REFERRAL PARTNER PROGRAM
Your Buyers Need Homeowners Insurance Before They Can Close. You Know Who to Call.
Florida real estate agents and Realtors: earn flat referral fees by connecting your buyers with Bright Coast Insurance. Coastal properties, Citizens alternatives, flood zone coverage — we close the insurance gap so you can close the deal.
THE PROBLEM
The Insurance Problems That Are Killing Your Closings
Buyers who can't find homeowners insurance in coastal zip codes before the closing date
Properties with older roofs (15+ years) that standard carriers decline
Flood zone properties where buyers don't understand what coverage they need
Citizens-only properties where buyers don't know their private market options
Last-minute insurance issues that delay or kill closings you've worked months on
WHY PARTNER WITH US
Why Real Estate Agents Are Natural Insurance Referral Partners
You are with your buyer from the first showing to the closing table. You know the property, you know the buyer's timeline, and you know when an insurance issue is going to become a closing problem. A warm introduction to Bright Coast — especially for coastal properties, flood zone homes, or properties with older roofs — can save the deal, earn you a flat referral fee, and make you the agent who solved the problem instead of the one who watched the deal fall apart.
PRODUCTS YOU CAN REFER
What We Offer Your Clients
Coastal Homeowners Insurance
Licensed product (we handle it)Miami Beach, Naples, Keys, Fort Lauderdale, Palm Beach, Boca Raton, Clearwater, Sarasota — we know every coastal market.
Citizens Insurance Alternatives
Licensed product (we handle it)We compare Citizens against private carriers to find the best fit. Many buyers qualify for private market coverage they don't know about.
Flood Insurance (NFIP & Private)
Licensed product (we handle it)Required for FEMA flood zones. We explain NFIP vs. private flood and find the best rate for your buyer's lender.
Non-Standard & Hard-to-Place Homes
Licensed product (we handle it)Older roofs, prior claims, high-value homes, unique construction — we have carriers for properties others 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 everything through binding
You receive a flat referral fee once the policy is bound
We keep you informed on the timeline so you can manage your closing
FREQUENTLY ASKED QUESTIONS
Common Partner Questions
Can real estate agents 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. Real estate agents 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 quote for a buyer with a closing deadline?
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 or less, call us directly — we prioritize time-sensitive closings.
What if my buyer's property has an older roof?
Roofs 15 years or older are declined by many standard carriers in Florida. We have access to non-standard and surplus lines carriers that will write policies for older roofs, often with a roof exclusion or a separate wind deductible. We also advise buyers on whether a roof replacement before closing would materially change their insurance options and cost.
What is the difference between Citizens and private market homeowners insurance?
Citizens Property Insurance Corporation is Florida's state-backed insurer of last resort. It has coverage caps, a 'take-out' program that can transfer policies to private carriers, and the risk of assessments after major storms. Private market carriers generally offer higher coverage limits, more stable pricing, and no assessment risk. Many buyers assume they have to use Citizens for coastal properties — in 2026, that is increasingly not the case as private carriers return to the market.
Do you work with commercial real estate 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 real estate 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.