JoNa Insurance Agency is a Miami, Florida insurance agency that sells auto, home, commercial, and life coverage. Its website lists Florida license #L130369 and an office at 11398 W Flagler St, Suite 208. The BBB lists it as an accredited LLC, incorporated in January 2025. Some directory profiles still show an older address and phone number.
That’s the short answer. But small agencies leave a scattered trail online. Directories copy old data. Review counts differ by platform. And the agency describes itself in two different ways.
So this page works like a fact-check file. Each section is an exhibit. Each fact gets a source and a status: Confirmed, Conflicting, or Check Yourself.
Exhibit A: Identity and Contact Details
Here’s what public sources show as of October 4, 2026.
| Fact | What We Found | Source | Status |
| Legal entity | Registered as an LLC under the JoNa name | BBB | Confirmed |
| Address | 11398 W Flagler St, Ste 208, Miami, FL 33174 | Agency site, BBB | Confirmed |
| Older address | 11401 SW 40th St, Ste 312, Miami, FL 33165 | Agency Height, ZoomInfo, Yelp listing title | Conflicting |
| Phone | (305) 501-4747 | Agency site, BBB | Confirmed |
| Other phone | (786) 355-3953 | Agency Height | Conflicting |
| Hours | Mon–Fri, 9:00 a.m. to 5:00 p.m. | Agency site | Check Yourself |
| Incorporated | January 16, 2025 | BBB | Confirmed |
| Business started | March 27, 2025 | BBB | Confirmed |
| Leadership | Naylett Ortega (CEO), Jose L. Garcia (Vice President) | BBB | Confirmed |
| Languages | English and Spanish | Agency site | Confirmed |
What the Address Conflict Probably Means
The agency’s own site and the BBB now agree on the Flagler Street address. Directory sites still show SW 40th Street.
That pattern usually means a move, with directories lagging behind. It isn’t a red flag by itself. But call before you visit in person.
The Age Question
Here’s a detail most listings blur. The BBB shows the LLC was incorporated in 2025. ZoomInfo says the agency claims “over 10 years of combined industry experience.”
Both can be true. Staff experience and company age are different things. A new LLC can be run by people who’ve sold insurance for years. Just read “years of experience” claims as staff experience, not company history.
Exhibit B: License and Accreditation
The Florida License
The agency’s website displays Florida license #L130369. The BBB profile shows the same number.
But a number on a website isn’t proof. The Florida Department of Financial Services (DFS) licenses insurance agencies and agents. Its online licensee search is the authoritative place to check.
How to check any Florida agency in five minutes:
- Go to the Florida DFS website and open the licensee search tool.
- Search by the license number or the business name.
- Confirm the license is active.
- Check the license types, such as property and casualty or life.
- Look up the individual agent who will quote you, too.
Decision checkpoint: If the license number on a website doesn’t match an active DFS record, stop. Don’t share your driver’s license or Social Security number until it’s resolved.
BBB Accreditation Isn’t a License
As of October 4, 2026, the BBB shows JoNa as a BBB Accredited Business since April 30, 2026, with an A- rating. Its BBB file opened on April 8, 2026.
That’s useful context. But BBB accreditation is a private standards program. It isn’t a state license, and it doesn’t measure claims handling. The license check above matters more. If a claim dispute arises later, our Alabama insurance claim lawyer guide explains how those disputes work.
Exhibit C: What the Agency Sells
The agency’s website lists four product lines: auto, home, commercial, and life insurance. Directory profiles add more detail on commercial lines. High-value life policies, like the ones covered in our guide to the cost of a $20 million life insurance policy, usually need specialist carriers.
| Product Line | Listed Where | What to Ask |
| Auto | Agency site | Which carriers can quote my driving record? |
| Home | Agency site | Can you place wind coverage for my ZIP code? |
| Commercial (GL, BOP, workers’ comp, commercial auto, umbrella, E&O) | Agency Height | Do you write my industry’s class codes? |
| Life (term, whole, universal) | Agency site, Agency Height | Which life carriers are you appointed with? |
Auto Insurance in Florida
Florida’s rules are unusual. According to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV), drivers must carry at least $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL). Bodily injury liability isn’t required for most private passenger cars. Our guide to Florida car insurance quotes covers these rules in more detail.
Here’s where a cheap quote can mislead you. A PIP-and-PDL-only policy meets the law. But it doesn’t pay for injuries you cause to others. One serious crash could leave you personally exposed. Our guide on how to get liability car insurance explains how bodily injury limits work.
Florida also has one of the higher uninsured driver rates. The Insurance Research Council estimated that 20.6% of Florida drivers were uninsured in 2023. That’s why uninsured motorist coverage deserves a real look. Our guide to an uninsured motorist lawsuit explains what happens when an uninsured driver hits you.
