Terms & Conditions

Last updated October 20, 2026.

This site

These terms cover https://luminainsurance.com, run by Lumina Insurance at Cutler Bay. Using the site, or checking the acceptance box on a quote form, means you agree to these terms and to the Privacy Policy.

A quote is not coverage

Sending a form is a request for a quote. It is not an insurance policy, a binder, or a promise that a carrier will offer coverage. Coverage starts only when a carrier issues a policy and the required premium is paid. General descriptions on this site are not a price for your risk.

What you send us

You agree that the details you send are accurate. An insurer can deny a claim or cancel a policy when an application has false information. Read the policy documents the carrier sends you. Those documents control the coverage.

What we do

We are an independent agency. We shop carriers and recommend coverage. We do not guarantee the lowest price, that a carrier will accept you, or that a policy will pay a particular claim. The carrier decides claims.

Text messages

If you check the SMS box, you also agree to the SMS Policy. You can still call or email us without joining the text program.

Site content

The text, photos, and the Lumina name on this site belong to the agency or the people who licensed them to us. Do not copy the site and present it as your own.

Other sites

Links to maps, carriers, or social networks leave this site. Those sites have their own terms.

Changes

We can update these terms by posting a new version on this page. The date above is the version in effect.

Florida law

These terms are governed by the laws of the State of Florida.

Contact

Lumina Insurance at Cutler Bay
20250 S Dixie Hwy, Unit 202
Cutler Bay, FL 33189
(786) 409-0930
info@luminainsurance.com