REFERRAL PARTNER PROGRAM
Every Closing Requires Homeowners Insurance. You're the Last Stop Before the Table.
Florida mortgage brokers and loan officers: earn flat referral fees by connecting your homebuyers with Bright Coast Insurance. Coastal properties, Citizens alternatives, flood zone coverage — we specialize in exactly the clients that are hardest to place.
THE PROBLEM
What's Slowing Down Your Closings Right Now
Buyers in coastal zip codes who can't find homeowners insurance before the closing date
Citizens-only properties that private lenders won't accept without a Citizens policy review
Flood zone properties (AE, VE) where buyers don't understand NFIP vs. private flood
Buyers with older roofs (15+ years) who are being declined by standard carriers
Closing delays caused by last-minute insurance issues that a specialist could have resolved in 48 hours
WHY PARTNER WITH US
Why Mortgage Brokers Are Our Most Valuable Referral Partners
You are the last professional in the chain before the closing table. When a buyer can't find homeowners insurance — especially in coastal Florida — the deal dies. We specialize in exactly the properties that are hardest to insure: coastal zip codes, Citizens alternatives, flood zone properties, older roofs. A warm introduction from you to us can save a closing and earn you a flat referral fee. We turn around quotes in 24–48 hours so you can keep your timeline.
PRODUCTS YOU CAN REFER
What We Offer Your Clients
Coastal Homeowners Insurance
Licensed product (we handle it)Specialists in coastal FL properties — Miami Beach, Naples, Keys, Fort Lauderdale, Palm Beach, Boca Raton.
Citizens Insurance Alternatives
Licensed product (we handle it)We compare Citizens against private market carriers to find the best fit for your buyer's property.
Flood Zone Coverage (NFIP & Private)
Licensed product (we handle it)NFIP and private flood insurance for AE, VE, and X flood zones. We explain the difference and find the best rate.
Standard & Non-Standard Homeowners
Licensed product (we handle it)Older roofs, prior claims, high-value homes — we have carriers for properties other agents decline.
HOW IT WORKS
Five Steps. No Complexity.
Your buyer needs homeowners insurance — especially a coastal or hard-to-place property
You send us a quick introduction: buyer's name, property address, and closing date
We turn around a quote in 24–48 hours and handle the entire process
You receive a flat referral fee once the policy is bound
We never compete with you for the mortgage relationship
FREQUENTLY ASKED QUESTIONS
Common Partner Questions
Can mortgage brokers receive referral fees for insurance referrals in Florida?
Under Florida §626.112(8), an unlicensed person may receive a single flat fee for referring a prospective client to a licensed insurance agent, provided the fee is not contingent on the purchase of insurance. Mortgage brokers and loan officers are not required to hold an insurance license to receive this type of referral fee. We recommend consulting your own counsel for guidance specific to your situation.
How quickly can you turn around a homeowners insurance quote for a closing?
For standard properties, we typically turn around quotes within 24 hours. For coastal properties, Citizens alternatives, or flood zone properties, allow 24–48 hours. If you have a closing in 72 hours, call us directly — we prioritize time-sensitive closings.
What makes coastal Florida homeowners insurance so difficult to place?
Coastal properties face a combination of maximum hurricane wind exposure, storm surge risk, high replacement values, and — in many zip codes — Citizens eligibility requirements that limit private market options. Carriers have pulled out of coastal markets, and those that remain have strict underwriting criteria around roof age, construction type, and distance to coast. We specialize in these placements and have access to carriers that generalist agents do not.
What if my buyer's property is in a flood zone?
Flood insurance is required by lenders for properties in FEMA Special Flood Hazard Areas (SFHA — zones AE, VE, A). We offer both NFIP (National Flood Insurance Program) and private flood insurance options. Private flood often provides higher coverage limits, replacement cost coverage, and faster claims — and can be significantly cheaper than NFIP for some properties. We explain the difference and find the best fit for your buyer's lender requirements.
Do you work with commercial property buyers as well?
Yes. We place commercial property insurance for Florida businesses, including wind, hurricane, and flood coverage for coastal commercial properties. If your commercial lending clients need property coverage, we can help.
Ready to Become a Partner?
Contact us today to discuss the fee structure and start referring clients. No long-term contracts, no minimum quotas.