Your Neighbors in Cutler Bay

Who We Are

Lumina Insurance at Cutler Bay is an independent insurance agency serving Miami-Dade County and all of South Florida. As an independent agency, we're not tied to any single carrier — we shop the market and recommend what's genuinely best for you, not what earns us the highest commission.

Our bilingual team serves the diverse communities of Cutler Bay, Palmetto Bay, Homestead, Kendall, and the greater Miami area with expertise, warmth, and integrity.

Meet Our Team

Our licensed agents bring years of experience navigating Florida's complex insurance market:

• Mayelin — specializes in homeowners and commercial insurance
• Suset — expert in auto and health insurance for South Florida families
• Liz (Lisbeidy) — life, auto, and homeowners specialist with 3+ years serving Cutler Bay clients

Why We Started

South Florida's insurance market is one of the most challenging in the country. Hurricane exposure, rising home values, and a fast-changing carrier landscape mean consumers need a trusted guide — not a website that just spits out generic quotes. We built Lumina Insurance to fill that gap: a local face for local risk.

Our Commitment

• Honest, jargon-free advice in English and Spanish
• We shop multiple carriers for every client, every time
• Ongoing support — we're here when claims happen, not just at sale time
• Fast turnaround — quote requests responded to within 2 business hours
• No pressure, no upselling — only coverage you actually need