ZIP code also shapes Miami auto rates. The same pattern shows up in other cities. Our walkthrough of Denver car insurance quotes shows how one driver’s ZIP code shaped her price.
Weather drives pricing differently in each state. Our guide to Colorado auto insurance quotes shows how hail pushes comprehensive costs up there. In South Florida, flooding and hurricanes play that role.
Home and Property Insurance
Florida homeowners face hurricane deductibles, wind coverage limits, and inspection requirements. Hurricane deductibles are often a percentage of the dwelling limit, not a flat dollar amount. Our guide to home insurance quotes in Rhode Island shows how percentage hurricane deductibles translate into real dollars.
Storm season adds another friction point. Insurers can pause new policies when a hurricane threatens. Our guide to RV insurance quotes in Florida explains how these “binding restrictions” work.
Renters need their own coverage too. A landlord’s policy doesn’t cover a tenant’s belongings. Our guide on whether USAA renters insurance covers storage units explains how off-premises limits usually work.
Commercial Insurance
Small businesses often need several policies at once. Workers’ comp is one of the most misunderstood, especially when a business uses an outside employer. Our guide to employer of record insurance coverage explains who holds workers’ comp in those arrangements.
Exhibit D: Carriers, Two Lists That Don’t Match
The agency’s website shows seven carrier logos:
- The General
- United Insurance Company
- Bristol West
- Kemper
- National General
- GEICO
- Assurant
The site also says it offers access to “10+ top carriers.” As of October 4, 2026, its Agency Height profile says “No appointed carriers yet.” Earlier versions of directory data listed different names.
So which list is right? You can’t tell from the outside. A logo strip isn’t the same as an active appointment. Carrier availability also differs by state, as Texas car insurance quotes show.
What Those Carriers Suggest
Several names on the site, such as The General and Bristol West, are known for non-standard auto insurance. That market serves drivers with tickets, accidents, lapses, or limited history. New York car insurance quotes show how non-standard pricing works in a stricter market.
That’s useful if you’ve struggled to find coverage. But non-standard policies can cost more and may come with tighter terms. Compare carefully.
Decision checkpoint: Before you get a quote, ask which carriers the agency is currently appointed with for your type of policy. Then ask which of those will actually quote your profile.
Exhibit E: The “Wholesaler” vs. “Independent Agency” Question
This is the most interesting inconsistency in the file.
The agency’s homepage says: “As insurance wholesalers, we provide direct access to preferred pricing and exclusive terms from 10+ top carriers.” Its About page says: “As an independent agency, we don’t work for one insurance company—we work for you.”
Those terms mean different things in the industry:
| Term | What It Usually Means | Who It Serves |
| Captive agent | Sells for one insurer | Consumers |
| Independent agent | Sells for several insurers | Consumers |
| Broker | Represents the buyer, sometimes for a fee | Consumers and businesses |
| Wholesaler | Gives retail agents access to specialty markets | Usually other agents, not the public |
Here’s my read, clearly as an opinion: for a consumer, “independent agency” is the description that matters. A wholesaler normally works behind retail agents. For an example of how a specialty program works with retail agents through its own portal, see our guide to the US Assure agent login.
Captive agents follow a different model. Our walkthrough of an Allstate homeowners quote shows how a single-carrier quote lays out each coverage line. That makes a useful benchmark for comparing quotes.
How Independent Agents Are Usually Paid
Independent agents are typically paid commissions by the insurers they place business with. Some agencies also charge fees. Ask up front whether any agency or policy fee applies, and get it in writing.
Exhibit F: JoNa Insurance Agency Reviews
What do the reviews actually show? Less than you might hope.
| Platform | What We Found (Oct. 4, 2026) | Note |
| 5.0 rating displayed on the agency’s own website | We couldn’t independently confirm the review count | |
| Yelp | Listing exists | Yelp blocked our automated check; view it yourself |
| BBB | No review count is shown on the profile we viewed | Accreditation is separate from reviews |
| Agency Height | 0 reviews | The profile also shows no appointed carriers |
Why a Small Review Count Limits Conclusions
The reviews are thin, and that’s normal for a young agency. But a 5.0 rating from a handful of reviews tells you little. One upset customer could change it overnight.
Here’s the contrarian point. A perfect score with very few reviews isn’t stronger than a 4.6 with hundreds. Volume, recency, and detail matter more than the star average.
How to Judge Any Agency’s Reviews
Use this scorecard when reading any small agency’s reviews:
- ☐ Are reviews spread across more than one platform?
- ☐ Are there several reviews from the last six months?
- ☐ Do reviews mention specifics, like a claim or renewal?
- ☐ Does the agency respond to criticism calmly?
