You get options lined up on matching coverage, so the price difference is real.
- 5. You decide. No obligation and no pile-up of calls from other agencies.
Frequently asked questions
Is FMAP.insure the same as FMAP.org?
No. FMAP.insure is a private website run by Nymble Insurance LLC, a licensed Florida agency. FMAP.org is the official, free Florida Market Assistance Plan referral service administered by Citizens. We are not affiliated with FMAP, Citizens or the State of Florida.
Who sees my information on FMAP.org?
FMAP's privacy notice says your information will be made available to Florida licensed agents and insurance companies participating in FMAP, solely to offer you coverage. Multiple agencies may contact you.
Who sees my information on FMAP.insure?
Only Nymble Insurance. We do not sell your request or pass it to other agencies. The insurance companies we request quotes from receive the details they need to quote.
Can Nymble quote my home?
Yes. We quote every applicant, including Citizens policyholders, homeowners with takeout offers, and non-renewals, and we compare options on matching coverage.
Do agencies get different rates from the same insurer?
No. Carriers file rates with the State of Florida and every agency uses the same filed rates. Different prices from the same carrier almost always mean different coverage.
Does requesting a quote here register me with FMAP?
No. Only fmap.org registers you with FMAP. You can use both.
Is there a cost?
No. Requesting a quote is free and there's no obligation.
What areas do you cover?
All 67 Florida counties. See our Florida county and city guides.
From the blog
You can use both. Requesting a quote here does not register you with FMAP, and using FMAP doesn't stop you from contacting us.