- ☐ Do any reviews describe the claims experience?
Claims are the real test. And remember, the carrier decides claims, not the agency. A good agent can help you file and follow up. But they don’t control the payout. If a carrier wrongly denies a claim, our California insurance claim lawyer guide explains your options.
Who This Agency May Fit, and Who Should Look Further
This isn’t a recommendation. It’s a fit test based on the public record. Business owners needing vehicle coverage can also start with our guide to commercial auto insurance.
May fit if you:
- Prefer service in Spanish
- Want one office to quote auto, home, commercial, and life
- Have a driving record that needs non-standard carriers
May want to compare more widely if you:
- Need a long track record at the company level
- Want many independent reviews before you decide
- Need a carrier that isn’t on the agency’s list
A Realistic Scenario
Illustrative example: A Miami driver with one at-fault accident gets a quote with only Florida’s minimum PIP and PDL. It’s the cheapest option. But it includes no bodily injury liability and no uninsured motorist coverage. Our car accident settlement calculator shows how quickly an injury claim can grow.
Are the savings practical? For someone with a home, savings, or steady wages, probably not. One injury claim could cost far more than years of premium savings. Ask any agency to quote at least two coverage levels side by side. If an uninsured driver injures you, our guide to finding a lawyer for a car accident with no insurance explains your options.
Before You Request a Quote: The Data-Safety Checklist
Quote forms often ask for your driver’s license number, date of birth, and address. Some include consent to be contacted by phone or text.
- ☐ Verify the license with Florida DFS first
- ☐ Read the contact-consent language before you submit
- ☐ Ask whether the quote is final or subject to underwriting
- ☐ Ask which carrier will issue the policy
- ☐ Ask about any agency fees
- ☐ Get the quote in writing, with limits and deductibles listed
That third item matters. A quote isn’t a policy. Carriers often check your driving record and claims history after you apply. Your final premium can change. Life policies go through similar underwriting, as our guide to a $2 million dollar life insurance policy explains.
Looking Ahead
Florida’s insurance market has been volatile, especially for property coverage. Hurricane season runs from June 1 to November 30 each year. Agencies that rely on a small set of carriers may see options change at renewal. That’s a reasonable expectation, not a confirmed forecast. Shop your policy at each renewal regardless of which agency you use. Families reviewing life coverage at renewal may also compare the cost of a $3 million life insurance policy.
The Bottom Line
JoNa is a young Miami agency, incorporated in 2025, that offers auto, home, commercial, and life coverage in English and Spanish. Its contact details are mostly consistent on its own site and the BBB. Directory data lags behind. Its carrier list and the thin set of JoNa Insurance Agency reviews are the parts to verify most carefully.
Your one practical next step: look up license #L130369 in the Florida DFS licensee search before you share personal data. Then compare at least two quotes with identical limits from any agency you choose.
Frequently Asked Questions
Is JoNa licensed in Florida?
The agency displays Florida license #L130369, and the BBB shows the same number. Confirm it’s active using the Florida DFS licensee search.
Is the agency BBB accredited?
As of October 4, 2026, the BBB lists it as accredited since April 30, 2026, with an A- rating. Check the live profile, since the status can change.
Are JoNa’s reviews reliable?
They’re limited. The agency’s site shows a 5.0 Google rating, but review counts across platforms are small. Read them for detail and recency, not just stars.
Does the agency work with multiple carriers?
Its website shows seven carrier logos and claims access to 10+ carriers. Ask which carriers it’s currently appointed with for your policy type.
Does it offer Spanish-language service?
Yes. Its website says it serves clients in English and Spanish.
Who handles claims?
The insurance carrier decides and pays claims. An agency can help you report a claim and follow up.
Which address and phone number are current?
As of October 4, 2026, the agency’s website and the BBB list 11398 W Flagler St, Ste 208, and (305) 501-4747. Some directories still show older details.
Michael Bennett is a U.S. insurance research and consumer education writer at Insurancebasics Hub, an independent resource dedicated to helping consumers understand insurance policies, coverage decisions, claims, and insurance-related consumer protections. His work covers auto, homeowners, renters, life, and other areas of insurance, with a focus on making complex insurance topics easier to understand.
Michael takes a research-focused approach to insurance content, using authoritative government and regulatory resources, state insurance department guidance, applicable insurance rules, policy provisions, and documented industry information. His articles examine important details such as coverage limits, deductibles, exclusions, policy conditions, premiums, claims, denials, cancellations, renewals, and state-specific requirements.
His goal is to provide accurate, transparent, and practical information that helps readers make better-informed insurance decisions. Insurancebasics Hub provides general educational information and does not replace individualized advice from a licensed insurance professional, attorney, financial professional, or other qualified adviser.